Amex Platinum Reserve Credit Card vs Amex Platinum Travel Credit Card
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Last Updated : Feb. 26, 2025, 4:14 p.m.
The American Express Platinum Reserve Credit Card or the Amex Platinum Reserve credit card is the second most premium credit card that American Express offers. It is a luxury credit card which offers great benefits across travel, dining, airport lounge access , golf, movies, online shopping, etc. The American Express Platinum Travel Credit Card or the Amex Platinum Travel credit card on the other hand is an out and out travel card for the travel enthusiasts. Travel vouchers, additional travel vouchers, airport lounge visits, and the Taj Experiences E-Gift card worth Rs. 10,000 from group hotels are some of the excellent benefits that this card offers. Let us now compare the features of both these cards from American Express. Once you compare the features and benefits, you can apply for the card. Also check the eligibility criteria which will involve parameters like income, age, citizenship, credit score, etc. Out of this, the credit score is a very important factor determining the approval of your credit card application. Do a free credit score check and view a free credit report at Wishfin.
Comparison of Amex Platinum Reserve and Platinum Travel Credit Card
Parameter | Amex Platinum Reserve Credit Card | Amex Platinum Travel Credit Card |
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Annual fee |
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Reward earning rate |
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Fee waiver |
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Finance charges |
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Cash advance fee |
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Welcome gift |
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Vouchers | Movie or online shopping vouchers:
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Airport Lounges |
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Special privileges |
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Fine Dining |
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Eligibility Criteria for both the Credit Cards
Criteria | Amex Platinum Reserve Credit Card | Amex Platinum Travel Credit Card |
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Minimum age of the applicant | 18 years | 18 years |
Having a savings account in India | Yes | Yes |
Minimum salary | Rs. 6 lakhs or above per annum | Rs. 6 lakhs or above per annum |
Self-employment period | At least 12 months | At least 12 months |
CIBIL score of the applicant | 750 and above | 750 and above |
Citizenship status of the applicant | Must be a citizen of India | Must be a citizen of India |
Which Card to Choose?
Advantages
Amex Platinum Travel Credit Card | Amex Platinum Reserve Credit Card |
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Disadvantages
Amex Platinum Travel Credit Card | Amex Platinum Reserve Credit Card |
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The American Express Platinum Reserve credit card can be chosen if you are a huge spender and can easily reach the monthly spend threshold of Rs. 50,000 to maximize your savings. If you travel frequently and enjoy luxurious hotel stays, then you can benefit from the complimentary hotel memberships with discounts. Also, choose this card only if you already have a credit card with a good reward earning rate across the categories in which you spend. This is because this card has a poor reward structure as mentioned in the disadvantages and also does not credit bonus reward points on milestone spends.
The American Express Platinum Travel credit card is a great choice for frequent travelers. Travel enthusiasts can benefit from the value-back given by the card in the form of reward points on general spends, and bonus points on reaching annual spending milestones. Users can also enjoy relaxing in the complimentary domestic lounge and redeem the membership reward points for travel bookings on the American Express Travel Online Platform. Not only this, the card can be beneficial for online shoppers, since it enables them to utilize the rewards to get Flipkart vouchers.
Conclusion
You have seen the major differences between Amex Platinum Reserve Credit Card vs Amex Platinum Travel Credit Card and now you can easily apply for a credit card as per your choice. These credit cards can be used to save a lot of extra bucks and can give you lifestyle benefits. So, the ball is in your court and you will have to choose among these American Express Credit Cards. Both of these cards will give you a credit limit as per your income and Cibil Score but their offers might differ.
Frequently Asked Questions (FAQs)