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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.
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Last updated: 18 July 2026

Both American Express Platinum Reserve Credit Card and IndusInd Bank Avios Visa Infinite Credit Card suit travel-focused spenders, but they earn and cost differently. American Express Platinum Reserve Credit Card costs ₹10,000 + GST and earns 1 Membership Rewards Point for every Rs. 50 spent with the card. IndusInd Bank Avios Visa Infinite Credit Card costs ₹10,000 + GST and earns up to 6 Avios per INR 200 on international spends, 5 Avios on airline sites, and 1-3 Avios on others. American Express Platinum Reserve Credit Card also brings 12 complimentary domestic airport lounge visits per year, limited to 3 per quarter, while IndusInd Bank Avios Visa Infinite Credit Card counters with 2 complimentary visits per calendar quarter to participating domestic lounges in India. Weigh the fee against the reward rate above to see which fits your spending pattern better.

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
Joining Fee₹10,000 + GST
Renewal Fee₹10,000 + GST
Renewal Fee₹5,000 + GST
Spend Based WaiverAnnual Membership Renewal fee of Rs. 10,000 will be 100% waived off if total spends are Rs. 10,00,000 and above.
Spend Based WaiverNot applicable.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees1.5% at Preferred International Destinations; 3.5% Everywhere Else.
Interest Rate (APR)3.5% per month.
Interest Rate (APR)3% Per Month and 36% Per Annum.

Rewards & Benefits

Welcome Bonus11,000 Bonus Membership Rewards Points on spending INR 30,000 within 90 days of Cardmembership.
Welcome Bonus20,000 bonus Avios, credited after 15 days of receipt of joining fees.
Rewards RateEarn 1 Membership Rewards Point for every Rs. 50 spent with the card.
Rewards RateUp to 6X Avios/₹200 on preferred international destinations; 5X on airline spends.
Reward TypeReward Points
Reward TypeAir Miles
Reward Redemption FeeNil
Reward Redemption FeeNil.

Travel & Lifestyle

Domestic Lounge Access12 complimentary domestic airport lounge visits per year, limited to 3 per quarter.
Domestic Lounge Access2 complimentary visits per calendar quarter at participating domestic lounges.
International Lounge AccessComplimentary Priority Pass membership with 2 complimentary international lounge visits per year.
International Lounge Access2 complimentary visits per calendar quarter via Priority Pass membership.
Travel BenefitsUSD 100 hotel credit and complimentary room upgrade at Hyatt & Hilton Hotels via Hotel Collection.
Travel BenefitsAirport meet & greet, lounge access, flight discounts, travel insurance, concierge.
Movie BenefitsEnjoy movie or online shopping vouchers worth Rs. 1,000 for an expenditure of Rs. 50,000 in a calendar month.
Movie Benefits
Dining BenefitsComplimentary memberships to ALL Accor+ Explorer, Taj Epicure, and EazyDiner Prime, offering discounts.
Dining BenefitsDining Referral and Reservation Assistance globally via concierge service.
Golf Benefits2 complimentary rounds of golf per month at over 32 premium golf destinations in India.
Golf Benefits
Fuel Surcharge WaiverNo surcharge at HPCL up to Rs. 5k. 1% at BPCL/IOCL, 2.5% at other stations.
Fuel Surcharge Waiver1% waiver for fuel spends between ₹500 and ₹10,000.

Security & Other

Insurance BenefitsRs. 1 crore personal air accident cover and purchase protection against loss, damage, or burglary.
Insurance BenefitsPersonal air accident, lost baggage, delayed baggage, loss of passport, Total Protect.
Cash Advance Charges3.5% of the advanced amount, subject to a minimum amount of Rs. 250.
Cash Advance ChargesNil (waived).
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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 travel card designed for frequent international travelers, offering a unique Avios reward program linked to Qatar Airways and British Airways. Cardholders can maximize benefits by choosing a preferred airline loyalty program and international destination, enjoying a low foreign currency markup at selected locations. It provides a comprehensive suite of travel privileges, including airport meet and greet services, lounge access, concierge services, and extensive insurance coverage, making it ideal for global spenders seeking premium travel experiences.

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.

Exceptional Avios earning rates, especially on international and airline spends.

Comprehensive travel benefits including meet & greet, lounge access, and concierge.

Low foreign currency markup of 1.5% at preferred destinations enhances global spending.

Generous milestone benefits offer up to 36,000 bonus Avios annually on target spends.

Extensive insurance coverage provides robust protection for international travel.

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 and annual fees may deter those who do not travel internationally often.

No spend-based waiver for the annual fee, requiring consistent payment each year.

Domestic lounge access is limited to two visits per quarter, which might be insufficient.

Avios earning is significantly reduced for utility, government, and education spends.

Priority Pass lounge visits within India are not complimentary for the primary cardholder.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

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