Amex Platinum Charge Card vs Kotak White Reserve
Detailed comparison of these two popular credit cards
Amex Platinum Charge Card
American Express
Super PremiumVS
Winner
Kotak White Reserve
Kotak Mahindra Bank
Super PremiumAnnual Fee
₹78K vs ₹13K
Effective Rate
(cash value)
0.9% vs 2.5%
Lounge Access
Unlimited vs Unlimited
Detailed Comparison
| Feature | Amex Platinum Charge Card | Kotak White Reserve |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹78K | ₹13K |
| Annual Fee | ₹78K | ₹13K |
| Fee Waiver | None | Spend ₹10L annually |
| Forex Markup | 3.5% | 2% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.875% | 2.5% |
Lounge Access | ||
| Domestic Lounges | Unlimited | Unlimited |
| Priority Pass | Yes | Yes |
Eligibility | ||
| Min. Income | ₹60.0L | ₹36.0L |
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
Kotak White Reserve is Best For
Ultra-premium lifestyle with unlimited lounges
View Kotak White Reserve DetailsOur Verdict
Based on overall features and value,
Kotak White Reserve wins!
Score: 57vsScore: 73
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