Side-by-side · honest numbers
American Express Platinum Travel Card vs AU Zenith Credit Card vs IndusInd Bank Crest Credit Card
Honest side-by-side comparison of American Express Platinum Travel Card, AU Zenith Credit Card, IndusInd Bank Crest Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, American Express Platinum Travel Card ranks first for estimated net annual value — ahead of IndusInd Bank Crest Credit Card by about ₹5,910/yr.
| Feature | American Express Platinum Travel Card American Express | AU Zenith Credit Card AU Small Finance Bank | IndusInd Bank Crest Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | ₹7,999 | ₹5,000 |
| Fee waiver threshold | No waiver published | No waiver published | Waived at ₹4,00,000/yr spend |
| Min income | ₹60,000/mo | ₹75,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,990/yr | -₹6,737/yr | ₹80/yr |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 3X Membership Rewards/₹150 | 3X points/₹150 | 2X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Priority Pass — international lounge network · PP membership included; visit limits per Amex T&Cs — not spend-gated | Unlimited domestic lounge access · Premium AU tier — no spend milestone stated for lounge in public benefits | Domestic lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Small merchants | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹10,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- American Express Platinum Travel Card has the lowest annual fee at ₹5,000.
- Which card earns more on moderate spend?
- American Express Platinum Travel Card leads with an estimated ₹5,990/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IndusInd Bank Crest Credit Card lists a minimum monthly income of ₹50,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
American Express Platinum Travel Card
American Express
AU Zenith Credit Card
AU Small Finance Bank
IndusInd Bank Crest Credit Card
IndusInd Bank
Your adjusted comparison
| Feature | American ExpressPlatinum American Express Platinum Travel Card •••• •••• •••• 4242 Quick facts American Express Platinum Travel Card Top reward3X Membership Rewards/₹150 Annual fee₹5,000 Min income₹60,000/mo Tap to flip back American Express Platinum Travel Card American Express | AU Small Finance BankPlatinum AU Zenith Credit Card •••• •••• •••• 4242 Quick facts AU Zenith Credit Card Top reward3X points/₹150 Annual fee₹7,999 Min income₹75,000/mo Tap to flip back AU Zenith Credit Card AU Small Finance Bank | IndusInd BankPlatinum IndusInd Bank Crest Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Crest Credit Card Top reward2X reward points Annual fee₹5,000 Min income₹50,000/mo Tap to flip back IndusInd Bank Crest Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹5,000 | ₹7,999 | ₹5,000 |
| Fee waiver threshold | No waiver published | No waiver published | Waived at ₹4,00,000/yr spend |
| Min income | ₹60,000/mo | ₹75,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,990/yr | -₹6,737/yr | ₹80/yr |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 3X Membership Rewards/₹150 | 3X points/₹150 | 2X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Priority Pass — international lounge network · PP membership included; visit limits per Amex T&Cs — not spend-gated | Unlimited domestic lounge access · Premium AU tier — no spend milestone stated for lounge in public benefits | Domestic lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Small merchants | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹10,000 | — | — |
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https://cardhungry.com/in/en/compare/amex-platinum-travel-vs-au-zenith-vs-indusind-crestMore American Express Platinum Travel Card comparisons
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