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How to get AMEX Card as LTF?

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Amex offered MRCC way back in 2017 as LTF since then I never saw Amex offering LTF. Once it gets unbanned you can opt for Amex SmartEarn, joining fee is refunded via an Amazon voucher of same worth and you can waive off annual fee just by spending 40,000 rs. in a year. I am holding Smart Earn since last 3 years and never paid any joining or annual fee, got them waived off each time.
 
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bidge said:
Amex offered MRCC way back in 2017 as LTF since then I never saw Amex offering LTF. Once it gets unbanned you can opt for Amex SmartEarn, joining fee is refunded via an Amazon voucher of same worth and you can waive off annual fee just by spending 40,000 rs. in a year. I am holding Smart Earn since last 3 years and never paid any joining or annual fee, got them waived off each time.
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i mainly use amex smartearn card for amazon balance load transaction only. I load 2500rs each month for which I receive 500 reward points worth 125Rs( indirectly, 5% cashback on load money transaction😎)
 
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Lakshya Mahani said:
i mainly use amex smartearn card for amazon balance load transaction only. I load 2500rs each month for which I receive 500 reward points worth 125Rs( indirectly, 5% cashback on load money transaction😎)
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I have been able to get at least 5K worth of benefits till now from my smart earn without paying a single penny to them. Latest one being a spend based offer where I got 1500 Rs. Flipkart Voucher from their side.
 
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bidge said:
Will they offer MRCC as LTF to customers having Paid SmartEarn? Do you have any references which mentions about this?
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No.. MRCC is higher variant compared to SmartEarn. So, they don't give MRCC (which is of 4k annual fee from second year onwards) as LTF, with relation to paid SmartEarn which is of 500/-
 
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dhshankar said:
No.. MRCC is higher variant compared to SmartEarn. So, they don't give MRCC (which is of 4k annual fee from second year onwards) as LTF, with relation to paid SmartEarn which is of 500/-
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They give MRCC as pure LTF too under specific offers. I have one since 2017. Some people I know have Gold Charge as LTF also courtesy tie-ups with organization.
 
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souvikdey2002 said:
I guess, once this ban is over then to capture the market again they will shower with LTF Cards based on the Customer Profile.
We need to wait till then.
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Not sure if that will happen. There is 7/10 chance that it won't. Because Amex Business is very different from VISA or others. Although, they want to make money like all others, they have known to NEVER show desperation to sell their Credit Cards. This can also be proven by the fact that their charges are the highest in the market (around 3-3.5% per transaction), which is why many small businesses do not accept those cards. Even then they don't reduce it.
Even then, they make the most amount of money per card, compared to VISA or Mastercard. I mean like even though VISA and Mastercard had like 70-80% of the market (before UnionPay), Amex card still used to make 70% of profits per card compared to some 28% per card by VISA or Mastercard.
Also, some good business accept Amex because those cards are mostly owned by Rich people, which Amex targets. They are also very strict with approving the cards.

Although I really want them to run the LTF offers, and fall into the rest 3/10.
 
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AsishB said:
Not sure if that will happen. There is 7/10 chance that it won't. Because Amex Business is very different from VISA or others. Although, they want to make money like all others, they have known to NEVER show desperation to sell their Credit Cards. This can also be proven by the fact that their charges are the highest in the market (around 3-3.5% per transaction), which is why many small businesses do not accept those cards. Even then they don't reduce it.
Even then, they make the most amount of money per card, compared to VISA or Mastercard. I mean like even though VISA and Mastercard had like 70-80% of the market (before UnionPay), Amex card still used to make 70% of profits per card compared to some 28% per card by VISA or Mastercard.
Also, some good business accept Amex because those cards are mostly owned by Rich people, which Amex targets. They are also very strict with approving the cards.

Although I really want them to run the LTF offers, and fall into the rest 3/10.
Click to expand...
At least they should throw around some SmartEarn Cards around.
 
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I got the AMEX Gold during my MBA. They later asked me to convert this to MRCC which was LTF given my corporate credit card. However, this got converted to a normal spend based card after I left that employer.
Does anyone know a way to move back to Gold charge card from MRCC now and preferably LTF. Most of my spend goes to DCB and now StanC Ultimate
 
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