What is best Amex card to have?

[hockey]

What is best Amex card to have?

 

[shutapdiya]

Amex will hit your cibil for every every new card you apply.

Not true my friend

My platinum travel got approved without any CIBIL hit
P.s. at the time of this application, my mrcc was 4 years old

 

[anirban.choudhuryanirban.choudhury is verified member.]

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?

25+ annual spends calls for Burgundy Magnus

 

[DevD]

Not true my friend

My platinum travel got approved without any CIBIL hit
P.s. at the time of this application, my mrcc was 4 years old

This is only applicable if you hold amex card. I was talking about new customer acquisition.

 

[DevD]

25+ annual spends calls for Burgundy Magnus

Burgundy magnus is also good options if spends are not in magnus exclusion categories.

 

[hockey]

Thanks everyone for the replies. So can we apply for all 3 cards using same referral link?
Also as per today, which is better? Trifecta or Platinum charge?

 

[anirban.choudhuryanirban.choudhury is verified member.]

Thanks everyone for the replies. So can we apply for all 3 cards using same referral link?
Also as per today, which is better? Trifecta or Platinum charge?

Trifecta
Plat charge is a lifestyle card and is not rewarding

 

[coolguy1]

Thanks everyone for the replies. So can we apply for all 3 cards using same referral link?
Also as per today, which is better? Trifecta or Platinum charge?

Trifecta - for maximum points.
Platinum Charge - for maximum showoff and comfort.

 

[ALOAK]

Thanks everyone for the replies. So can we apply for all 3 cards using same referral link?
Also as per today, which is better? Trifecta or Platinum charge?

Get platinum charge

 

[DevD]

Thanks everyone for the replies. So can we apply for all 3 cards using same referral link?
Also as per today, which is better? Trifecta or Platinum charge?

You can go for trifecta.. after few months of use if you think amex acceptance issue is not an issue for your spends then you can take plat charge later.

 

[shashankrt]

Trifecta - for maximum points.
Platinum Charge - for maximum showoff and comfort.

Who says Plat is for show off? If you are international traveller or even travel once a year with family internationally, you will know the benefits.

My wife was stuck at Mumbai airport with our 3 yrs old son (flight delayed by over 4 hours thanks to crappy air india). Both of them spent 4 hrs with multiple entries at Amex centurion lounge.

Similarly spent entire layover of 4 hrs at Bangkok 1st class lounge on our way to Koh Samui (son was 2 yrs old).

Recently got access to unlisted lounge at Oslo when I was stuck with 5 hrs layover.

I would suggest replacing gold charge with Plat charge if someone gets the welcome offer and is ok with paying yearly fee. (for 1st year fee is definitely paid off via vouchers / reward points). And yes I agree Plat charge is not rewarding at all and can be pain to justify if you don't use its benefits.

 

[shashankrt]

You can go for trifecta.. after few months of use if you think amex acceptance issue is not an issue for your spends then you can take plat charge later.

Yep this can also be a good option. However ensure your 1st card is either MRCC or Gold even if you are planning to take plat charge.

 

[coolguy1]

Who says Plat is for show off? If you are international traveller or even travel once a year with family internationally, you will know the benefits.

My wife was stuck at Mumbai airport with our 3 yrs old son (flight delayed by over 4 hours thanks to crappy air india). Both of them spent 4 hrs with multiple entries at Amex centurion lounge.

Similarly spent entire layover of 4 hrs at Bangkok 1st class lounge on our way to Koh Samui (son was 2 yrs old).

Recently got access to unlisted lounge at Oslo when I was stuck with 5 hrs layover.

I would suggest replacing gold charge with Plat charge if someone gets the welcome offer and is ok with paying yearly fee. (for 1st year fee is definitely paid off via vouchers / reward points). And yes I agree Plat charge is not rewarding at all and can be pain to justify if you don't use its benefits.

Indeed, as I said it's a great showoff with great comfort.

The benefits you mentioned are great luxury and comfort when travelling abroad, their concierge is top notch and a lot of other benefits that will make sense for avid travellers, business folks or celebs with specific requests.

 

[kushhh]

Amex will hit your cibil for every every new card you apply. But there will be no kyc if your last kyc with amex is done within last 30 days.

I think it has changed, I had to do kyc again , when I applied second card within 30 days time + got a cibil enquiry

 

[SoNIK]

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?

With that kind of spends you should explore other cards or co branded cards well...

1. Amex Trifecta
2. Add amex platinum charge if you can get atleast one international trip a year and one Taj vacation a year.

3. Axis club vistara infinite (for business class vouchers of vistara airlines), signature club card (for premium economy)
4. Axis Reserve credit card

Amex with Axis will give you good rewards for your spends and with amount of spends you mentioned you might get good retention offers and renewal waiver.

 

[Everybody]

Which are the best cards from the following,

1. Gold charge
2. MRCC
3. Plat Travel

 

[shutapdiya]

Which are the best cards from the following,

1. Gold charge
2. MRCC
3. Plat Travel

Depends on your spend

Plat. travel if you can spend 4 Lac yearly

MRCC if 20k monthly

both if you can spend on both

DM me if planning to apply for referral and some perks

 

[Everybody]

Depends on your spend

Plat. travel if you can spend 4 Lac

MRCC if 20k monthly

DM me if planning to apply for referral and some perks

And gold charge?

 

[shutapdiya]

And gold charge?

1k txn 6 times a month

no significant RPs from medium to big spends unless used reward multiplier (that is also hit and miss many times)

hence not recommended

 

[kushhh]

And gold charge?

For spends of 72k in a year , more beneficial when buying gift vouchers through their reward portal

 

[aceventura]

For spends of 72k in a year , more beneficial when buying gift vouchers through their reward portal

at more than 4K annual fee, returns are very less on this card.