Amex 2020 Diwali Offer: Get Vouchers Worth Upto Rs.20,000 on your spends

By | October 15, 2020

Amex Diwali offer is one of the most awaited offers in the credit card industry as it is usually a rewarding one.

This year too we’ve the offer LIVE for most cardmembers and its much attractive compared to last year due to vouchers like Flipkart/Amazon as it is very much relevant to use during the current pandemic situation.

Offer Details

  • Offer: Spend Rs.X and get Rs.Y worth of voucher.
  • Offer Type: Spend linked, targeted offer.
  • Offer Period: October 15, 2020 to November 15, 2020
  • Fulfilment: February 15, 2021 
  • Excluded Cards: Centurion, Plat charge card, Jet & corporate cards.
  • The offer is applicable for only select American Express Cardmembers. A Cardmember is eligible for this offer only if he/she has received an offer communication directly from American Express through any of its channels.
  • Spends on the Supplementary Card(s) will be accounted under the Basic Card. The Supplementary Card(s) need not be enrolled separately.
  • To Enroll: Please check your email or Call Customer Care if you’ve not received the email.

Offer Variants

There are 6 different offer variants as far as we know, here are they:

  1. Offer #1: Spend Rs. 3,75,000 – Get Rs.20,000 LUXE voucher (5.4% Value)
  2. Offer #2: Spend Rs. 2,00,000 – Get Rs.10,000 Amazon voucher (5% Value)
  3. Offer #3: Spend Rs. 1,00,000 – Get Rs.5,000 Amazon voucher (5% Value)
  4. Offer #4: Spend Rs. 40,000 – Get Rs.2,000 Amazon voucher (5% Value)
  5. Offer #5: Spend Rs.15,000 – Get Rs.750 Flipkart voucher (5% Value)
  6. Offer #6: Spend Rs.5,000 – Get Rs.250 Flipkart voucher (5% Value)

And the cardmembers getting Offer #6 is also eligible for Offer #5 automatically. So they can choose their spend levels.

This is exactly how I wish Amex to do for others too. Giving two options would give more flexibility for cardmembers.

Anyway, its 5% return on spend as usual and if you’ve got the Offer #1 then its 5.4% but LUXE vouchers are not as attractive as Amazon vouchers.

Plat Charge Offers

Just like last year, its clear that the above offers are not intended for Amex Platinum. So if you have other cards along with Amex Platinum, you got to wait for some more time.

Remember, Amex usually considers the highest card variant on account for targeted offers.

So whether Plat/centurion users will get a separate offer or not will be known shortly. Mostly there will be something better than above!

I wonder why they send offers for plat cards after sometime, while they’ve to treat them in advance.

So, I have not received the offer yet. Will update this space if I do.

Bottom line

Overall the return on spend (~5%) is almost similar to what we saw last in 2019 Diwali promo and 2018 Diwali promo. And of-course this is apart from the regular rewards.

I should say that these are lot more valuable than previous year offers, especially for those who got Amazon Vouchers, as its almost cash equivalent.

That aside, some of them were disappointed in 2019 due to voucher type, like Paytm movie voucher. So they should all be happy this year, provided they have received the promo.

What offer have you received? Feel free to share your thoughts in the comments below.

50 thoughts on “Amex 2020 Diwali Offer: Get Vouchers Worth Upto Rs.20,000 on your spends

  1. JITENDRA KUMAR SARAOGI

    I recd email for supplementary card but while enroling it is asking for basic card info.
    so have doubt on which card offer is applicable?

    Reply
    1. ManzB

      Same here. In any case, I rarely get any targeted offers from them. And in case I get it rare cases, the offers are always targeted to the supplementary card only. Never enrolled. Let em see whether they allows the primary cardholder to enroll.

      Reply
    2. Vijay

      I got the 2nd offer in my primary card. Would the spend on supplementary cards also be counted?

      It will be really helpful if you can comment

      Reply
  2. Ashwin Kumar

    Any suggestions on how can we meet the spend criteria of 2lacs in a month?

    Reply
  3. Rakshit Somani

    The festive season is around the corner and we have an Amazon Gift Card for you to add more joy to it.
    Spend ₹2,00,000 and above
    with your Card Get Amazon Gift Card
    worth ₹10,000*

    Got above on my platinum trave card today.

    Reply
  4. Mouli

    As usual, this year also no offer from me.Amex following some weird pattern

    Reply
    1. Siddharth Post author

      I see only very low spend users and new cards not receiving offers. Others should be fine.

      Spent too high by any chance? Maybe you’ll get a better offer in that case, like, no enrolment etc.

      Reply
      1. Krupesh Patel

        I have spent around 5.25lc in a year on Platinum Travel card(a year old) but didn’t receive the offer. I have been spending more than 1.5lc on MRCC from last three years and never received Diwali offer on that too. Tried calling customer care, spoke to the senior representative, still got the same reply which I have been getting from last 3 years that “We have taken your feedback and will forward the same to the respective team”. Moreover this is the month in which I have been charged the yearly fee for Platinum Travel card. Tried calling them to waive that off (at least half) but they didn’t agree and had to let go my 10K points for 5900/- yearly fee.

        Reply
          1. Krupesh Patel

            How it would help me? like you are suggesting close the cards and then re-apply for the same after some time?

