Just like every other year, American Express India has come up with a GRAND spend-linked targeted Diwali Offer for 2021 with which you can grab gift vouchers worth upto Rs.70,000 based on spends.
Here’s everything you need to know about the offer, the variants and more.
Offer Variants (Regular Cards)
| Offer # | Spend Criteria | Gift Voucher (INR) | Voucher Brand | Reward Rate |
|---|---|---|---|---|
| 1 | 2L | 15,000 | Taj | 7.5% |
| 2 | 1.5L | 10,000 | Taj | 6.7% |
| 3 | 50,000 | 3,000 | Amazon Pay | 6% |
| 4 | 25,000 | 1,500 | Amazon Pay | 6% |
| 5 | 10,000 | 750 | Amazon Pay | 7.5% |
The offer is neat & simple just as always with Amex, without any exclusion of spends. That aside, it’s good to see the return on spend >5% on non-plat cards too.
- Offer Period: 1st Oct – 15th Nov 2021
This time around, almost all the cardholders I know of have received the offer unlike last few years where some were not part of these offers. However, we may get to know more on this later, in the comments below.
If you haven’t received the offer, do call/chat with Amex and check for the same.
Offer Variants (Platinum Card)
| Offer # | Spend Criteria | Gift Voucher (INR) | Voucher Brand | Reward Rate |
|---|---|---|---|---|
| 1 | 8.5L | 70,000 | Taj | 8.3% |
| 2 | 4.5L | 40,000 | Taj | 8.9% |
| 3 | 1.5L | 12,000 | Taj | 8% |
| 4 | 50,000 | 3,000 | Amazon Pay | 6% |
Wow! With a return on spend as good as 9%, American Express is about to blow the competition this festive season by grabbing the spends of the premium segment.
And not to forget, you also get the regular points on these spends, which if counted would add upto sweet ~10%
I’ve received Offer #3 on platinum charge card and I’m pretty happy with it.
My Thoughts
Almost after 4 years, American Express finally came up with an attractive Diwali offer that gives return on spend >5% for most cardholders.
And not to mention, this is probably the first time they’re sending the offer to Platinum Cardholders for Diwali (in scale). Hope this makes many happy and I’m definitely one of them. 🙂
That being said, Amex is also running Reward Multiplier offer (2nd Oct – 7th Oct) where-in you can get 20 MR/100 INR instead of regular earn rate (eVouchers excluded).
This, along with the targeted offer one can save a significant amount on their festive season spends.
While you might be jumping in joy, not to forget to enrol your card before going with the spend.
- Fulfilment: This offer has been fulfilled on 10th March 2022.
Have you received your Amex Diwali targeted offer for 2021? Which offer variant is that? Feel free to share your thoughts in the comments below.
There is one more category 45 Taj voucher for 4.75 lakh spend on Amex travel platinum
Cool, that’s interesting. Thanks for sharing.
I Received my Membership Rewards CC on 10k Taj Voucher for 1.25L spend. But One small Doubt,I have 2 add on cards and add on cards also received same offer mail. How they will consider transactions.
Offer will work add on cards or Not ?
Please explain…..
Generally spends on add-ons for these offers would be counted under primary.
Thank You Anna👍
All supplementary/basic card spends to be counted in primary account only , its in the TnCs
Hey MT, could you help me locate this point, or where you found it? Wasn’t mentioned in the TnCs received via email.
imgur.com/0KkmWVj
Hi Sid and Purna
Correct, even myself and my dad received for 4.75L spend and 45k Taj Vouchers
But remember, the vouchers are valid for 180 days with no chances of extension.
Thats what my Account manager has informed me
Sid,
I am also in the same category 45k Voucher on 4.75L spend in my Platinum Travel Card. Got Diwali offer after 3 years !
I received this offer for my amex gold charge card
I got offer to spend Rs. 4,75,000 and get Rs. 45,000 Taj voucher. It’s amazing but I don’t think I can achieve such huge target. My credit limit is only Rs. 2,00,000.
I’m sure its doable for you. 😉
Share secret tips Anna, I received same offer. Can do rent pay for 1L. What else?
