Side-by-side · honest numbers
American Express Platinum Travel Card vs IDFC FIRST Select Credit Card vs IndusInd Bank Pinnacle Credit Card
Honest side-by-side comparison of American Express Platinum Travel Card, IDFC FIRST Select Credit Card, IndusInd Bank Pinnacle 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 IDFC FIRST Select Credit Card by about ₹4,170/yr.
| Feature | American Express Platinum Travel Card American Express | IDFC FIRST Select Credit Card IDFC FIRST Bank | IndusInd Bank Pinnacle Credit Card IndusInd Bank |
|---|---|---|---|
| Annual fee | ₹5,000 | ₹0 | ₹10,000 |
| Min income (monthly) | ₹60,000 | ₹30,000 | ₹75,000 |
| Top reward rate | 3X Membership Rewards/₹150 | 3X reward points | 3X points/₹150 |
| Net annual value (moderate spend) | ₹6,240/yr | ₹2,070/yr | -₹6,550/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | ₹10,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST Select Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- American Express Platinum Travel Card leads with an estimated ₹6,240/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IDFC FIRST Select Credit Card lists a minimum monthly income of ₹30,000.
- 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.
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 | IDFC FIRST BankPlatinum IDFC FIRST Select Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Select Credit Card Top reward3X reward points Annual feeLifetime Free Min income₹30,000/mo Tap to flip back IDFC FIRST Select Credit Card IDFC FIRST Bank | IndusInd BankPlatinum IndusInd Bank Pinnacle Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Pinnacle Credit Card Top reward3X points/₹150 Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Pinnacle Credit Card IndusInd Bank |
|---|---|---|---|
| Annual fee | ₹5,000 | ₹0 | ₹10,000 |
| Min income | ₹60,000 | ₹30,000 | ₹75,000 |
| Top reward rate | 3X Membership Rewards/₹150 | 3X reward points | 3X points/₹150 |
| Net value (moderate) | ₹6,240/yr | ₹2,070/yr | -₹6,550/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | ₹10,000 | — | — |
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