Amex Mrcc with income eligibity of Amex smartearn

[Hsmanik]

I am just curious to know whether I can get Amex Mrcc with the income eligibity of Amex smartearn?
Even if I apply through referral.
Or Amex is just strict in terms of income?

 

[Vasuki]

I am just curious to know whether I can get Amex Mrcc with the income eligibity of Amex smartearn?
Even if I apply through referral.
Or Amex is just strict in terms of income?

All have 6 lakh itr requirement

Try it
Go for it

 

[Infamous]

All have 6 lakh itr requirement

Try it
Go for it

4.5L for salaried

 

[Infamous]

I am just curious to know whether I can get Amex Mrcc with the income eligibity of Amex smartearn?
Even if I apply through referral.
Or Amex is just strict in terms of income?

Depends on your cibil and credit history. But in majority of the cases, they ask for income proof. You will get rejected if you don't meet the 6L income criteria for MRCC.

 

[the_collector]

I am just curious to know whether I can get Amex Mrcc with the income eligibity of Amex smartearn?
Even if I apply through referral.
Or Amex is just strict in terms of income?

Will mainly depend on cibil, they can bypass documents if your cibil is strong enough. That is, you should have some other credit card with a good limit and a good credit history.

People get the charge card without income proof and much lower than the eligibility.

 

[Hsmanik]

Will mainly depend on cibil, they can bypass documents if your cibil is strong enough. That is, you should have some other credit card with a good limit and a good credit history.

People get the charge card without income proof and much lower than the eligibility.

Thanks for your input,
My annual income is just above 4.5L.
I have 2 credit cards (axis & SBI) with a combined limit of 80k. No late payments 45/45.
My Cibil is around 770.

 

[SpiesCan'tCatchMe]

A noob doubt, what benefits do we get from mrcc if someone already has apay, hdfc millennia and Airtel axis and tata neu Infinity

 

[SSV]

All have 6 lakh itr requirement

Try it
Go for it

4.5L for salaried

Yes, this is correct ..

for SE - for salaried 4.5L ITR is enough ..

 

[SSV]

A noob doubt, what benefits do we get from mrcc if someone already has apay, hdfc millennia and Airtel axis and tata neu Infinity

MRCC is a great card to get into Amex system thru referral program..
for 1.5L - annual fee wavier
for 90K spend s only 750 fee
and for <90K spends - 1.5K annual fee ( generally 4.5k annual fee during non - referral period).

As far as rewards are concerned.. it depends on how you redeem..

but for 4*1.5k purchase per month - 1K bonus points is really a good vaule depending up on on the redemption choice..

 

[SSV]

Thanks for your input,
My annual income is just above 4.5L.
I have 2 credit cards (axis & SBI) with a combined limit of 80k. No late payments 45/45.
My Cibil is around 770.

You can try your luck.. Amex might not ask for income docs or may ask for them depending upon how the Amex's BRE decides...

There is no definite answer but a lot of people these days are getting the Amex cards without Income docs...

 

[Hsmanik]

You can try your luck.. Amex might not ask for income docs or may ask for them depending upon how the Amex's BRE decides...

There is no definite answer but a lot of people these days are getting the Amex cards without Income docs...

Sure,
Will definitely try. Thanks!

 

[Hsmanik]

Sure,
Will definitely try. Thanks!

Hi all,
Just a quick update.
I applied for mrcc and it was approved without any income documents and was delivered in 4 days of submitting the application.
All thanks to @SSV for helping with the referral and application process.

 

[350modena]

Hi all,
Just a quick update.
I applied for mrcc and it was approved without any income documents and was delivered in 4 days of submitting the application.
All thanks to @SSV for helping with the referral and application process.

Congrats and welcome to amex!

 

[JustMak]

Thanks for your input,
My annual income is just above 4.5L.
I have 2 credit cards (axis & SBI) with a combined limit of 80k. No late payments 45/45.
My Cibil is around 770.

You should easily get based on c2c basis

 

[JustMak]

Ohh.. I see, you already got it.. Congrats!

 

[helloworld]

A noob doubt, what benefits do we get from mrcc if someone already has apay, hdfc millennia and Airtel axis and tata neu Infinity

If primary use case here: amzn, fk, myntra etc. (mostly millennia websites) then no use. It would be even difficult to achieve or spend 1.56L on this card when you focus on other card.

Only useful if spends cross >2.5L in a year then might find it but again additional 1.5 required = 4L.

 

[cheddarcheese]

I am just curious to know whether I can get Amex Mrcc with the income eligibity of Amex smartearn?
Even if I apply through referral.
Or Amex is just strict in terms of income?

Being an employee I confirm, amex is strict when it comes to incomes for sure.

 

[phoenix1386]

Hi all,
Just a quick update.
I applied for mrcc and it was approved without any income documents and was delivered in 4 days of submitting the application.
All thanks to @SSV for helping with the referral and application process.

Which PIN code did you apply from?

 

[mnh007786]

I have 621k ITR. My Aadhar Card pincode at Serviceable area. But my business address not in Serviceable are and 125 kilometers far from Aadhar pincode.
So this not issue for amex. Can I get card easily?
I looking for MRCC card

 

[350modena]

I have 621k ITR. My Aadhar Card pincode at Serviceable area. But my business address not in Serviceable are and 125 kilometers far from Aadhar pincode.
So this not issue for amex. Can I get card easily?
I looking for MRCC card

You should be able to. Use my referral to get the card FYF and 2000 bonus MR points.