Amex Platinum Reserve Credit Card vs Amex Platinum Travel Credit Card

Amex Platinum Reserve Credit Card vs Amex Platinum Travel Credit Card

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

ParameterAmex Platinum Reserve Credit CardAmex Platinum Travel Credit Card

Annual fee

  • First year fee: Rs. 10,000 plus applicable taxes
  • Second year onwards: Rs. 10,000 plus applicable taxes
  • First year fee: Rs. 5000 plus applicable taxes
  • Second year onwards: Rs. 5,000 plus applicable taxes

Reward earning rate

  • Earn 1 membership reward point per Rs. 50 spent except for spends on fuel, utilities, cash transactions, insurance, and EMI conversion at the point of sale
  • Earn 1 membership reward point per Rs. 50 spent except for spends on fuel, insurance, utilities, cash transactions, and EMI conversion at the point of sale.

Fee waiver

  • Get an annual fee waiver of Rs. 10,000 on reaching milestone spends of Rs. 10,00,000 and above in the previous year

  • No annual fee waiver

Finance charges

  • 3.5% per month
  • A revised interest rate of 3.99% will be charged per month if the minimum payment due is not paid by the due date thrice in a 12 month period
  • 3.5% per month
  • A revised interest rate of 3.99% will be charged per month if the minimum payment due is not paid by the due date thrice in a 12 month period

Cash advance fee

  • 3.5% of the cash advance amount, subject to a minimum of INR 250.
  • 3.5% of the cash advance amount, subject to a minimum of INR 250

Welcome gift

  • Get a welcome gift of 11,000 bonus membership reward points
  • Get a welcome gift on spending Rs. 15,000 within 90 days of receiving the card.
  • Get 10,000 membership reward points that can be redeemed for a Flipkart voucher or Pay with Points option worth Rs. 3,000.

Vouchers

Movie or online shopping vouchers:

  • Get movie or online shopping vouchers worth Rs. 12,000 per year on spends of Rs. 50,000 every month

Travel vouchers:

  • Get a Flipkart voucher or travel benefits worth Rs. 4,500 on reaching milestone spends of Rs. 1.90 lakhs in a year.
  • Further, get a Flipkart voucher or travel benefits worth Rs. 7,500 on spending Rs. 4 lakhs in a year.

Airport Lounges

  • Free access to international and domestic airport lounges across India.
  • Also, enjoy complimentary membership to priority pass with the annual membership fee waiver of US$99.
  • Enjoy 8 complimentary visits per year (Limited to 2 complimentary visits per quarter) to airport lounges across India.

Special privileges

  • Golfing privileges: Complimentary access to 32 plus lush green courses in India that come without a green fee twice a month, on reaching milestone spends of Rs. 50,000 per month.
  • Elite Tier privileges: Get complimentary Accor Plus traveler, Taj Epicure, and EazyDiner Prime membership
  • Fuel convenience fee waiver at HPCL: Zero percentage of convenience fee on fueling up at HPCL
  • Enjoy other benefits like health and wellness, purchase protection, concierge and other services, zero lost card liability, contactless payment for purchases less than Rs. 2000.

  • Taj experiences e-gift card: Get a Taj Experiences E-Gift card worth Rs. 10,000 from the Taj, Vivanta hotels, and SeleQtions
  • Fuel convenience fee waiver at HPCL: Zero percentage of convenience fee on fueling up at HPCL
  • Enjoy other benefits like zero lost card liability, platinum services, and contactless payment.

Fine Dining

  • Enjoy exciting discounts of up to 20% every time you dine at select restaurants
  • Enjoy attractive discounts of up to 20% every time you dine at select restaurants.

Eligibility Criteria for both the Credit Cards

CriteriaAmex Platinum Reserve Credit CardAmex Platinum Travel Credit Card

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 CardAmex Platinum Reserve Credit Card
  • This card offers huge reward points

  • Attractive travel voucher benefits for those frequent travelers and those who prefer to stay with Taj Hotels.

  • Easy and flexible redemption of reward points by choosing other items from the catalogue.
  • This card offers luxurious domestic lounge access at the Delhi Domestic terminal

  • Avail movie or online shopping vouchers worth Rs. 6,000 per year

  • Get exclusive benefits at Taj, SeleQtions, and Vivanta Hotels.

  • Redeem the points for more than 500 options that vary across the categories of travel, dining, accessories, and much more.

Disadvantages

Amex Platinum Travel Credit CardAmex Platinum Reserve Credit Card
  • No complimentary golf/coaching sessions.

  • There are not many benefits on entertainment.

  • No annual or joining fee reversal
  • Poor reward structure

  • Absence of bonus reward points on milestone spends.

  • High-interest rates

  • High Annual Fee

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)

Can I convert the purchases made using the American Express Platinum Reserve Credit Card into EMIs?

Does Amex Platinum have an annual travel credit card?

What is the age criteria to get an American Express credit card?

Can you make a contactless payment with the American Express credit card?

Can I get add-on credit cards with my American Express Platinum Travel credit card?

Related Articles

Related Post

Know Your CIBIL Score, Enjoy Better Loan Approvals!
Check Your Free CIBIL Score Now!