#1-₹2,052/yr
RBL World Safari
4X points · Travel & Miles
Best net value on this list — about -₹2,052/yr in your pocket after fees on typical spends.
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Age 21–60 · From ₹60,000/mo income · Unsecured
Travel & Miles·American Express
Best when you hit annual spend milestones.
Age 21–60 · From ₹60,000/mo income · Unsecured
Key Benefits
All 10 benefits →Travel
3X Membership Rewards/₹150
Milestone
₹10K Taj voucher at ₹7L/year spend
Mar 2026 revision — was ₹4L
Lounge
Priority Pass membership
Intl lounge
Priority Pass — internatio…
PP membership included; visit limits per Amex T&Cs — not spend-gated
Signup bonus: ₹10,000 (year 1)
High annual fee — may not pay off at moderate spend
At ₹31,000/mo, net value is -₹5,120/yr after fees. It turns positive around ₹58,333/mo — and at heavy spend (₹65,000/mo) we estimate ₹5,380/yr.
Model your spends in the calculator →Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Issuer updates and CardHungry deep-dives that affect this card.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: Amex Platinum Travel T&Cs (Mar 2026 milestone revision)
Flights, hotels, zero forex options
Source: Amex Platinum Travel T&Cs (Mar 2026 milestone revision)
Travel
3X Membership Rewards/₹150
Milestone
ChangedMar 2026 revision — was ₹4L See what changed
₹10K Taj voucher at ₹7L/year spend
Lounge
Priority Pass membership
Lounge access
Priority Pass — international lounge network
Spend criteria: PP membership included; visit limits per Amex T&Cs — not spend-gated
See worked examples of how points convert to cash value
travel — 3 pts per ₹150 spend
You spend
₹10,000
You earn
200 pts
Worth ≈
₹100
@ ₹0.50/point
all — 1 pts per ₹150 spend
You spend
₹10,000
You earn
67 pts
Worth ≈
₹33.33
@ ₹0.50/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.50/pt in calculations.
Based on moderate spend for this market
Est. net annual
-₹5,120
per year
Annual fee
₹5,900
per year
Effective return
-1.4%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹5,000 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year
₹5,000
Annual / renewal fee
Charged every year unless waived
₹5,000
Forex markup
3.5% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
21–60 years · ₹60,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₹31,000/mo), gross rewards are about ₹1,200/year. After the ₹5,000 annual fee, net value is approximately -₹5,120/year. Use the calculator above to model your own spends.
₹60,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent, Small merchants.
Deeper rankings and comparisons for similar use cases.
RBL World Safari
4X points · Travel & Miles
Best net value on this list — about -₹2,052/yr in your pocket after fees on typical spends.
SBI Card ELITE
5X reward points · Travel & Miles
Strong runner-up at -₹3,818/yr net — roughly ₹1,766 behind #1 on the same spend mix.
HSBC TravelOne Credit Card
4 points/₹100 · Travel & Miles
Worth a look — -₹5,239/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
