2.5 pts / ₹100 · 12.5 points/₹100 on eligible makeMyTrip and tata CLiQ
Strong data Pairwise comparison
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American Express Platinum Charge Card vs Axis Bank Primus Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the American Express Platinum Charge Card and the Axis Bank Primus. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Primus for spending abroad.
Head-to-head
Three core metrics- Annual fee Platinum Charge Card saves ₹2,34,000/yrPlatinum Charge Card ₹66,000 Annual-fee waiver not offeredPrimus ₹3,00,000 Annual-fee waiver not offered
- Forex markup Primus saves ~₹3,500 per ₹1L abroadPlatinum Charge Card 3.5%Primus 0%
- Domestic lounge Platinum Charge Card UnlimitedPrimus Unlimited
Reward earning explained
Per card1 EDGE Miles / ₹100
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (American Express Platinum Charge Card: ₹66,000 vs Axis Bank Primus: ₹3,00,000), forex markup (3.5% vs 0%), or lounge access (Unlimited vs Unlimited).
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Travel Insufficient data Insufficient data to compare travel
Only Axis Bank Primus has comparable evidence here. Forex markup is 0%.
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Forex markup Axis Bank Primus wins Axis Bank Primus is better for forex
Axis Bank Primus is stronger here. Forex markup is 0%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is unlimited.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: American Express Platinum Charge Card is not safely INR-comparable (no usable point value). Axis Bank Primus is not safely INR-comparable (no usable point value).
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- American Express Platinum Charge Card: Base earn not clearly specified
- Primus: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | Platinum Charge Card American Express | Primus Axis Bank |
|---|---|---|
| Insurance — Air accident cover Only available for American Express Platinum Charge Card | ₹5 crore | Not specified |
| Insurance — Underwriter Only available for American Express Platinum Charge Card | Insured by ICICI Lombard General Insurance Company Limited | Not specified |
| Lounge Access | ||
| Domestic lounge visits | Unlimited | Unlimited |
| International lounge visits | Unlimited | Unlimited |
| Forex / International Use | ||
| Forex markup 3.5% vs 0% | 3.5% | 0% |
| Fees | ||
| Recurring annual fee ₹66,000 vs ₹3,00,000 | ₹66,000 | ₹3,00,000 |
| Annual-fee waiver | Not offered | Not offered |
| Interest-free period Only available for Primus | Not specified | Up to 50 days |
| Monthly interest rate Only available for Primus | Not specified | 1% / month |
| Fuel benefit 1% surcharge waiver · ₹5,000+ transactions vs 1% surcharge waiver · ₹400–₹10,000 transactions | 1% surcharge waiver · ₹5,000+ transactions | 1% surcharge waiver · ₹400–₹10,000 transactions |
| Rewards | ||
| Points per ₹100 2.5 pts / ₹100 vs 1 EDGE Miles / ₹100 | 2.5 pts / ₹100 | 1 EDGE Miles / ₹100 |
| Earn ceiling 5,000 points per calendar month; at 5 pts / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend vs Not stated | 5,000 points per calendar month; at 5 pts / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend | Not stated |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
American Express Platinum Charge Card
Verify with issuer , opens external siteAxis Bank Primus
Verify with issuer , opens external site