Amex Platinum Reserve vs IndusInd Avios Visa Infinite (2026)
IndusInd Avios Visa Infinite marks foreign spend up 1.5% against Amex Platinum Reserve's 3.5% — 2.0pp on every rupee you spend abroad, before either card earns a point on it.
Head to head
| Amex Platinum Reserve | Metric | IndusInd Avios Visa Infinite |
|---|---|---|
| #35 — wins this row | Our rank | #37 |
| ₹10,000/yr | Fee — joining · annual (+ GST) | ₹10,000 joining, then ₹5,000/yr |
| ₹10,00,000 spend | Fee waiver | None |
| 3.5% + GST | Forex markup | 1.5% at preferred international destinations, 3.5% all other + GST — wins this row |
| 3.5%/mo (42%/yr); 3.99%/mo (47.88%/yr) in cases of default | APR | 3.00%/mo (36%/yr) |
| 1.0% | Headline earn rate | 1.5% — wins this row |
| Amex Membership Rewards | Currency | Avios (BA / Qatar / Finnair) |
| ₹0.50/pt | House value | ₹1.00/pt |
| 11,000 bonus MR on ₹30k spend in 90 days | Welcome benefit | 20,000 bonus Avios as a joining benefit (same for the Qatar or BA track) |
| 725 of 789 | Lounge doors opened | 731 of 789 — wins this row |
| ₹6L+/yr (community) | Income — salaried | not published |
| ₹6L+/yr (community) | Income — self-employed | not published |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
IndusInd Avios Visa Infinite out-earns Amex Platinum Reserve at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend
IndusInd Avios Visa Infinite leads at all 20 steps, but not by the same amount: ₹11,770 at ₹0.25L a month, ₹59,400 at ₹5L — the gap fans out with spend, widest at ₹5L (₹59,400).
IndusInd Avios Visa Infinite pays a renewal bonus whatever you spend, and Amex Platinum Reserve pays nothing to stay; IndusInd Avios Visa Infinite runs a 3.0% booster on Preferred international destination, where Amex Platinum Reserve earns one flat rate.
Amex Platinum Reserve draws above the line, IndusInd Avios Visa Infinite below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Amex Platinum Reserve | IndusInd Avios Visa Infinite | In front |
|---|---|---|---|
| ₹0.25L | −₹7,000 | ₹4,770 | IndusInd Avios Visa Infinite by ₹11,770 |
| ₹0.5L | ₹8,000 | ₹9,540 | IndusInd Avios Visa Infinite by ₹1,540 |
| ₹0.75L | ₹11,000 | ₹32,310 | IndusInd Avios Visa Infinite by ₹21,310 |
| ₹1L | ₹24,000 | ₹37,080 | IndusInd Avios Visa Infinite by ₹13,080 |
| ₹1.25L | ₹27,000 | ₹41,850 | IndusInd Avios Visa Infinite by ₹14,850 |
| ₹1.5L | ₹30,000 | ₹64,620 | IndusInd Avios Visa Infinite by ₹34,620 |
| ₹1.75L | ₹33,000 | ₹69,390 | IndusInd Avios Visa Infinite by ₹36,390 |
| ₹2L | ₹36,000 | ₹74,160 | IndusInd Avios Visa Infinite by ₹38,160 |
| ₹2.25L | ₹39,000 | ₹78,930 | IndusInd Avios Visa Infinite by ₹39,930 |
| ₹2.5L | ₹42,000 | ₹83,700 | IndusInd Avios Visa Infinite by ₹41,700 |
| ₹2.75L | ₹45,000 | ₹88,470 | IndusInd Avios Visa Infinite by ₹43,470 |
| ₹3L | ₹48,000 | ₹93,240 | IndusInd Avios Visa Infinite by ₹45,240 |
| ₹3.25L | ₹51,000 | ₹98,010 | IndusInd Avios Visa Infinite by ₹47,010 |
| ₹3.5L | ₹54,000 | ₹1,02,780 | IndusInd Avios Visa Infinite by ₹48,780 |
| ₹3.75L | ₹57,000 | ₹1,07,550 | IndusInd Avios Visa Infinite by ₹50,550 |
| ₹4L | ₹60,000 | ₹1,12,320 | IndusInd Avios Visa Infinite by ₹52,320 |
| ₹4.25L | ₹63,000 | ₹1,17,090 | IndusInd Avios Visa Infinite by ₹54,090 |
| ₹4.5L | ₹66,000 | ₹1,21,860 | IndusInd Avios Visa Infinite by ₹55,860 |
| ₹4.75L | ₹69,000 | ₹1,26,630 | IndusInd Avios Visa Infinite by ₹57,630 |
| ₹5L | ₹72,000 | ₹1,31,400 | IndusInd Avios Visa Infinite by ₹59,400 |
Transfer reach
Only Amex Platinum Reserve
- Singapore Airlines KrisFlyer
- Qatar Airways Privilege Club (Avios)
- The British Airways Club (Avios)
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
Amex Platinum Reserve · 2 more →
- 1 MR/₹50 base and MR is a soft currency — the points are not the reason
- No MR on fuel, insurance, utilities, cash or POS EMI conversion
- 3.5% + GST forex; Amex acceptance still trails Visa/Mastercard
IndusInd Avios Visa Infinite · 2 more →
- ₹10,000 joining fee, then ₹5,000 a year — no spend-based fee waiver
- Everyday earn is only 1.5% (3 Avios/₹200); the value needs BA/Qatar-site or overseas spend
- Utilities, insurance, government and education earn a token 1 Avios/₹200
The call
For the ₹1L/month spender, IndusInd Avios Visa Infinite nets ₹37,080 against ₹24,000 — a ₹13,080 gap. At ₹5L/month, IndusInd Avios Visa Infinite nets ₹1,31,400 against ₹72,000 — a ₹59,400 gap. Lounge chasers: IndusInd Avios Visa Infinite opens 731 of 789 tracked doors to Amex Platinum Reserve's 725.
Our standing verdicts: Amex Platinum Reserve — Keep; IndusInd Avios Visa Infinite — Keep. On our board, Amex Platinum Reserve sits at #35 to IndusInd Avios Visa Infinite's #37 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, Amex Platinum Reserve or IndusInd Avios Visa Infinite?
Amex Platinum Reserve. It sits at #35 on our board to IndusInd Avios Visa Infinite's #37. IndusInd Avios Visa Infinite takes 6 of the 7 rounds we can score. IndusInd Avios Visa Infinite out-earns Amex Platinum Reserve at every spend level we model, from ₹25k to ₹5L a month.
Amex Platinum Reserve or IndusInd Avios Visa Infinite — which earns more at ₹3L a month?
At ₹3L a month, IndusInd Avios Visa Infinite nets ₹93,240 against ₹48,000 — a ₹45,240 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, Amex Platinum Reserve or IndusInd Avios Visa Infinite?
They cost the same to get: ₹10,000/yr. Amex Platinum Reserve waives its fee at ₹10,00,000 of spend; IndusInd Avios Visa Infinite at no spend level — there is no waiver.
Which gets you into more airport lounges, Amex Platinum Reserve or IndusInd Avios Visa Infinite?
Lounge chasers: IndusInd Avios Visa Infinite opens 731 of 789 tracked doors to Amex Platinum Reserve's 725. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Both card records were last re-verified against their issuers' own documents on 2026-07-26. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.