American Express Platinum Travel Credit Card
Rs 5,000Annual fee
8Domestic lounge
Domestic lounge conditions
- Domestic lounge access 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 / Rs 50 spent; partner merchants: 3 Membership Rewards Points / Rs 50 spent via Reward Multiplier on select brands
White Reserve Credit Card
Rs 12,500Annual fee
Rs 10,00,000Fee waiver spend
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited domestic lounge access for primary and add-on cardholders.
- Unlimited international lounge access via Priority Pass for primary and add-on cardholders.
2%Forex markup
Best for
premium, travel, lounge, concierge, milestones
Top rewards
All retail spends: No transactional rewards (Earns White Pass value on milestones only)
| Feature | American Express Platinum Travel Credit Card | White Reserve Credit Card |
|---|---|---|
| Issuer | American Express | Kotak Mahindra Bank |
| Network | American Express | Visa, RuPay |
| Joining fee | Rs 5,000 | Rs 12,500 |
| Annual fee | Rs 5,000 | Rs 12,500 |
| Fee waiver spend | - | Rs 10,00,000 |
| Reward type | membership rewards | White Pass |
| Best for | travel, milestones, lounge, taj, membership rewards | premium, travel, lounge, concierge, milestones |
| Top reward categories | base: 1 Membership Rewards Point / Rs 50 spent; partner merchants: 3 Membership Rewards Points / Rs 50 spent via Reward Multiplier on select brands | All retail spends: No transactional rewards (Earns White Pass value on milestones only) |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 8 | Unlimited |
| International lounge | 0 | Unlimited |
| Forex markup | 3.5% | 2% |
| Milestone benefits | 7,500 Membership Rewards points on spending Rs 1.9 lakh in a cardmembership year, 10,000 Membership Rewards points on spending Rs 4 lakh in a cardmembership year, 22,500 Membership Rewards points and a Taj stay voucher worth Rs 10,000 on spending Rs 7 lakh in a cardmembership year | Not listed |
| Redemption | Air miles: upto Rs 0.6 per point; Statement credit: upto Rs 0.25 per point | Statement credit: upto Rs 0.7 per point |
| Key exclusions | fuel, utilities, insurance, cash transactions, EMI conversion at point of sale, excluded spends as per American Express terms | Fuel spends, Rent payments, EMI transactions, E-wallet loading transactions, Insurance spends, Government spends |