Amex Platinum Charge Card vs HDFC Millennia
Detailed comparison of these two popular credit cards
Winner
Amex Platinum Charge Card
American Express
Super PremiumVS
HDFC Millennia
HDFC Bank
Mid-Range*
Different Reward Types
Card 1 gives ⭐ Reward Points while Card 2 gives 💵 Cashback. We're showing effective cash values for fair comparison.
Annual Fee
₹78K vs ₹1K
Effective Rate
(cash value)
0.9% vs 1.0%
Lounge Access
Unlimited vs 8/year
Detailed Comparison
| Feature | Amex Platinum Charge Card | HDFC Millennia |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹78K | ₹1K |
| Annual Fee | ₹78K | ₹1K |
| Fee Waiver | None | Spend ₹1L annually |
| Forex Markup | 3.5% | 3.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | 💵Cashback |
| Effective Cash Value | 0.875% | 1% |
Lounge Access | ||
| Domestic Lounges | Unlimited | 8/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
HDFC Millennia is Best For
Online shoppers on major platforms
Watch Out
- • 5% cashback capped at ₹1000/month
Our Verdict
Based on overall features and value,
Amex Platinum Charge Card wins!
Score: 57vsScore: 34
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