Gold charge, approved and delivered 2-3 days ago, has 11 months and 26 days left. For M2M, pay 1180, earn 18k MR Points on a 72k spend. Planning to negotiate, as Dad's 9-year-old Gold spent 1 lakh last year, paid 5310, and got 10K MR Points. Won't continue if Amex offers 3 options of 10k MR points for a 5310 fee. 5310 against 18k MR points equals a 7k Amazon Voucher, not worthwhile. I'll cancel Gold.