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American Express Platinum Travel Credit Card Apply Now	Citibank PremierMiles Credit Card Apply Now	Axis Bank Magnus Credit Card Apply Now
Joining Fee Nil	Joining Fee Rs. 3,000 plus applicable taxes (complimentary for Citi Gold account holders)	Joining Fee Rs. 12,500 + GST
Rewards and Benefits
Welcome Benefits 10,000 Membership Rewards Points	Welcome Benefits 10,000 Miles on the spends of Rs. 1,000 or more in the first 2 months of card issuance.	Welcome Benefits Choose a gift voucher worth Rs. 12,500 from any one of Luxe, Yatra, or Postcard Hotels
Rewards Rate 1 Membership Rewards Points for every Rs. 50 spent	Rewards Rate 10 Miles/Rs. 100 spent for airline transactions and 4 Miles/Rs. 100 spent for all other transactions. No Miles earned on certain spends categories (details below).	Rewards Rate 12 Axis EDGE REWARDS Points for every Rs. 200 spent with the card, 5X EDGE REWARDS on travel spends via TRAVEL EDGE.
Movie & Dining Up to 20% discount at select restaurants.	Movie & Dining Up to 20% discount on dining bills at partner restaurants.	Movie & Dining 20% Discount at 4,000+ Restaurants Across India Under the Axis Dining Delights Program
Reward Redemption Membership Rewards Points can be redeemed for online shopping vouchers, INSTA rewards for offline purchases, transfer to various flight and hotel loyalty programmes and for making credit card bill payments under the Cash + Points scheme.	Reward Redemption 1 Mile = 0.5 AirMile for partner airlines, 1 Mile = Re. 0.45 for travel related categories, 1 Mile = Re. 0.30 for utility, fuel and retail categories, and 1 Mile = Re. 0.20 for other categories.	Reward Redemption Axis EDGE REWARDS Points can be redeemed on the EDGE REWARDS portal at a value of 1 Edge Reward = Re. 0.20 or Transfer to Partner Airlines/Hotels Rewards Program.
Travel Complimentary domestic airport lounge access per year and Priority Pass membership for international lounge access.	Travel Miles earned can be used to make travel bookings or transfer to various hotel/flight loyalty programs, complimentary domestic airport lounge access	Travel Complimentary Airport Lounge Access, and Discounted Stays at Oberoi Hotels
Golf N/A	Golf N/A	Golf NA
Domestic Lounge 2 Domestic Lounge Access Every Quarter (8 Each Year)	Domestic Lounge 6 domestic lounge access/quarter with MasterCard variant.8 domestic lounge access/quarter with Visa Signature variant.	Domestic Lounge Unlimited Free Domestic Airport Lounge Access
International Lounge Priority Pass Membership (lounge access program) with USD 99 annual fee waived off.	International Lounge N/A	International Lounge Unlimited complimentary international airport lounge access for primary cardholders and 8 complimentary visits for the guests every year with Priority Pass
Insurance Benefits N/A	Insurance Benefits Personal air accident cover worth Rs. 1,00,00,000.	Insurance Benefits Credit shield protection worth Rs. 5 lakh (in case the card is lost) and a purchase protection worth Rs. 2 lakh.
Zero Liability Protection No liability on cardholder for fraudulent use provided the loss of card is reported within 3 days. Liability limited to Rs. 1000 if loss of card reported after 3 days.	Zero Liability Protection Zero liability protection (limited to Rs. 10 lacs) against fraudulent usage up to 2 days prior to the card block date.	Zero Liability Protection Credit shield cover worth Rs. 5 lakh, liability protection up to the card's credit limit.
Fees & Charges

Renewal Fee Rs. 5,000 + GST	Renewal Fee Rs. 3,000 plus applicable taxes (complimentary for Citi Gold account holders)	Renewal Fee Rs. 12,500 + GST
Spend Based Waiver N/A	Spend Based Waiver N/A	Spend Based Waiver Annual fee waived off on an expenditure of Rs. 25 lakhs in the preceding year.
Rewards Redemption Fee Nil	Rewards Redemption Fee Nil	Rewards Redemption Fee Nil
Foreign Currency Markup 3.5% of the transaction amount	Foreign Currency Markup 3.5% of the transaction amount	Foreign Currency Markup 2%
Interest Rates 3.5% per month	Interest Rates 3.75% per month (or 45% per annum)	Interest Rates 3.0% per month (42.58% annually)
Fuel Surcharge No fuel surcharge at HPCL fuel stations for transactions of up to Rs. 5,000, 1% surcharge on transactions above Rs. 5,000	Fuel Surcharge 1% fuel surcharge reversed at authorized Indian Oil refill stations	Fuel Surcharge 1% fuel surcharge waived off at all fuel stations across India
Cash Advance Charges 3.5% of the transaction amount subject to a minimum charge of Rs. 250.	Cash Advance Charges 2% or the amount withdrawn, subject to a minimum charge of Rs. 300	Cash Advance Charges Nil
Add-on Card Fee Nil up to 2 add-on cards, Rs. 1500/card thereafter.	Add-on Card Fee Nil	Add-on Card Fee Nil

American Express Platinum Travel Credit Card

Citibank PremierMiles Credit Card

Axis Bank Magnus Credit Card

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