Amex Strategy for Couples

[General-Zod]

Hey Guys,

My Girlfriend and I both earn 1.2Lac pm and are planning to take an International Trip in July 2025. Our Yearly Spends (incl. rents) goes a little north of 11 Lacs. our Avg Monthly Spends till Vacation will be about 1 Lac pm.

We were planning to accumulate as much Amex Points possible before our Vacation in July and redeem them on Hotels/Flights. We are trying for the Mobikwik Wallet Loads to hit Milestones since our house rents is a major chunck of our Spends.

What Should be the best Strategy in terms of Cards for next 6 Months? our combined spend will be 6.5 Lacs by then.
1 Person holding Amex Trifecta and Apply for another Trifecta after our Vacation to start accumulating points for the next trip.

 

[ManojGowda]

You already know the answer. Hit your milestones monthly for mrcc and gold.
Pretty sure acceptance is gonna be an issue, get cashback card/atlas for situations where amex isn't accepted.
Get the trifecta utilize the joining bonus + referral bonus and enjoy your trip.

 

[mj01]

4L on Amex plat travel - 48k points you can transfer to MB. Should easily get you 2 nights if you plan properly. Get another card for forex spends (not Amex!). Check this list: https://www.technofino.in/community...s-that-offset-mark-up-fee-with-rewards.32783/

I would recommend Axis Atlas for your salary range (make sure you can at least cross 3L threshold for this one in the year). Use this for direct hotel/ flight bookings and payments, and convert the points to Accor (giving you 18% minus forex markup). This way you will have already accumulated nights for the next trip.

Also consider HDFC MB card, which will give you a free night for paying 3.5k fees.