Category Archives: American Express

Amex SmartEarn Credit Card Review

Amex SmartEarn credit card is an entry-level offering from American Express, it comes with low annual fees and low annual spend threshold for fee waiver. This card is primarily targeted towards the masses, who want to own a American Express credit card, but don’t want to pay high annual fees or don’t want to spend a lot using credit cards. Here is everything you need to know about the card.

Redeem 12,000 Amex reward points for 5,310 credit

Amex has introduced a new reward redemption option at 12,000 MR points for a statement credit of INR 5310. Recently, I was having a word with Amex customer care to adjust my 18,000 MR rewards points for a statement credit of 7,500 on my Amex MRCC credit card (Detailed review here and more about the card here) . It was then the executive informed me that they have introduced another slab at 12,000 points. This new option gives statement credit of 5,310. To be sure I got the numbers right, I this time opted for chat feature in the Amex app.  The executive there too confirmed the existence of new slabs and told about the T&Cs.

Best Credit Cards for Lounge access in 2020

Best Credit Cards for Lounge Access

I am usually very excited about air travel, maybe the child in me has not grown up yet :D. Apart from the flight, another exciting part of air travel is the airport lounge, where one can relax and grab something to eat and drink, free of course. :D. Well, to get free airport lounge access one needs to have right credit cards.

Here, I have made a detailed list of most credit cards that provide complimentary lounge access. . The post is divided into 2 parts, part one where I list the credit cards on the basis on free lounge access they provide. The second part is my thoughts on how to select the best credit card for lounge access.

Best super premium credit cards in India

HDFC Bank Infinia Credit Card

Banks offer a bouquet of credit cards suitable for a wide range of audiences, from entry level cards to super premium credit cards. Well, I did write about a few entry-level credit cards here, it’s now turn to look at the other extreme, the best super premium credit cards available in India.

Banks look to make their super premium credit cards an object of desire or a status symbol and as exclusive as possible. They start with making super premium credit cards available only to HNIs or select customers, high annual fee, high spending limit and exclusive or curated offers & experiences. Another common theme across all super premium credit cards is concierge service. While some concierge such as one from the Amex is way ahead of others, but nonetheless all banks will offer one.

Below is the list of top super premium credit cards available in India. I have ranked the credit cards based on reward points accrual based on a set template of annual spend. The template is spread over various categories, details in footnote.

Amex Membership Reward card (Amex MRCC) – Review

American Express Membership Reward card (Amex MRCC) is one card that I recommend everyone should keep in one’s wallet, without fail. Not only this card gives a status symbol of using an Amex card but also the reward rate and features of the card are among the best in class.

About the Amex Membership Reward Card

The Amex Membership Reward card is the twin of Amex Gold Charge card (review coming soon); with nearly all the benefit that the Gold charge card offers but in the form of a credit card and lower fees.

Amex Membership Reward Credit Card

Amex Membership Reward Credit Card

In the Amex portfolio, this would sit in the entry-level card category along with Amex Smart Earn credit card (Review soon). However, at overall level it fits as Lifestyle card suitable for people who have a decent monthly income (~50,000/month).