American Express MRCC vs American Express Gold Credit Cards? Who's the real winner?

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Amex MRCC vs Amex Gold is one hot topic in the Indina credit card world. It can be a bit confusing to choose one that's right for you. Watch the entire video today by Card Academy to make the right choice.

[@amitabhmaheshwari]

There is one more difference. If MRCC is taken through referral link, the joining fee is nil and annual fee is just ₹ 1500. In case of gold card the annual fee remains at ₹ 4500 even if taken through referral.

[@CardAcademy]

That's a good point.

[@thippanayugesh8414]

Can you share the referral link here? The one I used had 2000 rupees joining fee.

[@amitabhmaheshwari]

@@thippanayugesh8414 It must have been 2000 bonus points and not ₹ 2000 joining fee. The joining fee for both MRCC and gold card is ₹ 1000 plus GST. You also get 4000 points after realisation of the fee and spending some minimum amount. On referral you sometimes get 2000 reward points extra.

[@thippanayugesh8414]

@@amitabhmaheshwari Cool. Can you share the referral link as you already have the card?

[@atulpandey6500]

Mrcc is also offered ltf at times. I have it ltf from 5 years

[@amitabhmaheshwari]

Another difference - Gold is a treat to look at

[@CardAcademy]

Haha. Probably one of the best looking cards in India.

[@sabyasachihasan]

Gold card also looks like metal card 🤣

[@amitabhmaheshwari]

@@sabyasachihasan Yes, but in India it is not metal

[@TiVoGlObE]

Nahhh, au Zenith line of cards look better

[@kashishgupta3706]

Very detailed comparison video. I have the Amex MRCC and it has good benefits especially with renewal fee waiver.

[@amitabhmaheshwari]

The welcome kit I got with gold charge card says among other things that I will get 5000 RPs on first renewal on payment of renewal fee.

[@amitabhmaheshwari]

I have a peculiar observation on Amex cards. The cards which have good spend based benefits like Amex gold, MRCC, smart earn, platinum travel etc don’t have good non spend based benefits. Their premium cards like plat charge and reserve have good non spend based benefits but their reward rates are poor. Moreover, acceptability is always an issue with Amex. I think they can never compete, even in the premium segment with Indian banks like HDFC and axis, in India. They need to work out something different.

[@sabyasachihasan]

I agree with you sir. Join our Twitter community where we discuss all these things related to credit card & also there are live Twitter space each week where we discuss in live audio

[@KiranAlokkan]

It's unfortunate they don't give MR points for insurance payment through AMEX Card. I recently paid my car insurance through my Canadian AMEX Cobalt Card which gave me a ton of MR points. If only Indian AMEX has similar benefits compared TO Canadian/ American AMEX.

[@amitabhmaheshwari]

As far as gold card is concerned, US version is a lot better but way more expensive too. As against the annual fee of ₹ 4500, US version carries a fee of USD 250

[@CardAcademy]

US version of Amex cards in general are better than their Indian counterparts.

[@amitabhmaheshwari]

@@CardAcademy This will not change till we keep accepting this nonsense. In my view Amex shouldn’t be patronised by Indians till they remove this anomaly. This is all the more glaring in case of platinum charge card, wherein they charge the same as they do in case of US version but shortchange the Indian card members

[@Bauer787i]

Dubai Platinum is 1000 % better than the indian one. You get more points

[@saurabhN1393]

Axis bank has changed credit cards terms and conditions. Please make a video on that.

[@amitabhmaheshwari]

These cards have become less lucrative after wallet uploads using credit cards have started to carry hefty charges.

[@armageddon9241]

You can load paytm wallet through Uber without any additional charges.

[@amitabhmaheshwari]

@@armageddon9241 Only up to ₹ 4000 in a month, with Uber, zomato, etc all taken together.

