Recent content by nigameash

Should be for the full stay. Also can you pick the toggle that says include all fees & taxes on the $163 rate? That’ll tell you how much you’d actually pay if using cash.

Having been on all 3 programs, none of them offer anything worthwhile. Find a good banker and move banks with him/her.

No visa for Indians, they just look at passport and let you through. Nothing to fill up and nothing to be done pre-arrival in Thailand.

You can get 1 INR/point if you plan it properly, especially at properties outside India. If you can do 5 consecutive nights at the same property with Marriott, you only end up paying for 4 nights. Here's a quick example - 1231104 JPY (6.58L) vs 392k points + 5300 INR

Considering how many spam calls I get for HDFC credit cards, why is it such a challenge to find good HDFC agents?

With the 30% bonus on Marriott transfers that Amex has been running for the past couple of years, you should get over 1.755L points if you transfer to MB during that promo period. A couple of nights at Mandapa (a Ritz-Carlton Reserve property) normally costs about 36.3M IDR (1.92L) - You can...

I’ve tried this and your friend can give you a supplementary card. Amex doesn’t care who the supplementary card goes to as long as KYC is done and address of supplementary holder is in Amex’s serviceable area.

Epicure is the only physical card, rest all upgrades are online. This is more of a choice by the respective programs as most loyalty programs have stopped sending out physical cards.

What is the verdict on this? What is the best service/agent?

Where do you see the per year messaging? Did support confirm? Timeframe is not mentioned there - https://www.americanexpress.com/in/customer-service/faq.what-if-i-like-a-reward-and-do-not-have-enough-points.html

It's not 90 days but 3 statement cycles based on the example in any of the statements. So for the first 3 statements I only paid the min amount. In the 4th statement, cleared off the entire amount. No charges/interest were levied to my account/statement.

Yep, that would be perfect. 100 points is minimum on Amex for transfer and the transfer comes through very quickly. Be sure to verify the "valid until" date under the total points screen on the app to confirm the expiry got pushed forward after the transfer comes through.

Yep, any stay or redemption will work - expiry gets pushed forward by 2 years if I'm not mistaken 4 + 1 is standard across all properties anywhere in the world Best redemption even if you can't do the 4 + 1 is to book a luxury stay outside India as you can find some really sweet deals Here...

Just add a qualifying activity (earn/redeem) to account and the expiry will get pushed forward. Best redemptions are when you plan 5 consecutive nights at the same property for the 5th free night.