Amex Trifecta - Optimal Usage Guide

[Subhankar]

Sometimes back I wrote a handwritten note on how to maximise the utilisation of AMEX Trifecta and shared over Twitter, so here's the guide. Hope it helps

The Cards used here are the followings:

1. AMEX Membership Rewards Credit Card
2. AMEX Platinum Travel Credit Card
3. AMEX Gold Charge Card

As per the talks, AMEX ban is suppose to get lifted "soon enough", this guide may help you to make your choice on with which card you'd like to go for and how to maximise the MR points accumulation without breaking the bank


A huge chunk of contribution of it came from Sujit Kumar Hota ( @Skh27 ) and if you want maximise the use of MR points into airmiles, you can check this compact guide by Tejas Ghongadi ( @Tejas ) : AMEX MR Points' Utilisation in Airmiles






Apply For An Amex Credit Card - Click Here

 

[bhavyegoel]

How should I deal with trifecta when I have magnus, should I stop using the trifecta if I can spend 1L on magnus?

@TechnoFino
@Subhankar
@bhavyegoel

If you can do 1L on magnus. Dont get a trifecta.

 

[sxchzy]

The 40k MR points received on spending 4 lacs in a year on platinum travel can it only be used to redeem flipkart vouchers or can it be transffered to any other frequent flyer partner?

 

[kohliS]

The 40k MR points received on spending 4 lacs in a year on platinum travel can it only be used to redeem flipkart vouchers or can it be transffered to any other frequent flyer partner?

Can be transferred

 

[Operation9343]

After magnus, is it a good time to start using this again?

Edit: Confused between this and shifting all spends to DCB

 

[Hisoka]

Does AMEX Platinum travel consider rent payment via red giraffe for 1.9L and 4L milestone?

 

[Walter White]

Does AMEX Platinum travel consider rent payment via red giraffe for 1.9L and 4L milestone?

RG doesn't accept Amex

 

[Hisoka]

RG doesn't accept Amex

Any other cheaper way to make rent payments via AMEX? I upgraded to Plat Travel from MRCC and it has even started showing in the app

 

[Akashgore10]

You can try cred..but the charges are high

Any other cheaper way to make rent payments via AMEX? I upgraded to Plat Travel from MRCC and it has even started showing in the app

 

[Hisoka]

You can try cred..but the charges are high

Can we pay heavy utility bills through AMEX without getting our card blacklisted and still getting rewards and milestone benefits?

 

[Akashgore10]

Can we pay heavy utility bills through AMEX without getting our card blacklisted and still getting rewards and milestone benefits?

Amex doesnt give reward points for utility txns. So it will be counted only for milestone spends

 

[vinrey287]

Has anyone upgraded from Smartearn to MRCC or any other card?

 

[VaporWarrior]

Has anyone upgraded from Smartearn to MRCC or any other card?

Amex doesnt easily offer upgrade. They will ask you to make a fresh application. But Good thing would be that SmartEarn would be free as long as you pay or qualify for waiver of MRCC.

I would suggest to get at least MRCC and Gold charge to get good number of points with minimal spends. Smart earn has only one benefit that it can give you 500 points a month for Rs 2500 transaction. Nothing beyond that

 

[vinrey287]

Amex doesnt easily offer upgrade. They will ask you to make a fresh application. But Good thing would be that SmartEarn would be free as long as you pay or qualify for waiver of MRCC.

I would suggest to get at least MRCC and Gold charge to get good number of points with minimal spends. Smart earn has only one benefit that it can give you 500 points a month for Rs 2500 transaction. Nothing beyond that

I have Gold and PT.. Smartearn was a mistake, should have got MRCC in first place.

 

[VaporWarrior]

I have Gold and PT.. Smartearn was a mistake, should have got MRCC in first place.

Haha, we are both missing the final card in trifecta. I'm thinking of closing my SmartEarn and getting Platinum travel

 

[Mars_rover]

Can we get fee waivers by calling customer care for plat or gold card?
How much spends are required if so?

 

[vinrey287]

Haha, we are both missing the final card in trifecta. I'm thinking of closing my SmartEarn and getting Platinum travel

I'm also thinking the same. But worried if mrcc doesn't gets approved.. Also referrals are not there.. So not the right time

 

[rohitnsync]

If you had an Infinia on one hand and MRCC + Gold on the other, which one would you use to accumulate points?
While Infinia's points can be used 1:1 for Apple purchases, but then Apple products are expensive to begin with. On the other hand, this Amex combination can fetch a similar amount of MR points "but" faster and is 1:1 for Marriott. Dilemma!

 

[rohitnsync]

Personal opinion:

- MRCC + Gold need 20k+6k = 26k monthly purchases.
- Infinia is not for 26k monthly purchases or under 3L per year.

Clarification: I believe there are 2 individual milestones for MRCC correct? Or do we need to spend ₹20000 in order to earn 2000 bonus MR points together? I believe we can spend ₹6000 and earn 1000 Bonus MR points too. Correct?

 

[helloworld]

Clarification: I believe there are 2 individual milestones for MRCC correct? Or do we need to spend ₹20000 in order to earn 2000 bonus MR points together? I believe we can spend ₹6000 and earn 1000 Bonus MR points too. Correct?

20K MRCC (4x1500+14K) + 6K Gold (6x1000) = 26K/Month which is not the suggested spends on Infinia.

 

[rohitnsync]

20K MRCC (4x1500+14K) + 6K Gold (6x1000) = 26K/Month which is not the suggested spends on Infinia.

I believe you are wrong with your MRCC milestone understanding. I just checked the website and confirmed with the customer care. There are 2 individual milestones as opposed to only 1