AMEX MRCC vs AMEX Gold vs AMEX Travel vs AMEX Reserve

[helloworld]

Update: Currently FYF not applicable for MRCC / Plat. Travel using referral links.

Category	MRCC	Gold Charge	Plat. Travel	Plat. Reserve
Joining Fee (with referral + GST)	1180	₹1,180	4130	₹11,800
Joining Benefits (with referral)	2000+4000 MR (on spending ₹15,000)	6000 MR (on spending ₹15,000)	12000 MR (on spending ₹15,000)	15000 MR (on spending ₹25,000)
Net % (for JF and benefits) 1 MR = 0.33p (link)	+ ₹820	+ ₹820	- ₹130	- ₹6,850 (instead there are multiple memberships available, do check them)
Milestone Benefits	Spend ₹1,500 x 4 times in a month = 1000 MR Spend ₹20,000 in a month = 1000 MR (both can be clubbed together)	Spend ₹1,000 x 6 times in a month = 1000 MR	Spend ₹1,90,000 in a year = 15000 MR Spend ₹4,00,000 in a year = 25000 MR + 10,000 Rs. Taj Experiences Gift Card (both can be clubbed together)	Spend ₹50,000 in a month = 1000 Rs. Gift Card
Renewal Fee (with referral + GST)	₹1,770	₹5,310	₹5,900	₹11,800
Reward Multipler (link)	2x MR points	5x MR points	3x MR points	3x MR points
Reward Return % (when 1 MR = 0.33p (link) amzn voucher) higher possible depends on redemption
On 1.56L annual spends	1x = 4.46% (12000 MR + 6000 MR + 3120 MR = 21120 MR) Spend 4x1500 for 12 months + Spend extra 14k for 6 months + regular MR for all spends	1x = 3.19% (12000 MR + 3120 MR = 15120 MR) Spend 6x1000 for 12 months + regular MR for all spends	1x = 0.66% (3120 MR) regular MR for all spends	1x = 2.58% (3000 Rs. Gift Card + 3120 MR) Spend 50k for 3 months + regular MR for all spends
	2x = 5.12% Spend same on reward multiplier and get 2 MR / 50	5x = 5.83% Spend same on reward multiplier and get 5 MR / 50	3x = 1.98% Spend same on reward multiplier and get 3 MR / 50	3x = 3.90% Spend same on reward multiplier and get 3 MR / 50
On 2L annual spends	1x = 4.12% (12000 MR + 9000 MR + 4000 MR = 25000 MR) Spend 4x1500 for 12 months + Spend extra 14k for 9 months + regular MR for all spends	1x = 2.64% (12000 MR + 4000 MR = 16000 MR) Spend 6x1000 for 12 months + regular MR for all spends	1x = 3.13% (15000 MR + 4000 MR = 19000 MR) Spend 1.9L + regular MR for all spends	1x = 2.66% (4000 Rs. Gift Card + 4000 MR) Spend 50k for 4 months + regular MR for all spends
	2x = 4.78% (29000 MR)	5x = 5.28% (32000 MR)	3x = 4.45% (27000 MR)	3x = 3.98% (12000 MR + voucher)
On 4L annual spends (as per 24k collection.. 14000 Taj = 8000 amzn, so in that case 10000 Taj = 5714 Amazon pay)	1x = 2.64% (12000 MR + 12000 MR + 8000 MR = 32000 MR) Spend 4x1500 for 12 months + Spend extra 14k for 12 months + regular MR for all spends	1x = 1.65% (12000 MR + 8000 MR = 20000 MR) Spend 6x1000 for 12 months + regular MR for all spends	1x = 5.43% (15000 MR + 25000 MR + 8000 MR = 48000 MR + 5714 adjusted Taj 10k) Spend 1.9L + Spend 4L + regular MR for all spends + 5714 adjusted Taj 10k)	1x = 2.66% (8000 Rs. Gift Card + 8000 MR) Spend 50k for 8 months + regular MR for all spends
	2x = 3.3% (40000 MR)	5x = 4.29% (52000 MR)	3x = 6.84% (64000 MR + 5714)	3x = 3.98% (24000 MR + voucher)
On 6L annual spends (as per 24k collection.. 14000 Taj = 8000 amzn, so in that case 10000 Taj = 5714 amzn)	1x = 1.98% (36000 MR) 2x = 2.64% (48000 MR)	1x = 1.32% (24000 MR) 5x = 3.96% (72000 MR)	1x = 3.90% (52000 MR + 5714) 3x = 5.22% (76000 MR + 5714)	1x = 2.66% (12000 MR + 12000) 3x = 3.98% (36000 MR + 12000)

