American Express Platinum Reserve Credit Card

Axis Vistara Platinum Credit Card

Best For

Shopping

Dining

Grocery Shopping

Best For

Shopping

Online Food Ordering

Travel

Cashback

APPLY AND GET1750 GIFT CARD

Cashback

APPLY AND GET425 GIFT CARD

Top Benefits

  • through complimentary EazyDiner Prime membership, Accor hotel dining offers, and select Taj restaurant privileges
  • on spending ₹30,000 within 90 days of Cardmembership and payment of the annual fee

Top Benefits

  • access on spending ₹50,000 in the previous 3 calendar months
  • spent redeemable for upgrades and award flights via Air India Maharaja Club

Welcome Benefits

Welcome Benefits

  • Welcome Gift of 11,000 Bonus Membership Rewards® Points on spending ₹30,000 within 90 days of Cardmembership first year on annual fee payment

Welcome Benefits

Welcome Benefits

  • One complimentary one-way Economy Class base-fare-waived ticket voucher on the Air India domestic network, issued as a welcome gift on fee payment

Travel Benefits

Flight Benefits

  • Redeem Membership Rewards points for travel bookings (flights/hotels) and other options via eligible platforms

Bus Benefits

  • This card does not offer any benefits in this category

Cab Benefits

  • This card does not offer any benefits in this category

Railway Benefits

  • This card does not offer any benefits in this category

Travel Benefits

Flight Benefits

  • Earn 2 Maharaja Points for every ₹200 spent on eligible spends
  • Redeem Maharaja Points for Flight Upgrades and Award Flights via Air India Maharaja Club
  • Save up to 15% instantly on Flights and Hotels via Goibibo and MakeMyTrip every Wednesday

Railway Benefits

  • This card does not offer any benefits in this category

Cab Benefits

  • This card does not offer any benefits in this category

Bus Benefits

  • This card does not offer any benefits in this category

Lounge Benefits

Airport Lounge Benefits

  • 12 complimentary domestic lounge visits per year (max 3 per quarter)
  • 2 complimentary international lounge visits per year via Priority PassTM
  • Complimentary Priority Pass membership (worth $99) for access to 1,400+ lounges in 100+ countries

Railway Lounge Benefits

  • This card does not offer any benefits in this category

Lounge Benefits

Airport Lounge Benefits

  • 2 Complimentary Domestic Airport Lounge accesses at select airports within India
  • Minimum spend of ₹50,000 in the previous 3 calendar months required to unlock Lounge Access
  • For newly issued cards, the minimum spend criteria is waived for the month of issuance and the following 3 calendar months

Railway lounge Benefits

  • This card does not offer any benefits in this category

Movie Tickets

Movie Benefits

  • Get movie or online shopping vouchers worth ₹12,000 per year on spending ₹50,000 each month

Movie Tickets

Movie Ticket Benefits

  • This card does not offer any benefits in this category

Dining Benefits

Dining Benefits

  • Save Up To 30% on dining for up to 10 people and 15% off beverages at up to 1,200 restaurants and bars in Asia Pacific with complimentary ALL Accor+ Explorer membership
     

Dining Benefits

Dining Benefits

  • This card does not offer any benefits in this category

Fuel Benefits

Fuel Benefits

  • This card does not offer any benefits in this category

Fuel Surcharge Waiver Benefits

  • Fuel convenience fee waiver at HPCL on eligible transactions

Fuel Benefits

Fuel Benefits

  • This card does not offer any benefits in this category

Fuel Surcharge Waiver Benefits

  • This card does not offer any benefits in this category

Insurance

Insurance Benefits

  • This card does not offer any benefits in this category

Insurance

Insurance Benefits

  • Purchase protection cover up to ₹1,00,000
  • Travel-related coverage up to USD 300 for loss of travel documents
  • Coverage for delay of check-in baggage
  • Coverage for loss of check-in baggage

Bank Offers

Bank Offer

  • Access to 100+ exclusive offers across categories like retail, travel, and dining

