Doubt regarding amazon purchases

[maynigam]

Hello guys. I am using Amex Gold charge for buying amazon pay vouchers at reward multiplier and assuming a return of 5% at airmiles and gold catalogue and a return of 10% at Taj and Bonvoy.
If we plan to spend not more than 25k on amazon, I feel that Gold charge gives the best rate of return, am I correct? Is there any other better method?

If we plan to spend more than 25k per month, its better to get SBI cashback and if we plan to spend more than 1 lakh, its better to get ICICI amazon pay card right?

 

[AlgoTrader]

MRCC is best upto 20K. Gold charge is best till 6K

 

[maynigam]

MRCC is best upto 20K. Gold charge is best till 6K

Can you please elaborate?

 

[aceventura]

Hello guys. I am using Amex Gold charge for buying amazon pay vouchers at reward multiplier and assuming a return of 5% at airmiles and gold catalogue and a return of 10% at Taj and Bonvoy.
If we plan to spend not more than 25k on amazon, I feel that Gold charge gives the best rate of return, am I correct? Is there any other better method?

If we plan to spend more than 25k per month, its better to get SBI cashback and if we plan to spend more than 1 lakh, its better to get ICICI amazon pay card right?

Apay ICICI has a hidden hard limit of 10K cashback per month. If you go above that, your card could get blocked.
SBI CB has a 5K limit for cashback.

Plat Travel would probably give better returns if you can hit the 4L milestone compared to Gold charge.

 

[maynigam]

Apay ICICI has a hidden hard limit of 10K cashback per month. If you go above that, your card could get blocked.
SBI CB has a 5K limit for cashback.

Plat Travel would probably give better returns if you can hit the 4L milestone compared to Gold charge.

Ofcourse. I prefer to use gold charge only on 5x reward multiplier. And Platinum Charge to 4L limit. Planning to apply MRCC as companion card just for the extra milestone benefits.

 

[aceventura]

Ofcourse. I prefer to use gold charge only on 5x reward multiplier. And Platinum Charge to 4L limit. Planning to apply MRCC as companion card just for the extra milestone benefits.

I think they have paused on companion cards except for plat charge.

 

[aceventura]

MRCC is best upto 20K. Gold charge is best till 6K

Do they give fee waivers or equivalent points for 72k spend in gold charge? I would assume they would expect more spend on it, no? Ofcourse it comes down to the individual's negotiation skills.

Without the fee waiver, the returns become 6-7%

 

[maynigam]

I think they have paused on companion cards except for plat charge.

I called customer care. They said that i can apply for mrcc and then call them to make it a free companion. Also said that it should not use referral link for the application.