Ideally,

• SmartEarn - For experience and to see whats all about AMEX.
• MRCC - to spend 1.56L in a year.
• Gold charge- occasional high spends, and mostly for 5x on their reward multiplier program + for utilities and fuel milestone spends.
• Platinum Travel - best for either 4L spends (as per above table MRCC even works for upto 2L) and able to utilize those Taj milestone vouchers.
• Platinum Reserve - for lounge, golf, accor plus, taj epicure, and monthly 50k spends.

Return calculation considerations:

• The above returns are based on the current value of 1MR = 0.33p. This is because Amzn/Flpkrt vouchers can be redeemed at this value through their 18k/24k collection.
• You can utilize a single MR pool account across multiple cards, allowing you to redeem 18k/24k collections for all cards (make sure to link new cards to your existing username).
• For reference, the 10,000 Taj voucher is considered equivalent to an Amazon voucher in the 24k collection:
  • 14,000 Taj points = ₹8,000 Amazon Pay
  • So, 10,000 Taj points = ₹5,714 Amazon Pay, based on the 24k collection value.
• Return values can vary significantly depending on individual redemption preferences. Some may value 1 MR = ₹1 for Marriott, 1 MR = 0.50p for Taj, or 1 MR = 0.33p for Vouchers. Above use the lowest value (0.33p), but returns can only increase with other redemptions.
• Additionally, return values can be influenced by retention offers (refer to the Gold Charge retention thread for examples - these apply to all cards).
  • https://www.technofino.in/community/threads/whats-your-gold-charge-retention-offer.14690/

Notes about AMEX Network and Cards:

• Amex may not be the good network, so acceptance still an issue even in urban (start with basic card and check your surroundings and upgrade).
• 18k/24k can devalue at any time so above values as of today, and no guarantee for tomorrow.
• Amex is best for security or disputes, so whenever you're purchasing from some new website use this card if they accept.
• All above cards milestones works for fuel spends too (so an alternative to fuel card).
• Amex not meant for regular rewards but for milestone benefits (if you can't achieve milestone, these cards are not for you).

Let me know if you need to include any data in this table, will try.

DM / look for signature if you're looking for help to apply AMEX cards (need valid address proof from serviceable location). May get referral benefits for both. TIA

Other comparisons:
- https://www.technofino.in/community/threads/atlas-vs-regalia-gold-vs-horizon.26500/
- (with drsel) https://www.technofino.in/community/threads/yes-marquee-vs-yes-reserv-3x-vs-yes-reserv-5x.24652/
- https://www.technofino.in/community/threads/au-zenith-vs-au-zenith.18143/

 

[avikrish]

Any

I recently got MRCC, i am unable to buy apay gift cards more than 4500 , it is saying something wrong while going to payment gateway and after entering otp , the transaction is getting failed.

Any idea on this issue with amex gyftr??

 

[helloworld]

What about taj voucher which they give after 4L spends. Any work around on that, can we delay it or something, people say they will give taj voucher after few days of 4 lakh spends and need to use it in 1 month

you can delay the other half points in Travel card but not taj voucher, which automatically receives on our mail. In that case selling is the only option, and reduce return % in above table to 5714 value.

Ex: If you sold at 5000 then its 12% less value, so return % around 4.7% (12% of 5.43).

btw, its 1 year validity. maybe delay that 4L mark till renewal.

 

[helloworld]

Any

Any idea on this issue with amex gyftr??

What happened exactly?

- OTP page itself not coming
or
- OTP not coming to mobile/email
or
- Gyftr not allowing you to purchase more than 4500
or
- Some unknown error occurs when adding more than 4500

-----------------
whatever error you're seeing, are you able to see same

- with any other brand? no need to purchase, just check till OTP receives to your mobile and cancel it.

 

[navdeep22]

you can delay the other half points in Travel card but not taj voucher, which automatically receives on our mail. In that case selling is the only option, and reduce return % in above table to 5714 value.

Ex: If you sold at 5000 then its 12% less value, so return % around 4.7% (12% of 5.43).

btw, its 1 year validity. maybe delay that 4L mark till renewal.

