#1
AmEx · mid
American Express Platinum Travel
Steady ₹40K/month spenders — milestone-driven
₹5,000/year
1% base rewards
Lounge access
APR if balance carried42%
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— 4 cards tracked
#2
AmEx · entry
American Express SmartEarn
Amex beginners wanting cashback on Zomato, Swiggy, Amazon
₹495/year
1% base rewards
Cashback card
APR if balance carried42%
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#3
AmEx · mid
American Express Gold Card
Milestone spenders wanting Taj hotel vouchers
₹4,500/year
1% base rewards
mid tier
APR if balance carried42%
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AmEx · entry
Amex Membership Rewards Credit Card
Amex beginners — gateway to the MR ecosystem
₹4,500/year
0.5% base rewards
entry tier
APR if balance carried42%
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