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Credit CardsComparisons

Amex Platinum Reserve Credit Card vs AU Bank iXIGO Credit Card

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

TravelCard A

Amex Platinum Reserve Credit Card

Domestic Premium Travel

Annual Fee
₹10,000
Reward Rate
1 MR per ₹50 (~0.8-1% via airline/hotel transfers) + Hotel privileges
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TravelCard B

AU Bank iXIGO Credit Card

ixigo Loyalists & Zero-Forex Travel

Annual Fee
Lifetime Free
Reward Rate
5 RP per ₹200 (~0.6-1.25% depending on redemption route)
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Feature comparison

FeatureAmex PlatinumAU Bank
Annual Fee₹10,000 + GST (First-year & subsequent)Lifetime Free (official fee ₹999 + GST waived via ixigo app channel)
Reward Rate1 MR per ₹50 (~0.8-1% via airline/hotel transfers) + Hotel privileges5 RP per ₹200 (~0.6-1.25% depending on redemption route)
Best ForDomestic Premium Travelixigo Loyalists & Zero-Forex 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
Zero forex markup

Quick verdict

Choose Amex Platinum Reserve Credit Card if:

    Choose AU Bank iXIGO Credit Card if:

    • Lower annual fee (₹Nil vs ₹10,000)
    • You spend heavily on international travel
    • You spend heavily on zero forex markup

    Full pros & cons

    Amex Platinum Reserve Credit Card

    What's good
    • Privileged rates and benefits at Taj, SeleQtions, and Vivanta Hotels
    • Complimentary domestic airport lounge access across India
    • Preferred Hotels & Resorts global access
    • Membership Rewards points earning with airline partner transfer options
    Watch out for
    • ₹10,000 + GST annual fee with no spend-based waiver
    • Amex acceptance still limited at smaller offline merchants in India
    • Domestic-focused — fewer international travel benefits than Platinum Charge
    Apply Now

    AU Bank iXIGO Credit Card

    What's good
    • 0% forex markup on all international transactions — saves ~4.13% vs standard cards for overseas spend
    • 8 complimentary domestic airport lounge visits/year (2/quarter) on ₹50,000+ quarterly spend
    • 8 complimentary railway lounge visits/year (no spend trigger)
    • Monthly ixigo travel discounts: 10% off flights (capped ₹1,000), 10% off buses (₹300), 5% off hotels (₹1,000)
    • Welcome benefit: ~₹1,500 in ixigo money vouchers on activation + first spend
    Watch out for
    • April 2026 devaluation: all domestic spends now earn a flat 5 RP per ₹200 — eliminated higher rates for ixigo bookings specifically
    • Zero rewards on international transactions (post-April 2026) — 0% forex saves money but earns nothing
    • Airport lounge access is spend-gated — requires ₹50,000 in the previous calendar quarter
    • RP value drops sharply outside ixigo: ₹0.25/point as statement credit vs ₹0.50 only as ixigo money
    • 10,000 RP monthly cap limits high-volume earners
    Apply Now
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