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LTF Amex card

MRCC is almost free.
You are getting it free for 1st year.
Spend 1.5L in the first year to get 100% annual fee waived. Or, 50% waived if spent 90K instead of 1.5L.

If you are not even spending 1.5L, then AMEX is not meant for you. Look elsewhere.

Moreover, we tend to ignore using the LTF cards after we get them. I have 4 cards which are LTF. Unless there is something bigger benefit beyond LTF, I ignore using them.
 
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