American Express has started its referral program - bonus points and discounted joining fees offer

[TechnoFinoTechnoFino is verified member.]

Hey members,
Amex India just started its much awaited referral program, MGM (members get members).
Use referral link to apply for an AMEX credit card and receive 2000 bonus MR points.
Amex MRCC- 2000 bonus MR points after spending Rs. 5,000 within 90 days.
First Year Fees- Nil
Referral Link: https://bit.ly/TFAMEXPRR (Select your preferred card you want to apply, and then apply for that card. you'll get all the referral benefits.)

Gold Charge - 2000 bonus MR points after spending Rs. 5,000 within 90 days.
First Year Fees- Rs. 1000 +GST
Referral Link: https://bit.ly/TFAMEXPRR (Select your preferred card you want to apply, and then apply for that card. you'll get all the referral benefits.)

Platinum Travel - 2000 bonus MR points after spending Rs. 5,000 within 90 days.
First Year Fees- Nil
Referral Link: https://bit.ly/TFAMEXPRR (Select your preferred card you want to apply, and then apply for that card. you'll get all the referral benefits.)

AMEX SmartEarn- 2000 bonus MR points after spending Rs. 5,000 within 90 days and Rs. 500 cashback as a Welcome Gift when you spend additional Rs. 5000 within 90 days.
First Year Fees- Original Fees
Referral Link: https://bit.ly/TFAMEXPRR (Select your preferred card you want to apply, and then apply for that card. you'll get all the referral benefits.)

Amex Platinum Charge Card- 10,000 bonus MR Points after spending Rs. 5000 within 90 days.
First Year Fees-Original Fees
Referral Link: https://bit.ly/TFAMEXPRR (Select your preferred card you want to apply, and then apply for that card. you'll get all the referral benefits.)

 

[gobsy]

I applied for mrcc card. While applying it was shown as FYF but today received it and the enclosed Letter shows standard annual fees of 1000+ taxes for first year and 4500+ taxes from 2nd year onwards. Customer care is saying they can only confirm it is FYF or chargeable once 1st statement is generated. Should I activate the card or not?

 

[amitr29]

I applied for mrcc card. While applying it was shown as FYF but today received it and the enclosed Letter shows standard annual fees of 1000+ taxes for first year and 4500+ taxes from 2nd year onwards. Customer care is saying they can only confirm it is FYF or chargeable once 1st statement is generated. Should I activate the card or not?

Activate, Amex will not levy any charges even if you cancel after statement generation. Also, they are very transparent in their offerings.

 

[D C]

G

I applied for mrcc card. While applying it was shown as FYF but today received it and the enclosed Letter shows standard annual fees of 1000+ taxes for first year and 4500+ taxes from 2nd year onwards. Customer care is saying they can only confirm it is FYF or chargeable once 1st statement is generated. Should I activate the card or not?

Got my card today. Had applied via a referral link from here.
The included brochure shows shows non referral fees. How to confirm which fees will I be charged?
Have the same query as well.

 

[vinrey287]

G

Got my card today. Had applied via a referral link from here.
The included brochure shows shows non referral fees. How to confirm which fees will I be charged?
Have the same query as well.

Chat with their support team

 

[vinrey287]

I've cancelled my Smartearn yesterday to get MRCC.. Should I wait for few days to apply new card?

 

[Dreamer]

AMEX TRIFECTA

Since AMEX has restarted their Referral Program,this is the most opportune time to grab an AMEX card.

The three most loved AMEX cards are MRCC, GOLD CHARGE and PLATINUM TRAVEL owing to their excellent benefits and reward rates.

Let’s look into their features/benefits and how you can optimize the usage on this trifecta.

1⃣AMEX MRCC

FEES

First year free if applied through Referral
Welcome benefit of 2000 MR points as Referral bonus on spend of ₹ 5000 within 90 days
From 2ndyear onwards ₹ 1500+GST as a fee (on referral otherwise ₹ 4000)
AMEX TRIFECTA

Since AMEX has restarted their Referral Program yesterday this is the most opportune time to grab an AMEX card.

