Amex Platinum Charge Card vs RBL Bank Insignia
Detailed comparison of these two popular credit cards
Winner
Amex Platinum Charge Card
American Express
Super PremiumVS
RBL Bank Insignia
RBL Bank
Super PremiumAnnual Fee
₹78K vs ₹7K
Effective Rate
(cash value)
0.9% vs 1.3%
Lounge Access
Unlimited vs 2/quarter (₹35K spend req)
Detailed Comparison
| Feature | Amex Platinum Charge Card | RBL Bank Insignia |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹78K | ₹7K |
| Annual Fee | ₹78K | ₹7K |
| Fee Waiver | None | Spend ₹10L annually or Insignia PB customer |
| Forex Markup | 3.5% | 1.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.875% | 1.25% |
Lounge Access | ||
| Domestic Lounges | Unlimited | 2/quarter (₹35K spend req) |
| Priority Pass | Yes | Yes |
Eligibility | ||
| Min. Income | ₹60.0L | ₹24.0L |
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: 41
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