HDFC Bank Platinum Plus Credit Card vs American Express® Platinum Reserve

• Get 2 reward points for every Rs. 150 spent
• Avail 50% more rewards for every Rs. 150 spends above Rs. 50,000 per statement cycle
• Avail up to three add-on cards for free
• With the EMV Chip technology in the card, stay protected against fraud
• Zero liability on lost card if reported immediately
• 50 days of interest-free credit
• Pay utility and phone bills with ease by registering the card for SmartPay

• 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

• 2 reward points for every Rs. 150 spent
• Avail 50% more rewards for every Rs. 150 spends above Rs. 50,000 per statement cycle
• Zero liability on lost card if reported immediately

Cons

• No golf benefits
• No fuel benefits
• 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