AMEX Platinum Travel Credit Card vs IDFC FIRST Select Credit Card

AMEX Platinum Travel Credit Card

IDFC FIRST Select Credit Card

Joining Fees

₹3,500

₹0

Editor's Rating

4.5

2.75

Key Features

Rewards Points can be redeemable for Travel Vouchers worth Rs. 3,500
4 complimentary visits per year to airport lounges across India
Get Taj Experiences E-Gift Card worth Rs. 10,000 from the Taj, SeleQtions and Vivanta Hotels
If you don't wish to redeem rewards points for Travel Vouchers, you can then redeem them by choosing from over 500 other redemption options
Avail 20% discounts or more every time you dine at select restaurants

Welcome Benefits include getting vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days
5% cashback on making the first EMI transaction made within 90 days of card set-up
10X Reward Points on purchases greater than Rs.20,000
6X Reward Points on all online purchases and 3X Reward Points on all offline purchases
4 complimentary domestic lounge access per quarter
4 complimentary Railway lounge access every quarter
Low foreign exchange mark-up fee of 1.99%
20% discount on 1500+ Restaurants
15% discount on 3000+ Health & Wellness Outlets
Free Road Side Assistance(RSA) worth Rs. 1,399

Editor's Review

Pros

Massive reward points on this credit card. One of the best cards with reward points
Travel benefit vouchers are great those who travel frequently and prefer to stay with Taj Hotel
The reward points earned can easily be redeemed by choosing other items from catalogue, giving a free hand to cardholders

Cons

No complimentary Golf/coaching sessions
Not many benefits on entertainment, in fact, there aren’t any.
No Annual/Joining Fee reversal comes with American Express Platinum Travel credit card

Pros

Welcome gift voucher is only provided on spending Rs.15,000 within 90 days of card set-up
Interest-free cash withdrawal available for 48 days only
The dining benefits provided by the card are satisfactory but not that great