Amex Platinum Reserve vs Amex Platinum Card
Amex Platinum Reserve is better for its partner brands, while Amex Platinum Card wins on online shopping, groceries, food delivery & dining. Amex Platinum Reserve is cheaper to keep (₹10,000/year).
American Express
Amex Platinum Reserve℠ Credit Card
•••• 9337Amex
American Express
The Amex Platinum Card®
•••• 8940Amex
| Amex Platinum Reserve℠ Credit Card | The Amex Platinum Card® | |
|---|---|---|
| Issuer | American Express | American Express |
| Network | Amex | Amex |
| Best for | Lounges & lifestyle | Ultra-premium travel |
| Headline benefit | Lounges + golf | Unlimited lounges |
| Joining fee | ₹10,000 | ₹66,000 |
| Annual fee | ₹10,000 | ₹66,000 |
| Fee waiver | None | None |
| Works on UPI | No | No |
| Lounge access | Domestic + international | Unlimited worldwide |
| Online shopping rewards | 1.2% | 1.5% |
| Groceries rewards | 1.2% | 1.5% |
| Food delivery & dining rewards | 1.2% | 1.5% |
| Fuel rewards | – | – |
| UPI scan & pay rewards | – | – |
| Bills & recharges rewards | – | – |
| Travel & flights rewards | 1.2% | 1.5% |
| Everything else rewards | 1.2% | 1.5% |
| Apply now | Apply now |
Choose Amex Platinum Reserve if…
- International lounge access
- Golf and lifestyle privileges
- Hotel and dining benefits
Watch out for
- ₹10,000 annual fee
- Modest base reward rate
- Amex acceptance is limited at small merchants
Choose Amex Platinum Card if…
- Unlimited lounges worldwide
- Hotel elite status
- Metal card with concierge
Watch out for
- ₹66,000 + GST annual fee
- Only worth it for very frequent travellers
- Charge card, so the bill must be paid in full
Verdict
Amex Platinum Reserve is better for its partner brands, while Amex Platinum Card wins on online shopping, groceries, food delivery & dining. Amex Platinum Reserve is cheaper to keep (₹10,000/year). Many people hold both: the two cards cover different categories, so using each where it earns most maximises your total rewards. Try the card finder with your own spends to see the exact difference.