Where and How to Best Use American Express Credit Cards In India?

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Confused which cards you should select based on your spends? This video guide will help you!

[@dugarniraj]

Apply for the American Express Travel Card - americanexpress.com/en-in/referral/nIRAJDLUCu?XL=MIMNS Apply for the American Express Membership Rewards Card - americanexpress.com/en-in/referral/nIRAJDWnAZu?XL=MIMNS

[@raghavmahajan7812]

Used your referral; not able to see Gyftr on the Rewards Multiplier. What to do?

[@raghavmahajan7812]

Also the limit I am seeing is 10K not 25K

[@getkishi]

AmEx is the worst card I have ever taken. Not accepted anywhere.

[@ankitanand6463]

For years, I've seen videos of people explaining how to save/money. First time seen a video explaining how to spend money. Crazy 😉

[@dugarniraj]

Money is a tool to live your life. Better learn to use this tool well 🙂

[@drrohit68]

❤❤😂😂 . Great video and reply too .

[@PrasannaJadiya28]

Asking the merchant is a bad idea. Rather, direct hand over / tap your Amex. This strategy works better.

[@SourabhSharma-kq6ed]

true. if you "ask" - they ask for visa/master. just give them the card straightforward

[@AbhayVlogging]

not like that i went to mall their i ask every merchant and unbelievable it worked in then dominos,KFC,H&M and Sugar&Spice

[@DrSantoshRaut]

Which card is best sir ? amex platinum travel card OR membership rewards credit card ??

[@dugarniraj]

Depends on your spends. See my previous video once

[@DrSantoshRaut]

@dugarniraj yes sir, thanks just applied for an Amex platinum travel card with your referral link and completed video kyc.

[@amitabhmaheshwari]

If you are comfortable with monthly milestones go for MRCC, if yearly milestones are your thing, go for plat travel. If you are a high spender, take both.

[@reskillbaba]

Can we get bonus reward points if we use amex card for paying electricity bill payment of 1500rs of 4 bills ? I know it gives 1000 reward points for using 1500rs four times Please answer this question

[@dugarniraj]

Yes sir

[@reskillbaba]

@@dugarniraj thank you for your time to reply sir

[@reskillbaba]

@@dugarniraj better to pay directly or through Amazon pay gyfter ?

[@mohammadfayaz5962]

@@dugarnirajwill not get any reward points for spending on utility bills, emi, recharge

[@spyar1]

Hi amex smart earn & mrcc which one is more beneficial?

[@dugarniraj]

MRCC

[@spyar1]

@@dugarniraj Thanks Totally how many amex card we can take ?

[@Sathishomi]

Amex is not free. We have to pay fee. Please confirm why did you mention its free i am not able to understand the difference

[@dugarniraj]

Go back and see how old this video is and then understand the changes in Amex after that

[@dounobvious]

Hey! Which petrol bunk accepts Amex in Hyderabad?

[@dugarniraj]

Checkpost

[@AbhishekSingh-ep3gt]

@@dugarniraj Anything near Narsingi or Gachibowli?

[@cred_entho]

Hi niraj. One query if we do only 4 lacs spend in paying income tax , property tax or utility bills only , will we get 40k points on this milestone benefit or not, bcz we would not get regular reward points in this case, so please clarify on this as this is the only factor that will make my decision to go for this card , else it's waste for me

[@dugarniraj]

You will get milestone

[@9851949130]

MRCC card par Rs 20,000 spend karne par jo 1,000 mr point milta hai....uske liye keya per month enrollment form fillup karna hoga ?

[@dugarniraj]

Once only

[@getkishi]

Can you tell me how to pay rent through American express? Payzapp is not supporting Amex

[@Dpanghal1020]

Use housing

[@vivekkoul4428]

​@@Dpanghal1020I checked once but these apps only accept rent through some 3rd party portal. What about those houses which we found on our own, how to pay rent to those?

[@nikhilkanakamedala312]

I'm planning to do a house downpayment using Amex and I think it will be categorised as rent. How much would be the service charge in this case?

[@vivekkoul4428]

@@nikhilkanakamedala312 easily 2 to 3 Percent. A huge loss

[@PulkitPopli]

If paid on klook using amex card, how much forex or DCC they charge?

[@dugarniraj]

I’ve never tried

[@raghavendrarakshith4797]

is there anyway we can add money into some wallet via ammex. and make use of this wallet amount to do transaction such as UPI? and can we push the extra amount saved in wallet back into back? Cause I have way too much amazon gift card amount i need to find a way to use it for transaction such as UPI

[@dugarniraj]

wallet funds cannot be used for UPI. dont buy amazon pay cards if you dont need.

