Side-by-side · honest numbers
Amex Membership Rewards CC vs American Express Platinum Travel Card
Honest side-by-side comparison of Amex Membership Rewards CC, American Express Platinum Travel Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
Amex Membership Rewards CC
American Express
American Express Platinum Travel Card
American Express
Your adjusted comparison
| Feature | Amex Membership Rewards CC American Express | American Express Platinum Travel Card American Express |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹4,500 | ₹5,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₹60,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹4,194/yr | -₹5,120/yr |
| Travel | — | ₹3,000 → 60 pts/mo × ₹0.50/pt = ₹30/mo (₹360/yr) |
| Top reward rate | 2 RP/₹150 | 3X Membership Rewards/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | Priority Pass — international lounge network · PP membership included; visit limits per Amex T&Cs — not spend-gated |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | EMI · Fuel · Rent · Small merchants |
| Bonuses | ||
| Signup bonus | ₹4,000 | ₹10,000 |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/in/en/compare/amex-mrcc-vs-amex-platinum-travelReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Amex Membership Rewards CC leads American Express Platinum Travel Card by about ₹926/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | Amex Membership Rewards CC American Express | American Express Platinum Travel Card American Express |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹4,500 | ₹5,000 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₹60,000/mo | ₹60,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹4,194/yr | -₹5,120/yr |
| Travel | — | ₹3,000 → 60 pts/mo × ₹0.50/pt = ₹30/mo (₹360/yr) |
| Top reward rate | 2 RP/₹150 | 3X Membership Rewards/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | Priority Pass — international lounge network · PP membership included; visit limits per Amex T&Cs — not spend-gated |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | EMI · Fuel · Rent · Small merchants |
| Bonuses | ||
| Signup bonus | ₹4,000 | ₹10,000 |
Frequently asked questions
- Which card has the lower annual fee?
- Amex Membership Rewards CC has the lowest annual fee at ₹4,500.
- Which card earns more on moderate spend?
- Amex Membership Rewards CC leads with an estimated -₹4,194/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Amex Membership Rewards CC lists a minimum monthly income of ₹60,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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