      2. Mouli

        Sid

        In Plat travel card spent around 8L and in MRCC around 3L
        Plat Travel renewal happened 2 weeks back and mine is LTF,so that may be a reason too !

        Reply
  5. MAA-traveler

    Have not received any email or pop-up when logged into the site. None for any of the three cards I hold. That dreaded targeted offer. I was kind of expecting either no offer or fantastic offer as I completed spend target of 4L within 7-8 months on my Plat Travel card and currently using only on offers (like they ran this 15 MR points/Rs 100 Rewards Multiplier promo recently).

    The best one would have been Offer #4: Spend Rs. 40,000 – Get Rs.2,000 Amazon voucher

    Reply
  6. Sharad

    Received the email, was lying in spam folder 🙂 ….t&c are silent om wallet load transactions. Is it same to conclude that spend offer is applicable to wallet load too?

    Reply
  7. KK

    Got the 40K offer, though sadly my limit is 25K and earlier balance is 7k left. So max I can spend is 32K, making this quite usless on my MRCC.

    Reply
    1. Shiv

      You can always make an advance payment of any amount to make your limit free 🙂

      Reply
        1. Shimul

          This means you can pay wait for the payment received notification than use.

          Just pay 10K on the MRCC and wait for the payment confirmation from Amx. After that you can use 40K on the MRCC.

          Reply
          1. Siddharth Post author

            Note: Paying more than 10% of the limit as advance may raise a flag and it will take more than a week to get the funds added to ac.

          2. KK

            Ah ok. Does that impact the credit score since I’m using more than my limit?

          3. Shimul

            @Siddharth I didn’t know that, i didn’t tried as my amx cc limit is good enough. I did with the others bank without any issue. Thanks for the info.

          4. Shimul

            @KK
            First Amx don’t report the Credit card limit on CIBIL (As per CIBIL report) so they don’t know the total limit on your card.

            It’s safe to use like this: Spend 5/10k and pay 5/10k on the same day or others day. After payment is posted you can do the same again.

  8. AM

    Received offer 3 on travel card I think the best one really hard to spend 2 lakh in Covid time and not the best card for international spends.

    Reply
  9. SAI RANGA

    Any exclusions on spending like, spends on Fuel, Insurance, Utilities and wallets ?

    Reply
  10. Rakshit Somani

    I have hdfc life ulips payment lined up for this period so its easy to reach the targets. Always buy / plan insurance plans , during october period. This way you get a grace period of 30 days always for making payments and wait for amex spend based offers to kick in . Once you receive it , take it by the horns 🙂

    Reply
  11. Vivek Mittal

    Received offer 1 with spend target of 3.75 Lakh. Not sure if I will go for it since I am almost done with my 4 Lakh spend on Platinum Travel card to receive additional benefits.

    Reply
  12. Rohit

    This year diwali is gonna worse for hdfc bank users no great offer all are useless

    Reply
    1. Vikas

      Have been getting regularly offer of spending 22-28 k n getting 1k voucher from last 6 months

      Reply
  13. sumit kasera

    Also got option 3 – did not get email but saw that on website popup.

    Reply
  14. Gopal Gidwani

    I got Offer #5: Spend Rs.15,000 – Get Rs.750 Flipkart voucher (5% Value) on my MRCC card

    Reply
  15. manoj singh

    Can we use for wallet reload like Paytm. Will it be applicable as eligible spends.

    Reply
  16. HG

    Got offer #1, I honestly am not thrilled with the Luxe gift card and would have really appreciated an Amazon or a Flipkart voucher. A quick google search about this yields the brands you can potentially use on, yes I agree they are premium brands, but I am totally unexcited with the incentive. A quick google search and I found that this Gift card is available at a 7% discount already

    Reply
  17. Sumit Gupta

    IMPORANT UPDATE:

    PAYTM HAS STATRED CHARING 2% FEE ON ADDING ANY MONEY FROM CREDIT CARD…YES FOR LESS THAN Rs. 10000 MONTHLY LIMIT EARLIER.
    BUT GOOD THING IS THAT FOR THIS MONTH THEY ARE GIVING FEE AS CASHBACK MAX UPTO RS. 200 ( 2 TXS A DAY, 5 MAX). SO AMEX CARD HOLDERS MAY PLEASE USE THEIR 1000×4 OR 1000*6 ( 5 max without fee effectively ) TRANSACTION DONE AT THE EARLIEST FOR THIS MONTH.

    Reply
    1. Manoj singh

      Which card other then amex gives rewards points in paytm wallet reload. Please confirm. I know know amex and Citi are giving wallet reload reward points.

      Reply
    2. Vineet

      Can you please share the offer link to the cashback. I can’t see the offer

      Reply
  18. Manoj singh

    Do Amazon pay card from ICICI gives reward points on Paytm wallet loading

    Reply
  19. nithish

    if i login to american express account, at bottom of offer section i can see my offer.

    Reply
  20. Meldrin

    I got the 1L/5K offer.
    Are Paytm or Amazon pay wallet load spends eligible for this offer?

    Reply
  21. AAJ

    Anyone got for Amex Plat Charge or Rewards, I didn’t get any!
    Customer care says not rolled out when asked.. not sure

    Reply

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