BOI SwaDhan Rupay Platinum vs American Express Membership Rewards Credit Card

Joining Fees

₹0

₹1,000

Editor's Rating

3.7

4.1

Key Features

  • SwaDhan Rupay Platinum Credit Card is issued against TDR
  • The Card is valid in India, Nepal and all foreign centers across the Globe, wherever Rupay logo is displayed
  • Avail 2 StarPoints on every Rs. 100 on regular spends, and 3 StarPoints on every Rs. 100 on spends at merchant falling under the Preferred Category
  • Fuel Transaction Surcharge: 1% of transaction amount 
  • Annual Membership Renewal Fee Waived if total spends on American Express Credit Card is Rs.1,50,000 and above; else 50% annual membership renewal fee will be waived off if total spends is Rs.90,000 to Rs.1,49,999
  • Earn 1,000 Bonus Membership Rewards Points for simply using your Card 4 times on transactions of Rs. 1,000 and above every month
  • Earn 5,000 Membership Rewards Points upon First Year Card Renewal, on payment of Annual Membership Fee. Points to be credited within 90 days of Card renewal
  • Redeem Points from the fabulous 18 and 24 Karat Gold Collection
  • Exciting Discounts of up to 20% every time you dine at select restaurants

Editor's Review

Pros

  • Redeem StarPoints to get free gifts, merchandise and services from BOI redemption platform. The platform of free gifts, merchandise and services includes: Airline tickets, Personalized products, Bus tickets, Movie tickets, Entertainment products, Electronic items, Family, Home, Fashion & Beauty products, Music and Sports products, and Limited-time Seasonal Rewardz, etc
  • Interest free credit for up to 51 days and revolving credit at preferential rate
  • EMI at POS facility available on POS that are managed/owned by M/S WorldLine Private Limited irrespective of Bank

Cons

  • No Golf Privileges 
  • No Airport Lounge access 

Pros

  • Use your American Express Credit Card for your next big purchase & pay in EMI
  • Fuel Convenience Fee Waiver
  • One of the highest point to INR conversion rates in the market

Cons

  • No Golf/coaching sessions
  • No complimentary Airport Lounge access
  • High Renewal Fee


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