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American Express Platinum Reserve Credit Card VS IndusInd Bank Avios Visa Infinite Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

American Express Platinum Reserve Credit Card
American Express Platinum Reserve Credit Card
IndusInd Bank Avios Visa Infinite Credit Card
IndusInd Bank Avios Visa Infinite Credit Card

Fees & Charges

Joining Fee
₹10,000 + GST
₹10,000 + GST
Renewal Fee
₹10,000 + GST
₹5,000 + GST
Spend Based Waiver
Annual Membership Renewal fee of Rs. 10,000 will be 100% waived off if total spends are Rs. 10,00,000 and above.
Not applicable.
Foreign Transaction Fees
3.5% of the transaction amount.
1.5% at preferred international destination; 3.5% elsewhere for POS transactions.
Interest Rate (APR)
3.5% per month.
3% Per Month (36% Per Annum) on outstanding balances.

Rewards & Benefits

Welcome Bonus
11,000 Bonus Membership Rewards Points on spending INR 30,000 within 90 days of Cardmembership.
20,000 bonus Avios upon joining (after fee receipt).
Rewards Rate
Earn 1 Membership Rewards Point for every Rs. 50 spent with the card.
Earn up to 6 Avios per INR 200 on international spends, 5 Avios on airline sites, and 1-3 Avios on others.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
Nil

Travel & Lifestyle

Domestic Lounge Access
12 complimentary domestic airport lounge visits per year, limited to 3 per quarter.
2 complimentary visits per calendar quarter to participating domestic lounges in India.
International Lounge Access
Complimentary Priority Pass membership with 2 complimentary international lounge visits per year.
2 complimentary international lounge visits per calendar quarter via Priority Pass membership.
Travel Benefits
USD 100 hotel credit and complimentary room upgrade at Hyatt & Hilton Hotels via Hotel Collection.
Complimentary meet-and-greet, lounge access (domestic/international), 10% off Qatar Airways flights, travel insurance.
Movie Benefits
Enjoy movie or online shopping vouchers worth Rs. 1,000 for an expenditure of Rs. 50,000 in a calendar month.
Not Applicable
Dining Benefits
Complimentary memberships to ALL Accor+ Explorer, Taj Epicure, and EazyDiner Prime, offering discounts.
Not Applicable
Golf Benefits
2 complimentary rounds of golf per month at over 32 premium golf destinations in India.
Not Applicable
Fuel Surcharge Waiver
No surcharge at HPCL up to Rs. 5k. 1% at BPCL/IOCL, 2.5% at other stations.
1% waiver on fuel surcharge for transactions between ₹500 and ₹10,000 at any fuel station.

Security & Other

Insurance Benefits
Rs. 1 crore personal air accident cover and purchase protection against loss, damage, or burglary.
Comprehensive travel insurance, international health insurance, air accident cover, and 'Total Protect' against fraud.
Cash Advance Charges
3.5% of the advanced amount, subject to a minimum amount of Rs. 250.
Nil
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

American Express Platinum Reserve Credit Card

IndusInd Bank Avios Visa Infinite Credit Card

Who is it for?

The American Express Platinum Reserve Credit Card is a premium offering designed for individuals seeking a comprehensive suite of luxury lifestyle and travel benefits. Positioned as the second most exclusive Amex card, it provides complimentary memberships to ALL Accor+ Explorer, Taj Epicure, and EazyDiner Prime. Cardholders enjoy extensive lounge access, golfing privileges, and valuable monthly milestone vouchers. It is ideal for high spenders who can maximize its exclusive memberships and concierge services, offering a well-rounded premium experience.

Who is it for?

The IndusInd Bank Avios Visa Infinite Credit Card is an ultra-premium metal card designed for frequent international travelers. It offers a choice between Qatar Airways Privilege Club or British Airways Executive Club and allows selection of a preferred international destination for maximized Avios earnings and a low foreign currency markup. Cardholders enjoy extensive travel benefits, including complimentary lounge access, meet-and-greet services, comprehensive travel insurance, and substantial welcome and milestone Avios bonuses. This card provides significant value for globetrotters seeking a seamless and rewarding travel experience.

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.

Multi-co-branded nature allows choice of airline loyalty program and destination.

Competitive Avios earning rates, especially for international spends and airline bookings.

Low foreign currency markup of 1.5% at your chosen international destination.

Comprehensive travel benefits include lounge access, meet-and-greet, and insurance.

Significant welcome, milestone, and renewal bonus Avios can offset premium fees.

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.

High joining fee of ₹10,000 + GST and renewal fee of ₹5,000 + GST.

Benefits are primarily focused on specific airlines and international travel.

Foreign currency markup reverts to 3.5% for non-preferred international destinations.

Spend-based waiver for annual fee is not applicable, making the fee mandatory.

Avios earning rate is lower for essential spending like utilities and education.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.