How To Get An Amex Card Easily | Best Amex Credit Card For You | All Amex Card Eligibility Criteria

[TechnoFino]

If you are a credit card enthusiast, then you must have an Amex card. Your credit card portfolio is incomplete if you don't have an American Express card. There are many reasons behind holding a credit card from Amex. They come up with frequent online and offline deals. Their reward system [MR Points] is one of the most rewarding and valuable credit card reward programmes.
Amex India offers four credit cards and two charge cards in India.

Credit Card List-

1. Amex SmartEarn Credit Card
2. Amex Membership Rewards Credit Card
3. Amex Platinum Reserve Credit Card
4. Amex Platinum Travel Credit Card
5. AMEX Platinum Charge Card
6. AMEX Gold Charge Card

Eligibility Criteria-
1. You must have a serviceable area address [can be your current address]. Normally, Amex doesn't ask for address proof.

Serviceable City List-
Guntur, Hyderabad, Krishna, Medak, Rangareddy, Visakhapatnam, Vizianagaram, Chandigarh, Jaipur, Ahmedabad, Gandhinagar, Bardoli, Surat, Vadodara, Ambala, Jhajjar, Panchkula, Bengaluru, Kochi, Bhopal, Indore, Mumbai, Pune, Raigad, Thane, Bhubaneswar, Khurdha, Mohali, Chennai, Coimbatore, Erode, Kanchipuram, Krishnagiri, Salem, Tiruvallur, Gautam Buddha Nagar, Hooghly, Howrah, Kolkata, North 24 Parganas, South 24 Parganas, Delhi, Noida, Ghaziabad, Gurgaon, Faridabad, Vijayawada, Ernakulam, Secunderabad, Aluva, Ropar, Hosur, Sriperumbudur, Tiruppur, Baramati, Navi Mumbai, Lucknow, Trivandrum, Mysuru, Nasik, Nagpur, Ludhiana,

2. Income:-

Card Name	Salaried Person	Self-Employed
AMEX SmartEarn Credit Card	Rs. 4,50,000	Rs. 6,00,000
AMEX Membership Rewards Credit Card	Rs. 6,00,000	Rs. 6,00,000
AMEX Platinum Travel Credit Card	Rs. 6,00,000	Rs. 6,00,000
AMEX Platinum Reserve Credit Card	Rs. 6,00,000	Rs. 6,00,000
AMEX Gold Charge Card	Rs. 6,00,000	Rs. 6,00,000
AMEX Platinum Charge Card	Rs. 25,00,000	Rs. 15,00,000

Things to remember when applying for an Amex card:

1. You must have an address in a serviceable area.
2. Your CIBIL score should be a minimum of 750.
3. No late payment entries in your CIBIL report in the last 7 years. [unofficial]
4. No more than three hard inquiries in the last three months. [unofficial]

If you are eligible, just apply for an AMEX card using this link - Click Here & Apply For AMEX Card.

Best Amex Credit Card For You:

Amex offers entry-level cards as well as ultra-premium cards. We typically use our American Express card to earn miles and hotel loyalty points. You have to choose the right credit card for you according to your needs and how you want to redeem your card's reward points.

Lets Simplify This-

• If you are not looking for airmiles or hotel points but just want an AMEX card for their online and offline deals, then get an entry-level card like the Amex SmartEarn.
• Get an AMEX MRCC if you can spend Rs. 1,50,000 per year [1,500 X 4 Transactions per Month] but aren't interested in airmiles.
• If you are into airmiles games, you want to redeem your reward points for airmiles or hotel points, and you can spend Rs. 5,50,000 to Rs. 8,00,000 a year, then get AMEX Platinum Travel + AMEX Gold Charge + AMEX MRCC. More details below.
• If you are looking for a pure lifestyle credit card and don't care about the card's fees or reward rate, then you can go for the American Express Platinum Charge Card.

Now, how to maximise your AMEX reward:
Apply for Amex Gold Charge, Amex Platinum Travel, and Amex MRCC. You can get MRCC as a companion card with an Amex Gold Charge. That means you don't have to pay any fees for the Membership Rewards Card as long as you hold an AMEX Gold Charge Card. And you can always negotiate with Amex for your other card's fees reversal, remember one think... If you don't ask for retention offer, you'll get nothing.