The three most loved AMEX cards are MRCC, GOLD CHARGE and PLATINUM TRAVEL owing to their excellent benefits and reward rates.

Let’s look into their features/benefits and how you can optimize the usage on this trifecta.

1⃣AMEX MRCC

FEES

First year free if applied through Referral
Welcome benefit of 2000 MR points as Referral bonus on spend of ₹ 5000 within 90 days
From 2ndyear onwards ₹ 1500+GST as a fee (on referral otherwise ₹ 4000) which will be waived off if spends in the preceding year >₹ 1.5 lakhs
50% fee waiver if spend within 90k to 1.49 lakhs in the preceding year.

STANDARD REWARD

1 MR point on every ₹ 50 spent
Exclusion are Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale

BONUS REWARD

1,000 Bonus Membership Rewards Points for simply using your card 4 times on transactions of ₹ 1,500 or above in a calendar month

MONTHLY SPEND MILESTONE

Additional 1,000 Membership Rewards points simply by spending ₹ 20,000 or more in a calendar month
One-time enrolment is must for this benefit.
Link for enrolment: amex.co/mrccenroll

How to Optimize:
₹ 1500 X 4 transaction will fetch you
Regular points= 6000/50= 120 points
Bonus points for 4X1500 = 1000
Monthly milestone points (for 20k spend which include 6k above spend) =1000
Regular points for monthly milestone spend= 14000*/50=280
Total monthly points= 120+1000+1000+280=2400
Total yearly points= 2400*12= 28800
Total yearly points with referral bonus= 28800+2000=30800

So, for total yearly spend of ₹ 2.4 lakhs (20k monthly including 4X₹1500) you will get 28800 points.

What if you don’t want to spend ₹ 20k every month and just want to complete 4*₹1500 transactions then the scenario will change and the points you will fetch would be 1120*12= 13440 points yearly.

What should I do to complete 4X ₹1500 spend on my MRCC
Since Paytm wallet load is out of picture now since it has started charging convenience fee on wallet load through CC then the options left is to purchase 4 no. of ₹ 1500 denomination Amazon GV through Amazon itself or through Amex Gyftr or do 4 transactions of ₹1500 each in NPS Tier-I (with 0.9%+GST as charges).

2⃣AMEX GOLD CHARGE

FEES

First year ₹ 1000+GST if applied through Referral
Welcome benefit of 2000 MR points as Referral bonus on spend of ₹ 5000 within 90 days

From 2ndyear onwards ₹ 4500+GST as a fee. No fee waiver criteria.

STANDARD REWARD
1 MR point on every ₹ 50 spent including fuel and utility
Exclusion are Insurance, Cash Transactions and EMI conversion at Point of Sale

Bonus Reward
1,000 bonus points on 6 transactions of ₹1,000 each every calendar month.

How to Optimize:
₹1000 X 6 transaction will fetch you
Regular points= 6000/50= 120 points
Bonus points for 6X1000 = 1000
Points for reward multiplier i.e 5X= (6000/50)*4=480
Total monthly points= 120+1000+480=1600
Total yearly points= 1600*12= 19200
Total yearly points with referral bonus= 19200+2000=21200

So, for total yearly spend of Rs 72k (6k monthly for 6X₹1000) you will get 19200 points.

What should I do to complete 4X ₹1500 spend on my MRCC
Purchase 6 no. of ₹ 1000 denomination Amazon GV from Amex Gyftr each month

3⃣AMEX PLATINUM TRAVEL

FEES

First year free if applied through Referral otherwise ₹ 3500+GST.

Welcome benefit of 2000 MR points as Referral bonus on spend of ₹ 5000 within 90 days

From 2ndyear onwards ₹ 5000+GST as a fee. No fee waiver criteria.

