What base reward rate does each card earn?

American Express Platinum Charge Card earns about 1.25% on general spends; American Express Platinum Travel Credit Card earns about 1%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

American Express Platinum Charge Card: 3.5%. American Express Platinum Travel Credit Card: 3.5% (plus 18% GST on the markup).

Do both cards include airport lounge access?

American Express Platinum Charge Card: yes — see the lounge row above for limits. American Express Platinum Travel Credit Card: yes — see the lounge row above for limits.

Card Comparison

American Express Platinum Charge Card vs American Express Platinum Travel

American Express Platinum Charge Card vs American Express Platinum Travelcompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

American Express Platinum Charge Card

American Express

Fee₹66,000+GST

Eff. rate1.25%

CapCategory

Fee

₹66,000+GST

Eff. rate

1.25%

Cap

How they compare

American Express Platinum Charge Card and American Express Platinum Travel suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 1.25% vs 1% effective rate. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

American Express Platinum Charge Card

Annual fee: ₹66,000 + GST
Everyday rate: 1.3%
Monthly cap: No cap

Notable strengths

No monthly reward cap

American Express Platinum Travel

Annual fee: ₹5,000 + GST
Everyday rate: 1%
Monthly cap: No cap

Notable strengths

No monthly reward cap

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

43 specs · 13 sections

American Express Platinum Charge Card

American Express Platinum Travel

Feature

American Express Platinum Charge Card

American Express Platinum Travel

Annual Fee

₹66,000

₹5,000

Joining Fee

₹66,000

₹5,000

Fee Waiver Spend

N/A

Forex Markup

3.5%

Reward Type

Reward Points

Base Rate

1.25%

Effective Base Rate

1.25%

Point Value

₹0.5

Redemption Quality

HIGH

Best Redemption

₹1

₹0.5

Worst Redemption

₹0.18

Bpcl

2.5%

—

Hpcl

2.5%

—

Grocery / Supermarkets

1.25%

Fuel / Petrol / Diesel / CNG

2.5%

0% (Excluded)

Restaurants / Dine-in

1.25%

Flights, Hotels, OTAs, Tour Operators

1.25%

Other Retail / Catch-all

1.25%

Monthly Cap

Category caps apply

No cap

Est. Annual Cap

Category caps apply

No cap

Total Excluded

3 categories

5 categories

Fuel / Petrol / Diesel / CNG

Earns rewards

Excluded

Domestic Visits/Year

-1

International Visits/Year

-1

None

Priority Pass

Yes

Est. Annual Value

₹10,230

₹3,520

Forex Markup

3.5%

International Rate

Yes

Description

Gift vouchers worth up to ₹60,000 with option to choose from Taj Hotels, Luxe Gift Card, The Postcard Hotels & Resorts, on spending ₹50,000 on the Basic Card within the first 2 months of Cardmembership and payment of annual membership fee

10,000 Membership Rewards Points on payment of annual fee and spending ₹15,000 within 90 days of Cardmembership

Estimated Value

₹48,000

₹4,000

Fuel Surcharge Waiver

Yes

Best Suited For

Travel, Luxury Lifestyle, Dining

Travel, Shopping

Min Income

₹2,08,333/month

₹50,000/month

Income Proof

Required

Secured FD

Accepting Applications

Yes

Network

American Express

Card Tier

Super Premium

Platinum

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for American Express Platinum Charge Card and American Express Platinum Travel Credit Card?: American Express Platinum Charge Card has ₹66,000 + GST. American Express Platinum Travel Credit Card has ₹5,000 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: American Express Platinum Charge Card earns about 1.25% on general spends; American Express Platinum Travel Credit Card earns about 1%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: American Express Platinum Charge Card: 3.5%. American Express Platinum Travel Credit Card: 3.5% (plus 18% GST on the markup).
Do both cards include airport lounge access?: American Express Platinum Charge Card: yes — see the lounge row above for limits. American Express Platinum Travel Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: American Express - American Express Platinum Charge Card · American Express - American Express Platinum Travel