American Express Platinum Card
Rs 66,000Annual fee
UnlimitedDomestic lounge
Domestic lounge conditions
- Global Lounge Collection includes domestic partner lounges in India.
- Global Lounge Collection includes Priority Pass lounges, The Centurion Lounge, Delta Sky Club when flying Delta, and Escape lounges.
3.5%Forex markup
Best for
ultra premium, luxury travel, hotel benefits, global lounge, concierge
Top rewards
retail: 1 Membership Rewards Point / Rs 40 spent on eligible categories; travel: 3 Membership Rewards Points / Rs 40 spent on overseas spends; fuel: 5 Membership Rewards Points / Rs 100 spent on fuel
Axis Bank Reserve Credit Card
Rs 50,000Annual fee
Rs 35,00,000Fee waiver spend
UnlimitedDomestic lounge
1.5%Forex markup
Best for
ultra premium, travel, hotels, golf, lounge
Top rewards
Domestic spends: 15 EDGE REWARD Points / Rs 200 spent on domestic spends; International spends: 30 EDGE REWARD Points / Rs 200 spent on international spends
| Feature | American Express Platinum Card | Axis Bank Reserve Credit Card |
|---|---|---|
| Issuer | American Express | Axis Bank |
| Network | American Express | Visa |
| Joining fee | Rs 66,000 | Rs 50,000 |
| Annual fee | Rs 66,000 | Rs 50,000 |
| Fee waiver spend | - | Rs 35,00,000 |
| Reward type | membership rewards | edge reward points |
| Best for | ultra premium, luxury travel, hotel benefits, global lounge, concierge | ultra premium, travel, hotels, golf, lounge |
| Top reward categories | retail: 1 Membership Rewards Point / Rs 40 spent on eligible categories; travel: 3 Membership Rewards Points / Rs 40 spent on overseas spends; fuel: 5 Membership Rewards Points / Rs 100 spent on fuel | Domestic spends: 15 EDGE REWARD Points / Rs 200 spent on domestic spends; International spends: 30 EDGE REWARD Points / Rs 200 spent on international spends |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | Unlimited | Unlimited |
| International lounge | Unlimited | Unlimited |
| Forex markup | 3.5% | 1.5% |
| Milestone benefits | Renewal benefit worth up to Rs 35,000 voucher on spending Rs 20 lakh in the membership year and payment of renewal fee | Not listed |
| Redemption | Air miles: upto Rs 0.6 per point; Statement credit: upto Rs 0.25 per point | Air miles: upto Rs 0.4 per point; Statement credit: upto Rs 0.2 per point |
| Key exclusions | insurance, utilities, cash transactions, excluded spends as per American Express Platinum Card terms | Fuel transactions, Rent payments, E-wallet loading transactions, Insurance premium payments, Purchase of gold or jewellery, Educational institution payments via third-party apps |