Amex Fee Renewal Options for Gold and doubt with Plat Travel Upgrade

[iamhks]

So I have my gold charge for renewal and got 2 offers:
First one to pay 50% fee
Second one to spend 1L in 90 days for full fee reversal.
My current usage for Gold is 1k for fuel and 5k for amazon pay vouchers.
My usage for MRCC is loading mobikwik for 3k max then apay vouchers only.

Here are my doubts:
1. Should I continue with gold charge? If yes what option should I take? 50% waiver or hit 1L in 90 days?
2. Should I upgrade to plat travel instead? I am little worried I may or may not be able to hit 4L on that, currently I have 4L in gold and mrcc combined.
3. I plan to get some jewellery via malabar vouchers and 5X on gold is enticing, plat travel has just 3X and no reward on fuel. Considering this what would be better choice? are there better cards for gold purchase?
4. Question on MRCC fee mentioned below

Here are my calculations not considering reward multiplier:

Gold
Fees: 4500*1.18=5310
Half fee: 5310/2=2655
Total Points: (72000/50)+12000=13440
Points value: 13440/2=6720
Reward rate: 6720/72000*100=9.3333
With fees:
(6720-5310)/72000*100=1.9583
(6720-2655)/72000*100=5.6458
Feel as if all this hardwork of 250rs apay voucher to receive 5% when cashback SBI can do it already is not worth it

For my usecase of gold:
Total Points: ((73200/50*5)-(13200/50))+12000=19056
Points value: 19056 /2=9528
Reward rate: 9528/73200*100=13.0164
With fees:
(9528-5310)/73200*100=5.7623
(9528-2655)/73200*100=9.3893

MRCC
Fees: 1500*1.18=1770 (got via referral earlier, i guess this fee will be charged for me or no?!)
Half fee: 1770/2=885
Total points: (72000/50)+12000=13440
Points value: 13440/2=6720
Reward rate: 6720/72000*100=9.3333
With fees:
(6720-1770 )/72000*100=6.875
(6720-885 )/72000*100=8.1042

Plat Travel
Fee: 5000*1.18=5900
Half fee: 5900/2=2950
Total points: (400000/50)+40000=48000
Points value: 48000/2=24000
Reward rate:
Regular: 24000/400000*100=6
With Taj Voucher: 34000/400000*100=8.5
Reward rates with fees:
(24000-5900)/400000*100=4.525
(24000-2950 )/400000*100=5.2625
(34000-5900)/400000*100=7.025
(34000-2950 )/400000*100=7.7625
Not sure if I'll be able to utilize taj voucher of 10k, have almost no options

I am leaning towards renewing gold only for 50% fee if I don;t have any expenses planned to complete 1L

 

[vinrey287]

So I have my gold charge for renewal and got 2 offers:
First one to pay 50% fee
Second one to spend 1L in 90 days for full fee reversal.
My current usage for Gold is 1k for fuel and 5k for amazon pay vouchers.
My usage for MRCC is loading mobikwik for 3k max then apay vouchers only.

Here are my doubts:
1. Should I continue with gold charge? If yes what option should I take? 50% waiver or hit 1L in 90 days?
2. Should I upgrade to plat travel instead? I am little worried I may or may not be able to hit 4L on that, currently I have 4L in gold and mrcc combined.
3. I plan to get some jewellery via malabar vouchers and 5X on gold is enticing, plat travel has just 3X and no reward on fuel. Considering this what would be better choice? are there better cards for gold purchase?
4. Question on MRCC fee mentioned below

Here are my calculations not considering reward multiplier:

Gold
Fees: 4500*1.18=5310
Half fee: 5310/2=2655
Total Points: (72000/50)+12000=13440
Points value: 13440/2=6720
Reward rate: 6720/72000*100=9.3333
With fees:
(6720-5310)/72000*100=1.9583
(6720-2655)/72000*100=5.6458
Feel as if all this hardwork of 250rs apay voucher to receive 5% when cashback SBI can do it already is not worth it

