From time to time American Express runs tactical promotions offering points on all sorts of spends to invigorate spending in that category. There are many such offers ongoing. However, these are targetted, two being Insurance and Utility Spends.

Earlier this month, an email popped in my mailbox offering up to 5,000 points on insurance payments on my American Express Platinum Card I was happy for two reasons. Some of my insurance premiums are due for payment in February, and this offer is valid until March 31, 2021. Two, with a reasonable chunk of premiums due I could use this promotion to the maximum. Different variants of this Insurance offers were rolled out to other members, but the number of points they could earn varied.

Yesterday, I received another email with a limited time offer on my American Express Platinum Card which said – Spend INR 30,000 or more on your card and earn 6,000 Bonus Points. With a timeframe of 3 days and no significant purchases on the horizon, I was disappointed that I’ll miss this opportunity. After all, 6,000 Membership Rewards points are good to get a free night stay at Marriott hotels.

While discussing the missed opportunity with Ajay, we realised that there is a way to maximise the offer and earn the 5,000 points on insurance and double-dip on the bonus 6,000 points offer on spending. All I had to do was prepay my insurance premium by January 26.

Since the terms and conditions state that all spending are valid for the bonus points offered, the insurance premiums have now been paid and 11,000 Membership Reward points have been duly earned.

If you have American Express Cards and have received communication for both these promotions, you can similarly double-dip by enrolling in the insurance promotion (a sign-up link has been sent to members), and the minimum spends offer (Platinum is valid till January 26, other cards till January 31).

Do note that this is a targetted offer and members will have received an email from Amex if targetted. While I was targeted for both the offers, Ajay did not receive either of them.

What offers do you have on your American Express cards and how are you planning to double-dip them?

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