American Express Platinum Reserve Credit Card VS Axis Bank Pride Signature Credit Card VS Amazon Pay ICICI Bank Credit Card VS AU Zenith+ Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
American Express Platinum Reserve Credit Card
Axis Bank Pride Signature Credit Card
Amazon Pay ICICI Bank Credit Card
AU Zenith+ Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Offers 12 complimentary domestic lounge visits and a Priority Pass membership for frequent flyers.
Complimentary memberships to Taj Epicure, ALL Accor+ Explorer, and EazyDiner Prime.
Cardholders can enjoy 2 complimentary rounds of golf every month at premium courses across India.
Comprehensive insurance benefits, including Rs. 1 crore air accident cover and purchase protection.
Monthly milestone benefits offer valuable Flipkart/BookMyShow or other brand vouchers.
Pros
Key benefits and features.
The annual charge can be waived if you spend at least ₹40,000 in the card anniversary year.
Offers a unique patriotic theme and personalized card features.
Provides valuable travel (lounge access) and dining benefits.
Pros
Key benefits and features.
Most useful for Amazon loyalists who fulfill their online shopping via Amazon, particularly Prime members.
Lifetime free with no joining or annual fees, offering significant long-term value.
Unlimited cashback with no maximum capping on the Amazon Pay balance earned.
Reward points are automatically credited as Amazon Pay balance and have no expiry date.
Low international forex mark-up at 1.99% makes international spends more economical.
Pros
Key benefits and features.
Enjoy a very low foreign currency markup of just 0.99% on all international transactions.
Extensive travel benefits with 16 complimentary domestic and 16 international lounge accesses.
Generous welcome benefits offering luxury gift vouchers worth ₹5,000 or 5,000 Reward Points.
Valuable lifestyle perks include 16 BOGO movie tickets and 8 complimentary golf rounds annually.
Milestone benefits like Taj Epicure Membership and bonus Reward Points enhance value.
Cons
Key drawbacks and limitations.
The annual fee of Rs. 10,000 + GST is considered high for many cardholders.
The annual spend requirement of Rs. 10 Lakh for the fee waiver is quite steep.
A foreign currency markup of 3.5% is relatively high for a premium travel card.
International lounge access is limited to only 2 complimentary visits per year.
Access to American Express Centurion Lounges in Delhi and Mumbai has been discontinued.
Cons
Key drawbacks and limitations.
Interest rates are not preferential for military personnel, unlike some other defence-specific cards.
The Axis Bank Pride Signature Credit Card does not offer any international lounge access.
Reward points are excluded on common spending categories such as utilities, education, insurance, and fuel.
Cons
Key drawbacks and limitations.
Primarily focused on Amazon shopping, limiting benefits for other spending categories.
Does not provide other benefits like lounge access or entertainment, unsuitable for travelers.
Less useful for shopping on platforms other than Amazon, where the base reward rate is only 1%.
The reward rate on Amazon for non-Prime members is lower at 3% compared to 5% for Prime members.
Cons
Key drawbacks and limitations.
The annual fee of ₹4,999 + GST is relatively high, despite the spend-based waiver.
Reward points are not earned on essential categories like fuel, cash advances, and EMI spends.
A rewards redemption fee of ₹99 + GST is charged for each redemption transaction.
Quarterly caps on lounge access and movie tickets might limit usage for some users.
Some benefits of the AU Zenith+ Credit Card have experienced devaluations over time.