Amex Trifecta - Optimal Usage Guide

[SubhankarSubhankar is verified member.]

Sometimes back I wrote a handwritten note on how to maximise the utilisation of AMEX Trifecta and shared over Twitter, so here's the guide. Hope it helps

The Cards used here are the followings:

1. AMEX Membership Rewards Credit Card
2. AMEX Platinum Travel Credit Card
3. AMEX Gold Charge Card

As per the talks, AMEX ban is suppose to get lifted "soon enough", this guide may help you to make your choice on with which card you'd like to go for and how to maximise the MR points accumulation without breaking the bank


A huge chunk of contribution of it came from Sujit Kumar Hota ( @Skh27 ) and if you want maximise the use of MR points into airmiles, you can check this compact guide by Tejas Ghongadi ( @Tejas ) : AMEX MR Points' Utilisation in Airmiles






Apply For An Amex Credit Card - Click Here

 

[anishagarwal2502]

If we spend 1.5k x4 only using our mrcc, then we'll only spend 72k and receive 12k less MR.
In this case, our total spending will be 4L on Plat travel + 72k on gold charge + 72k on mrcc
= 5.44L
Points we'll get= 48k from Plat travel + 19.2k from gold charge + 16.8k from mrcc.
Total = 84k MR
Reward rate - 15.44%

that is incorrect.

if u spend 4L on Plat travel + 72k on gold charge + 72k on mrcc
= 5.44L
Points we'll get= 48k from Plat travel + 19.2k from gold charge + 13.4k from mrcc.
Total = 80.6k MR
Reward rate - 14.81% MR points as compared to spends which translates to 7.4% (if 50 paisa per MR point (let's take general case)) = 40.3K INR

but mind the fees (2nd yr onwards) as well 5900 plat travel + 5310 for gold + 1770 for MRCC = 12980 INR
meaning effective saving is 27.3k INR ~ 5%

 

[kunaljn91]

that is incorrect.

if u spend 4L on Plat travel + 72k on gold charge + 72k on mrcc
= 5.44L
Points we'll get= 48k from Plat travel + 19.2k from gold charge + 13.4k from mrcc.
Total = 80.6k MR
Reward rate - 14.81% MR points as compared to spends which translates to 7.4% (if 50 paisa per MR point (let's take general case)) = 40.3K INR

but mind the fees (2nd yr onwards) as well 5900 plat travel + 5310 for gold + 1770 for MRCC = 12980 INR
meaning effective saving is 27.3k INR ~ 5%

Couple of things here!

1. From the 3 cards, you can request them to make one as a companion card, or can even negotiate for the annual charges

2. If you can spend 1.5 Lakh on MRCC, that will waive of the annual charges

3. Amex cards are mostly known best for travel redemptions! (Though as a base, 1 MR point can be treated as 0.5 Paise but if you can transfer it for Mariott Points, it can reap amazing benefits at time!

4. Also, on reaching 4L of Platinum travel will get you a 10k worth Taj Vouchers (Also, there are a lot of spend based offers that might take the reward rate even higher)

 

[TechnoFinoTechnoFino is verified member.]

that is incorrect.

if u spend 4L on Plat travel + 72k on gold charge + 72k on mrcc
= 5.44L
Points we'll get= 48k from Plat travel + 19.2k from gold charge + 13.4k from mrcc.
Total = 80.6k MR
Reward rate - 14.81% MR points as compared to spends which translates to 7.4% (if 50 paisa per MR point (let's take general case)) = 40.3K INR

but mind the fees (2nd yr onwards) as well 5900 plat travel + 5310 for gold + 1770 for MRCC = 12980 INR
meaning effective saving is 27.3k INR ~ 5%

4L on plat travel+ 72k on MRCC (2x RM) + 72k on gold charge (5x RM)
Points we'll get= 48k from Plat travel + 19.2k from gold charge + 14.8k from mrcc.
Total = 82k MR
Reward rate - 15.07%

 

[sameerdes]

4L on plat travel+ 72k on MRCC (2x RM) + 72k on gold charge (5x RM)
Points we'll get= 48k from Plat travel + 19.2k from gold charge + 14.8k from mrcc.
Total = 82k MR
Reward rate - 15.07%

Had a query. Are all these MR points transferrable to Airmiles/Loyalty programs at once or all together? I read on the Amex website that the 15k & 25k milestone benefits on Plat travel are separate / redeemable only for Flipkart/ATO. In which case, aren't the plat travel MR separate from the other 2?

