Amex Offers: 5K discount on Flipkart & 10K MR on Insurance Spends

By | September 4, 2021
Amex Offer - Flipkart 5000 INR

Just like those raining Amex Offers for August 2021, this September too we’ve good set of offers coming up every now and then. So far we’ve two offers and we could expect more to come for obvious reasons. Here are the offer details:

Flipkart: 5000 INR Instant Discount

  • Offer: 10% instant Discount
  • Min. Spend: Rs.50000
  • Max. Discount: 5000 INR
  • Offer period: 4th & 5th Sep 2021
  • Offer email

This offer is applicable on select categories and fortunately eligible on Gift cards too. Not a surprise, as anyway gift cards can’t be used for some sensitive type of txns like gold coins, etc.

Update: currently not eligible on gift cards.

The beauty of this offer is that you can double dip this with other offers.

Insurance Offer: 10,000 MR Points

  • Offer: Earn 15 MR per 100 INR
  • Max. Cap: 10,000 MR
  • Offer period: 4th Sep – 30th Nov 2021
  • Type: Targeted Offer, needs enrolment.
  • Offer email

Amex usually runs insurance offers like this for all but this time I’m surprised to see it getting targeted only for select cardholders.

Another interest difference is that now they’re asking only for DOB to enrol into the offer. They’re probably tuning the personalised offer system even further.

Author: Siddharth

Helping Indians to choose right credit cards, pick right offers and enjoy luxury vacations for less. Day & night exploring the spiritual reality of our human existence.

46 thoughts on “Amex Offers: 5K discount on Flipkart & 10K MR on Insurance Spends

  1. Hariharan

    I also got the mailer for the Insurance offer. Is it applicable for LIC payments as well or only the ones associated with Amex like ICICI Lombard

      1. Rajesh Subramani

        Please refer the terms and conditions:
        Only eligible transactions going through merchant platforms will be eligible for Membership Rewards® points. Transactions going through an aggregator (like Paypal, Paytm, PayU etc.) may not trigger Membership Rewards® points.

        LIC use PAYTM payment gateway . will it works?

      2. Mani

        Hi Sid, thanks for all the wonderful knowledge you share. Just wanted to inform that LIC currently only shows Paytm as the payment gateway and amex team has confirmed that it won’t be applicable for this offer since T&C mention no payment aggregators. It would be great if anyone has any alternative way to pay for LIC. Thanks

  2. MT

    Would you suggest to use the 2x on infinia or 15MR/Rs100 on amex ? Have car insurance renewal coming up

    1. Siddharth Post author

      2x = 6.6% on Super Premium
      15MR = 7.5% roughly

      I would go with Amex.

      1. Niju

        Hi Sid,

        I couldn’t find any minimum spend value associated with this offer.
        I believe it will be a cumulation of all spends post enrolment until 30th November and done directly on Insurance Websites and not through Third Parties.

    2. Abhi

      Rather try using 3X offer of payzapp wherever payzapp works, albeit having a lower cap.

    3. Praveen Katiyar

      For Infinia, the 2x offer(1000 points max.) on HDFC max out at 15,000.
      For MRCC, the 15MR per 100 (10000 points max.) on Amex max out at 66,000.

      I feel the HDFC offer has very low max limit.
      And as Sid said, I will also go with Amex, both because higher limit and higher return.

      1. Prem Taparia


        For Infinia, the 2x offer(1000 points max.) on HDFC actually maxes out at 30,000. The 1000 points capping is on the bonus 1X part. I’ve confirmed this with HDFC Customer Care. So if you spend Rs30K on insurance, you’ll get 1000 REGULAR points in the coming statement and then further 1000 BONUS points in the next statement.

  3. AAJ

    Hi Sid, pls suggest how to use Fk 5k offer for fk gift vouchers. It didn’t show any discount to me when I added and moved to payment.

    1. Siddharth Post author

      I could see the 5k discount on desktop interface for e gift cards.

