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What is best Amex card to have?
- Thread starter hockey
- Start date
vishals
TF Buzz
There is no one best Amex or any CC , depends on your lifestyle and spend patterns.
Depends on spends..
If your spends are about 1.5L pa then MRCC
If your spends are about 4L pa then Plat Travel..
For MRCC , applying under referral gives you the best value as not only FYF, renewal fee is 1.5 k instead of 4.5k..
For plat travel also referral gives you FYF
Thanks for the replies.
My annual spends will be 25L+ . So i guess Platinum Travel is the way to go. Or Platinum Card will be better?
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With that amount of spend you should get platinum travel + mrcc + gold charge
Platinum is a charge card, which is high end and more of a life style card..with 60+ GST annual fee.
Platinum Travel is a mid range card which gives good rewards for 4L annual spends
moonsmart
TF Premier
If you'll be doing travel spends then also consider Axis Atlas along with Amex Trifecta (MRCC+Gold+Plat Travel)
HDFC Infinia would also be good card to have if you have existing relationship with them and get cards like DCB with high limit which can be later upgraded to Infinia.
Platinum charge would be good only if you have that type of use-case, although it comes with a hefty annual fees. Might need a little bit of research to figure if it fits your usage.
Travel Card gives you the maximum returns till 4L.
You get 40k Amex points and a 10k Taj voucher on hitting the 4L annual milestone.
Platinum Charge card comes at ~60K fees and gets you a 45k Taj voucher or ~100k Amex points(best redeemed at 100k Marriott Bonvot points).
If you stay in luxury hotels or need a concierge to get tickets that are hard to get then a Platinum charge could be a good idea.
If you need a no-bullshit card that you can swipe at fancy places without thinking twice, then Platinum charge is a good idea.
If you want to brag about having one of the best cards in India, then Platinum Charge is the fricking best idea.
But if you want maximum benefits and pay the lowest annual fees, get three Amex cards:
1. Amex Travel Platinum - spend around 4L and then forget it.
2. Amex Gold Card - Use these to buy vouchers for places where you wanna spend money - get 5x points.
3. Amex MRCC - Divide your expenses and spend around 20K per month on this to maximise reward points.
Do note that the Platinum charge comes with premium hotel memberships, Golf access and other fancy features that you will be missing out on by opting for the Amex trifecta(three cards mentioned above) instead of the Platinum charge.
Depending on your lifestyle, spending habits and spending locations - either of the choices would be great.
If you would like to apply for any of them, you can click on the link below and tap other cards to see the entire list of cards.
The first year is free for all three in the latter and you'll get some extra bonus points as well.
And if you have any other queries, you can DM me too! 🙂
For such high spends take combination of plat travel + mrcc or plat travel + gold or all 3 can be taken. Mrcc has lower renewal fees compared to gold but gold has 5x on reward multiplier compared to 2x for mrcc. In both u get 1000 bonus points every month for spending 6k.. do use my referral if my posts help you.. thanks
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@Dhruvit.S kindly look into this
My man on a mission. Good one though
shashankrt
TF Ace
well in that case MRCC + Plat Travel + Plat charge (if you are ok with high fees and can use the benefits it offers)
shashankrt
TF Ace
well with the current attitude towards renewals of Plat charge - I dont see Amex surviving. They cannot even offer same benefits as that of internation plat charge and expect us to pay yearly fee.
If your spends are online then use plat travel for first 4L spends and spends can be done via vouchers then purchase vouchers from reward multipliers thus you can get 3X and 5X points. And for rest of the spends you can use hdfc infinia, DCB or axis reserve. You can also consider cashback cards if the spend category are eligible for cashback.
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