American Express Query

You had one Amex right?

Anyways MRCC is easier to achieve yearly spending criteria, and fees are low as well. 100% Go for MRCC first. anyone who wants Amex can DM for a more customized understanding.

Gold and MRCC have excellent 18K and 24K Catalogues, however, they are the same, so the wise idea is to take MRCC and save on annual fees.. 

If you use rewards xcellerator a lot then good charge, else MRCC.

Spend 20k per month and ensure 4 transactions out of these are 1.5k or above and you can get 2000+ points per months and no annual fees for MRCC.

1) if u spends per year is 1.5lakh  to 2.4 lakh , then get MRCC.

2)Gold card is good for the first year , but I don't find value in paying 5k fees from next year.. retention offers are also not that good for gold card. if u want spend just 72k and close after an year then you can take gold.

Fyi, I took both.  Mrcc I'm gonna retain , gold I'll probably close .

Bro you edited complete question now all our previous replies look irrevalant to question .

could have just created another post..

if you use my referral, then only i will reply else no 😃