These days people pay a lot of rent to their friends, Amit. 😉
But I would suggest not to inflate the spends much to avail these offers.
Amex card is disable for rent payment on most of the app
Spend wherever you want , but stay under radar of Income Tax uncle , one department you dont want attention of , especially manufactured spenders
Rent Pay via Amex is restricted it seems. Could you please share if there is any app allowing for the same?
Hi Amit, on which site you pay rent using amex. Cred and no broker disabled amex.
PhonePay Rent seems to accept Amex.
Please try once, revert if it works.
Phonepe doesnt accept Amex
I’ve received Offer #3 on Membership Reward card and I’m pretty happy with it.
For Plat Reserve – 10k Taj for 1.25L spend
Received 10k Taj Voucher for 1.25 lakh spend on Platinum Travel card… No offer till now for Gold and MRCC Cards
Usually these offers are triggered for the top level card (only one).
Is it possible to get 20 reward points on purchasing Amazon voucher through Amazon on reward multiplier, not through e voucher?
I see there is an exclusion on this in T&C.
I received 10K Taj on 1.25L (not 1.5 as you mentioned) and rewards multiplier offer 20/100 on Gold card. Nothing on MRCC.
Off-topic: The SBI card displaying your name in our city mall is now removed. May be they’re also following this like Radisson Blu officials.
He he, thanks for the update Pranab. I doubt anyone from SBICard would dig into these comments and take action that fast.
Another point to note is gift vouchers are excluded from the accelerated reward multiplier.
Yeah, just updated. Makes sense, as it means some may do double and triple dip. 😀
Noticed another point in T&C. One account holder is eligible for only one Taj voucher even though he may have received the offer on multiple cards held by him.
Mine is 40k on 4.5L
mine is 7ok for 8.5 lacs spend and also 15k for 2 lac spend on platnium travel card.
On 2 primary cards of yours? Sure?
two emails recv with different card n0
Got the 1500 Amazon Voucher offer on 25000 on MRCC. Seems more doable than the 2500 on 45000 that came in Aug-Sep. Particularly as Amex is offering fabulous offers on BB Daily and BigBasket of late. Also received the Reward Multiplier offer as well. If we pay utility bill through Amazonpay through Reward Multiplier, do we get the 20 points?
No. Utility bills and wallet loads on amazon pay are excluded in tnc. Only shopping is counted.
So phone pe or FreeCharge rental payment don’t consider is it?
No offer on any of my 3 card (Plat Charge, Plat Travel or MRCC) and No offer on My wife’s 3 Card…Spoke to CC and they said its targeted….surprised that these flagships offers are also not there for everyone
Use a MRCC for a long time of more than 4 years now. Didn’t get any offer as of yet.
I’m also using MRCC from 3-4 years. Amex provides few offers evrey now and then on MRCC as well. For example, small shop offer, bonus points on insurance payments etc. Keep checking your registered email ID for the same.
Yes I got an insurance offer on the portal itself and enrolled for it. Let’s see if that happens. That is also a great offer of 15 RP for every 100 spent.
That will be a huge boost to RPs if it is done.
A small update. Just call Customer Care and they will enroll you. Happened to me and I got the Rs. 25000 spend for Rs 1500 Amazon Gift Card Offer.
Just call and ask them if your account is eligible for Amex Diwali Offer and they will check and let you know.
I didn’t get any offer on my Amex MR card. How can I check on this?
I got the offer of spend 1.25 L & get Taj voucher of 10,000 for platinum travel card.
Did not receive any offer on my platinum travel card. Really disappointed😰
No such offer received on my gold charge card. 🙁
Call or chat with Amex cc, they will enroll
1 shot 2 birds, if i send 4.75 lacs in Amazon, I will get 45k taj vouchers and multiples reward points 20 for every 100₹. Almost 14% returns. But what We have to buy in Amazon is big question?
Can we get 20 points for every 100 rs spent if we do Amazon pay wallet loading?
Just came to know of a surprise change made by Amazon. They have stopped accepted credit cards for purchase of gift cards.
It’s an out and out wrong info.
