Side-by-side · honest numbers
American Express Platinum Travel Card vs Axis Bank SELECT Credit Card
Honest side-by-side comparison of American Express Platinum Travel Card, Axis Bank SELECT 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 leads Axis Bank SELECT Credit Card by about ₹6,052/yr in estimated net value.
| Feature | American Express Platinum Travel Card American Express | Axis Bank SELECT Credit Card Axis Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹5,000 | ₹3,000 |
| Fee waiver threshold | No waiver published | Waived at ₹3,00,000/yr spend |
| Min income | ₹60,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹5,990/yr | -₹62/yr |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) |
| Top reward rate | 3X Membership Rewards/₹150 | 2 EDGE miles/₹150 |
| Primary reward cap | 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 | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Small merchants | EMI · Fuel · Rent · Wallet |
| Bonuses | ||
| Signup bonus | ₹10,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- Axis Bank SELECT Credit Card has the lowest annual fee at ₹3,000.
- 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?
- Axis Bank SELECT 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
Axis Bank SELECT Credit Card
Axis 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 | Axis BankPlatinum Axis Bank SELECT Credit Card •••• •••• •••• 4242 Quick facts Axis Bank SELECT Credit Card Top reward2 EDGE miles/₹150 Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Axis Bank SELECT Credit Card Axis Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹5,000 | ₹3,000 |
| Fee waiver threshold | No waiver published | Waived at ₹3,00,000/yr spend |
| Min income | ₹60,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹5,990/yr | -₹62/yr |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) |
| Top reward rate | 3X Membership Rewards/₹150 | 2 EDGE miles/₹150 |
| Primary reward cap | 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 | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Small merchants | EMI · Fuel · Rent · Wallet |
| Bonuses | ||
| Signup bonus | ₹10,000 | — |
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