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

Both cards have the same forex markup (3.5%).

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

Axis Bank Horizon Credit Card has a lower annual fee (₹0 vs ₹5,000).

Which card offers better lounge access?

American Express Platinum Travel Credit Card: 8/year domestic lounge. Axis Bank Horizon Credit Card: 4/year domestic lounge (1 per quarter).

Which card has a higher base reward rate?

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

Pairwise comparison Add another card →

American Express Platinum Travel vs Axis Bank Horizon Credit Cards – Fees, Lounge, Forex

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

Lounge American Express Platinum Travel

Quick comparison

Three core metrics

Platinum Travel American Express

Annual fee ₹5,000
Forex markup 3.5%
Domestic lounge 8/year

Horizon Axis Bank

Annual fee ₹0 Lifetime free
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter)

Reward earning explained

Per card

Platinum Travel

3 pts / ₹150 on General spend

Limited data

Horizon

2 pts / ₹100 on General spend

Limited data

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (American Express Platinum Travel: ₹5,000 vs Axis Bank Horizon: ₹0), forex markup (3.5% vs 3.5%), or lounge access (8/year vs 4/year (1 per quarter)).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Platinum Travel: Limited data Horizon: Limited data
Lounge access American Express Platinum Travel wins

American Express Platinum Travel is better for lounge access

American Express Platinum Travel is stronger here. Domestic lounge access is 8/year.

Platinum Travel: Limited data Horizon: Limited data
Rewards Insufficient data

Insufficient data to compare rewards

Only Axis Bank Horizon has comparable evidence here. Estimated base reward value is ~2% on base spend.

Platinum Travel: Limited data Horizon: Limited data
Annual fee Insufficient data

Insufficient data to compare fees

Only Axis Bank Horizon has comparable evidence here. Annual fee is ₹0.

Platinum Travel: Limited data Horizon: Limited data
upi Tie

Both cards are similar for UPI usage

American Express network does not support UPI payments. Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Horizon: ~₹1,000/month at base rate
American Express Platinum Travel: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	Platinum Travel American Express	Horizon Axis Bank
Lounge Access
Domestic lounge visits 8/year vs 4/year (1 per quarter)	8/year	4/year (1 per quarter)
International lounge visits	8/year	8/year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹5,000 vs ₹0	₹5,000	₹0
Joining fee ₹5,000 vs ₹0	₹5,000	₹0
Rewards
Reward points (base spend) 3 pts/₹150 vs 2 pts/₹100	3 pts/₹150	2 pts/₹100
Point cash value Only available for Horizon	Not specified	₹1

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.