Amex Platinum Charge Card vs IDFC FIRST Select
Detailed comparison of these two popular credit cards
Winner
Amex Platinum Charge Card
American Express
Super PremiumVS
IDFC FIRST Select
IDFC FIRST Bank
Mid-RangeAnnual Fee
₹78K vs FREE
Effective Rate
(cash value)
0.9% vs 0.8%
Lounge Access
Unlimited vs 1/quarter (₹20K spend required from Apr 2026)
Detailed Comparison
| Feature | Amex Platinum Charge Card | IDFC FIRST Select |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹78K | FREE |
| Annual Fee | ₹78K | FREE |
| Fee Waiver | None | None |
| Forex Markup | 3.5% | 1.99% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.875% | 0.75% |
Lounge Access | ||
| Domestic Lounges | Unlimited | 1/quarter (₹20K spend required from Apr 2026) |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹60.0L | ₹12.0L |
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
IDFC FIRST Select is Best For
Best lifetime free card overall
Watch Out
- • Rewards reduced by 25% from 2026
- • Lounge access requires ₹20K spend from Apr 2026
Our Verdict
Based on overall features and value,
Amex Platinum Charge Card wins!
Score: 57vsScore: 41
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