Which card has a lower forex fee: American Express Platinum Charge Card or Axis Bank Reserve Credit Card?

Axis Bank Reserve Credit Card has lower forex markup (1.5% vs 3.5%).

Which card has a lower annual fee: American Express Platinum Charge Card or Axis Bank Reserve Credit Card?

Axis Bank Reserve Credit Card has a lower annual fee (₹50,000 vs ₹66,000).

Which card offers better lounge access?

American Express Platinum Charge Card: Unlimited domestic lounge access. Axis Bank Reserve Credit Card: Unlimited domestic lounge access.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

American Express Platinum Charge Card vs Axis Bank Reserve Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the American Express Platinum Charge Card and the Axis Bank Reserve. Verify fees, lounge access, forex markup, and base rewards before you apply.

Forex Axis Bank Reserve

Quick comparison

Three core metrics

Platinum Charge Card American Express

Annual fee ₹66,000
Forex markup 3.5%
Domestic lounge Unlimited

Reserve Axis Bank

Annual fee ₹50,000 Waivable at ₹35,00,000 spend
Forex markup 1.5%
Domestic lounge Unlimited

Reward earning explained

Per card

Platinum Charge Card

12.5 pts / ₹100 on MakeMyTrip (domestic) (5X Membership Rewards on MakeMyTrip f…

Limited data

Reserve

7.5 pts / ₹100 on General spend

Limited data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (American Express Platinum Charge Card: ₹66,000 vs Axis Bank Reserve: ₹50,000), forex markup (3.5% vs 1.5%), or lounge access (Unlimited vs Unlimited).

Travel Insufficient data

Insufficient data to compare travel

Only Axis Bank Reserve has comparable evidence here. Forex markup is 1.5%.

Platinum Charge Card: Limited data Reserve: Limited data
Forex markup Axis Bank Reserve wins

Axis Bank Reserve is better for forex

Axis Bank Reserve is stronger here. Forex markup is 1.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited.
Rewards Insufficient data

Insufficient data to compare rewards

Only Axis Bank Reserve has comparable evidence here. Estimated base reward value is ~1.5% on base spend.

Platinum Charge Card: Limited data Reserve: Limited data

Confidence: Low (limited information available)

Verify with issuer

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Reserve: ~₹750/month at base rate
American Express Platinum Charge Card: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Platinum Charge Card American Express	Reserve Axis Bank
Lounge Access
Domestic lounge visits	Unlimited	Unlimited
Forex / International Use
Forex markup 3.5% vs 1.5%	3.5%	1.5%
Fees
Annual fee ₹66,000 vs ₹50,000	₹66,000	₹50,000
Joining fee ₹66,000 vs ₹50,000	₹66,000	₹50,000
Fee waiver spend Only available for Reserve	Not specified	₹35,00,000
Interest-free period Only available for Reserve	Not specified	Up to 50 days
Rewards
Points per ₹100 2.5 pts vs 7.5 pts	2.5 pts	7.5 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Reserve	Not specified	₹0.2

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.