hellobois
TF Legend
New annual fee structure is toooooooo much for Amex considering benefits and my current usages.MRCC is 2x, Gold 5x and plat travel 3x on gyftr in terms of MR points. MRCC and gold have a monthly milestone spend. Plat travel has an annual milestone spend.
If you can spend 4L then go for plat travel. As insurance will count for milestone benefits (even if no base points)
Use a referral link to get MR points to offset the FY Fee (you can use mine from my signature).