Amex Platinum Charge Card vs IRCTC BOB RuPay Credit Card
Detailed comparison of these two popular credit cards
Winner
Amex Platinum Charge Card
American Express
Super PremiumVS
IRCTC BOB RuPay Credit Card
Bank of Baroda
Mid-RangeAnnual Fee
₹78K vs ₹350
Effective Rate
(cash value)
0.9% vs 0.5%
Lounge Access
Unlimited vs None
Detailed Comparison
| Feature | Amex Platinum Charge Card | IRCTC BOB RuPay Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹78K | ₹500 |
| Annual Fee | ₹78K | ₹350 |
| Fee Waiver | None | Spend ₹50K annually |
| Forex Markup | 3.5% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.875% | 0.5% |
Lounge Access | ||
| Domestic Lounges | Unlimited | None |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹60.0L | ₹3.0L |
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
Our Verdict
Based on overall features and value,
Amex Platinum Charge Card wins!
Score: 57vsScore: 19
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