Amex Platinum Charge Card vs BOB Premier Credit Card
Detailed comparison of these two popular credit cards
Winner
Amex Platinum Charge Card
American Express
Super PremiumVS
BOB Premier Credit Card
Bank of Baroda
PremiumAnnual Fee
₹78K vs FREE
Effective Rate
(cash value)
0.9% vs 0.5%
Lounge Access
Unlimited vs 4/year
Detailed Comparison
| Feature | Amex Platinum Charge Card | BOB Premier Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹78K | FREE |
| Annual Fee | ₹78K | FREE |
| Fee Waiver | None | LTF till Mar 2026 |
| Forex Markup | 3.5% | 3.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.875% | 0.5% |
Lounge Access | ||
| Domestic Lounges | Unlimited | 4/year |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹60.0L | ₹6.0L |
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
BOB Premier Credit Card is Best For
Free premium card with travel benefits
Watch Out
- • LTF offer valid till Mar 2026
Our Verdict
Based on overall features and value,
Amex Platinum Charge Card wins!
Score: 57vsScore: 38
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