Use your Platinum Travel Card to spend Rs. 400,000:
If you spend 4L using your Plat travel card, you'll get 48,000 MR points and a Taj Hotel voucher of Rs. 10,000.
Regular MR for spending 4L = 8,000 MR
Milestone 1 [1.9L spends] = 15,000 MR
Milestone 2 [4L spends] = 25,000 MR, TAJ GV- 10K

Using your AMEX Gold Charge Card, spend Rs. 72,000:
If you make 6 transactions a month of Rs. 1,000 each via Amex reward multiplier [ex-buy any gift voucher], then you'll get 5X MR points + 1000 bonus MR points.
Total Points Per Year-
5X Bonus = 7200 MR
6 Transactions bonus = 12,000 MR
Total = 19,200 MR

Use your American Express MRCC to spend 72,000/2,40,000:
Case 1:
If you make 4 transactions a month of Rs. 1,500 each via Amex reward multiplier [ex-buy any gift voucher], then you'll get 2X MR points + 1000 bonus MR points.
Total Points Per Year-
2X Bonus = 2880 MR
6 Transactions bonus = 12,000 MR
Total = 14,880 MR

Case 2:
If you make 4 transactions a month of Rs. 1,500 each via Amex reward multiplier [ex-buy any gift voucher], then you'll get 2X MR points + 1000 bonus MR points, and spend a total of Rs. 20,000 a month.
Total Points Per Year-
2X Bonus on 72K = 2880 MR
Normal Reward On 1.68L = 3360 MR
6 Transactions bonus = 12,000 MR
20K Transaction bonus = 12,000 MR
Total = 30,240 MR

So, if you spend 4L using AMEX Platinum Travel + 72K using Gold Charge + 72K using MRCC (case 1), then you'll get a total of 82,080 MR points and a Taj hotel voucher worth Rs. 10,000.
Total Spends = Rs. 5,44,000
Total Value Back [If you value 1 MR = Rs. 0.80] = Rs. 75,664
Card Annual Fees you have to pay-
Gold Charge = Rs. 4,500 + 18% GST = Rs. 5310
Platinum Travel = Rs. 5000 + 18% GST = Rs. 5900
MRCC = 0* Companion Card
Total Fees= Rs. 11,210
Actual Value Back = Rs. 64,454 [after spending 5.44L]
Reward Rate-11.85%
# If you manage to get Platinum Travel Card fees waiver, then reward rate will be- 12.93%

Now,
If you spend 4 lakhs using AMEX Platinum Travel + 72K using Gold Charge + 2.40 lakhs using MRCC, then you'll get a total of 97,440 MR points and a Taj hotel voucher worth Rs. 10,000.
Total Spends = Rs. 7,12,000
Total Value Back [If you value 1 MR = Rs. 0.80] = Rs. 87,952
Card Annual Fees you have to pay-
Gold Charge = Rs. 4,500 + 18% GST = Rs. 5310
Platinum Travel = Rs. 5000 + 18% GST = Rs. 5900
MRCC = 0* Companion Card
Total Fees = Rs. 11,210
After spending 7.12L, the actual value returned is Rs. 76,742.
Reward Rate-10.78%
# If you manage to get Platinum Travel Card fees waiver, then reward rate will be- 11.61%

Apply For AMEX Credit Card- Click Here (All Amex Card Application Link)

 

[Lobogris]

Finally got my first Amex, the Platinum Travel card. Limit is fairly reasonable at 9.46 lakhs. Earlier application for MRCC was declined last September. This time, it was approved the next day without any issues.

 

[SSV]

Finally got my first Amex, the Platinum Travel card. Limit is fairly reasonable at 9.46 lakhs. Earlier application for MRCC was declined last September. This time, it was approved the next day without any issues.

congratulations !! .

 

[Lobogris]

congratulations !! .

Thank you, sir. Hopefully you can use your wisdom and knowledge to guide me on its usage!