      1. AAJ

        oh.. unfortunately I am not able to see anything for Flipkart voucher. Else it would be a sweet deal for 50k -5k -30k on Plat Chrg. 🙂

      2. Pawan Nayak

        I was able to use the Amex offer on Flipkart to purchase the Malabar 10g 24k gold coin below the current spot price. The final price paid was ₹46500/-

        Per gram (22k) calculated: ₹4264/
        Market Price (22k) [04.09.21]: ₹4584/-
        Benefit: ₹320 per gram; ₹3200 per coin

    2. modded

      Yep. 5k discount not showing up on checking out with gift cards. Only on direct items purchase.

      1. Siddharth Post author

        Oops yes, now I’m not seeing it either.
        But it was reflecting by noon. Have seen with my 4 eyes 😀

        1. Kamal

          I swooped in 1L flipkart e gift vouchers (using my card and frnd card) in early morning.
          May be we are guilty for shutting down that offer for gvs now 😷

          But what you have seen is true sid 😀

    1. Sujeethkumar Ponnuswamy

      Don’t think so. NPS doesn’t come under Insurance or can be paid through flipkart.

  4. Pranab

    Received insurance offer (and successfully enrolled) on Gold card but not on MRCC.
    Didn’t receive Flipkart offer.
    Can anyone please provide the details of HDFC insurance offer?

    1. Kamal

      If someone has Gold card, can MRCC be used as a second card with LTF status?
      Hope someone can help

  5. Karthik Srinivasan

    Does any insurer accept Amex anymore? I tried ICICI, HDFC and bajaj – didnt work.

      1. Gautam Garg

        I wasn’t able to use AmEx on Tata AIG online portal about 1 week ago.

  6. Mahesh S. Panicker

    When paying LIC, do we have to do it from their app/site to get the benefit of the offer, or payment through Amazon Pay/Phonepe/Paytm would also do?

  7. Senthilkumar

    The 5k instant discount was available on 4th morning. I bought 50k*2 joyalukkas vouchers with 5k discount each. Unfortunately, the offer is not available on 4th evening.

  8. Ajai Dev

    No offer on Platinum charge card but got both on reserve credit card 😛

    Don’t plan to use either waiting for a 10% off on Amazon again

  9. Ragini

    I haven’t received both offers, and it’s disheartening.

    I neither recorded Aug offers nor the above September offers with eight years relationship and 830 CIBIL scores, and continuous payment; the targeted criteria is disappointing

  10. Neville Joseph

    The worst thing about the insurance offer is that the MR points will get credited by 20 March 2022. Not sure why Amex has given such a long period.

    1. Sandeep

      to keep the card holders hooked to amex as long as possible, As you loose out the benefits if you decide to cancel the card. Atleast till the time they can again start issuing new cards

  11. S&S

    Received Today

    Dear XXXX,
    Now earn rewards every time you make utility payments like gas, electricity and water with your American Express® Platinum Card.
    Get 10 Membership Rewards® points
    on every ₹100 spent.
    Enjoy up to 15,000* Membership Rewards® points during the offer period.
    Maximum 5,000 Membership Rewards® points in a calendar month.
    Offer valid until 30 September 2021.
    Make most of this benefit with your Card that is now stronger than ever.

    Warm regards,

  12. Reddy


    Can you please confirm whether Insurance Offer is applicable for NPS payment or not?

    1. Siddharth Post author

      I’m not into NPS thing, hope someone else could answer this.

      1. Sandeep

        I don’t think NPS payment will be treated as insurance. But one can make a small payment and after transaction posting you can call the cc to check if last transaction will be covered or not. However do remember that most card issuers are not very happy with nps payments. I think siddharth has covered this in good detail in an article sometime back.

  13. Harsh

    AMEX is not accepting payments made through lic website for the insurance offer as it is done by Paytm aggregator.

  14. Nilesh

    Anyone has idea if will also cover mediclaim insurance premiums? hope it does

    As far as LIC is concerned I think payment will be considered for reward points if payment is made on LIC website (even if paytm is the only payment gateway). Believe it’s the payments on paytm app/ amazon pay etc. which would be excluded.. if any one has tried it so far.. then please update us..

    Also someone please share the link for 2x on insurance payments on Infinia.


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