Amex Card Comparison

Choose the best card for your spending pattern

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13% optimized return
Gold Charge
Gold Charge Card
Annual Fee
  • First year fee: ₹1,000 + GST
  • Renewal Fee: ₹4,500 + GST (Non-waivable)
Best For
Multiple small transactions
Rewards Structure
  • 1 Reward Point on every Rs. 50 spent
  • 5x Reward Points on Reward Multiplier Spends
  • Monthly: 1000 Points on 6 txns of Rs. 1,000 each
Optimal Strategy

Buy 6 Vouchers of 1k monthly (72k Per Year)

• Base Points on 72k spend: 1,440 pts

• Monthly Bonus: 12,000 pts (1,000 × 12)

• Welcome Bonus (Joining + Referral): 6,000 pts (4,000 + 2,000)

Total: 20,440+ points per year

What can you get?

• ₹6,000 Amazon vouchers for 18,000 points

7% optimized return
MRCC
Membership Rewards Credit Card
Annual Fee
  • First year fee: ₹1,000 + GST
  • Renewal Fee: ₹4,500 + GST (100% waiver on ₹1.5L annual spend)
Best For
Moderate spenders (₹20-25K/month)
Rewards Structure
  • 1 Reward Point on every Rs. 50 spent
  • 2x Reward Points on Reward Multiplier Spends
  • Monthly: 1000 Points on 4 txns of >1,500 each
  • Monthly: 1000 Points on Spending Rs. 20,000
Optimal Strategy

20k in total 4 txns monthly (Rs. 2.4L Per Year)

• Base Points on 2.4L spend: 4,800 pts

• Monthly Bonus: 24,000 pts (2,000 × 12)

• Welcome Bonus (Joining + Referral): 6,000 pts (4,000 + 2,000)

Total: 36,800+ points per year

What can you get?

• ₹8,000 Amazon vouchers for 24,000 points

8% optimized return
Platinum Travel
Platinum Travel Card
Annual Fee
  • Fee: ₹5,000 + GST (Non-waivable)
Best For
High spenders (₹4L/year)
Rewards Structure
  • 1 Reward Point on every Rs. 50 spent
  • 3x Reward Points on Reward Multiplier Spends
  • ₹10k Taj Stay Voucher on Spending 4L per year
  • +15k Bonus Pts on Spending 1.9L per year
  • +25k Bonus Pts on Spending 4L per year
Optimal Strategy

Spend 4L/Year

• Base Points on 4L spend: 8,000 pts

• Welcome Bonus (Joining + Referral): 12,000 pts (10,000 + 2,000)

• Milestone Bonus 1: 15,000 pts

• Milestone Bonus 2: 25,000 pts

• Taj Voucher worth ₹10,000

Total: ~60,000 points + ₹10k Taj voucher per year

What can you get?

• One-way flight to Europe with Qatar Airways (35,000 Avios)

• Or ₹13,000 in Amazon vouchers for 60,000 points