STANDARD REWARD

1 MR point on every Rs 50 spent

Exclusion are Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale

MILESTONE REWARD

Spend 1.5 lakhs will fetch 15k MR points

Spend 4 lakhs (including 1.5 lakhs) will fetch additional 25k MR points and 10k Taj Voucher

How to Optimize:
Hit 1.5 lakhs
Regular points= 150000/50= 3000 points
Milestone points = 15000
Hit another 2.5 lakhs (4 lakhs total)
Regular points= 50000/50= 5000 points
Milestone points = 25000
Total points for 4 lakhs spend= 3000+15000+5000+25000=48000

Thus, If you have the AMEX Trifecta your effective reward rate would be as below

Total Yearly spend on MRCC, GOLD CHARGE & PLATINUM= 2.4 lakhs+ 72k+ 4lakhs=₹ 712000

Total yearly reward points for trifecta without referral bonus= 28200+19200+48000=96000

Total yearly reward points for trifecta with referral bonus= 96000+6000=102000

For 24 Karat gold collection you get 14k Taj voucher or 9K Amazon Voucher for 24k MR points thus 96k MR points will fetch 56k Taj Voucher +10k additional Taj Voucher (i.e >9 % R.R) or 36k Amazon Voucher (i.e >5% R.R) and similarly for 102k MR points the R.R will be much higher.

Here is my Referral Link

null

americanexpress.com

Click continue, view all cards.
Multiple cards can be applied in 1 week interval.

Copied post.

 

[ChurningNoob]

AMEX TRIFECTA

Since AMEX has restarted their Referral Program,this is the most opportune time to grab an AMEX card.

The three most loved AMEX cards are MRCC, GOLD CHARGE and PLATINUM TRAVEL owing to their excellent benefits and reward rates.

Let’s look into their features/benefits and how you can optimize the usage on this trifecta.

1⃣AMEX MRCC

FEES

First year free if applied through Referral
Welcome benefit of 2000 MR points as Referral bonus on spend of ₹ 5000 within 90 days
From 2ndyear onwards ₹ 1500+GST as a fee (on referral otherwise ₹ 4000)
AMEX TRIFECTA

Since AMEX has restarted their Referral Program yesterday this is the most opportune time to grab an AMEX card.

The three most loved AMEX cards are MRCC, GOLD CHARGE and PLATINUM TRAVEL owing to their excellent benefits and reward rates.

Let’s look into their features/benefits and how you can optimize the usage on this trifecta.

1⃣AMEX MRCC

FEES

First year free if applied through Referral
Welcome benefit of 2000 MR points as Referral bonus on spend of ₹ 5000 within 90 days
From 2ndyear onwards ₹ 1500+GST as a fee (on referral otherwise ₹ 4000) which will be waived off if spends in the preceding year >₹ 1.5 lakhs
50% fee waiver if spend within 90k to 1.49 lakhs in the preceding year.

STANDARD REWARD

1 MR point on every ₹ 50 spent
Exclusion are Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale

BONUS REWARD

1,000 Bonus Membership Rewards Points for simply using your card 4 times on transactions of ₹ 1,500 or above in a calendar month

MONTHLY SPEND MILESTONE

Additional 1,000 Membership Rewards points simply by spending ₹ 20,000 or more in a calendar month
One-time enrolment is must for this benefit.
Link for enrolment: amex.co/mrccenroll

How to Optimize:
₹ 1500 X 4 transaction will fetch you
Regular points= 6000/50= 120 points
Bonus points for 4X1500 = 1000
Monthly milestone points (for 20k spend which include 6k above spend) =1000
Regular points for monthly milestone spend= 14000*/50=280
Total monthly points= 120+1000+1000+280=2400
Total yearly points= 2400*12= 28800
Total yearly points with referral bonus= 28800+2000=30800

So, for total yearly spend of ₹ 2.4 lakhs (20k monthly including 4X₹1500) you will get 28800 points.

What if you don’t want to spend ₹ 20k every month and just want to complete 4*₹1500 transactions then the scenario will change and the points you will fetch would be 1120*12= 13440 points yearly.

What should I do to complete 4X ₹1500 spend on my MRCC
Since Paytm wallet load is out of picture now since it has started charging convenience fee on wallet load through CC then the options left is to purchase 4 no. of ₹ 1500 denomination Amazon GV through Amazon itself or through Amex Gyftr or do 4 transactions of ₹1500 each in NPS Tier-I (with 0.9%+GST as charges).

