BOI SwaDhan Rupay Platinum vs American Express® Platinum Reserve

• 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 

• Welcome Gift of 11,000 Bonus Membership Rewards Points
• Complimentary Airport Lounge accesses such as American Express and other Domestic Lounges in India. Also, get a Complimentary Membership to Priority Pass, with the US$99 Annual Membership Fee waived off
• Avail privileges at Taj Hotels Palaces Resorts Safaris; Preferred Hotel Group
• Get special benefits at Max Healthcare and various other curated benefits for mind, body and soul
• Complimentary access to leading Golf courses in India

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

• Relax luxuriously in the American Express Platinum Lounge at Delhi Domestic Terminal
• Avail movie or online shopping vouchers worth Rs.6,000 per year
• Special privileges at Taj, SeleQtions and Vivanta Hotels; Preferred Hotels & Resorts
• Redeem the Points for over 500 options that include travel, dining, accessories and more

Cons

• Poor reward structure
• Absence of bonus reward points on milestone spends
• High-interest rates
• High Annual Fee