Amex Platinum Charge Card vs Scapia Federal Credit Card
Detailed comparison of these two popular credit cards
Amex Platinum Charge Card
American Express
Super PremiumVS
Winner
Scapia Federal Credit Card
Federal Bank
Mid-RangeAnnual Fee
₹78K vs FREE
Effective Rate
(cash value)
0.9% vs 2.0%
Lounge Access
Unlimited vs Unlimited
Detailed Comparison
| Feature | Amex Platinum Charge Card | Scapia Federal Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹78K | FREE |
| Annual Fee | ₹78K | FREE |
| Fee Waiver | None | None |
| Forex Markup | 3.5% | 0% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.875% | 2% |
Lounge Access | ||
| Domestic Lounges | Unlimited | Unlimited |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹60.0L | ₹4.0L |
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
Scapia Federal Credit Card is Best For
Best zero forex + zero fee travel card
Watch Out
- • No international lounge access
- • No rewards on international spends
Our Verdict
Based on overall features and value,
Scapia Federal Credit Card wins!
Score: 57vsScore: 73
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