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Comparison · हिन्दी

Amex Platinum Travel vs Amex Membership Rewards

Both cards compared on real rupee returns for Amex Platinum Travel vs MRCC which better credit card India. We ran the numbers so you can make the right call.

Last updated: September 2026 · Based on current card terms
AMERICAN E
PLATINUM TRAVE
ASHOK KUMAR
VS
AMERICAN E
MEMBERSHIP REW
ASHOK KUMAR
Our verdict
Amex Platinum Travel Credit Card wins for most people
Card A wins by ₹4 annually, but the difference is negligible. Choose based on your redemption preferences and ability to hit Card B's monthly milestones rather than pure benefit value.
Side-by-side comparison
Amex Platinum Travel Credit Card ✓ American Express Membership Rewards Credit Card
Annual benefit ₹400 ₹396
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹5,000 + taxes ₹1,000 joining + ₹4,500 renewal (100% waived on ₹1.5L spend; 50% waived on ₹90K–₹1.49L spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 1 Membership Reward point per ₹50; bonus on travel bookings 1 MR point per ₹50 on eligible spends (excl. fuel, utilities, insurance); 1,000 bonus MR on 4 transactions ≥₹1,500/month; 1,000 bonus MR on ₹20,000/month spend
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 visits/year (domestic) No lounge access
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Travel rewards and airline miles Reward-focused users who can meet monthly milestones and redeem via Gold Collection for up to 9% on Taj vouchers
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹6L+ per year ₹6L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+ 700+
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When each card wins
Amex Platinum Travel Credit Card
Card A is better if you prioritize travel bookings and airline miles redemption. The simpler earning structure and exclusive travel bonuses make it ideal for frequent flyers despite higher annual fees.
American Express Membership Rewards Credit Card
Card B suits you if you can consistently spend ₹20,000+ monthly and redeem via Taj Gold Collection vouchers at 9% value. The lower renewal fee and milestone bonuses offset the slightly lower calculated benefit.
Who should get which card
Get Amex Platinum Travel if you…
· Frequent travelers who book flights and hotels regularly
· Prefer straightforward earning without monthly spending targets
· Value airline miles and travel-specific redemptions
Get American Express Membership Rewards if you…
· Can meet ₹20,000/month spend threshold consistently
· Want lower annual fees (₹4,500 vs ₹5,000+)
· Prefer Taj voucher redemptions and lifestyle benefits
Partner offer
IDFC FIRST Ashva Credit Card
Frequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the app
Apply now →
IDFC
ASHOK KUMAR

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Related guides
American Express Membership Rewards vs Amex SmartEarn →Amex Platinum Travel vs Axis Bank Atlas →Amex Platinum Travel vs HDFC Regalia Gold →Best Travel Credit Cards →Best Credit Cards for Salaried Employees →Best Premium Credit Cards →
Frequently asked questions
Based on our analysis, Amex Platinum Travel Credit Card offers better annual returns for most spend profiles.
Amex Platinum Travel Credit Card has an annual fee of ₹5,000 + taxes. American Express Membership Rewards Credit Card has an annual fee of ₹1,000 joining + ₹4,500 renewal (100% waived on ₹1.5L spend; 50% waived on ₹90K–₹1.49L spend).
Amex Platinum Travel Credit Card offers 1 Membership Reward point per ₹50; bonus on travel bookings. American Express Membership Rewards Credit Card offers 1 MR point per ₹50 on eligible spends (excl. fuel, utilities, insurance); 1,000 bonus MR on 4 transactions ≥₹1,500/month; 1,000 bonus MR on ₹20,000/month spend.
Amex Platinum Travel Credit Card lounge access: 4 visits/year (domestic). American Express Membership Rewards Credit Card lounge access: No lounge access.
Amex Platinum Travel Credit Card charges 3.5% forex markup. American Express Membership Rewards Credit Card charges 3.5% forex markup.