Credit cards (all bank) are working fine in everything available on Amazon including pay balance, all types of gift cards.
Please try and purchase a gift card and let me know. I was trying to buy a 2k Amazon birthday gift card as my son has to attend his friends birthday party. Only UPI, net banking and Debit Cards are available as payment options. Had a chat with Amazon customer care and they confirmed this is a recent change. It is only for buying Amazon Gift cards, not for other brand gift cards. I have not checked on adding balance to Amazon Pay (since my idea was to purchase a voucher for gifting).
It’s tried and tested, each and everything can be purchased with any credit card. After your comments, again I checked with ‘Birthday Gift card’, both physical and e-cards are working fine with Credit card.
Then it looks like a restriction imposed on my account only; though not sure of the reason. I will try and buy the gift card from my wife’s Amazon account.
New offer from Amex from 5-10 OCT. Spend 60K and get 5000 cb (upto 3 times, valid on EMI when emi amount is greated than 60K). Total 15K cb for 1,80,000/- spend. Wish they had given this offer 3 days back. Made multiple purchases during the sale. That would have clubbed a lot of offers.
Doesn’t get crazier than this, all offers come down together and for a short while.
Amex 20pts per 100 plus the spend based reward. In case of Amex PT it adds upto almost 25% benefit.
HDFC 10% off on Amazon plus 5X using DCB/infinia.
Axis flipkart 10% off plus 5% cashback plus generous payback points.
Yescart value back upto 15%.
Also saw some mind-blowing deals on e-com sites. We need to shop all year round but these offers land up only for few days all at once. No choice but to let go most of it.
BTW, is there any chance we can use Amex for rent payment to reach that 15Nov target? It doesn’t seem to work on Phonepe, tried multiple times it always fails.
I didn’t receive the offer email for my MRCC card. However, spoke to CC and they confirmed that I am eligible for this offer(1.25 L spends/10k Taj voucher) and mentioned that I would be enrolled for the same. Thank you Sid for sharing the offer details. I had a similar experience with Amex Insurance spends offer(15x MR) where I had to call the CC and enroll my card account under the offer. With these two offers combined, it seems to be a triple dip if spent wisely(15x MR for insurance + 10k Taj voucher for 1.25L spends + Regular MRCC rewards i.e. 1k MR each for 20k spends and 1.5k * 4 spends).
I have tremendous bad luck, never get any offers on HDFC or AMEX
Is it possible to get 20 reward points by adding amazon pay balance or buying amazon vouchers from amazon site. Planning to use this amazon pay balance for insurance payments.
No, voucher purchase and Amazon pay balance addition are excluded.
Yesterday this offer received on My Amex MR Card
“15K Taj vouchers when spend milestone of ₹2,00,000*
“Shop this Diwali with your American Express® Card”
Offer Period : 1 October 2021 until 15 November 2021.
Much better that HSBC which is just offering 2K cashback for same 2L spend for same period
I had not received the offer email. So I called up the customer care team. They confirmed I have Rs. 10k offer for Rs. 1.25 lakh spends. They even enrolled me for the offer from their end.
I didn’t get any notification for my mrcc card but after checking with customer support, they say its “15k Taj voucher for 2L spend” for me. They raised a case to enroll me in this offer and wait for 3-5 business days to get it done. Till enrollment, all spend won’t be eligible. Window is less and amount to spend is high 🙂
Amex is sending different offer for different mrcc account which is strange.
I got 10k Taj voucher offer on my platinum credit card on spending 1.25 lac.
No offer on membership gold card yet.
Any way to pay rent using Amex?
No you cant
Find the word “Rent” and you may get your answer.
Dear All, Please try to read the whole thread before asking questions. A thread with so many replies might solve your doubts at least 70% times.
Thank you
🙂
Banks and other credit card companies are giving generous cashback offers. How do they earn money from the customers ? MDR is around 1.5-2% , but they are giving back more than 2% to the customers. So what is the math here of earing money of these card issuing companies ?
Plus 1
Check annual report of sbi cards. You will understand the whole story and logic of credit cards
They meet their operational expenses from the MDR. They find money for promotions from the interest paid to them (by those card holders who do not pay in full, and decide to rollover.) Over simplification, but generally true.
