- Annual fee ₹5,000
- Forex markup 3.5%
- Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹2 spend in the calendar quarter
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American Express Platinum Travel vs Axis Bank IndiGo Axis Bank Premium Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the American Express Platinum Travel and the Axis Bank IndiGo Axis Bank Premium. Verify fees, lounge access, forex markup, and base rewards before you apply.
Forex Axis Bank IndiGo Axis Bank Premium
Quick comparison
Three core metrics- Annual fee ₹5,000
- Forex markup 2.5%
- Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar months
Reward earning explained
Per card3 pts / ₹150 on General spend
7 pts / ₹100 on Indigo + 3 pts / ₹100 on Grocery Hotel
Pick based on what matters
2 dimensionsStart with the constraint you care about most: annual fee (American Express Platinum Travel: ₹5,000 vs Axis Bank IndiGo Axis Bank Premium: ₹5,000), forex markup (3.5% vs 2.5%), or lounge access (2/quarter vs 2/quarter).
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Forex markup Axis Bank IndiGo Axis Bank Premium wins Axis Bank IndiGo Axis Bank Premium is better for forex
Axis Bank IndiGo Axis Bank Premium is stronger here. Axis Bank IndiGo Axis Bank Premium has a lower forex markup (2.5% vs 3.5%).
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 2 per quarter.
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Example usage at this monthly spend
At ₹50k/month spend:
- American Express Platinum Travel: ~₹400/month at base rate
- IndiGo Axis Bank Premium: Base earn not clearly specified
Illustrative only, using current base rates before caps.
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| Field | Platinum Travel American Express | IndiGo Axis Bank Premium Axis Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits | 2/quarter | 2/quarter |
| International lounge visits 0/year vs 2/year | 0/year | 2/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 3.5% vs 2.5% | 3.5% | 2.5% |
| Fees | ||
| Annual fee | ₹5,000 | ₹5,000 |
| Joining fee | ₹5,000 | ₹5,000 |
| Interest-free period Up to 48 days vs Up to 50 days | Up to 48 days | Up to 50 days |
| Rewards | ||
| Reward points (base spend) 3 pts/₹150 vs 2 pts/₹100 | 3 pts/₹150 | 2 pts/₹100 |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for American Express Platinum Travel | ₹0.4 | Not specified |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.