Amex Platinum Charge Card vs PNB RuPay Select
Detailed comparison of these two popular credit cards
Winner
Amex Platinum Charge Card
American Express
Super PremiumVS
PNB RuPay Select
Punjab National Bank
Mid-RangeAnnual Fee
₹78K vs ₹750
Effective Rate
(cash value)
0.9% vs 0.5%
Lounge Access
Unlimited vs 2/quarter
Detailed Comparison
| Feature | Amex Platinum Charge Card | PNB RuPay Select |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹78K | ₹500 |
| Annual Fee | ₹78K | ₹750 |
| Fee Waiver | None | Use once per quarter |
| Forex Markup | 3.5% | 3.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.875% | 0.47% |
Lounge Access | ||
| Domestic Lounges | Unlimited | 2/quarter |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹60.0L | ₹3.6L |
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 Select is Best For
PSU bank customers wanting lounge access + insurance
Watch Out
- • Low reward rate compared to private bank cards
Our Verdict
Based on overall features and value,
Amex Platinum Charge Card wins!
Score: 57vsScore: 18
Related Comparisons
Amex Platinum Charge Card vs HDFC Infinia Metal
HDFC Bank
Amex Platinum Charge Card vs HDFC Diners Club Black
HDFC Bank
Amex Platinum Charge Card vs HDFC Millennia
HDFC Bank
Amex Platinum Charge Card vs HDFC Swiggy Credit Card
HDFC Bank
Amex Platinum Charge Card vs HDFC IndianOil Credit Card
HDFC Bank
Amex Platinum Charge Card vs ICICI Emeralde Private Metal
ICICI Bank