Best Card In Your Wallet - American Express Platinum Travel Credit Card

Referral links -
Amex platinum travel -
Apply for an American Express Card with this link. We can both get rewarded if you're approved! americanexpress.com/en-in/ref...
Earn extra 2000 points plus first year free on this card
Amex MRCC -
Apply for an American Express Card with this link. We can both get rewarded if you're approved! americanexpress.com/en-in/ref...
Earn extra 2000 points plus first year free on this card
American Express Platinum Charge Card Referral Link -
americanexpress.com/en-in/ref...
(10,000 extra points on using this link)
American Express Gold Charge Card
www.americanexpress.com/en-in...
In this video, we discuss the platinum travel card and I also share my thoughts on having multiple credit cards.

[@sohamparekh]

Sensible explanation. I recently got the Amex Plat card too, looking forward to the Taj vouchers.

[@dugarniraj]

Superb.

[@saifiqbal08]

Great information Neeraj….. Indeed I am using it fro last 5 years & without doubt it’s one of the best cards

[@dugarniraj]

which taj properties have you been to so far? :)

[@vinayakbhat82]

I believe this card is not accepted on Income Tax Portals and NPS, but as per your video, it can be used. Is there a different way to use it or have they now stopped accepting it?

[@arivukarasan684]

Thank you for the very informative video. Today i got my Amex MRCC after watching your video. Didn't know such a VFM card is there till i came across your video. Regards, Arivu

[@dugarniraj]

Cheers

[@arivukarasan684]

i am confused b/w amex platinum travel card and axis vistara signature card. i will be spending more than 6L in a year. i want to redeem for flight/hotel. What do you suggest? Regards,Arivu

[@dugarniraj]

depends on what you want. vistara will only give you flight tickets.

[@arivukarasan684]

Thanks for the prompt clarification. Understood. Regards, Arivu

[@sachinpradeep7428]

Great video I just had a quick question I understand that this would provide access to domestic lounges what about International lounges is this free of cost or is it paid thank you

[@dugarniraj]

its free on the amex charge cards..you can apply here for the additional benefits - American Express Platinum Travel Card - americanexpress.com/en-in/referral/nIRAJDLUCu?CPID=999999544 Earn extra 2000 points plus first year free on this card American Express Membership Rewards Card - americanexpress.com/en-in/referral/nIRAJDWnAZu?CPID=999999544 Earn extra 2000 points plus first year free on this card American Express Platinum Charge Card Referral Link - americanexpress.com/en-in/referral/nIRAJDXgis?CPID=999999544 (10,000 extra points on using this link) American Express Gold Charge Card www.americanexpress.com/en-in/credit-cards/referral/prospect/cards/intl/nIRAJDLUCu?CORID=n~I~R~A~J~D~L~U~C~u-1669377928672-642018711&CPID=999999544&GENCODE=349992657254737

[@gowthamapoludasu-ng6xp]

Hi Neeraj, Difference between Supplementary and Add on Cards that you mentioned at the beginning of the video?

[@dugarniraj]

Both are same

[@deeptaker4041]

@niraj - Can you suggest me a credit card (cashback/reward ) ? I would be spending more on insurance premiums and utility bills.

[@dugarniraj]

Look at milestone based cards like platinum travel / Vistara cards.

[@abraham_george]

Does fuel spends count towards annual spends? I know it doesn’t give any rewards but can it help us reach milestone benefits?

[@dugarniraj]

Yes they do

[@user-wb3is5oc9v]

How to use this card for rent payment? Please explain

[@vedankush]

Hi thank you for detailed explanation but can you please clarify if we get reward points on loading mobikwik wallet and rental payment through amex platinum travel credit card

[@dugarniraj]

Nope.

[@souravbose4938]

@Niraj: Also is it worth to give up Amex MRCC and opt for Amex Plat Travel card instead? As from this video, it seems the rewards structure (considering milestone benefits) is better in Plat Travel compared to MRCC if we spent same 4-5 lakhs of amount in a given year. Kindly suggest?

[@dugarniraj]

I have 2 of each :) depends on your expenses.

[@prithampadmanabha]

Does Amex still offer MRCC as a companion card to Travel Platinum card wherein MRCC becomes LTF?

[@dugarniraj]

not so sure. have to check with amex. not written on website.

[@souravbose4938]

Which leather wallet do you use @Niraj to store and manage so many cards 😊 Curious to know, so that I can order one…

[@dugarniraj]

Slimfold.

[@navjeet]

Hey ! Which Payment Gateway do you use to pay Advance Tax with your AMEX card?

[@dugarniraj]

not sure. never paid.

[@Mohsinkhan-rx9lg]

I have been recently offered this Amex platinum travel card and my annual spend is 6-8 lakhs but it also includes groceries, utilities and insurance payments which may not give me rewards in this card so do you think I should go for the Amex gold rewards card instead?

[@dugarniraj]

You get rewards for groceries. Milestone is good enough for others

[@prithampadmanabha]

One more question: Since both you and your wife have Plat Travel card, assuming you both hit the 4L milestone and both of you get the 10K Taj vouchers, is it possible to combine and spend them for a single booking / reservation?

[@dugarniraj]

Yes it’s possible.

[@dugarniraj]

Taj properties don’t ask for ownership mostly when couples are staying

[@prithampadmanabha]

Perfect! I am getting this card for both my wife & I. 😊

[@sam609619]

Are u sure its possible to redeem two Taj vouchers worth 10000 each for booking of 25000 room for one night.

[@dugarniraj]

aap try toh karo. I have done many stays at Taj properties including falaknuma.

