Shortlist 2–4 cards
This page compares two cards side-by-side so you can pick the better fit. Use it to verify fees, lounge access, forex markup, and base rewards before you apply.
| Feature | American Express Platinum Travel | IDFC FIRST Wealth |
|---|---|---|
| Annual fee | ₹5,000 | ₹12,000 |
| Forex fee | 3.5% | 0% |
| Domestic lounge | Not specified | Unlimited |
Start with the constraint you care about most: annual fee (American Express Platinum Travel: ₹5,000 vs IDFC FIRST Wealth: ₹12,000), forex markup (3.5% vs 0%), or lounge access (Not specified vs Unlimited).
Explore: American Express Platinum Travel card page · IDFC FIRST Wealth card page · best credit cards in India
Source: Card issuer official terms
Open source (opens in new tab)Source: IDFC FIRST Bank official terms
Open source (opens in new tab)At ₹50k/month spend:
Illustrative only, using current base rates before caps.
| American Express Platinum Travel AMEX | IDFC FIRST Wealth IDFC | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits Only available for IDFC FIRST Wealth | Not specified | Unlimited |
| International lounge visits Only available for IDFC FIRST Wealth | Not specified | 4/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 3.5% vs 0% | 3.5% | 0% |
| Fees | ||
| Annual fee ₹5,000 vs ₹12,000 | ₹5,000 | ₹12,000 |
| Joining fee ₹5,000 vs ₹0 | ₹5,000 | ₹0 |
| Fee waiver spend Only available for IDFC FIRST Wealth | Not specified | ₹15,00,000 |
| Rewards | ||
| Points per ₹150 3 pts vs 6 pts | 3 pts | 6 pts |
| Point cash value Only available for IDFC FIRST Wealth | Not specified | ₹0.25 |