MRCC vs Gold Charge

[Rajat Nigam]

Which card is better between Amex MRCC and Gold Charge card (or any other Amex card) ?

The card which I mainly use are -
1. Axis Ace (for bill payments upto ₹10K and other offline uses)
2. SBI Cashback (strictly for online use)
3. SBI BPCL (for fuel)
4. RBL Valueplus supercard (for fuel upto ₹2500 p.m)

Major MONTHLY spends are -
1. Electricity bill payments of ~₹20000 per month (pm)
2. Offline spends of ₹25000 pm
3. Fuel spends of around ₹6000 pm
4. Online spends of around ₹7000 pm

I would prefer reward redemption in Amazon Pay vouchers rather than a luxurious hotel stay.

 

[SSV]

There is no option to pay for HDFC ergo health insurance through Amazon pay.

okay, if it is available.. you can buy APAY GV with MRCC in RM and use that APAY balance to pay for HDFC ergo..
in this case, you are saying you don't have that option.. then you can't follow the above approach..
There should be a way .. as I don't have HDFC Ergo so I can't tell you

 

[Deleted member 9785]

Which card is better between Amex MRCC and Gold Charge card (or any other Amex card) ?

The card which I mainly use are -
1. Axis Ace (for bill payments upto ₹10K and other offline uses)
2. SBI Cashback (strictly for online use)
3. SBI BPCL (for fuel)
4. RBL Valueplus supercard (for fuel upto ₹2500 p.m)

Major MONTHLY spends are -
1. Electricity bill payments of ~₹20000 per month (pm)
2. Offline spends of ₹25000 pm
3. Fuel spends of around ₹6000 pm
4. Online spends of around ₹7000 pm

I would prefer reward redemption in Amazon Pay vouchers rather than a luxurious hotel stay.

is amex gold working in mobiwik wallet money add?

 

[SSV]

Wallet load works .
Rent- won't work -
tried with MRCC and Pat Travel..
Not sure about Gold

 

[CVR]

Wallet load works .
Rent- won't work -
tried with MRCC and Pat Travel..
Not sure about Gold

Can we load wallet in mobikwik using amex and use the wallet to pay cc bill like we used to in paytm.. now with paytm effectively getting shut looking for alternatives

 

[SSV]

Can we load wallet in mobikwik using amex a

Yes..

d use the wallet to pay cc bill like we used to in paytm

No..

now with paytm effectively getting shut looking for alternatives

I don't think it happens... wait and see
Only PPBL will be shutdown.
Wallet and UPI services will be back

 

[CVR]

Yes..

No..

I don't think it happens... wait and see
Only PPBL will be shutdown.
Wallet and UPI services will be back

Wallet is linked to ppbl.. upi services can be done like google pay

 

[CVR]

Yes..

No..

I don't think it happens... wait and see
Only PPBL will be shutdown.
Wallet and UPI services will be back

So what do to with wallet money if not for paying cc bill?

 

[SSV]

Wallet is linked to ppbl.. upi services can be done like google pay

They will delink with PPBL..
that is what they are talking about in their press release.. they are working with third party Bankers ..

 

[SSV]

So what do to with wallet money if not for paying cc bill?

you can pay anywhere where they accept MK wallet and also transfer to any bank account.

 

[CVR]

They will delink with PPBL..
that is what they are talking about in their press release.. they are working with third party Bankers ..

Ya i know.. but let them first associate with other banks

 

[SSV]

Ya i know.. but let them first associate with other banks

They will. its no big deal..
what they were used to do before PPBL??
PPBL came only recently

 

[CVR]

They will. its no big deal..
what they were used to do before PPBL??
PPBL came only recently

PPBL was always there

 

[SSV]

PPBL was always there

What I meant was: PPBL with Banking license as a scheduled Bank..

 

[CVR]

What I meant was: PPBL with Banking license as a scheduled Bank..

PPBL is payments bank like Airtel Payments bank. It is not a Small Finance Bank (SFB) like AU, Equitas etc or a scheduled bank like Axis ICICI etc

 

[SSV]

What I meant was: PPBL with Banking license as a scheduled Bank..

PPBL is payments bank like Airtel Payments bank. It is not a Small Finance Bank (SFB) like AU, Equitas etc or a scheduled bank like Axis ICICI etc

 

[CVR]

Yaar uske naam me hi “payments bank” likha hai. Anyways lets agree to disagree.

 

[Kshokar]

If you've HDFC ergo insurance, Amex is not accepted 🙁 I'm not sure how many insurance company don't accept Amex.
I thought only offline acceptability can be an issue while applying for Amex, but unfortunately online acceptability is also an issue with Amex cards.

Hence, I'm planning to close Amex MRCC as like you I considered only A-pay vouchers for redemption from 18k gold collection.

PS : they should bring the statement credit back for redemption, any thoughts folks?

Agree. Credit statement was great.