Amex Membership Rewards Card vs Amex Platinum Charge Card
Detailed comparison of these two popular credit cards
Amex Membership Rewards Card
American Express
Mid-RangeVS
Winner
Amex Platinum Charge Card
American Express
Super PremiumAnnual Fee
₹5K vs ₹78K
Effective Rate
(cash value)
0.7% vs 0.9%
Lounge Access
None vs Unlimited
Detailed Comparison
| Feature | Amex Membership Rewards Card | Amex Platinum Charge Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹1K | ₹78K |
| Annual Fee | ₹5K | ₹78K |
| Fee Waiver | None | None |
| Forex Markup | - | 3.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.7% | 0.875% |
Lounge Access | ||
| Domestic Lounges | None | Unlimited |
| Priority Pass | - | Yes |
Eligibility | ||
| Min. Income | ₹6.0L | ₹60.0L |
Amex Membership Rewards Card is Best For
Regular spenders making 4+ transactions/month
Watch Out
- • Fuel excluded from Jun 2025
Amex Platinum Charge Card is Best For
Ultra luxury travelers with ₹77K to spare
Watch Out
- • No preset limit but still has shadow limit
- • Must pay full balance monthly
Our Verdict
Based on overall features and value,
Amex Platinum Charge Card wins!
Score: 21vsScore: 57
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