2⃣AMEX GOLD CHARGE

FEES

First year ₹ 1000+GST if applied through Referral
Welcome benefit of 2000 MR points as Referral bonus on spend of ₹ 5000 within 90 days

From 2ndyear onwards ₹ 4500+GST as a fee. No fee waiver criteria.

STANDARD REWARD
1 MR point on every ₹ 50 spent including fuel and utility
Exclusion are Insurance, Cash Transactions and EMI conversion at Point of Sale

Bonus Reward
1,000 bonus points on 6 transactions of ₹1,000 each every calendar month.

How to Optimize:
₹1000 X 6 transaction will fetch you
Regular points= 6000/50= 120 points
Bonus points for 6X1000 = 1000
Points for reward multiplier i.e 5X= (6000/50)*4=480
Total monthly points= 120+1000+480=1600
Total yearly points= 1600*12= 19200
Total yearly points with referral bonus= 19200+2000=21200

So, for total yearly spend of Rs 72k (6k monthly for 6X₹1000) you will get 19200 points.

What should I do to complete 4X ₹1500 spend on my MRCC
Purchase 6 no. of ₹ 1000 denomination Amazon GV from Amex Gyftr each month

3⃣AMEX PLATINUM TRAVEL

FEES

First year free if applied through Referral otherwise ₹ 3500+GST.

Welcome benefit of 2000 MR points as Referral bonus on spend of ₹ 5000 within 90 days

From 2ndyear onwards ₹ 5000+GST as a fee. No fee waiver criteria.

STANDARD REWARD

1 MR point on every Rs 50 spent

Exclusion are Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale

MILESTONE REWARD

Spend 1.5 lakhs will fetch 15k MR points

Spend 4 lakhs (including 1.5 lakhs) will fetch additional 25k MR points and 10k Taj Voucher

How to Optimize:
Hit 1.5 lakhs
Regular points= 150000/50= 3000 points
Milestone points = 15000
Hit another 2.5 lakhs (4 lakhs total)
Regular points= 50000/50= 5000 points
Milestone points = 25000
Total points for 4 lakhs spend= 3000+15000+5000+25000=48000

Thus, If you have the AMEX Trifecta your effective reward rate would be as below

Total Yearly spend on MRCC, GOLD CHARGE & PLATINUM= 2.4 lakhs+ 72k+ 4lakhs=₹ 712000

Total yearly reward points for trifecta without referral bonus= 28200+19200+48000=96000

Total yearly reward points for trifecta with referral bonus= 96000+6000=102000

For 24 Karat gold collection you get 14k Taj voucher or 9K Amazon Voucher for 24k MR points thus 96k MR points will fetch 56k Taj Voucher +10k additional Taj Voucher (i.e >9 % R.R) or 36k Amazon Voucher (i.e >5% R.R) and similarly for 102k MR points the R.R will be much higher.

Here is my Referral Link

null

americanexpress.com

Click continue, view all cards.
Multiple cards can be applied in 1 week interval.

Copied post.

Where did you copy from?

 

[Rohith-2009]

Everyone is referring. What's the benefit of referring others

 

[SSV]

Everyone is referring. What's the benefit of referring others

You get 8000 MR points for every successful application, subject to cap of 1,50,000 per calendar year. to encourage us to do marketing job for Amex

 

[Rohith-2009]

You get 8000 MR points for every successful application, subject to cap of 1,50,000 per calendar year. to encourage us to do marketing job for Amex

Okay, but they should approve card or not for successful application?

 

[SSV]

Okay, but they should approve card or not for successful application?

Yes, on approval only

 

[Martius]

I recently got my Amex gold charge card! I plan on spending 6k by recharging my hp pay wallet for 1k 6 times. Can someone clarify that whether we get surcharge waiver for HP Pay Wallet Top up or not? Also do we get fuel surcharge waiver on Amex cards unconditional on every HPCL Outlet upto 5k?

 

[saucy]

AMEX TRIFECTA

Since AMEX has restarted their Referral Program,this is the most opportune time to grab an AMEX card.