Take these offers as advertisements by Credit card companies.
They want to increase your spending habits. Also you will be telling to everyone about these offers.
Had to chat with CC to get my MRCC enrolled. I got the 10k Taj on 1.25 lac spend. Thanks Sid!
This month I’m unable to load paytm wallet using zomato/Uber. Anyone else facing this issue ?
Working fine for me.
Yes, I’m also facing this issue since last month.
I have tried loading money to my friends paytm wallet(using the same amex credit card which did not work for my wallet) and it worked. But now only 2000 I can load using credit cards. Previously 10000 was the limit.
Yes facing the same issue. Any alternatives?
PayTM monthly cap reduced to Rs 2K for me on Uber / Zomato.
Thats, true. Did you figure any alternative for it.
Mine is 0 , cant load paytm via uber/zomato
Same with me, I think they disabled loading money from third party apps
Overall they allow only upto 2k now from apps like Uber, Zomato, Dunzo using any credit card. Further there are case to case basis checks. Like for me its only up to Rs. 500 from Uber.
ON 1st of October this offer received on My Amex Platinum Travel Card
45K Taj vouchers when spend milestone of ₹475000
“Shop this Diwali with your American Express® Card”
Offer Period : 1 October 2021 until 15 November 2021.
I have different amount that you said
Is this offer also available in icicic Amex credit card ?
You can pay rent using paymatrix. Load money into mobikwik using amex and pay via mobikwik. Charges are high, but you will still be on the green with such ongoing offers where return is >5%.
Do we have similar offer in ICICI Amex credit card ?
Amex continues to add attractive offers to make these spend based offers work out for customers. Now they’ve come up with a 10 percent up to 1750 off on Amazon. I also received a fuel offer for later in the month, starting on from 24th Oct. There was a 12 percent off on BB Daily as well.
One cannot double dip using More Value offer on Platinum card as the cashback is reduced from spend.
I confirmed this with CC and the same is mentioned in TnC as well.
Has anyone faced the issue with Bonus points with Amex. There was an offer on Amex for 25 bonus points for every 100 spend through Reward multiplier in March. I did some shopping on Ajio using the same within the period and rewards points are still not credited till date and only some 600 points were credited around September end out of around 9000 which were supposed to be credit.
Can we really trust the Amex on this as they say 150 days for fulfillment and they exclude Sat and Sun which is approx. 30 to to 34 weeks from transaction
I am struggling to get Bonus MR points for February itself. Personally, I have lost trust in AmEx for fulfillment of Rewards Multiplier and have stopped channeling my spends there.
It certainly is extremely painful to track and follow-up with Amex to get the due MR points once you have fulfilled the offer condition from your end. Amex, in my opinion, in very keen to find ways and means to not award the bonus points even if the offer condition was met. I recently followed-up with them (over multiple emails and calls) to check regarding 5 of the offers they rolled out in the last one year where the requisite points were not posted to my account. I am still chasing them for a resolution. Interestingly, I strangely discovered that Amex seems to be the only one which doesn’t consider your overall spend amount for meeting the spend threshold. For instance, if the Amex offer was to get a certain benefit (say 10K bonus MR points) on spending 50K within a specific duration – and if you spend 52K on say Amazon to buy something – you would presume that you have met the offer condition and hence you should get the 10K bonus MR points after the 120 odd days – but you wont get them as Amex excludes the inbuilt GST component in that purchase (assume its 5%) – which comes close to 3K – from the spend amount – so the net ‘post-GST’ amount would be reduced to 49K and hence as per them the offer condition was not fulfilled!!!!!!!!!! And this GST component is not visible at all while making a purchase on any of the popular eComm portals – you can however see it if you download the invoice and check therein.
I have not seen any other bank following this practice. So please beware of this while making your purchases… for something which attracts the highest slab of GST, you may need to end up purchasing for an amount in excess of 20-30% to meet the spend threshold.
Wow, I am hearing this first time!!!
