In my opinion I would rate Amex cards as follows :
1. Platinum Travel Credit card
Suits both Salaried and Self employed who travels domestic . Best on returns for high spenders .
Any kind of spending including fuel insurance utilities , Number of transaction doesn't matter, Supplementary card spending also will be taken into account . 8 domestic lounge access.
2.Membership Rewards Credit Card
Suits salaried and for people who can always have calculated spending
Excellent 18K and 24K Catalogues .No complimentary lounge access.
3.Platinum Charge Card
Suits self employed and frequent traveler. For people who spends very less on cards
1+4 supplementary Metal cards
• No Pre-Set Limit • Lounges • Platinum Travel • Lodging Benefits • Kaizen Benefits • Dining Benefits • Platinum Concierge • Membership Rewards • Platinum Offers: Tactical and Long Term Offers • Platinum Travel Services and Experiences • Platinum Care • Platinum Experience
4.Reserve Credit Card
Depends on your lifestyle .
Has good dining benefits(Taj and eazydiner prime),12 Complimentary lounge access including Delhi and Mumbai Amex centurion lounges ,2 Complimentary golf access every month
Flipkart/BMS movie vouchers up to 6K every year,10K Taj vouchers for a spend of 5L a year.
• Platinum Concierge Services
• Air Accident Insurance of Rs.1 Cr. – This is applicable when you purchase your air ticket on the Platinum Reserve Credit Card
• Purchase Protection: If an item is stolen due to burglary or damages or breaks due to fire, earthquake, flood, storm, cyclone, etc. within 60 days of purchase, it can be refunded.
5. Smart Earn Credit card
Personally I wont suggest anyone . You can take this if you would like to have an Amex card at the lowest fee
1. Platinum Travel Credit card
Suits both Salaried and Self employed who travels domestic . Best on returns for high spenders .
Any kind of spending including fuel insurance utilities , Number of transaction doesn't matter, Supplementary card spending also will be taken into account . 8 domestic lounge access.
2.Membership Rewards Credit Card
Suits salaried and for people who can always have calculated spending
Excellent 18K and 24K Catalogues .No complimentary lounge access.
3.Platinum Charge Card
Suits self employed and frequent traveler. For people who spends very less on cards
1+4 supplementary Metal cards
• No Pre-Set Limit • Lounges • Platinum Travel • Lodging Benefits • Kaizen Benefits • Dining Benefits • Platinum Concierge • Membership Rewards • Platinum Offers: Tactical and Long Term Offers • Platinum Travel Services and Experiences • Platinum Care • Platinum Experience
4.Reserve Credit Card
Depends on your lifestyle .
Has good dining benefits(Taj and eazydiner prime),12 Complimentary lounge access including Delhi and Mumbai Amex centurion lounges ,2 Complimentary golf access every month
Flipkart/BMS movie vouchers up to 6K every year,10K Taj vouchers for a spend of 5L a year.
• Platinum Concierge Services
• Air Accident Insurance of Rs.1 Cr. – This is applicable when you purchase your air ticket on the Platinum Reserve Credit Card
• Purchase Protection: If an item is stolen due to burglary or damages or breaks due to fire, earthquake, flood, storm, cyclone, etc. within 60 days of purchase, it can be refunded.
5. Smart Earn Credit card
Personally I wont suggest anyone . You can take this if you would like to have an Amex card at the lowest fee
I intentionally ignored gold charge as its a very risk product as the interest rates are higher and there is no revolving options . In my 6 years with Amex I have hardly sold 2-3 gold charge cards. Looks like you have a great understanding of cards. You can take any card.