The three most loved AMEX cards are MRCC, GOLD CHARGE and PLATINUM TRAVEL owing to their excellent benefits and reward rates.

Let’s look into their features/benefits and how you can optimize the usage on this trifecta.

1⃣AMEX MRCC

FEES

First year free if applied through Referral
Welcome benefit of 2000 MR points as Referral bonus on spend of ₹ 5000 within 90 days
From 2ndyear onwards ₹ 1500+GST as a fee (on referral otherwise ₹ 4000)
AMEX TRIFECTA

Since AMEX has restarted their Referral Program yesterday this is the most opportune time to grab an AMEX card.

The three most loved AMEX cards are MRCC, GOLD CHARGE and PLATINUM TRAVEL owing to their excellent benefits and reward rates.

Let’s look into their features/benefits and how you can optimize the usage on this trifecta.

1⃣AMEX MRCC

FEES

First year free if applied through Referral
Welcome benefit of 2000 MR points as Referral bonus on spend of ₹ 5000 within 90 days
From 2ndyear onwards ₹ 1500+GST as a fee (on referral otherwise ₹ 4000) which will be waived off if spends in the preceding year >₹ 1.5 lakhs
50% fee waiver if spend within 90k to 1.49 lakhs in the preceding year.

STANDARD REWARD

1 MR point on every ₹ 50 spent
Exclusion are Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale

BONUS REWARD

1,000 Bonus Membership Rewards Points for simply using your card 4 times on transactions of ₹ 1,500 or above in a calendar month

MONTHLY SPEND MILESTONE

Additional 1,000 Membership Rewards points simply by spending ₹ 20,000 or more in a calendar month
One-time enrolment is must for this benefit.
Link for enrolment: amex.co/mrccenroll

How to Optimize:
₹ 1500 X 4 transaction will fetch you
Regular points= 6000/50= 120 points
Bonus points for 4X1500 = 1000
Monthly milestone points (for 20k spend which include 6k above spend) =1000
Regular points for monthly milestone spend= 14000*/50=280
Total monthly points= 120+1000+1000+280=2400
Total yearly points= 2400*12= 28800
Total yearly points with referral bonus= 28800+2000=30800

So, for total yearly spend of ₹ 2.4 lakhs (20k monthly including 4X₹1500) you will get 28800 points.

What if you don’t want to spend ₹ 20k every month and just want to complete 4*₹1500 transactions then the scenario will change and the points you will fetch would be 1120*12= 13440 points yearly.

What should I do to complete 4X ₹1500 spend on my MRCC
Since Paytm wallet load is out of picture now since it has started charging convenience fee on wallet load through CC then the options left is to purchase 4 no. of ₹ 1500 denomination Amazon GV through Amazon itself or through Amex Gyftr or do 4 transactions of ₹1500 each in NPS Tier-I (with 0.9%+GST as charges).

2⃣AMEX GOLD CHARGE

FEES

First year ₹ 1000+GST if applied through Referral
Welcome benefit of 2000 MR points as Referral bonus on spend of ₹ 5000 within 90 days

From 2ndyear onwards ₹ 4500+GST as a fee. No fee waiver criteria.

STANDARD REWARD
1 MR point on every ₹ 50 spent including fuel and utility
Exclusion are Insurance, Cash Transactions and EMI conversion at Point of Sale

Bonus Reward
1,000 bonus points on 6 transactions of ₹1,000 each every calendar month.

How to Optimize:
₹1000 X 6 transaction will fetch you
Regular points= 6000/50= 120 points
Bonus points for 6X1000 = 1000
Points for reward multiplier i.e 5X= (6000/50)*4=480
Total monthly points= 120+1000+480=1600
Total yearly points= 1600*12= 19200
Total yearly points with referral bonus= 19200+2000=21200

So, for total yearly spend of Rs 72k (6k monthly for 6X₹1000) you will get 19200 points.

What should I do to complete 4X ₹1500 spend on my MRCC
Purchase 6 no. of ₹ 1000 denomination Amazon GV from Amex Gyftr each month

3⃣AMEX PLATINUM TRAVEL

FEES

First year free if applied through Referral otherwise ₹ 3500+GST.

