Simplified Marriott/Hilton USA Credit Card Strategy for Minimal Spend and Maximum Rewards

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End Game Strategy:

Hilton:

• 3 free nights: No redemption capping, usable at any Hilton property worldwide.
• Highest Diamond status: Enjoy perks like complimentary breakfast, room upgrades, and executive lounge access.
• Zero net cost: Strategically offset annual fees and other costs with rewards and benefits.
• Key Cards: 3 Amex Hilton Aspire cards.

Marriott:

• 3/4 free nights: Certificates worth 15k, 35k, 35k, and 40k points annually.
• Platinum/Titanium status: Enjoy benefits like late checkout, room upgrades, free breakfast, welcome gifts, and lounge access.
• Only 22k INR credit card fees from year 2: Achieve these benefits with a very manageable fees requirement.
• Key Cards: HDFC Marriott card, Amex Bonvoy Brilliant (downgraded to Amex Bonvoy card), and Amex Bonvoy Business card.

Key Points:

• Minimal spending required: Focus on maximizing rewards with low annual spending.
• No Chase bank relationship: Simplifies the process and opens it to a wider audience.
• Lower annual fees: Maintain a cost-effective strategy without hefty fees.

Why This Strategy Works:

• By carefully selecting and using the right USA Amex credit cards, you can maximize your travel rewards and enjoy premium hotel stays without breaking the bank.
• This approach leverages the strengths of Hilton and Marriott loyalty programs to deliver significant value.

ITIN Assistance:

• An ITIN (Individual Taxpayer Identification Number) is required to apply for USA credit cards, but no visa is needed.
• I can help you apply for an ITIN at a minimal cost of ₹1,000 plus courier charges, saving you around ₹15,000 compared to other consultants.

Interested in the Details?

• I've prepared a comprehensive breakdown of the year-by-year costs and benefits, showing exactly how to achieve these rewards.
• If you're curious about the specifics and want to optimize your credit card strategy, feel free to DM me for more information!