Platinum Credit 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 / ₹40 spent on eligible categories; Travel: 3 Membership Rewards Points / ₹40 spent on overseas spends; Fuel: 5 Membership Rewards Points / ₹100 spent on fuel
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 / ₹200 spent on domestic spends; International Spends: 30 EDGE REWARD Points / ₹200 spent on international spends
| Feature | Platinum Credit Card | 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 / ₹40 spent on eligible categories; Travel: 3 Membership Rewards Points / ₹40 spent on overseas spends; Fuel: 5 Membership Rewards Points / ₹100 spent on fuel | Domestic Spends: 15 EDGE REWARD Points / ₹200 spent on domestic spends; International Spends: 30 EDGE REWARD Points / ₹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 ₹35,000 voucher on spending ₹20 lakh in the membership year and payment of renewal fee | Not Listed |
| Redemption | Air miles: upto ₹ 0.6 per point; Statement credit: upto ₹ 0.25 per point | Air miles: upto ₹ 0.4 per point; Statement credit: upto ₹ 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 |