Welcome benefit of 2000 MR points as Referral bonus on spend of ₹ 5000 within 90 days

From 2ndyear onwards ₹ 5000+GST as a fee. No fee waiver criteria.

STANDARD REWARD

1 MR point on every Rs 50 spent

Exclusion are Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale

MILESTONE REWARD

Spend 1.5 lakhs will fetch 15k MR points

Spend 4 lakhs (including 1.5 lakhs) will fetch additional 25k MR points and 10k Taj Voucher

How to Optimize:
Hit 1.5 lakhs
Regular points= 150000/50= 3000 points
Milestone points = 15000
Hit another 2.5 lakhs (4 lakhs total)
Regular points= 50000/50= 5000 points
Milestone points = 25000
Total points for 4 lakhs spend= 3000+15000+5000+25000=48000

Thus, If you have the AMEX Trifecta your effective reward rate would be as below

Total Yearly spend on MRCC, GOLD CHARGE & PLATINUM= 2.4 lakhs+ 72k+ 4lakhs=₹ 712000

Total yearly reward points for trifecta without referral bonus= 28200+19200+48000=96000

Total yearly reward points for trifecta with referral bonus= 96000+6000=102000

For 24 Karat gold collection you get 14k Taj voucher or 9K Amazon Voucher for 24k MR points thus 96k MR points will fetch 56k Taj Voucher +10k additional Taj Voucher (i.e >9 % R.R) or 36k Amazon Voucher (i.e >5% R.R) and similarly for 102k MR points the R.R will be much higher.

Here is my Referral Link

null

americanexpress.com

Click continue, view all cards.
Multiple cards can be applied in 1 week interval.

Copied post.

Copy Kiya to Kam se Kam galtiyan to edit kar deta

 

[SSV]

Copy Kiya to Kam se Kam galtiyan to edit kar deta

Hence his Disclaimer.... all good and bad goes to the original author... A smart guy...I guess. he is getting attention by leveraging others work.,good or bad...

 

[Mars_rover]

Link for amex referral -

American Express

Contact me for any assistance

 

[SSV]

Thanks heaps for the UNKNOWN Smart Gentleman who utilised my referral and was successful in owing the card...
Congratulations on getting your AMEX card and enjoy the spending ...Be smart and be consious about your spends...
Much appreciated... Please DM me for any help needed..
Here is my referral link for anyone else who want to utilise and be smart :

You have been referred for an American Express Card by your friend

Step into a world of rewards with the American Express® Gold Card. Apply now with my referral link. T&C Apply.

www.americanexpress.com

 

[Avatar Aang]

You have been referred for an American Express Card by your friend

Step into a world of rewards with the American Express® Platinum Travel Credit Card. Apply now with my referral link. T&C Apply.

americanexpress.com

DM me for assistance in application.
This referral program provides best opportunity to get Amex trifecta (MRCC, Gold Charge and Platinum Traveland) earn hondsome rewards of ~8-10%
If amex provides good limit on your card then you can also use it to increase limit on your most of the cards on C2C basis.

 

[Mars_rover]

You have been referred for an American Express Card by your friend

Step into a world of rewards with the American Express® Platinum Travel Credit Card. Apply now with my referral link. T&C Apply.

americanexpress.com

DM me for assistance in application.
This referral program provides best opportunity to get Amex trifecta (MRCC, Gold Charge and Platinum Traveland) earn hondsome rewards of ~8-10%
If amex provides good limit on your card then you can also use it to increase limit on your most of the cards on C2C basis.

How to increase limit of other cards on c2c basis using amex card?
Can you let me know which bank does and what is the procedure?

 

[amit]

Here is the link for FYF amex MRCC and Plat travel cc with referral bonus.

You have been referred for an American Express Card by your friend

Step into a world of rewards with the American Express® Platinum Travel Credit Card. Apply now with my referral link. T&C Apply.

americanexpress.com

 

[gobsy]

What is the best way to hit 4*1500 milestone per month on mrcc?