[@bipinvishwakarma30]

Dealers and stores always ask 2-3 % extra charges on top of amount. For amex cards

[@dugarniraj]

Hmm barely faced this issue

[@amitabhmaheshwari]

Use other cards there. Amex cards should be used online mainly or in very big stores or hotels. I don’t even take out my Amex at small shops

[@OishikSarkargplus]

In Kolkata every other retailer asks for 3% extra for any card, doesn't matter its Visa, Mastercard, Diners Club or Amex.

[@abhisheksingh-zb2vt]

Pay that extra amount. And then call up Amex customer care. They’ll refund it without any proof of bill. Happened with me.

[@sathvikraomp2006]

@@abhisheksingh-zb2vt one or two times its ok. But calling and asking for refund everytime is cumbersome

[@saurabh9452175741]

Bro can you tell me which petrol pumps in Hyderabad are accepting Amex ..tried 7-8 already all denied.

[@dugarniraj]

Checkpost

[@kolanvishnuvardhanreddy3663]

Can’t we get reward points on fuel spending showing T&C on Amex

[@dugarniraj]

you can get on Amex gold charge - americanexpress.com/en-in/referral/gold?ref=nIRAJDgRc5&XLINK=MYCP

[@aashudubey2739]

Bro I have platinum reserve card can I do rent payment and get rewards point and milestone benefit please help

[@dugarniraj]

Try through housing.com

[@Jainil14]

Please suggest about the 4 fuel pump in hyderabad …..tried some areas and the machine does not accept

[@dugarniraj]

Checkpost and OU

[@rg_2708]

Hi Niraj I have amex platinum travel & mrcc cards I just want to know whether I can buy Amazon pay vouchers worth 55k every month from amex multiple gyftr program Do I get the complete multiplier benefits or not ?

[@dugarniraj]

you can but limit per phone is 25k only. you have to use multiple phone numbers

[@ankshdasdutta7678]

Is it 25k for gift cards or only shopping vouchers? And gift card of 10k?

[@AkashGupta87]

sorry bro, very unhelpful video, ideally what you should have done here is tell how to use AMEX where its not accepted. How to not use amex directly but indirectly where its not accepted. Like loading swiggy / zomato wallet for resturants. Loading PAYTM for basic vendors stuff For Fuel using hp wallet and cover all categories to the extent that you can do all your expenses using amex by using it directly or INdirectly.

[@dugarniraj]

It’s ok bro. Thanks bro.

[@shreyshrivastava]

The Addon card gets separate quota lounge access or its shared with primary card?

[@dugarniraj]

add on amex plat travel?

[@shreyshrivastava]

@@dugarniraj Yes..

[@TheNaveid]

is paying rent via amex beneficial ?

[@akshaychavan3224]

what about wallet top ups in paytm, does it gets counted in the milestone benefits?

[@kevinethanedwards7851]

Referral link is expired, please check once from your end.

[@dugarniraj]

Will share tomorrow

[@savanaramya1277]

Can we pay rent?or buy gold with membership rewards card?

[@dugarniraj]

gold

[@AakankshaMillan]

I see you have the Amex Platinum and MRCC .. isn’t the gold slightly better in terms of reward points?

[@dugarniraj]

My wife has it. I have the platinum charge card

[@AakankshaMillan]

Ok! So do you suggest gold and platinum travel as the best combination if you don’t have platinum charge?

[@ArpanMukhopadhyay93]

Calculate and see how you can get the best rewards minus fees. Plus Gold has some exclusive offers and perks (optional)

[@siddarthsachdeva738]

Link is expired, would you mind sharing a new one?

[@dugarniraj]

Here t.co/khH7KuNAe6

[@ketank007]

Can we pay online rent payment through amex membership card?

[@rockingjatt5388]

Nahi koi rent payment ya education fees ke tarike se paisa nahi hoga transfer paytm mein load money karke ho jayega.

[@Dpanghal1020]

Use housing education or rent payment option

[@ArpanMukhopadhyay93]

Air asia (not Indian) website accepts amex?

[@dugarniraj]

No idea bro. Not possible to have an India 😅

[@ArpanMukhopadhyay93]

@@dugarniraj air asia website and app works in India for flight to South East Asia

[@priteshkhilnani]

Thanks, gyftr does not specify what is thr multiplier on Amazon pay vouchers. Appreciate if you can advise. I use DCB as well for vouchers which has a 2.5% charge

[@dugarniraj]

It does. Will make a video.

[@anshul213anz]

waiting for the video

[@ArpanMukhopadhyay93]

​Check properly. Card wise multiplier is written in desktop website, not mobile

[@ArpanMukhopadhyay93]

@@priteshkhilnani mentioned in website. Check in desktop or desktop mode in phone browser

[@adarshchandrasekhar8556]

What is the reward rate for 100 rupees in Amex? It’s low I guess …

[@aneeshjohn7]

Is Amex card accepted for rent payment? If yes, please share the details.

[@dugarniraj]

From what I know, no.