 

[sodapop]

I hold multiple cards of AmEx and use DCB as well.

Honestly, it's a hard comparison and would differ from user to user depending on where they're spending the money and where do they live(could impact the acceptance) so instead of choosing this or that for people, I suggest them to try card.

AmEx cards are free for the first year while DCB costs money so if you want to test the waters, get an AmEx card first, see how the benefits accumulate and how rewarding your journey feels for the gifts/points that you want to be claim for your benefits.

Then apply for the DCB and see how that goes, continue with the one that you like the most!

Got it. I got the MRCC card delivered to me just today. Let's see how things fare.

 

[coolguy1]

Got it. I got the MRCC card delivered to me just today. Let's see how things fare.

Congrats on your new Amex card!

 

[Lobogris]

Got it. I got the MRCC card delivered to me just today. Let's see how things fare.

My Platinum Travel was delivered today as well! No idea where to use it though. Any suggestions are welcome.

 

[ALOAK]

My Platinum Travel was delivered today as well! No idea where to use it though. Any suggestions are welcome.

You can use it on reward multiplier for amazonshopping or gift card. You use it to load wallet on mobikwik and if you are into travel use it for buying air or train ticket you get points to pay directly bsnl telecom only you can use on swiggy zomato branded shopping mall or if u r into 5 star hotel experience you can use there.

 

[ketz1981]

I applied for Platinum Travel on Wednesday, vKYC was done on the same day. Received email yesterday that application is approved and card delivery in 3-7 days. Any idea if Amex share dispatch info?
Also, a big shout-out to @BestBanker for his help.

 

[Lobogris]

You can use it on reward multiplier for amazonshopping or gift card. You use it to load wallet on mobikwik and if you are into travel use it for buying air or train ticket you get points to pay directly bsnl telecom only you can use on swiggy zomato branded shopping mall or if u r into 5 star hotel experience you can use there.

The problem is that my Infinia privides 16.5% cashback on Amazon and gift cards. Sometimes as high as 25% when the gift cards are on sale on Amazon. Amex is barely 1 to 2% at best even on Multiplier vouchers. Hotels are cheaper on Smartbuy and I get 33% cashback and for flights I get 16.5% cashback. Swiggy amd Zomato, I buy voucher on Amazon and get 20% off. So really can't find any avenue for usage.

 

[ARCHISMAN_DAS]

The problem is that my Infinia privides 16.5% cashback on Amazon and gift cards. Sometimes as high as 25% when the gift cards are on sale on Amazon. Amex is barely 1 to 2% at best even on Multiplier vouchers. Hotels are cheaper on Smartbuy and I get 33% cashback and for flights I get 16.5% cashback. Swiggy amd Zomato, I buy voucher on Amazon and get 20% off. So really can't find any avenue for usage.

U should think about it before applying for the card.. now this discussion is not needed as u already took the card...

 

[bing1309]

The problem is that my Infinia privides 16.5% cashback on Amazon and gift cards. Sometimes as high as 25% when the gift cards are on sale on Amazon. Amex is barely 1 to 2% at best even on Multiplier vouchers. Hotels are cheaper on Smartbuy and I get 33% cashback and for flights I get 16.5% cashback. Swiggy amd Zomato, I buy voucher on Amazon and get 20% off. So really can't find any avenue for usage.

Amex is just that take 3 cards and spend in one year, and then discard everything and just use smart earn rewards amex for offers. The maximum benefit is hdfc itself use it properly some cards are just a time waste won't fetch as you needed.
make sure most cards are LTF and enjoy the normal offers you get only 1 use for full benefits like hdfc for travel booking etc.
The devaluation is done to such an extent I find hdfc is best for now (I am sure India came from unrealistic benefits to lower or ok benefits, other countries still stand at unrealistic benefits.)

 

[Lobogris]

U should think about it before applying for the card.. now this discussion is not needed as u already took the card...

I am ok paying the 5k fee even if I don't use it much. It's a relatively small amount. The discussion is about avenues for using it, to learn from more experienced Amex users.