Fortunately, my spend was never on boarder line in past for threshold based campaigns. But good to know this 🙂
Also, other component where Amex does not fulfill offer is reward multiplier, as bonus point will never get credited in this life 😉 so be careful with that as well.
I am on the receiving end of the same confusion. After chasing AmEx CC on chat and call for more than 3 months, today I got the response that only for Valentine’s week Reward multiplier spend target offer (50k), the spends exclusive of GST are counted for the spend. Apparently, same was mentioned in the TnC but AmEx keeps updating the same page and it is impossible to refer to the particular offers TnC after its expiry.
I am utterly disappointed with, otherwise exceptional, AmEx services and customer care knowledge w.r.t. this offer.
I have raised the TAT issued on Twitter recently and a lot of people chimed in on it too. 150 Working Days (Almost 7 Months) is just horrible.
As for the March Offer, even I had the same issue. I had escalated it and the response from Amex was that the March Offer was Women’s Day offer and applicable only on specific Brands under Reward Multiplier and not all brands. Rest of the brands would get the normal Reward Multiplier Points.
Hi,
Has anyone found out a way since paytm wallet load is not possible thru uber anymore??
Direct paytm wallet load thru amex cards a fee of 2.6% is being charged.
Anyone from this credit card freak community has a way for this then humble request to please share.
Plus one
Seems no way this time. They have plugged every gap.
Nowadays paytm charges 4.65% for amex and 4.3% for other cards for wallet load.
But still some people are enjoying lower rates so don’t know why different rates.
Got offer from Amex for my MRCC points. Get e-voucher worth ₹1,000 for up to 25% lesser points. Don’t know if it’s customised offer or open for all. Bought 1k amazon voucher using 3900 points which previously costed 4200 points.
It’s for all. They still give very poor value.
Looking for some suggestion to acheive the spend targets
1. Any chances for rent payment?
2. Any chances for paytm wallet reload at lower rates?
1. Any chances for rent payment?
– I don’t think so
2. Any chances for paytm wallet reload at lower rates?
– You can load to paytm using 3rd party apps like Uber, Bounce etc with no charges.
You can load to paytm up to 10000 with 3% cashback
Anone got the vouchers ? What is the fulfilment time for the offer ? I reached spend target early on but no idea on the vouchers.
Fulfilment date is 15 March 2022
That is very late 🙁
Need to check if my milestone voucher is valid till than or expires before that 😀
Anyone got the vouchers for this offer or we have to wait till last date ? Most of the times AMEX will fulfill earlier than committed time.
Fulfilled today.
Received the vouchers today
Yes, I also received my 10k voucher today!!
Accumulated around 45k of vouchers in last 2 years, Taj Goa here I come now 😀
Hey Saurabh, the validity of the vouchers ranges from 90 days to a year. I’m not sure how you’ve accumulated over 2 years. Though you can extend the expired vouchers, do check if the oldest one is still valid
I got the voucher today.
Yeah, I also got today.. (sometime after posting the comment here 🙂 )
Received my voucher at 11AM.
Wow, I received my voucher at 11 am, and saw this post update at 11:32!
You’re awesome @CardExperts! 🙂
I had received the 40k for 4.5L spends offer and had missed seeing the email. This post originally made me go hunting for the offer in my inbox and I immediately lapped it up.
It is unlike AMEX to make us wait this long for a “benefit”. But thanks to you, I made back 40k as TAJ Vouchers. Kudos.
I too received 10K voucher today, is there any way I can sell it online as I am not in a position to use now.
Now if you want to meet any cardexperts in-person, head to a Taj, and you ll find them there 😀
Would anybody be kind enough to list out some taj properties at a tourist place where we may have at least 2/3 nights for 30/40k voucher?
Most of the properties, i was checking are retailing at 20k + . In this case, even my 35k vouchers are not good enough for 2 nights !
Curious to understand how do you all manage such big spends (assuming no unnecessary spends just to qualify for voucher) in such a short offer period? Any specific tricks? 🙂
Got a near impossible target to spend 3L for 12K Taj voucher. Spend window is upto 10Nov. Also at 4% that’s lower than previous years 6-7% returns.