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American Express Platinum Charge Card Apply Now	HDFC Bank INFINIA Metal Credit Card Apply Now	Citibank Prestige Credit Card Apply Now	Axis Bank Magnus Credit Card Apply Now	HDFC Bank Diners Club Black Credit Card Apply Now
Joining Fee Rs. 60,000 + GST	Joining Fee Rs. 12,500 + GST	Joining Fee Rs. 20,000 + GST	Joining Fee Rs. 12,500 + GST	Joining Fee Rs. 10,000 + GST
Rewards and Benefits
Welcome Benefits SeleQtions, Taj, and Vivanta Hotels Vouchers Worth Rs. 45,000. 10,000 Referral Bonus Membership Rewards Points	Welcome Benefits Welcome bonus of 12,500 Reward Points and complimentary Club Marriott membership for the first year offering 20% discounts on dining and stay in the Asia-Pacific region.	Welcome Benefits 2,500 bonus reward points and a benefit worth Rs. 10,000 from ITC hotels or the Taj group.	Welcome Benefits Choose a gift voucher worth Rs. 12,500 from any one of Luxe, Yatra, or Postcard Hotels	Welcome Benefits Get complimentary annual membership of Forbes, Club Marriott, Times Prime, MMT Black, Amazon Prime, and Swiggy One (3 Months) on spending Rs. 1,50,000 or more in the first 90 days of card issuance
Rewards Rate 1 MR on every Rs. 40, 3X Rewards on all international spends, and 5X Rewards Points on transactions via the AmEx Reward Multiplier portal.	Rewards Rate 5 Reward Points on every retail spend of Rs. 150, reward rate of up to 3.3%	Rewards Rate 1 Reward Points for every Rs. 100 on domestic spends, 2 Reward Points for every Rs. 100 on international spends.	Rewards Rate 12 Axis EDGE REWARDS Points for every Rs. 200 spent with the card, 5X EDGE REWARDS on travel spends via TRAVEL EDGE.	Rewards Rate 5 Reward Points on every spend of Rs. 150. 10x Reward Points on SmartBuy and 2x Reward Points on weekend dining
Movie & Dining Complimentary membership to EazyDiner and a discount of up to 50% at 1,800 premium restaurants across India.	Movie & Dining 1 + 1 Complimentary Buffet at ITC Hotels and 15% off With Swiggy Dineout	Movie & Dining Up to 50% off on movie ticket bookings on BookMyShow.	Movie & Dining Buy one and get up to Rs. 500 off on the next movie/non-movie ticket on BookMyShow (max 5 times a month), 20% discount at 4,000+ restaurants across India under the Axis Bank Dining Delights program.	Movie & Dining 2X Reward Points on weekend dining
Reward Redemption Membership Rewards Points can be redeemed against dining, travel, and accessories on AmEx's Membership Rewards Redemption portal.	Reward Redemption RPs can be redeemed for flight and hotel bookings via SmartBuy (1 RP = Re. 1), Airmiles through net banking (1 RP = 1 Airmile), products and vouchers via net banking or SmartBuy (1 RP = Rs. 0.50), Apple and Tanishq vouchers (1 RP = Re. 1) cashback (1 RP = Rs. 0.30)	Reward Redemption 1 Reward Point = Re. 1, 1 RP = 4 Airmiles for redemption against airmiles, 1 RP = 1 Taj InnerCircle point and 1 reward point = 4 IHG points.	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.	Reward Redemption HDFC Bank Diners Club Black Reward Points are redeemable for flight/hotel bookings (1 RP = Re. 1) on SmartBuy, for AirMiles (1 RP = 1 AirMile), on Diners Club exclusive rewards redemption catalog (1 RP = Re. 0.5) and for cashbacks (1RP = Rs. 0.30).
Travel Access to over 1,300 airport lounges across over 130 countries, 24x7 global Platinum Concierge Service, and travel-related insurance benefits, including a life cover of Rs. 5 crores.	Travel Complimentary Priority Pass Membership	Travel Unlimited complimentary airport lounge access worldwide through the Priority Pass, a complimentary extra night at any hotel around the world (for min. 4 nights stay).	Travel Complimentary international as well as domestic airport lounge access, airport concierge services and discounted stays at Oberoi Hotels.	Travel Complimentary lounge access at 1,000+ airports in India and abroad, Reward Points redeemable for flight and hotel bookings on SmartBuy (1RP = Re. 1).
Golf Complimentary access to premium domestic and international golf courses	Golf Unlimited complimentary golf games at leading golf courses across India and abroad. Unlimited golf coaching at multiple golf courses across India	Golf 4 complimentary rounds and lessons of golf annually at over 15 golf destinations in India, and an additional golf lesson for every Rs. 50,000 spent.	Golf NA	Golf 6 complimentary golf games per quarter at some of the most premium golf destinations around the world.
Domestic Lounge Unlimited Free Airport Lounge Access	Domestic Lounge Unlimited Free Domestic Airport Lounge Access	Domestic Lounge Unlimited with Priority Pass (for primary and add-on cardholders)	Domestic Lounge Unlimited Free Domestic Airport Lounge Access	Domestic Lounge Unlimited complimentary access to the domestic lounges
International Lounge Access to over 1,200 Airport Lounges globally including American Express Lounges, Priority Pass Lounges and Delta Lounges.	International Lounge Unlimited free access to international lounges across the globe for the primary cardmember and all add-on cardholders.	International Lounge Unlimited with Priority Pass (for primary and add-on cardholders)	International Lounge Unlimited complimentary international airport lounge access for primary cardholders and 8 complimentary visits for the guests every year with Priority Pass	International Lounge Unlimited complimentary access to the international lounges
Insurance Benefits Personal air accident coverage worth Rs. 5 crore, cover of Rs. 50,000 for loss of check-in Baggage/ passport/ document, overseas medical insurance of USD 50,000 for the first 7 days of the trip.	Insurance Benefits Insurance cover worth Rs. 3 crores against accidental air death, a cover worth Rs. 50 lakh against medical emergencies during international air travel, and credit shield cover worth Rs. 9 lakh	Insurance Benefits Air accident cover worth Rs. 5 crore, lost card protection worth Rs. 10,o00,000, overseas medical insurance worth USD 50,000.	Insurance Benefits Credit shield protection worth Rs. 5 lakh (in case the card is lost) and a purchase protection worth Rs. 2 lakh.	Insurance Benefits Travel-related insurance benefits including an air accident cover worth Rs. 2 crores, emergency overseas hospitalization cover worth Rs. 50 Lakhs, and a credit liability cover worth up to Rs. 9 lakh.
Zero Liability Protection Cardholders will not be considered liable for any fraudulent transaction if loss of card is reported within 72 hours. Maximum liability of up to Rs. 1,000 on reporting after 3 days.	Zero Liability Protection In case the card is lost, if you report the same within 24 hours, you have zero cost liability on any fraudulent transaction made with your credit card. Bank not liable for any fraudulent transaction made prior to the time of reporting.	Zero Liability Protection Protection worth Rs. 10,00,000 from 96 hours prior to 48 hours post the reporting the loss of card.	Zero Liability Protection Credit shield cover worth Rs. 5 lakh, liability protection up to the card's credit limit.	Zero Liability Protection Zero liability protection worth Rs. 9 lakh against a lost/stolen card.
Fees & Charges

