How to get Amex Platinum Travel Credit Card if My aadhar do not have Pune address (ime. Serviceable City) but I work here

[wiseinvestor]

Hi , Currently I am working in Pune. I want to appy for the American Express Platinum Travel Credit Card but I have read that its application gets rejected if your aadhar address is not from the list of serviceable cities. But since I work in Pune is it possible to get the card somehow.

I have ICICI ruby, coral, and Amazon pay as of now.

 

[ManojGowda]

Only way: need to change in aadhaar to a serviceable location

 

[coolguy1]

Current address - does not matter.

Proof of Address - matters.

So, as long as your Aadhar address is serviceable, you could be chilling in the remotest village in the country and it wouldn't matter.
(Some people say it does but honestly it doesn't as long as your credit profile meets the criteria)

Easiest solution: Update your Aadhar address, it takes a few days and then apply and you'll have your Travel card sooner than you expect!

 

[asura]

Some background:
I've joined the Amex ecosystem in February 2024.
Points that may have helped me in getting it:

• Multiple credit cards of multiple banks (>10) with decent limits (ranging between ~50k and 3L+)
• Decent CIBIL (Ranges 750-775 always)
• Never missed a single due date on any card.
• A fair mix of CCs, Personal loan, Consumer Durable loan.
• Serviceable location (Hyderabad)

Most Important Requirement to not get rejected: (Tip-1)
Although, there are other requirements of Salary, residence, serviceable location, not many know about a specific requirement that people get to know only after getting rejected.
Your Residential address that you give while filling the online form with AMEX and that on your AADHAR must be the same.
Usually, there are several people who work in metropolitan cities but have their hometown as AADHAR address or few do not change AADHAR addresses when they frequently shift, these people should take extra care.
Almost every other bank card gets approved if the present AADHAR address and residential address are different, they would just verify your residential location during video call with the help of GPS.
But Amex rejects the application if the AADHAR address does not match the residential address that you give while filling the form. To avoid rejection, change your Aadhar address.
Rest of the process is as usual.

MSP of AMEX MRCC:
2000 MR points in a month:

1. 1000 MR points: Perform 4 transactions of minimum ₹1500 each (it can be ANY transaction).
2. 1000 MR points: Cumulative spend in a CALENDAR month should be minimum ₹20,000. The first 6000 can be counted in this 20,000. So you can do remaining 14,000.

Tip-2: Not everybody holding the card knows this. The above two tasks have to be performed in the CALENDAR month, not your billing cycle.

Also, you get your usual reward points on the above transactions as well.

Calculation of points:
1. For every ₹50, you get 1 MR point, so for the above 20,000 spend per month, you get 400 MR points.
2. 2000 MR points as discussed previously.
3. Total would be 2400 MR points per month. Which would be 28,800 MR points per year.

Redemption:
You can redeem them for 18karat or 24karat Gold Collection (just name of the package of vouchers) which offer several vouchers like Amazon, Flipkart etc(worth ₹8000), Tanishq (worth ₹9000), Taj voucher (worth ₹14,000)- anyone of these for 24,000 points, you have similar collection for 18,000 points.
Apart from the usual points, there is also a provision for Reward Multiplier using the Amex GYFTR portal when brand vouchers are purchased. Accelerated rewards of 2X would be added. Check the link https://www.gyftr.com/amexrewardmultiplier/

Places where you can spend: Best thing about AMEX is that it doesn't discriminate among types of spends (except fuel, direct utility and govt bill payments- byspassing this will be also explained below)- you won't be awarded reward points for these transactions but they would be counted for monthly milestone spends and spending requirement for renewal fee waiver.

1. Limited offline presence. But famous places like Dmart, reliance, few petrol bunks, most of the branded showrooms accept this card. I've also made a purchase yesterday at a famous Jewellery shop (without any extra charge).
2. Online: mostly all platforms and websites.
Tip-3:
3. You can pay rent or education fee on few platforms. Amex doesn't impose any extra rate % as other banks where it is generally 1-1.5% example: HDFC, SBI, ICICI etc where you don't even get any reward points. But Amex charges you NIL and also gives usual reward points.
4. You can pay NPS and other govt related bills. This part won't be rewarded but can be used to complete monthly milestones, which will be counted (both in 4 x ₹1500 and ₹20,000 category milestones)
5. A subpoint of points 1&2: you can purchase Amazon Pay vouchers from GYFTR portal (for this there is a limit of 10k per month but varies according to users) to pay your utility bills. This way you get the benefit of Reward Multiplier (2X) as well and can complete the monthly milestones quickly.

Considering all these aspects, this is now a must have card if you have natural spends above 2 Lakh in a year, which most credit card users do.
The renewal fee is also waived off if you spend 1.5 Lakh in a year and if your spends are between 90k-1,49,999 then you get a renewal fee waiver of 50%.
So, if you have yearly spends of ₹1.5 Lakh, this is a no brainer. You'll virtually make the card LTF by spending 1.5 lakh on this card every yr, which is also highly rewarding.

Entering the Amex ecosystem is an important step to understand the whole game of miles and hotel points (Marriott Bonvoy).

The new design of this card is a cherry on the top.

You may DM me for the current working referral link. You'd get extra MR points and Deck of playing cards from AMEX and an Amazon/Flipkart gift voucher from me after successful referral.
Alternatively, you can use the latest link pasted in the About section.

You might have something helpful here. Do not apply before reading this. There would be high chances of rejection. You may go through the thread as there is also little conversation with members on this topic.