[@hp_trader]

Yes it is but there is workaroujd u can ise it as add money via wallet by paying some fee and make payment

[@Dpanghal1020]

Yes it does through Housing

[@ZAAALIM]

For fuel - No surcharge??

[@Dpanghal1020]

Yes no surcharge only on HP fuel stations

[@parvajoshi2368]

Thanks niraj, i was searching for such video on youtube since a month...now my search completed...thanks

[@dugarniraj]

Most welcome 😊

[@captainramchandani6397]

Amex platinum travel card not accepted for advance tax payment

[@dugarniraj]

correct, go for IDFC vistara for tax payments or Biz black from HDFC

[@vivekamar99]

If i spend 1500/- on fuel 4 times in a calendar month on Amex MRCC, do i get the monthly milestone benefit of 1000 points?

[@abboss2679]

Is there any better amex card than this one?

[@Rukkurukkurukku1]

Yes you do

[@karthik-eg6ht]

Please say the fuel pump in Hyderabad. I stay in Hyderabad.

[@dugarniraj]

The one at check post and the new one in Osmania university

[@karthik-eg6ht]

Hiee I have swiped my card for fuel transaction I see I don't get any points ?

[@dr.architghangurde8182]

Is ur referral link from “neha” ?

[@dugarniraj]

Yes :) my sisters

[@smartworks-e7t]

Can we pay advance tax through amex?

[@dugarniraj]

no

[@chandansr]

Link is expired can you please add a new link for reference

[@Cc76548]

Let me know if you need a referral if still searching for

[@dugarniraj]

pls use this t.co/St8erH6Wl8

[@savanaramya1277]

​@@Cc76548Yes please share the referral

[@manindrachandradas6147]

Reward points expiry time period?

[@ankitlfc170]

Till the card is active. Also 30 days grace period after the card is closed.

[@rohitmukeshpardasani3434]

Need link for MRCC

[@dugarniraj]

hello americanexpress.com/en-in/referral/platinum-travel?ref=mEGHNKkIMW&XLINK=MYCP

[@varungupta6287]

Can we use Amex to pay rent ?

[@Ironmannew]

why the headachee. Just use visa or mastercard. Accepted everywhere

[@ArpanMukhopadhyay93]

Service and rewards. Indian banks are no match in quality of service

[@LiteraryTraveller]

Thanks for this! Have you done a video on how best to earn reward points using Amex Gold Charge Card? Also have you done a dedicated video on the Amex Trifecta please? Thanks again!

[@dugarniraj]

lot of amex videos in the channel, you can check those

[@sohail.melwani]

Hey brother - your link shows it has expired. If you have already collected your maximum points, I can share my referral link to people :)

[@dugarniraj]

not aware of such rules

[@manikanta7878]

Can you please share the referral

[@Kids11111]

Bhai mere, please stop rocking so much on the office chair. It makes you look so stressed on such a plain topic.

[@dugarniraj]

Do you have a course on public speaking that I can take?

[@Kids11111]

@@dugarniraj No sir, I do not.

[@dugarniraj]

would have loved to sign up for it since you have such great insights

[@Kids11111]

@@dugarniraj It was just one single insight, sir. I am sensing some hostility here, so please feel free to ignore me.

[@dugarniraj]

nah since you said the topic is plain I thought you've already rocked content creation and public speaking

[@prameh1990]

Why are you making so many videos on amex cards these days?

[@dugarniraj]

You don’t have to watch 😁

[@dugarniraj]

In last 6 videos, this the only one purely dedicated to amex

[@prameh1990]

I do like watching your videos though. So don’t get me wrong. Was just curious

[@shouryasinha7108]

I feel he's planning a holiday and needs a lot of amex points. He's handing out referrals to horde all the points alone.

[@surajhk31]

Amex or yemex ? 😅

[@dugarniraj]

YEMEX

[@jery7082]

referral not working

[@Cc76548]

Let me know if you need a referral if you are still looking for it

[@dugarniraj]

use this pls - t.co/St8erH6Wl8

[@testserver3470]

R u in Hyderabad. Can we meet sometime

[@dugarniraj]

Meet for what? 🙂

[@pedorthopaedicsnoida9550]

Does Amex India permit issue of more than 2 different credit cards to single user ?

[@dugarniraj]

2 credit cards and 1 charge card

[@bmsrocky]

Kaash kucch Naya bataya hota

[@dugarniraj]

bro everyone doesn't know everything

[@smartworks-e7t]

Can we pay advance tax through amex?

[@dugarniraj]

I don't think so

[@vivekamar99]

​@@dugarnirajYeah, I tried paying advance tax yesterday through Amex, but the card wasn't accepted. Do I get points if I use Axis Atlas for the same? I'm aware that after 3 January, government spends through Axis Vistara will not be considered for milestone benefits.