Renewal Fee Rs. 60,000 + GST	Renewal Fee Rs. 12,500 + GST	Renewal Fee Rs. 20,000 + GST	Renewal Fee Rs. 12,500 + GST	Renewal Fee Rs. 10,000 + GST
Spend Based Waiver N/A	Spend Based Waiver Get renewal fee waived by spending Rs. 10 lakh in the previous year.	Spend Based Waiver N/A	Spend Based Waiver Annual fee waived off on an expenditure of Rs. 25 lakhs in the preceding year.	Spend Based Waiver Waiver of renewal fee on spending Rs. 5,00,000 in the previous year.
Rewards Redemption Fee Nil	Rewards Redemption Fee Nil	Rewards Redemption Fee Nil	Rewards Redemption Fee Nil	Rewards Redemption Fee Nil
Foreign Currency Markup 3.5% of the transaction amount	Foreign Currency Markup 2% of the total transaction amount + taxes	Foreign Currency Markup 3.5% (plus applicable taxes)	Foreign Currency Markup 2% of the transaction plus GST	Foreign Currency Markup 1.99% (plus applicable taxes)
Interest Rates 3.5% per month	Interest Rates 1.99% per month or 23.8% annualized	Interest Rates 3.75% per month or 45% annually	Interest Rates 3.0% per month (42.58% annually)	Interest Rates 1.99% per month (or 23.88% annually)
Fuel Surcharge Fuel surcharge is waived at all HPCL fuel stations for purchases up to Rs. 5,000, 1% surcharge applicable on BPCL and IOCL stations and 2.5% surcharge applicable at all other fuel stations.	Fuel Surcharge 1% fuel surcharge waiver up to Rs. 1,000 each month	Fuel Surcharge 1% fuel surcharge waived at authorised Indian Oil outlets.	Fuel Surcharge 1% fuel surcharge waived off at all fuel stations across India	Fuel Surcharge 1% fuel surcharge waived (max waiver capped at Rs. 1,000/month and min transaction of Rs. 400 required).
Cash Advance Charges 3.5% of the advanced amount subject to a minimum charge of Rs. 250.	Cash Advance Charges NIL (Interests charges applicable)	Cash Advance Charges 2% of the withdrawn amount, subject to a minimum amount of Rs. 300.	Cash Advance Charges Nil	Cash Advance Charges Higher of 2.5% of the amount withdrawn or Rs. 500.
Add-on Card Fee Nil up to 2 add-on cards	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil

American Express Platinum Charge Card

HDFC Bank INFINIA Metal Credit Card

Citibank Prestige Credit Card

Axis Bank Magnus Credit Card

HDFC Bank Diners Club Black Credit Card

Rewards and Benefits

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