American Express® Platinum Card vs HDFC Millennia Credit Card

• Earn 1,00,000 Welcome Bonus Membership Rewards® Points
• Benefits worth Rs. 37,000 every time one book at one of the 1000+ properties under the Fine Hotels & Resorts collection. Get 25% off at Taj, SeleQtions and Vivanta Hotels
• REMAIN PROTECTED WITH BENEFITS UP TO Rs. 20,000 BY AVAILING:

A. Air Accident Insurance

B. Overseas Medical Insurance

C. Purchase Protection

D. Wallet Protection

• 24X7 CONCIERGE SERVICE
• Access over 1,200 Airport Lounges globally that includes the following:

1. The Centurion® Lounge

2. American Express Lounges

3. Priority Pass™ Lounges

4. Delta Sky Club® Lounges when flying Delta

5. Escape Lounges 6. Domestic Partner Lounges in India

• Avail exclusive deals on airlines such as Emirates, Qatar Airways, Virgin Atlantic, British Airways, Air France, KLM, Delta Airlines and more
• Complimentary benefits worth Rs. 37,000 at the iconic 5-star properties, which includes guaranteed 4 pm late check-out, room upgrades at check-in when available, daily breakfast for two, WiFi or a special amenity at each property worth US$100. Hotels included are Four Seasons Hotels & Resorts, Mandarin Oriental, The Ritz-Carlton and many more
• Upgrades to Elite Tier Memberships: Taj InnerCircle Silver Tier, Marriott Bonvoy™ Gold Elite Status, Hilton Honors Gold Status, Radisson Rewards Gold Status, Hertz Gold Plus Rewards
• For death due to air accident, get Coverage of Rs. 5 Cr, for loss of checked-in baggage, passport or documents., get coverage of Rs. 50,000, and avail complimentary Overseas Medical Insurance for US$ 50,000 for the first seven days of a trip
• Avail 3X Membership Reward points on everything, every time you spend abroad
• Access VIP-only events, pre-sale tickets and best seats in the house for concerts, Fashion Weeks, Grammy Awards, Wimbledon and more
• Access favourite restaurants around the world such as Hakkasan London, Zuma Rome, Nobu New York, Cipriani Dubai and many more
• Enjoy access to Platinum Fine Dining at restaurants in Delhi/NCR, Mumbai, Bengaluru, Chennai, Kolkata and other cities. Enjoy meals with a glass of wine and/or dessert at restaurants like Masala Bay, Spicy Duck, The Lodhi, Vetro and Enoteca etc
• Up to 50% off at over 1800 premium restaurants in India with a complimentary membership to EazyDiner Prime. Other privileges include a complimentary drink, preferential reservations & a 24X7 VIP helpline
• Complimentary access to more than 30+ golf courses across India

• Renewal Offer: Spend Rs. 1 lakh or more in the previous 12 months to waive the renewal membership fee for the next year
• Avail 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
• Avail 1% cashback on all other spends
• Get Rs. 1000 worth of gift vouchers on spends of Rs. 1,00,000 and above in each calendar quarter
• Up to 20% discount on partnered restaurants via Swiggy Dineout
• Zero lost card liability
• Up to 50 days of interest-free period from the date of purchase
• Revolving Credit is available at a nominal interest rate 
• Enjoy amazing dining benefits with the Good Food Trail program
• Save up to 20% on your restaurant bill payments at more than 20,000 restaurants with Swiggy Dineout. This offer includes both restaurant and Swiggy discounts and is only available for payments made through the Swiggy App
• Lounge access has been added to the quarterly spend milestone program, effective from December 1, 2023. Once a user achieves a quarterly spend milestone, they can choose to receive either a Dreamfolks airport lounge access voucher or a Rs. 1000 voucher from a list of available brands
• 1% fuel surcharge waiver at all fuel stations in India. This is valid on transactions between Rs. 400 and Rs. 5000 
• Convert big spends into EMI after purchase
• This card is equipped with contactless payment technology for added convenience and speed

Pros

• Healthcare Offers are as follows:

1. Up to 20% off on health check-ups, OPD Consultation, dental treatments

2. Discounted stays at villas with wellness experiences

3. 20% off on skincare & beauty products

4. 15% off on pharmacy 

5. Special discounts on spa services at Atmamtan Spa, O2, Tattva

• Hype Luxury Car Rentals Offers Earn: Avail benefits worth up to Rs. 90,000 annually
• Fraud protection worth Rs. 15 Lakh and Emergency Hotel and Travel Assistance up to Rs. 2 Lakh and emergency cash in India

Cons

• Extremely high Annual Fee with no first-year waiver
• High minimum payment
• Variable APR/Interest Rates

Pros

• Get 7% Reward points on every Shoppers Stop spends
• Get 2% Reward points on every Non-Shoppers Stop spends
• Enjoy Complimentary Shoppers Stop Black membership worth Rs. 4500

Cons

• No golf/coaching sessions
• No proper lounge access benefits