Membership Rewards Credit Card
Rs 4,500Annual fee
Rs 1,50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Membership Rewards, Monthly Milestones, Shopping, Vouchers
Top rewards
Retail: 1 Membership Rewards Point / ₹50 spent on eligible categories; Partner Merchants: 2 Membership Rewards Points / ₹50 spent via Reward Multiplier on select brands
Platinum Travel Credit Card
Rs 5,000Annual fee
8Domestic lounge
Domestic lounge conditions
- Domestic lounge access requires quarterly spending, and is capped at 2 visits per calendar quarter
- Priority Pass membership fee of US$99 is waived; lounge visit charges are payable at actual prevailing rates
3.5%Forex markup
Best for
Travel, Milestones, Lounge, Taj, Membership Rewards
Top rewards
Base: 1 Membership Rewards Point / ₹50 spent; Partner Merchants: 3 Membership Rewards Points / ₹50 spent via Reward Multiplier on select brands
| Feature | Membership Rewards Credit Card | Platinum Travel Credit Card |
|---|---|---|
| Issuer | American Express | American Express |
| Network | American Express | American Express |
| Joining fee | Rs 1,000 | Rs 5,000 |
| Annual fee | Rs 4,500 | Rs 5,000 |
| Fee waiver spend | Rs 1,50,000 | - |
| Reward type | Membership Rewards | Membership Rewards |
| Best for | Membership Rewards, Monthly Milestones, Shopping, Vouchers | Travel, Milestones, Lounge, Taj, Membership Rewards |
| Top reward categories | Retail: 1 Membership Rewards Point / ₹50 spent on eligible categories; Partner Merchants: 2 Membership Rewards Points / ₹50 spent via Reward Multiplier on select brands | Base: 1 Membership Rewards Point / ₹50 spent; Partner Merchants: 3 Membership Rewards Points / ₹50 spent via Reward Multiplier on select brands |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 8 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | 1,000 Bonus Membership Rewards points on 4 transactions of ₹1,500 or more in a calendar month, Additional 1,000 Membership Rewards points on spending ₹20,000 or more in a calendar month | 10,000 Membership Rewards points on spending ₹4 lakh in a cardmembership year, Taj Experiences voucher worth ₹20,000 on spending ₹7 lakh in a cardmembership year |
| Redemption | Air miles: upto ₹ 0.5 per point; Statement credit: upto ₹ 0.25 per point | Air miles: upto ₹ 0.6 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | fuel, insurance, utilities, cash transactions, EMI conversion at point of sale, excluded spends as per American Express terms | fuel, utilities, insurance, cash transactions, EMI conversion at point of sale, excluded spends as per American Express terms |