1 year us more than enough. I read it here only on technofino about 1 month expiry of taj voucher. May be I understood something wrong

 

[helloworld]

1 year us more than enough. I read it here only on technofino about 1 month expiry of taj voucher. May be I understood something wrong

btw, you can top-up that voucher and extend validity, another option. may or maynot work for all but that exist.

 

[hcj21212]

travel card is pretty useless. if u see taj hotels one day booking is around 30,000-40,000 . voucher worth 10k is nothing...

also u have to spend 4 lakh in a year. plus there is no annual fees waiver. if i spend 4 lakh in it i can cover fees plus im left with 3500₹. and if i spend 2 lakhs only i can cover only fees. 0 money left.

if u compare to MRCC and spend 2 lakh in it. u get 1000% waiver plus . 11,000 points bare minimum extra . which is around 3500₹

mrcc is better then platinum

 

[navdeep22]

travel card is pretty useless. if u see taj hotels one day booking is around 30,000-40,000 . voucher worth 10k is nothing...

also u have to spend 4 lakh in a year. plus there is no annual fees waiver. if i spend 4 lakh in it i can cover fees plus im left with 3500₹. and if i spend 2 lakhs only i can cover only fees. 0 money left.

if u compare to MRCC and spend 2 lakh in it. u get 1000% waiver plus . 11,000 points bare minimum extra . which is around 3500₹

mrcc is better then platinum

so,,, 2 points
1. there are more than one options for taj hotels in delhi under 12-13k with breakfast for 2 poeple 1 room for 1 day
2. plat travel is maily for marriot bonvoy for me, might be same for many of us. Taj voucher is just complimentary and top of it

 

[coolguy1]

travel card is pretty useless. if u see taj hotels one day booking is around 30,000-40,000 . voucher worth 10k is nothing...

also u have to spend 4 lakh in a year. plus there is no annual fees waiver. if i spend 4 lakh in it i can cover fees plus im left with 3500₹. and if i spend 2 lakhs only i can cover only fees. 0 money left.

if u compare to MRCC and spend 2 lakh in it. u get 1000% waiver plus . 11,000 points bare minimum extra . which is around 3500₹

mrcc is better then platinum

Depending on your expenses and redeem choices, The Plat Travel can come in handy.

But agreed, if you aren't spending 4L in a year or staying in fancy hotels, MRCC is a better option! 🙂

 

[ManojGowda]

travel card is pretty useless. if u see taj hotels one day booking is around 30,000-40,000 . voucher worth 10k is nothing...

also u have to spend 4 lakh in a year. plus there is no annual fees waiver. if i spend 4 lakh in it i can cover fees plus im left with 3500₹. and if i spend 2 lakhs only i can cover only fees. 0 money left.

if u compare to MRCC and spend 2 lakh in it. u get 1000% waiver plus . 11,000 points bare minimum extra . which is around 3500₹

mrcc is better then platinum

You get plenty of options of waive off fee.
Easiest one is to get 50% dee waived

And its not a travel card rather a milestone card.
Mrcc is good for the first 2.4L only.
MRCC gives you around 30-32k points in an year where as plat travel can give you around 50-60k points in an year

 

[avikrish]

What happened exactly?

- OTP page itself not coming
or
- OTP not coming to mobile/email
or
- Gyftr not allowing you to purchase more than 4500
or
- Some unknown error occurs when adding more than 4500

-----------------
whatever error you're seeing, are you able to see same

- with any other brand? no need to purchase, just check till OTP receives to your mobile and cancel it.

after entering email, mobile no linked with amex , i get otp, after submitting otp, from the right side i am getting a pop up "something went wrong ", but still able to navigate to payment gateway page normally, after entering transaction otp, it is saying transaction failed. i am trying to add all 250 vouchers only worth Rs 1500, prev 3 transactions went well, after that this issue is seen.

 

[hcj21212]

so,,, 2 points
1. there are more than one options for taj hotels in delhi under 12-13k with breakfast for 2 poeple 1 room for 1 day
2. plat travel is maily for marriot bonvoy for me, might be same for many of us. Taj voucher is just complimentary and top of it

thanks ☺️ . amex rejected my gold charge application.. 🙁. i will keep platinum and mrcc for now. and see how it goes. will try to spend 4lakhs ina year on platinum. but i think i wont be able to spend anything on mrcc then 🙁( so i think i will end up paying fees for both the cards.