MRCC
Fees: 1500*1.18=1770 (got via referral earlier, i guess this fee will be charged for me or no?!)
Half fee: 1770/2=885
Total points: (72000/50)+12000=13440
Points value: 13440/2=6720
Reward rate: 6720/72000*100=9.3333
With fees:
(6720-1770 )/72000*100=6.875
(6720-885 )/72000*100=8.1042

Plat Travel
Fee: 5000*1.18=5900
Half fee: 5900/2=2950
Total points: (400000/50)+40000=48000
Points value: 48000/2=24000
Reward rate:
Regular: 24000/400000*100=6
With Taj Voucher: 34000/400000*100=8.5
Reward rates with fees:
(24000-5900)/400000*100=4.525
(24000-2950 )/400000*100=5.2625
(34000-5900)/400000*100=7.025
(34000-2950 )/400000*100=7.7625
Not sure if I'll be able to utilize taj voucher of 10k, have almost no options

you can use hp pay vouchers for fuel an get PTravel card. PT is good as u dnt hav to remember or worry abt Reward Multiplier each mnth.

Gold gives (600*12)+(1000*12)=19200 MR in a yr if u use it only for Rew Multiplier

 

[iamhks]

you can use hp pay vouchers for fuel an get PTravel card. PT is good as u dnt hav to remember or worry abt Reward Multiplier each mnth.

Gold gives (600*12)+(1000*12)=19200 MR in a yr if u use it only for Rew Multiplier

I just checked the plat travel upgrade offer for 10k points + 2k voucher was valid for Dec 2024 only. Talked to them they can't give 2k voucher anymore.

Also HP Pay voucher via gyftr asks 2% surcharge, and no option via amazon pay in their app.

 

[vinrey287]

I just checked the plat travel upgrade offer for 10k points + 2k voucher was valid for Dec 2024 only. Is there a way I can get that upgrade still?

Also HP Pay voucher via gyftr asks 2% surcharge, and no option via amazon pay in their app.

U can try loading amt into HP Pay app, which gives hp coins. Best option to get a fuel card. Upgrade option comes frequently with Amex

 

[ronakshah]

So I have my gold charge for renewal and got 2 offers:
First one to pay 50% fee
Second one to spend 1L in 90 days for full fee reversal.
My current usage for Gold is 1k for fuel and 5k for amazon pay vouchers.
My usage for MRCC is loading mobikwik for 3k max then apay vouchers only.

Here are my doubts:
1. Should I continue with gold charge? If yes what option should I take? 50% waiver or hit 1L in 90 days?
2. Should I upgrade to plat travel instead? I am little worried I may or may not be able to hit 4L on that, currently I have 4L in gold and mrcc combined.
3. I plan to get some jewellery via malabar vouchers and 5X on gold is enticing, plat travel has just 3X and no reward on fuel. Considering this what would be better choice? are there better cards for gold purchase?
4. Question on MRCC fee mentioned below

Here are my calculations not considering reward multiplier:

Gold
Fees: 4500*1.18=5310
Half fee: 5310/2=2655
Total Points: (72000/50)+12000=13440
Points value: 13440/2=6720
Reward rate: 6720/72000*100=9.3333
With fees:
(6720-5310)/72000*100=1.9583
(6720-2655)/72000*100=5.6458
Feel as if all this hardwork of 250rs apay voucher to receive 5% when cashback SBI can do it already is not worth it

MRCC
Fees: 1500*1.18=1770 (got via referral earlier, i guess this fee will be charged for me or no?!)
Half fee: 1770/2=885
Total points: (72000/50)+12000=13440
Points value: 13440/2=6720
Reward rate: 6720/72000*100=9.3333
With fees:
(6720-1770 )/72000*100=6.875
(6720-885 )/72000*100=8.1042

Plat Travel
Fee: 5000*1.18=5900
Half fee: 5900/2=2950
Total points: (400000/50)+40000=48000
Points value: 48000/2=24000
Reward rate:
Regular: 24000/400000*100=6
With Taj Voucher: 34000/400000*100=8.5
Reward rates with fees:
(24000-5900)/400000*100=4.525
(24000-2950 )/400000*100=5.2625
(34000-5900)/400000*100=7.025
(34000-2950 )/400000*100=7.7625
Not sure if I'll be able to utilize taj voucher of 10k, have almost no options

You asked them to close the card and they gave you these 2 options? Also was it via chat or call?

