3 Travel Credits / ₹150
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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.
The short answer
VerdictPick IndiGo Axis Bank Premium for spending abroad.
Head-to-head
Three core metrics- Annual fee Platinum Travel ₹5,000IndiGo Axis Bank Premium ₹5,000 Annual-fee waiver not offered
- Forex markup IndiGo Axis Bank Premium saves ~₹1,000 per ₹1L abroadPlatinum Travel 3.5%IndiGo Axis Bank Premium 2.5%
- Domestic lounge Platinum Travel 8/year (2 per quarter)IndiGo Axis Bank Premium 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar months
Reward earning explained
Per card2 pts / ₹100 · Up to 7 pts / ₹100 on Indigo
Strong dataPick based on what matters
3 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 (8/year (2 per quarter) vs 8/year (2 per 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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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: American Express Platinum Travel is not safely INR-comparable (no usable point value). Axis Bank IndiGo Axis Bank Premium is not safely INR-comparable (no usable point value).
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- American Express Platinum Travel: Base earn not clearly specified
- IndiGo Axis Bank Premium: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | Platinum Travel American Express | IndiGo Axis Bank Premium Axis Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats | 8/year (2 per quarter) | 8/year (2 per quarter) |
| International lounge visits Not included vs 2 per year | No international lounge access | 2 per year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 3.5% vs 2.5% | 3.5% | 2.5% |
| Fees | ||
| Recurring annual fee | ₹5,000 | ₹5,000 |
| First-year cost Only available for American Express Platinum Travel | ₹5,000 | Not specified |
| Annual-fee waiver Only available for IndiGo Axis Bank Premium | Not specified | Not offered |
| Interest-free period Up to 48 days vs Up to 50 days | Up to 48 days | Up to 50 days |
| Monthly interest rate Only available for IndiGo Axis Bank Premium | Not specified | 3.75% / month |
| Fuel benefit 1% surcharge waiver · ₹5,000+ transactions · Fuel rewards excluded vs 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap | 1% surcharge waiver · ₹5,000+ transactions · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap |
| Rewards | ||
| Base earn 3 Travel Credits / ₹150 vs 2 pts / ₹100 | 3 Travel Credits / ₹150 | 2 pts / ₹100 |
| Earn ceiling | Not stated | Not stated |
Notes
- IndiGo Axis Bank Premium Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
American Express Platinum Travel
Verify with issuer , opens external siteAxis Bank IndiGo Axis Bank Premium
Verify with issuer , opens external site