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What is best Amex card to have?

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nickee007 said:
If you buy using rewards multiplier portal
MRCC > Gold > Plat travel

If you need lounge access and can spend 4L per year
MRCC > Plat travel > Gold
Click to expand...
IMO, Plat Travel gives the best return among the three cards as long as one can spend 4L in a year. MRCC ofcourse is a great card and also has an intangible benefit of unlocking Gold collection, if one is not looking at transferring to Marriott.
 
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shashankrt said:
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.
Click to expand...
That's a great way to look at the benefits. A life beyond rewards. 👍
 
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Why no love for SmartEarn?
I see 2x reward multiplier for both MRCC and SmartEarn, similar max MR points we can get in a year 15k for smartearn and 13k for mrcc.
Am curious, are there any caveats?
 
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vine said:
Why no love for SmartEarn?
I see 2x reward multiplier for both MRCC and SmartEarn, similar max MR points we can get in a year 15k for smartearn and 13k for mrcc.
Am curious, are there any caveats?
Click to expand...
Did you consider bonus MR on 4*1500 and 20k spends per calendar month in case of MRCC?
 
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vine said:
Ah! I see.
Even with the 1500*4 target both cards stay similar. Isn't it?
The other target of 20k basically doubles the MR points.
Click to expand...
I don’t know about smart earn cc, so please compare yourself with MRCC and do let’s know the outcome here.. I just gave you some pointers to look at..
Thanks in advance if you share your analysis…
If not also fine.. have fun
 
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S S V said:
I don’t know about smart earn cc, so please compare yourself with MRCC and do let’s know the outcome here.. I just gave you some pointers to look at..
Thanks in advance if you share your analysis…
If not also fine.. have fun
Click to expand...
Thanks for the pointers!
For me obviously MRCC is better than smartearn because my spends are in that range.
..
If I get Gold charge card, are there any chances of getting mrcc as a companion card?
Which card should I apply first? Gold charge or mrcc? (4L spends for Plat Travel may not be possible for me, we will cross that bridge later)
 
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vine said:
If I get Gold charge card, are there any chances of getting mrcc as a companion card?
Click to expand...
This is history now… I am not sure whether the history repeats in the near future

vine said:
Which card should I apply first? Gold charge or mrcc? (4L spends for Plat Travel may not be possible for me, we will cross that bridge later
Click to expand...

I would say MRCC..

Note: Don’t hesitate to contact me via DM if you need complete guidance on your first Amex application…
God bless you!!
 
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vine said:
Thanks for the pointers!
For me obviously MRCC is better than smartearn because my spends are in that range.
..
If I get Gold charge card, are there any chances of getting mrcc as a companion card?
Which card should I apply first? Gold charge or mrcc? (4L spends for Plat Travel may not be possible for me, we will cross that bridge later)
Click to expand...
Try the MRCC card first as the Referral is still ongoing and you can get it FYF. This can help you know if it is a good fit for your range

+ You will get discounted annual fee as well if you are not meeting the criteria
 
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vine said:
Thanks for the pointers!
For me obviously MRCC is better than smartearn because my spends are in that range.
..
If I get Gold charge card, are there any chances of getting mrcc as a companion card?
Which card should I apply first? Gold charge or mrcc? (4L spends for Plat Travel may not be possible for me, we will cross that bridge later)
Click to expand...
Plat travel approval rate is good. You can go for it now.
 
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Everybody said:
And gold charge?
Click to expand...
Gold charge would be a blessing in disguise if u plan to take plat chg . During upgrade offers normally gold chg don't have to submit personal data and Sal it is straight upgrade but if u get on cc for upgrade then they will send a link to update income and should be 25lkhs and above. This i read through their TNC.
 
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vine said:
Why no love for SmartEarn?
I see 2x reward multiplier for both MRCC and SmartEarn, similar max MR points we can get in a year 15k for smartearn and 13k for mrcc.
Am curious, are there any caveats?
Click to expand...
It is not abt love or not for smart. It is also a good card for online spends and for people who can't get their hands on mrcc plat travel gold chg due to income criteria smart earn is the entry to amex world. I would suggest people also to try smart earn if they are not getting others as income criteria is 4lkhs in this category many will fall. I had one it is good on and if one spends 40k a year fee waived off.
 
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ALOAK said:
It is not abt love or not for smart. It is also a good card for online spends and for people who can't get their hands on mrcc plat travel gold chg due to income criteria smart earn is the entry to amex world. I would suggest people also to try smart earn if they are not getting others as income criteria is 4lkhs in this category many will fall. I had one it is good on and if one spends 40k a year fee waived off.
Click to expand...
Both mrcc and smart earn look very similar.
Apart from Bonus monthly milestones, are there any difference between Mrcc and Smart Earn?
 
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Smart earn has cap on monthly points u can earn.if you spend 40k fee waived off 495plus tax.
Rs. 500 cashback as a Welcome Gift in form of statement credit on eligible spends1 of Rs. 10,000 in the first 90 days of Cardmembership
Earn vouchers worth ₹500 upon reaching the spend milestones of ₹1.20 lacs, ₹1.80 lacs, and ₹2.40 lacs respectively in a Cardmembership year.
10X Membership Rewards®
Transact on Zomato, Ajio, Nykaa, BookMyShow, Uber and many more and get 10X rewards for every Rs. 50 spent
5X Membership Rewards®
Transact on Amazon and Paytm Wallet and get 5X rewards for every Rs. 50 spent

Earn 1 Membership Rewards Point for every Rs. 50 spent except for spends on Fuel, Insurance, Utilites, Cash Transactions and EMI conversion at Point of Sale4.
Did you know you can earn up to 1,250 Membership Rewards points on the SmartEarn Credit Card every month by spending only INR 7,500?

So now, spend more and enjoy accelerated benefits with your American Express SmartEarn Credit Card:
  • On Spending INR 2500 in a month on our 10X Partner (Zomato), you will earn 500 Membership Rewards points
  • On Spending INR 2500 in a month on our 10X Partner (BookMyShow, Flipkart, Uber and other partners), you will earn 500 Membership Rewards points
  • On Spending INR 2500 in a month on our 5X Partner (Amazon and Paytm Wallet), you will earn 250 Membership Rewards points
 
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