Bank Offers

Bank Offer

  • Wednesday Delight offers every Wednesday on partner platforms
  • Save up to 15% instantly on flights and hotels via Goibibo and MakeMyTrip every Wednesday
  • Get 10% off on orders via Swiggy and Amazon Fresh every Wednesday
  • Get 10% off on Tira purchases up to ₹1,000 every Wednesday

Joining Fee

₹10000

Joining Fee

₹1500

Joining Fee Waiver

Welcome Gift of 11,000 Bonus Membership Rewards® Points on spending ₹30,000 within 90 days

Joining Fee Waiver

1 complimentary economy class ticket on card issuance

Annual Fee

₹10000

Annual Fee

₹1500

Annual Fee Waiver

The annual fee is waived if you spend ₹10 lakh or more in a year on your card, as per bank policy.

Annual Fee Waiver

Not Applicable

Minimum Age

18

Minimum Age

18

Maximum Age

60

Maximum Age

70

Income (Salaried)

6 LPA

Income (Salaried)

6 LPA

Income (Self-Employed)

6 LPA

Income (Self-Employed)

6 LPA

Credit Score Required

720

Credit Score Required

720

Employment Type

Salaried & Self-Employed

Employment Type

Salaried & Self-Employed

Forex Markups

3.50%

Forex Markups

3.50%

APR Fees

3.50%

APR Fees

3.75%

ATM withdrawal

3.50%

ATM withdrawal

2.50%

Reward Redemption Fees

Not Applicable

Reward Redemption Fees

Not Applicable

Link for all T&Cs

View T&C

Link for all T&Cs

View T&C

Railway Surcharge

1.80%

Railway Surcharge

As prescribed by IRCTC / Indian Railways

Rent Payment Fees

Not Applicable

Rent Payment Fees

1%

Cash Payment Fees

₹250

Cash Payment Fees

₹175

Check Payment Fees

Not Applicable

Check Payment Fees

2%

Max Fee

1300

View Breakdown

Max Fee

750

View Breakdown

All Reversals

All Reversals

Cancelled Transactions

Cancelled Transactions

Cash Advances

Cash Advances

ATM Cash Withdrawals

ATM Cash Withdrawals

Quasi-Cash Transactions

Quasi-Cash Transactions

Money Transfers

Money Transfers

P2P Transfers

P2P Transfers

Wallet Loads

Wallet Loads

Gift Cards and Vouchers

Gift Cards and Vouchers

EMI Spends

EMI Spends

Bank Charges & Fees

Bank Charges & Fees

Late Payment Fees

Late Payment Fees

Processing Fees

Processing Fees

Financial Charges

Financial Charges

Interest Charges

Interest Charges

Payment Returned Charges

Payment Returned Charges

Service/Interest Charges

Service/Interest Charges

Transaction Charges

Transaction Charges

Education Spends

Education Spends

Fuel Spends

Fuel Spends

Fuel Surcharge

Fuel Surcharge

Toll Payments

Toll Payments

Gambling Transactions

Gambling Transactions

Lottery

Lottery

Online Skill-Based Gaming

Online Skill-Based Gaming

Government-related Transactions

Government-related Transactions

Utility Bill Payments

Utility Bill Payments

Telecom

Telecom

Taxes

Taxes

Insurance Payments

Insurance Payments

Jewellery Purchases

Jewellery Purchases

Forex Transactions

Forex Transactions

Cryptocurrency/Digital Asset Transactions

Cryptocurrency/Digital Asset Transactions

Rent Payment

Rent Payment

Railways

Railways

Transportation

Transportation

Business Services

Business Services

Contracted Services

Contracted Services

Collection Agencies

Collection Agencies

Security Broker Services

Security Broker Services

Charity

Charity

Donations

Donations

Antique Items

Antique Items

Load Money

Load Money

Liquid Assets

Liquid Assets

Outstanding Payments

Outstanding Payments

Voucher Purchases

Voucher Purchases

Miscellaneous

Miscellaneous

Donations to Religious Organizations

Donations to Religious Organizations

Donations to Political Organizations

Donations to Political Organizations

Smartpay

Smartpay

Smartbuy portal

Smartbuy portal

The smartest way to find your great credit card

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