 

[rjsudeep]

Sometimes back I wrote a handwritten note on how to maximise the utilisation of AMEX Trifecta and shared over Twitter, so here's the guide. Hope it helps

The Cards used here are the followings:

1. AMEX Membership Rewards Credit Card
2. AMEX Platinum Travel Credit Card
3. AMEX Gold Charge Card

As per the talks, AMEX ban is suppose to get lifted "soon enough", this guide may help you to make your choice on with which card you'd like to go for and how to maximise the MR points accumulation without breaking the bank


A huge chunk of contribution of it came from Sujit Kumar Hota ( @Skh27 ) and if you want maximise the use of MR points into airmiles, you can check this compact guide by Tejas Ghongadi ( @Tejas ) : AMEX MR Points' Utilisation in Airmiles





View attachment 3427

Awesome info, going to save this for the time when I become eligible for an AMEX. Thanks 🙂

 

[cardwala]

Is there any prepaid card in which we can load money to hit the monthly milestone of 20k for MRCC

 

[Slayer]

Is there any prepaid card in which we can load money to hit the monthly milestone of 20k for MRCC

Buy amazon gift voucher to pay bills

 

[kunal_07]

how does one enroll for the 20k per month MR benefit? For the MRCC card.

 

[amit]

how does one enroll for the 20k per month MR benefit? For the MRCC card.

 

[kunal_07]

T

View attachment 4996

Thanks!

 

[vasanth_ece]

that is incorrect.

if u spend 4L on Plat travel + 72k on gold charge + 72k on mrcc
= 5.44L
Points we'll get= 48k from Plat travel + 19.2k from gold charge + 13.4k from mrcc.
Total = 80.6k MR
Reward rate - 14.81% MR points as compared to spends which translates to 7.4% (if 50 paisa per MR point (let's take general case)) = 40.3K INR

but mind the fees (2nd yr onwards) as well 5900 plat travel + 5310 for gold + 1770 for MRCC = 12980 INR
meaning effective saving is 27.3k INR ~ 5%

Can't we get either Gold/MRCC as a companion card,if we have Platinum Travel which may be LTF.

 

[Subhash]

Buy amazon gift voucher to pay bills

Sometimes back I wrote a handwritten note on how to maximise the utilisation of AMEX Trifecta and shared over Twitter, so here's the guide. Hope it helps

The Cards used here are the followings:

1. AMEX Membership Rewards Credit Card
2. AMEX Platinum Travel Credit Card
3. AMEX Gold Charge Card

As per the talks, AMEX ban is suppose to get lifted "soon enough", this guide may help you to make your choice on with which card you'd like to go for and how to maximise the MR points accumulation without breaking the bank


A huge chunk of contribution of it came from Sujit Kumar Hota ( @Skh27 ) and if you want maximise the use of MR points into airmiles, you can check this compact guide by Tejas Ghongadi ( @Tejas ) : AMEX MR Points' Utilisation in Airmiles





View attachment 3427

Amazon egv is still eligible for 5x on gold charge card via rewards multiplier?
I could not find Amazon from website. Please confirm.

 

[Revitup]

Couple of things here!

1. From the 3 cards, you can request them to make one as a companion card, or can even negotiate for the annual charges

2. If you can spend 1.5 Lakh on MRCC, that will waive of the annual charges

3. Amex cards are mostly known best for travel redemptions! (Though as a base, 1 MR point can be treated as 0.5 Paise but if you can transfer it for Mariott Points, it can reap amazing benefits at time!

4. Also, on reaching 4L of Platinum travel will get you a 10k worth Taj Vouchers (Also, there are a lot of spend based offers that might take the reward rate even higher)

Does that mean I can hold MRCC as LTF if I spend over 150000 and either of the other two cards as companion card? Like gold charge as companion to Plat travel?

 

[Slayer]

Does that mean I can hold MRCC as LTF if I spend over 150000 and either of the other two cards as companion card? Like gold charge as companion to Plat travel?

I don't think Gold charge can be companion to Plat Travel

 

[Amrish]

Amazon vouchers are not available on reward multiplier right?
What’s the best use case for 6x1000 transactions since Amazon is not available. What do you all normally use it for?

 

[Wealth is my birth right!]

I

Amazon vouchers are not available on reward multiplier right?
What’s the best use case for 6x1000 transactions since Amazon is not available. What do you all normally use it for?

found bb vouchers with 2% discount hope we can use it

 

[navonline7]

I plan to get the MRCC. Can MRCC RPs be converted to air miles similar to the Plat Travel and other AMEX cards, including 4000 RPs that we get as welcome gift?

 

[navonline7]

Had a query. Are all these MR points transferrable to Airmiles/Loyalty programs at once or all together? I read on the Amex website that the 15k & 25k milestone benefits on Plat travel are separate / redeemable only for Flipkart/ATO. In which case, aren't the plat travel MR separate from the other 2?

I have the same query. Have you got any reply for this? @TechnoFino and @Subhankar, please help

 

[Gkcards]

How should I deal with trifecta when I have magnus, should I stop using the trifecta if I can spend 1L on magnus?

@TechnoFino
@Subhankar
@bhavyegoel

 

[Tejas]

I plan to get the MRCC. Can MRCC RPs be converted to air miles similar to the Plat Travel and other AMEX cards, including 4000 RPs that we get as welcome gift?

All Amex MR points have the same conversion partners regardless of the card or Points type.