travelwith.cc

The issuer board

Every American Express credit card.

20 cards on the desk, ranked #496 to #983 against every other card in India — not against each other. Fees run ₹495 to ₹66,000. 11 of the 20 we carry without ranking, because American Express publishes no fee or no earn table for them — they are listed at the bottom, with what we do know.

how this board is ordered fold that back up

Ordered by our board, best first. The rank is the card's position among all Indian cards we price, so a gap between two rows is other issuers' cards sitting between them.

RBI, July 2026: 13,05,099 cards in force — 1.1% of every credit card in India · ₹6,148 cr spent on them that month, 73% of it online.

The one worth having

#581 in India Keep

Amex Platinum Travel

A milestone machine — great if you hit the numbers, mediocre if you don't.

₹56,000 ranking value a year at ₹3L/month
₹5,000 fee what it costs
1.0% headline earn rate
Read the verdict →

Narrow 20 American Express cards

network, lounges, the fine print and what you can be approved for fold that back up

The first seven narrow the board — a card that isn't what you asked for is hidden, not greyed, because six hundred dimmed rows are a hazard rather than a filter. Income is different: it greys the cards you can't be approved for and prints the reason, since "you can't get this" is worth knowing. Spend categories come from each card's own MITC/T&C exclusions; a card that publishes no rule for a category stays, because silence isn't a claim. Abroad and late fee read the issuer's own MITC line: 3.5% is India's norm, so "under" means cheaper than standard, and a card whose document states neither is filed under "not published" rather than assumed cheap. Your picks live in the URL, so the link you copy is the board you're looking at.

The board

All 9 priced cards, best to worst.

rank · card · fee (what you pay to get it) · headline earn rate, per ₹100 of ordinary spend · verdict

  1. #581 Amex Platinum Travel ₹5,000 fee 1.0% Keep
  2. #582 Amex Platinum Charge ₹66,000 fee 1.3% Keep
  3. #583 Amex Membership Rewards Card ₹1,000 joining + ₹4,500/yr 1.0% Keep
  4. #584 Amex Platinum Reserve ₹10,000 fee 1.0% Keep
  5. #586 Amex SmartEarn ₹495 fee 1.0% Keep
  6. #601 Amex Gold Charge ₹1,000 joining + ₹4,500/yr 1.0% Keep
  7. #828 Jet Airways Amex Platinum ₹5,000 joining + ₹10,000/yr 1.1% Cancel
  8. #829 Amex PAYBACK Credit Card ₹750 joining + ₹1,500/yr 0.5% Cancel
  9. #981 Amex MakeMyTrip Credit Card ₹750 joining + ₹1,500/yr 0.5% Cancel

Carried, not ranked

11 cards American Express won't put a number on.

Each of these is missing the fee, the earn table, or both, in every document American Express publishes. We keep the card — its page, its lounge row, its sources — and we refuse to rank it, because a net-value number computed against a fee nobody published would be wrong by exactly that fee. Each promotes itself onto the board above the day the document lands.

  1. Amex Green Corporate Card Fee not published 1.0%
  2. Amex Gold Corporate Card Fee not published 1.0%
  3. Amex Platinum Corporate Card Fee not published 1.3%
  4. American Express Business Travel Account Fee not published earn n/p
  5. American Express Corporate Purchasing Card Fee not published earn n/p
6 more we carry without a number
  1. Air India American Express Gold Fee not published 1.3%
  2. Air India American Express Credit Card Fee not published 1.3%
  3. Air India American Express Green Fee not published earn n/p
  4. Amex Kingfisher First Fee not published earn n/p
  5. Amex Gold Credit Card Fee not published 1.3%
  6. Amex HPCL RPM Credit Card Fee not published earn n/p

Our standing verdicts

13 keep · 0 downgrade · 7 cancel

What these cards pay in

Amex Membership Rewards · PAYBACK Points (now Zillion Coins) · InterMiles