[@pranjalgupta5991]

@@armageddon9241 how can u explain pls

[@okkhizar2733]

Happy Married Life Madam 🎉

[@expertcareer1782]

Shaadi iski ni pahle Wale Ki Ho Gai Hai Mein gaya tha shaadi mein🤣

[@gr0wnup5]

In his dreams 😂😂

[@okkhizar2733]

@@gr0wnup5 LoL 😂

[@AminFateh]

I have an AmEx Gold Charge card and a Kotak White Credit Card; which one should I use more for additional benefits? I am more into free domestic and international Airport lounges.

[@atulpandey6500]

Amex is not meant for lounge access unless you go into platinum reserve card. Get a dinners card for lounge

[@armageddon9241]

Hi. Could you please tell if the $100 hotel credit on the AMEX Gold is per year or per hotel stay?

[@amitabhmaheshwari]

Per hotel stay for a certain minimum duration

[@armageddon9241]

@@amitabhmaheshwari Thank you Amitabh ji.

[@प्रकाश_रावत]

Minimum 2 night for hotel collection, 1 night for FHR

[@amitabhmaheshwari]

There is an experiences app for holders of centurion, platinum and gold charge cards and platinum reserve credit card.

[@CardAcademy]

But that app is largely for Platinum and Centurion cardholders.

[@amitabhmaheshwari]

@@CardAcademy Gold and platinum reserve cards also. You can select any of the three charge cards and plat reserve credit card and the app will show the offers on them

[@AshutoshSingh-gw6qt]

How can I enrol for about 20,000 spend in American express website please tell me the process?
I have American express MRCC credit card

[@CardAcademy]

There’s no need for enrolment. If you have this card already then you are eligible for such benefits. Points will be credited if you achieve these milestone benefits.

[@amr35h]

Charge card pe emi ka option to milega ??

[@armageddon9241]

Nope

[@Danishsidd22]

ICICI make my trip credit card ka review kriye

[@deb_the_mastermind]

any amex agent here? I need help.

[@rahulvashist1102]

Is the gold card a metal card or plastic card ?

[@samudrakm]

Plastic

[@AbcXyz-qj2pt]

@@samudrakmRespectfully, you’re wrong it’s a metal card.

[@samudrakm]

@@AbcXyz-qj2pt It’s metal in the US and plastic in India.

[@AbcXyz-qj2pt]

@@samudrakm I see.

[@antmanhill]

Can we get mrcc on C2C basis either thru direct application or thru referral link?

[@amitabhmaheshwari]

No

[@pranjalgupta5991]

@@amitabhmaheshwari what is C2C basis?

[@anshul4395]

Charge card mein emi offers nahi hote ? Jaise no cost emi offers ya fir convert to emi o ln 12% to 15% interest for 6 to 24 month emi ??

[@dhavaljoshi1928]

Mem mene mrcc card apply Kiya he but,mere pass income proof nahi,vo maang rahe he, pls suggestions
Thanks

[@PCc186]

Income nahi hai to ye madam b kuch nahi kar sakti😂

[@shobhitagarwal76]

😂😂​@@PCc186

[@abcxyz5679]

please make Axis vistara infinite vs Axis Magnus please do it fast

[@niteshashok9941]

very useful video

[@sheikhavesh5258]

Can anyone tell me whats her name ?

[@amitabhmaheshwari]

What’s there in a name !

[@kabgaming3749]

I have same question 🥲

[@kabgaming3749]

Bhabhi ha teri

[@pratheeshm400]

My gf who sleeps with me

[@ek_virus]

Charge card reflect in CIBIL as a card ??

[@amitabhmaheshwari]

Yes

[@ek_virus]

@@amitabhmaheshwari then good 👍

[@Kids11111]

@@amitabhmaheshwariwith what limit?

[@ashquackk]

Do MR points expire?

[@amitabhmaheshwari]

No

[@techyashis]

Amex coverage z pathetic.

[@gauravtokas2012]

Hello Team, Trying to reaching you for Business collaboration can you please suggest us easy way to connect with you

[@प्रकाश_रावत]

Gold card is free for 1st year through my Referral link

[@SakshamGupta]

What's your link?