Amex Platinum Charge Card vs PNB RuPay Platinum
Detailed comparison of these two popular credit cards
Winner
Amex Platinum Charge Card
American Express
Super PremiumVS
PNB RuPay Platinum
Punjab National Bank
Mid-RangeAnnual Fee
₹78K vs ₹499
Effective Rate
(cash value)
0.9% vs 0.5%
Lounge Access
Unlimited vs 2/quarter
Detailed Comparison
| Feature | Amex Platinum Charge Card | PNB RuPay Platinum |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹78K | ₹0 |
| Annual Fee | ₹78K | ₹499 |
| 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 | 2/quarter |
| 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
PNB RuPay Platinum is Best For
PSU bank customers wanting RuPay benefits
View PNB RuPay Platinum DetailsOur Verdict
Based on overall features and value,
Amex Platinum Charge Card wins!
Score: 57vsScore: 19
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