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Optimized for ultra premium and luxury travel, featuring unlimited airport lounge access.
Optimized for indigo and flights, featuring low 1.49% forex markup.
Lifetime free card, Optimized for lifetime free and rewards.
Optimized for fuel and indianoil, featuring complimentary lounge access.
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Spend level changes whether premium cards are worth the fee.
Lifetime free card, Optimized for cashback and upi, featuring low 2% forex markup.
| Feature | American Express Platinum Card | IndiGo IDFC FIRST Credit Card | HSBC Visa Platinum Credit Card |
|---|---|---|---|
| Best for | ultra premium, luxury travel, hotel benefits | indigo, flights, travel | lifetime free, rewards, air miles |
| Reward rates | 0% - Base reward rate upto 7.5% - accelerated reward rate | 0.5% - Base reward rate upto 6% - accelerated reward rate | 1.3% - Base reward rate upto 8% - accelerated reward rate *considering using accor redemption |
| Annual fee | Rs 66,000 | Rs 4,999 | Rs 0 |
| Domestic lounge | Unlimited | 0 | 0 |
| International lounge | Unlimited | 0 | 0 |
| Forex markup | 3.5% | 1.49% | 3.5% |