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Amex Platinum Charge Card vs AU Bank Zenith+ Credit Card

A head-to-head comparison of Amex Platinum Charge Card and AU Bank Zenith+ Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

PremiumCard A

Amex Platinum Charge Card

Luxury & Concierge Services

Annual Fee
₹66,000
Reward Rate
Membership Rewards
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PremiumCard B

AU Bank Zenith+ Credit Card

Super-Premium Lounge Access & International Travel

Annual Fee
₹4,999
Reward Rate
2 RP per ₹100 on travel & dining (~0.5% at standard redemption)
Apply Now Read full review →

Feature comparison

FeatureAmex PlatinumAU Bank
Annual Fee₹66,000 (Plus GST)₹4,999 + GST (₹5,000 welcome voucher offsets year-1 fee; year-2+ waived on ₹8L annual spend)
Reward RateMembership Rewards2 RP per ₹100 on travel & dining (~0.5% at standard redemption)
Best ForLuxury & Concierge ServicesSuper-Premium Lounge Access & International Travel
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAmex PlatinumAU Bank
Domestic travel
International travel
Airport lounge access

Quick verdict

Choose Amex Platinum Charge Card if:

    Choose AU Bank Zenith+ Credit Card if:

    • Lower annual fee (₹4,999 vs ₹66,000)
    • You spend heavily on domestic travel

    Full pros & cons

    Amex Platinum Charge Card

    What's good
    • Unmatched global lifestyle and lounge benefits
    • Metal card — premium physical experience
    • Fine Hotels & Resorts access with daily breakfast and upgrades
    Watch out for
    • Exorbitant ₹66,000 annual fee
    • Charge card — full monthly balance payment required, no revolving credit
    Apply Now

    AU Bank Zenith+ Credit Card

    What's good
    • 16 domestic lounge visits/year (4/quarter) + 16 international lounge visits/year via Priority Pass
    • 0.99% forex markup — one of the lowest on any Indian credit card
    • ₹5,000 luxury welcome voucher on activation — effectively makes year-1 fee-free
    • Airport meet-and-assist service on arrival and departure
    • 2 railway lounge visits/quarter (no spend trigger); ₹2 crore air accident insurance
    Watch out for
    • ₹8L annual spend required for fee waiver from year 2 — extremely high bar
    • Standard reward rate (~0.5% effective) is unimpressive for a ₹5K-fee card — reward earning is not the selling point
    • ₹99 + GST redemption fee per transaction reduces effective rewards value
    • Caution: the regular Zenith card underwent a major devaluation in January 2026 — ensure you apply for Zenith+, not the standard Zenith
    Apply Now
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