Magnus Gone! New Credit Card Strategy For 2023 

Thank you!

He might have gotten MRCC with his plat travel for free and that's a possibility because amex does offer it sometimes. So as long as you're paying for plat travel, your MRCC will be free.

There is a 500 voucher too

great

Amex platinum travel ? americanexpress.com/en-in/referral/nEHAJ5tuo?XL=MIANS

For spends above 25 lakh per anum magnus burgundy is undoubtedly the best card. But if your spends are on utility,government,wallet then you can go atlas or idfc first wealth

Overall Reward rate is better in atlas unless you are able to max out the 5x reward on infinia each month. I would keep infinia and get atlas too

@@dugarniraj Thanks Niraj! I hit 12,000 monthly points leveraging 5x/10x GYFTR + smartbuy on an average. Follow up question - Which card's annual spend milestone would you rather not mind missing out hitting - Axis Atlas or Infinia?

Hello I have Sbi shaurya select icici parakram select , what would you recommend anything else ,spending under 5L annually?

Sir I don’t know how to revolve credit 🙏

Not really. Amex gold charge card gives 5x on amazon pay vouchers. Buy that and pay insurance

@@dugarniraj good suggestion but Amazon pay voucher is limited to 20k per month. If one has to pay higher premium I feel there amazon pay voucher won't work

If you have to pay the renewal, yes

@@dugarniraj Thanks. One last question: I've already paid the joining fee. Will I be asked to pay the annual fee separately before closing the account? I was lucky enough to accumulate 25k edge rewards points as milestone benefits three times. Last one being August😂

This also depends on your points requirements. The biggest advantage of infinia points is that you can use it on smartbuy for domestic flights like indigo o

@@dugarniraj: Adding to the above discussion, are you able to combine the MR points from Amex plat travel card and amex mrcc card for redemptions ?

yes - I can transfer to a single account like Bonvoy

Search for American express gyftr and look for amazon vouchers

I get every month

its free with platinum charge card

Platinum charge is itself 60k plus gst annually

yes applicable

Both basic reward points & milestone rewards will be given?

​@@yeshwanthphill1058yes same question?

Check my new video that I released. You can then decide yourself.

If you travel international then atlas else vistara

I dont have membership :)

@@dugarniraj Oh Ok

Atlas gives on 15 lakhs spend. You can spend anywhere. Infinia 5x is at specific places with a cap

Hardwork Airlines 😂

around 50k I think. no life time free cards.

Visa?

@@dugarniraj Visa or Mastercard. Basically it will be used when AMEX is not accepted or meaningful annual spend is exhausted. Probably the annual spend will be 4-6L. I'm specifically interested in discounts, dining and hotel (marriott), domestic flight (I use like twice a year with family) benefits. Movies, lounge, golf are not a concern. Domestic use only. I guess I said a lot :) Airport meet concierge will be good to have. I can take a paid card as long as it gives me benefits to cover its cost annually.

:)

I feel I like Infinia but HDFC does not approve me.

Atlas m?

If you have the capacity to deal with axis, sure

@@dugarniraj hopefully yes. 🤞

@@dugarniraj Can you make a video on why you said so? Whats wrong with AXIS? I'm planning to switch to Axis soon, so curious to know.

5 miles per 100

Also 1 edge mile equals 2 partner miles except Marriott

@@ShantanuRoy233 ya, Atlas gives 5% miles on hotels/flights and as you transfer them 1:2 ratio. It’s 10% in this case. Also, if you transfer them to ITC and then redeem for ITH vouchers (Physical). You can use ITH vouchers for flight booking and cab rentals. I tried this in Hyd. It works well. VFM.

I know. 10% miles / points will not lead to 10% monetary benefit. always have a range guys.

18% on Accor?

don't think so

How? On salary basis? Card to card? Or against FD? Or upgrade?

​@@hardikmalpani4444 I hve normal savings account & FD with HDFC for a long time

How you git it bro

wow amazing!

@@dugarniraj I have got the new card but still 5:4 points transfer is not showing .

People spending 5L on credit cards watch in English

Nhi, English hi rehne do.