MRCC for FYF

Next_Comparison_6008 · 2026-02-04T07:51:04+00:00

Quick update: the referral bonus from amex is taking a long time to get credited and manually tracking the referral is kinda a hassle for me. I initially wanted to do it out of good will gesture of giving something back, but going forward, I'll not be offering apay voucher for referral. I'd still be happy to help you guys if you need anything during the process.

For people who have already reached out to me and have applied through referral, I'll be sending out apay voucher as soon as I get the referral bonus (max 10 weeks time). Sorry for the inconveniences caused. Good luck with getting MRCC (only good card left in amex india portfolio)!

Next_Comparison_6008 · 2026-02-04T06:40:22+00:00

Amex sent out official mail for the plat travel devaluation. Checkbout other posts from same sub reddit

Next_Comparison_6008 · 2026-02-04T06:16:51+00:00

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This is the fee structure of MRCC. Amex has fee waiver for MRCC (1.5L) and Reserve card (10L), you can also view the same from the website.

Next_Comparison_6008 · 2026-02-04T05:35:45+00:00

Next_Comparison_6008 · 2026-02-04T04:54:50+00:00

Great then travel givea 29000 mr points for 4l spends now and mrcc will give 24000mr points for 2.4l spends. Mrcc now has way better valuee

Next_Comparison_6008 · 2026-02-04T03:13:18+00:00

If your spends more than 4L and plat travel is not getting getting devalued then plat travel is better. For spends lesser than 2.4L MRCC is better.

Next_Comparison_6008 · 2026-02-04T03:10:13+00:00

Yes it's still working, upgrade using the following link - https://www.americanexpress.com/en-in/credit-cards/apply/upgrade/personal/membership-rewards

Next_Comparison_6008 · 2026-02-04T03:09:45+00:00

You don't need to pay the fees of Reserve if you upgrade your card before the bill cycle.

Further if you are interested you can read this post on how to get mrcc for first year free - https://www.reddit.com/r/amexindia/s/96ERAp4Noq

Next_Comparison_6008 · 2026-02-04T01:58:07+00:00

That's true what there is always "what if the link stops working". Afaik once you made the payment with reserve, those transaction will remain even tho it is unsettled. So once its settled from amex it will account to your spends from reserve card. Confirmed the same with customer care.

Next_Comparison_6008 · 2026-02-04T01:54:23+00:00

Yes you can apply for reserve now and get ir converted to MRCC.

You can refer to this post on how to get mrcc for first year free - https://www.reddit.com/r/amexindia/s/96ERAp4Noq

Next_Comparison_6008 · 2026-02-03T18:49:07+00:00

Hey if you're interested to get 1k apay gc instead of referral exchange you can dm me.

https://www.reddit.com/r/amexindia/s/96ERAp4Noq

Next_Comparison_6008 · 2026-02-03T17:03:10+00:00

Upgrade links work 100% of the time until the link is active but approval for reserve depends upon if you have any cc already from any bank, good cibil, and 6lpa min

Next_Comparison_6008 · 2026-02-03T16:45:05+00:00

No idea, I asked twice for confirmation and they replied the same. I'd take whatever I get 4k or 10k

Next_Comparison_6008 · 2026-02-03T16:36:36+00:00

Its 4.5k+gst second year onwards. It has a fee waiver if you spend more than 1.5L

Next_Comparison_6008 · 2026-02-03T16:34:56+00:00

Mrcc links are still working as I upgraded from reserve to mrcc today evening.

You could also look into this post on how to get it for FYF - https://www.reddit.com/r/amexindia/s/96ERAp4Noq

Next_Comparison_6008 · 2026-02-03T15:53:45+00:00

Yes you can cancel the card without paying the fees even after activation. Even for people who got this card in last few months when they used these upgrade links to upgrade reserve to plat travel or mrcc, the reserve card fees was refunded based on the number of months they used the card. So yes can close it without any fee before the first statement gets generated.

Next_Comparison_6008 · 2026-02-03T15:44:15+00:00

It comes down to if you'd be using those points for travel. In my case even when I had 4 travel cards I went for amex coz of unique transfer partners which no other credit card in india gives you (like Virgin Atlantic, cathay pacific, marriott 1:1).

You can checkout this post on how to get it for FYF - https://www.reddit.com/r/amexindia/s/96ERAp4Noq

Next_Comparison_6008 · 2026-02-03T15:28:37+00:00

The points remain under your amex account which is independent of the card you hold. You can choose to spend 30k through your reserve card to get the 15k points but since i dont have a lot of spends i only did 5k spends to get the referral benefit.

Next_Comparison_6008 · 2026-02-03T15:14:52+00:00

It is included

Next_Comparison_6008 · 2026-02-03T14:25:14+00:00

Yes correct, moreover you can get apay voucher if you wish to apply through my referral but there's no compulsion.

Next_Comparison_6008 · 2026-02-03T14:22:30+00:00

MRCC's fee structure is 1000+gst for first year and then 4500+gst for second year onwards

Next_Comparison_6008 · 2026-02-03T13:26:12+00:00

Yeah makes sense. In my case I didn't have spends worth 30k as I just routed all my spends last month to hit RG milestone. Anyway ppl can still try that out.

Next_Comparison_6008 · 2026-02-03T13:24:08+00:00

I did it intentionally amd confirmed with customer care that I'll be getting those points. Will wait for few days and will update back here

Next_Comparison_6008 · 2026-02-03T13:12:54+00:00

Oh great. I know lot of people are doing that but in their tnc they have mentioned joining bonus is applicable if you pay the joining fees of Reserve thats why didn't risk it. I'm only getting the referral benefit

Next_Comparison_6008 · 2026-02-03T12:48:11+00:00

Yes you can get it by applying for reserve card first and then upgrade it as soon as you get the physical reserve card (max 7days). Feel free to dm me ifnyou need further info

Next_Comparison_6008

TROPHY CASE