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MRCC vs Regalia Gold

kaykayporty

TF Select
I've had the AMEX MRCC for about 6 months now. The thing is I also have the Plat Travel and I hate the monthly nonsense I have to do with Gift cards for the MRCC.

I much rather prefer the yearly milestone with the Plat Travel.

I also have a LTF Regalia. I'm wondering if it is worth upgrading to FYF Regalia Gold.

My yearly expenses would around 7 lakhs on combined on credit cards. My only comparison would be value derived from these cards - nothing else.

---

GYFTR is quite a hassle with multiple minimum INR 1500 transactions and then the 20K milestone as well.

The milestone for Plat Travel is 4L in a year. I gotta pay the fees anyway. Might as well get amazing AMEX points.
70%
I'm obviously going to cross the fees threshold for the MRCC, but not sure if I'll be able to for the Regalia Gold.

Who's points are more worth it? Assuming 70% value for Amex points and Smartbuy redemption for Regalia Gold.
 
I've had the AMEX MRCC for about 6 months now. The thing is I also have the Plat Travel and I hate the monthly nonsense I have to do with Gift cards for the MRCC.

I much rather prefer the yearly milestone with the Plat Travel.

I also have a LTF Regalia. I'm wondering if it is worth upgrading to FYF Regalia Gold.

My yearly expenses would around 7 lakhs on combined on credit cards. My only comparison would be value derived from these cards - nothing else.

---

GYFTR is quite a hassle with multiple minimum INR 1500 transactions and then the 20K milestone as well.

The milestone for Plat Travel is 4L in a year. I gotta pay the fees anyway. Might as well get amazing AMEX points.
70%
I'm obviously going to cross the fees threshold for the MRCC, but not sure if I'll be able to for the Regalia Gold.

Who's points are more worth it? Assuming 70% value for Amex points and Smartbuy redemption for Regalia Gold.


Regalia Gold w/ Atlas: https://www.technofino.in/community/threads/axis-atlas-vs-hdfc-regalia-gold-vs-axis-horizon.26500/
MRCC w/ Plat Travel: https://www.technofino.in/community...ex-gold-vs-amex-travel-vs-amex-reserve.30606/

Before all that, a little help to choose credit card based on spend categories: https://www.technofino.in/community/threads/guide-to-suggest-a-credit-card-basic-requirements.32560/
 
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