 

[satty]

So I have my gold charge for renewal and got 2 offers:
First one to pay 50% fee
Second one to spend 1L in 90 days for full fee reversal.
My current usage for Gold is 1k for fuel and 5k for amazon pay vouchers.
My usage for MRCC is loading mobikwik for 3k max then apay vouchers only.

Here are my doubts:
1. Should I continue with gold charge? If yes what option should I take? 50% waiver or hit 1L in 90 days?
2. Should I upgrade to plat travel instead? I am little worried I may or may not be able to hit 4L on that, currently I have 4L in gold and mrcc combined.
3. I plan to get some jewellery via malabar vouchers and 5X on gold is enticing, plat travel has just 3X and no reward on fuel. Considering this what would be better choice? are there better cards for gold purchase?
4. Question on MRCC fee mentioned below

Here are my calculations not considering reward multiplier:

Gold
Fees: 4500*1.18=5310
Half fee: 5310/2=2655
Total Points: (72000/50)+12000=13440
Points value: 13440/2=6720
Reward rate: 6720/72000*100=9.3333
With fees:
(6720-5310)/72000*100=1.9583
(6720-2655)/72000*100=5.6458
Feel as if all this hardwork of 250rs apay voucher to receive 5% when cashback SBI can do it already is not worth it

MRCC
Fees: 1500*1.18=1770 (got via referral earlier, i guess this fee will be charged for me or no?!)
Half fee: 1770/2=885
Total points: (72000/50)+12000=13440
Points value: 13440/2=6720
Reward rate: 6720/72000*100=9.3333
With fees:
(6720-1770 )/72000*100=6.875
(6720-885 )/72000*100=8.1042

Plat Travel
Fee: 5000*1.18=5900
Half fee: 5900/2=2950
Total points: (400000/50)+40000=48000
Points value: 48000/2=24000
Reward rate:
Regular: 24000/400000*100=6
With Taj Voucher: 34000/400000*100=8.5
Reward rates with fees:
(24000-5900)/400000*100=4.525
(24000-2950 )/400000*100=5.2625
(34000-5900)/400000*100=7.025
(34000-2950 )/400000*100=7.7625
Not sure if I'll be able to utilize taj voucher of 10k, have almost no options

Feel as if all this hardwork of 250rs apay voucher to receive 5% when cashback SBI can do it already is not worth it

How are you getting 5% on SBI cashback on APay ? For me CC option is disabled when I try to purchase APay Gift Card on Amazon...

 

[iamhks]

You asked them to close the card and they gave you these 2 options? Also was it via chat or call?

Call, they have stopped taking these conversations on chat

 

[iamhks]

Feel as if all this hardwork of 250rs apay voucher to receive 5% when cashback SBI can do it already is not worth it

How are you getting 5% on SBI cashback on APay ? For me CC option is disabled when I try to purchase APay Gift Card on Amazon...

Why do you need Apay when the card itself gives 5% everywhere

 

[ronakshah]

Call, they have stopped taking these conversations on chat

Ok thanks for confirming. These are retention offers right?

 

[satty]

Why do you need Apay when the card itself gives 5% everywhere

For bill payments and recharges/FastTag

 

[RkrRkr is verified member.]

I just checked the plat travel upgrade offer for 10k points + 2k voucher was valid for Dec 2024 only. Talked to them they can't give 2k voucher anymore.

Also HP Pay voucher via gyftr asks 2% surcharge, and no option via amazon pay in their app.

See the tnc below.Its upto 15 February 2025.If you have offer mail you can claim it as well.