[@ashutoshtiwari8088]

Sir i have plat reserve card , please suggest should I return that and go for this travel card, and also suggest which other amex charge or credit should i apply which are best value for money . I have early expense of around 5-6 lacs

[@dugarniraj]

Travel is better than reserve

[@binitkumarsingh8409]

Sir, does amex give points on rent payments

[@vivekgodannamboodiri1296]

Wonderful sir. Please do make a video on an ideal strategy for max reward value of this card alone.

[@dugarniraj]

Thanks Vivek Ji. Do you have this card?

[@vivekgodannamboodiri1296]

@@dugarniraj Yes sir. I really want to know how to optimise my reward points.

[@dugarniraj]

Ok will plan.

[@dugarniraj]

Thank you 😊

[@prithampadmanabha]

Could you also please make a video on best way to redeem the MR points on this card?

[@dugarniraj]

Certainly :))

[@prithampadmanabha]

Thank you.

[@The-Smart-Investor-2027]

Nice and concise video Sir

[@dugarniraj]

Thank you :)

[@jerrydrummer04]

Hi Niraj Informative video. As someone who doesn’t have any Amex card, should I go for the platinum travel card or the MRCC, first? Thanks

[@dugarniraj]

Platinum travel americanexpress.com/en-in/referral/platinum-travel?ref=nEHAJ5tuo&XL=MIMNS

[@jerrydrummer04]

@@dugarniraj thank you for this.

[@akpk23044]

The Taj voucher of 10k is for 2nd year also?

[@dugarniraj]

Every year on 4 lakhs

[@garima815]

It's a nice video, one question I have a yearly spend around 4 -5 lac, shall I go for amex platinum travel card or axis atlus.

[@Cc76548]

It depends , atlas milestones are little bit more (7.5 lakhs and 15 lakhs) . If your spend are 4-5 lakhs Amex plat travel is a great card and gives upto 8% value if you transfer them to bonvoy Marriott. Let me know if you need a referral , you will get first year free and 2000 rewards with that

[@dugarniraj]

4-5 lakhs is less but if you can use amex fully then sure

[@amitabhmaheshwari]

I have Amex gold, MRCC and smart earn. On a total spend of around 4 lacs on all 3 I earn around 60K points annually for which I get excellent value through gold collection or transfer to Marriott bonvoy

[@dugarniraj]

Yes. I still find most value in Marriott.

[@KisH_16]

You seem to have a great knowledge about cc. I have amazon, SC and sbi cliq cc from which sbi is paid. Now my salary is 7.5lpa, no dependency. But yes I am going to invest, pay parents loan with gold collateral. So what cc would you recommend. Is there a card so paying society maintenance, insurance or main thing is paying loan ? I might spend 7-9lpa annually.

[@bindir1421]

Which will give best value for amex plat trave... Taj voucher or airmiles . I don't want hotel or cash

[@dugarniraj]

Isn’t taj hotel?

[@bindir1421]

@@dugarniraj yes taj voucher

[@dugarniraj]

You just said you don’t want hotel.

[@bindir1421]

@@dugarniraj I mean mariott etc

[@varunsingh9416]

Hello sir I have a question, do we get reward points on Paytm wallet top up by this specific credit card ?

[@dugarniraj]

Yes

[@varunsingh9416]

@@dugarniraj thank you for the reply

[@nithinshivakumar7603]

My expenses are less than 4 lakhs a year.. expenses mainly on food and beverages, fuel, groceries and shopping.. I m using icici coral credit card.. is there any better card I can go for??

[@dugarniraj]

go for cash back cards - they are better - will release a video soon

[@prithampadmanabha]

Can we pay towards NPS TIER2 using credit card?

[@dugarniraj]

No. It’s closed now :)

[@gokuls9369]

Is there a expiry period on the rewards points?

[@amitabhmaheshwari]

No

[@vidyasagardussa7702]

Do we get rewards points by paying home loan through credit card ?

[@dugarniraj]

Can you pay home loan with card?

[@vidyasagardussa7702]

@@dugarniraj No idea

[@deshkabhaloo]

Is the plat travel a metal card tho? What about the plat reserve? Is it metal? If it’s plastic do they feel cheap?

[@dugarniraj]

Metal is centurion and plat charge only

[@sagarp8017]

is rent payment considered in milestone benefit?

[@dugarniraj]

Need to check. Did you find out

[@sagarp8017]

@@dugarniraj yes counted

[@peerwahaj6011]

Any tips on limit enhancement of amex cards?

[@dugarniraj]

call and ask. thats your best bet

[@sohammt]

​@@dugarnirajcardholder will get a any pre-approved limit enhancement offer??

[@prithampadmanabha]

Can you please share Amex referral link? It is back up.

[@dugarniraj]

not yet :(

[@220kph]

How do you make income tax payments? Via amex

[@dugarniraj]

Tds takes care but you can definitely use

[@220kph]

@@dugarniraj u dont have a option to via credit card only NetBanking and debit card

[@dugarniraj]

It’s there. I know people paying with cards.

[@chandrasekarramakrishnan8968]

you cannot pay using Amex. These guys bluff.

[@sachinhj9910]

Can I get this card to card basis??

[@dugarniraj]

Don’t think amex entertains that.

[@sachinhj9910]

@@dugarniraj Thank you👍

[@DrAestheticc]

ITR nahi hai. Agle saal tak hojaega, tab apun bhi lega Amex. Bohot flex kar liye aap log😤

[@dugarniraj]

😂😂 Chalo message me. I’ll file your ITR for a fee 😋

[@DrAestheticc]

@@dugarniraj I will be cheating on my Family CA :P