Annual Fee
₹5,000
Free
Joining Fee
₹5,000
Free
Fee Waiver Spend
N/A
N/A
Forex Markup
3.5%
0%
Card Comparison
American Express Platinum Travel vs Scapia
American Express Platinum Travel vs Scapiacompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.
American Express Platinum Travel
American Express
Fee₹5,000+GST
Eff. rate1%
CapNone
Fee
₹5,000+GST
Eff. rate
1%
Cap
None
Quick take
How they compare
American Express Platinum Travel and Scapia suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: Free vs ₹5,000 annual fee. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.
At a glance
American Express Platinum Travel
- Annual fee
- ₹5,000 + GST
- Everyday rate
- 1%
- Monthly cap
- No cap
Notable strengths
- No monthly reward cap
Scapia
- Annual fee
- Free
- Everyday rate
- 2%
- Monthly cap
- No cap
Notable strengths
- No monthly reward cap
- Low forex markup (0%)
Each card's own strengths — not a ranking. Weigh them against where you actually spend.
48 specs · 12 sections
American Express Platinum Travel
Scapia
Feature
American Express Platinum Travel
Scapia
Reward Type
Reward Points
Reward Points
Base Rate
1%
2%
Online Rate
—
2%
Offline Rate
—
2%
Effective Base Rate
1%
2%
Point Value
₹0.5
₹0.2
Redemption Quality
HIGH
MEDIUM
Best Redemption
₹0.5
₹0.2
Worst Redemption
₹0.18
₹0.2
Grocery / Supermarkets
1%
2%
Fuel / Petrol / Diesel / CNG
0% (Excluded)
2%
Restaurants / Dine-in
1%
2%
Flights, Hotels, OTAs, Tour Operators
1%
2%
Other Retail / Catch-all
1%
2%
Monthly Cap
No cap
No cap
Est. Annual Cap
No cap
No cap
Total Excluded
5 categories
2 categories
Fuel / Petrol / Diesel / CNG
Excluded
Earns rewards
Electricity, Water, Gas, Internet, DTH, Mobile Recharge
Excluded
Earns rewards
Insurance Premiums
Excluded
Earns rewards
Rent Payments
Earns rewards
Excluded
Domestic Visits/Year
8
-1
International Visits/Year
None
None
Priority Pass
Yes
No
Est. Annual Value
₹3,520
₹5,280
Forex Markup
3.5%
0%
International Rate
No
Yes
Description
10,000 Membership Rewards Points on payment of annual fee and spending ₹15,000 within 90 days of Cardmembership
—
Estimated Value
₹4,000
—
Fuel Surcharge Waiver
Yes
Yes
Best Suited For
Travel, Shopping
Travel, Shopping
Min Income
₹50,000/month
Not specified
Income Proof
Required
Not required
Secured FD
No
No
Accepting Applications
Yes
No
Network
American Express
Visa, RuPay
Card Tier
Platinum
Entry
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Frequently asked questions
- What are the annual fees for American Express Platinum Travel Credit Card and Scapia Credit Card?
- American Express Platinum Travel Credit Card has ₹5,000 + GST. Scapia Credit Card has no annual fee. Fees are shown before 18% GST, which is added on the bill.
- What base reward rate does each card earn?
- American Express Platinum Travel Credit Card earns about 1% on general spends; Scapia Credit Card earns about 2%. Category and partner rates may differ — see the table above.
- What is the forex markup on each card?
- American Express Platinum Travel Credit Card: 3.5%. Scapia Credit Card: 0% (plus 18% GST on the markup).
- Do both cards include airport lounge access?
- American Express Platinum Travel Credit Card: yes — see the lounge row above for limits. Scapia 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 Travel · Federal Bank - Scapia