American Express Platinum Reserve Credit Card vs ACE Credit Card
American Express · Axis Bank — side-by-side CardCheck comparison
·4.4/ 5
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
American ExpressScoreVery Good
Annual Fee₹10,000
Max Reward2%
Axis BankScoreVery Good
Annual Fee₹499
Max Reward5%
ACE Credit Card leads overall with a CardCheck Score of 79/100 (+1 pts over American Express Platinum Reserve Credit Card).
4-Pillar Head-to-Head Breakdown
American vs ACEReward Power
35%American34/35
ACE34/35
Tie (34/35)
Fee Value & ROI
25%American18/25
ACE22/25
ACE Wins
Lounge & Travel
20%American18/20
ACE11/20
American Wins
Forex & Access
20%American8/20
ACE12/20
ACE Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 78
- 79Best
- Rating Verdict
- Very Good
- Very Good
- Reward Power (35%)
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 18/25
- 22/25
- Lounge & Travel (20%)
- 18/20
- 11/20
- Forex & Access (20%)
- 8/20
- 12/20
02—Basic Info
- Bank
- American Express
- Axis Bank
- Network
- Amex
- Visa
- Card type
- Premium
- Regular
- Best for
- AmEx's India premium — hotel benefits, 3 lounge/qtr + dedicated Priority Pass
- Cashback on utility bills via Google Pay and daily spending
03—Fees
- Joining fee
- ₹10,000
- ₹499Best
- Annual fee
- ₹10,000
- ₹499Best
- Fee waiver
- ₹10,00,000
- ₹2,00,000Best
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 42%Best
- 55.55%
- APR (max)
- 42%Best
- 55.55%
- Late payment fee
- ₹1,000Best
- ₹1,300
- Cash advance fee
- 3.5%
- 2.5%Best
05—Rewards
- Reward type
- points
- cashback
- Min rate
- 2%Best
- 1.5%
- Max rate
- 2%
- 5%Best
- Points / ₹100
- 2
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 3Best
- 1
- Lounge spend criteria
- No spend condition
- ₹50,000 spend in the previous 3 calendar months.
- Intl lounge / year
- 2
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹50,000
- ₹25,000
- Invite only
Rows won
05of 11
06of 11
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 78 | 79Best |
| Rating Verdict | Very Good | Very Good |
| Reward Power (35%) | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 18/25 | 22/25 |
| Lounge & Travel (20%) | 18/20 | 11/20 |
| Forex & Access (20%) | 8/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | American Express | Axis Bank |
| Network | Amex | Visa |
| Card type | Premium | Regular |
| Best for | AmEx's India premium — hotel benefits, 3 lounge/qtr + dedicated Priority Pass | Cashback on utility bills via Google Pay and daily spending |
03—Fees Differences highlighted | ||
| Joining fee | ₹10,000 | ₹499Best |
| Annual fee | ₹10,000 | ₹499Best |
| Fee waiver | ₹10,00,000 | ₹2,00,000Best |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42%Best | 55.55% |
| APR (max) | 42%Best | 55.55% |
| Late payment fee | ₹1,000Best | ₹1,300 |
| Cash advance fee | 3.5% | 2.5%Best |
05—Rewards Differences highlighted | ||
| Reward type | points | cashback |
| Min rate | 2%Best | 1.5% |
| Max rate | 2% | 5%Best |
| Points / ₹100 | 2 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 3Best | 1 |
| Lounge spend criteria | No spend condition | ₹50,000 spend in the previous 3 calendar months. |
| Intl lounge / year | 2 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹50,000 | ₹25,000 |
| Invite only | ||
| Rows won | 05of 11 | 06of 11 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | American Express Platinum Reserve Credit Card | ACE Credit Card |
|---|---|---|
| CardCheck Score | 78/100Very Good | 79/100Very Good |
| Annual Fee | ₹10,000 | ₹499 |
| Fee Waiver Spend | ₹10L/yr | ₹2L/yr |
| Max Reward Potential | 2% | 5% |
| Domestic Lounge Access | 3 / quarter | 1 / quarter |
| International Lounge | 2 / year | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose American Express Platinum Reserve Credit Card if:
Your spending centers around amex's india premium — hotel benefits, 3 lounge/qtr + dedicated priority pass and you want direct partner rewards with American Express.
Choose ACE Credit Card if:
Your spending aligns with cashback on utility bills via google pay and daily spending and you prioritize Axis Bank's redemption benefits.
Frequently asked questions: American Express Platinum Reserve Credit Card vs ACE Credit Card
- Which is better: American Express Platinum Reserve Credit Card or ACE Credit Card?
- ACE Credit Card holds a higher overall rating with a CardCheck Score of 79/100 (Very Good) compared to 78/100 (Very Good) for American Express Platinum Reserve Credit Card (a lead of +1 points). ACE Credit Card gains its scoring lead primarily through fee value & ROI (22 vs 18) and forex & terms (12 vs 8) while tying on reward potential.
- How do annual fees and fee waiver spend rules compare?
- American Express Platinum Reserve Credit Card charges an annual fee of ₹10,000 with an annual spend threshold of ₹10 Lakh for renewal fee waiver. In comparison, ACE Credit Card charges an annual fee of ₹499 with an annual spend threshold of ₹2 Lakh.
- How do the reward rates and cashback compare between American Express Platinum Reserve Credit Card and ACE Credit Card?
- American Express Platinum Reserve Credit Card offers a base reward rate of 2% and up to 2% on accelerated partner categories. Meanwhile, ACE Credit Card offers a base rate of 1.5% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: American Express Platinum Reserve Credit Card or ACE Credit Card?
- American Express Platinum Reserve Credit Card provides 3 complimentary domestic lounge visits per quarter (12/year) and 2 international lounge visits/year with Priority Pass. On the other hand, ACE Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year) (₹50,000 spend in the previous 3 calendar months.).
- Which card is better for international foreign currency spends?
- American Express Platinum Reserve Credit Card levies a foreign currency markup fee of 3.5%, while ACE Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).