 

[hcj21212]

tell me which card should i use for online shopping. offline shopping. offline food joints- dominos pizza hut. jamie oliver etc. train tickets booking on makemy trip .

also i have sbi bank cc with outstanding of 70k. is it possible to transfer that outstanding to amex. because i want to close sbi card.

 

[ManojGowda]

thanks ☺️ . amex rejected my gold charge application.. 🙁. i will keep platinum and mrcc for now. and see how it goes. will try to spend 4lakhs ina year on platinum. but i think i wont be able to spend anything on mrcc then 🙁( so i think i will end up paying fees for both the cards.

make sure to make 4 transactions worth 1500 or more in a month on MRCC, this is the main point of this card. If you can't better to close it before the fee is charged.

tell me which card should i use for online shopping. offline shopping. offline food joints- dominos pizza hut. jamie oliver etc. train tickets booking on makemy trip .

also i have sbi bank cc with outstanding of 70k. is it possible to transfer that outstanding to amex. because i want to close sbi card.

currently what cards do you hold?
Plat travel is a great card for online shopping and offline shopping too depending on acceptability.
For train tickets use any HDFC card + SmartBuy (3x points or 5% cashback depending on card variant)
I don't think Amex ever advertises to transfer balance, not sure if anyone has done it.
one way would be to load your Mobikwik wallet at 2.5%+gst charges and then use the amount to pay off SBI CC bill and voila, your new amount is now on Amex and you get reward points and you also get milestone benefit.

 

[raviemailid]

Dumb question alert - for gold 6 1K transaction requirement for 1000 monthly bonus point, can I just make 6 1K gyftr amazon voucher purchase?

Use case- I am thinking of getting Gold card and mainly use for Amazon gyftr for its 5x multiplier. I use amazon pay for blinkit, zepto, uber, and utility payments. If i can get 5x multiplier and 1k bonus for 12 months, then the card turns out an amazing value.

 

[avikrish]

Dumb question alert - for gold 6 1K transaction requirement for 1000 monthly bonus point, can I just make 6 1K gyftr amazon voucher purchase?

Use case- I am thinking of getting Gold card and mainly use for Amazon gyftr for its 5x multiplier. I use amazon pay for blinkit, zepto, uber, and utility payments. If i can get 5x multiplier and 1k bonus for 12 months, then the card turns out an amazing value.

Yes you can do that.

Current situation: Getting Amazon pay from amex gyftr is like complete waste of valuable time, because of payment failures, vouchers unavailable, low denomination.

Amex is making the things really difficult to get Amazon gift cards

 

[helloworld]

Dumb question alert - for gold 6 1K transaction requirement for 1000 monthly bonus point, can I just make 6 1K gyftr amazon voucher purchase?

Use case- I am thinking of getting Gold card and mainly use for Amazon gyftr for its 5x multiplier. I use amazon pay for blinkit, zepto, uber, and utility payments. If i can get 5x multiplier and 1k bonus for 12 months, then the card turns out an amazing value.

Cumulative card total value should be >1000. Be it shopping purchae, gyftr purchase - the OTP page amount should be >1000.

It can be 250x4, 1x1000, 50x20, its upto you and how you make the billl.

Ex:

If your shopping total, 4000 then ask them split the bill to 1000 and pay 4 times.

should be >1000.

 

[raviemailid]

Quick question. Can I use both MRCC and Gold cards for 10k amazon pay each? 10k from Gold and 10k fro. MRCC?

 

[Indrajeet100]

Quick question. Can I use both MRCC and Gold cards for 10k amazon pay each? 10k from Gold and 10k fro. MRCC?

No you cannot

 

[raviemailid]

I ended up getting Gold. Seems very good for what it is. So I bought 10K amazon vouchers which on the basis of 5x reward multiplier should give me 1K points, plus 1K bonus points of 6 1K transactions each. SO each month 10K Amazon purchase will give me 2K points. Is that correct?

Also, can I refer myself to get another AMEX card and get referral bonus reward points?

 

[avikrish]

I ended up getting Gold. Seems very good for what it is. So I bought 10K amazon vouchers which on the basis of 5x reward multiplier should give me 1K points, plus 1K bonus points of 6 1K transactions each. SO each month 10K Amazon purchase will give me 2K points. Is that correct?

Also, can I refer myself to get another AMEX card and get referral bonus reward points?

Self refferal is not possible i guess

And also , 1000 per transaction like that 6 individual separate transactions need to be done per month to get milestone 1000 MR points per one calender month