American Express Platinum Reserve Credit Card vs Bandhan Bank Lumina Credit Card
American Express · Bandhan Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
American ExpressScoreVery Good
Annual Fee₹10,000
Max Reward2%
Bandhan BankScoreExcellent
Annual Fee₹9,999
Max Reward3%
Bandhan Bank Lumina Credit Card leads overall with a CardCheck Score of 84/100 (+6 pts over American Express Platinum Reserve Credit Card).
4-Pillar Head-to-Head Breakdown
American vs BandhanReward Power
35%American34/35
Bandhan34/35
Tie (34/35)
Fee Value & ROI
25%American18/25
Bandhan18/25
Tie (18/25)
Lounge & Travel
20%American18/20
Bandhan18/20
Tie (18/20)
Forex & Access
20%American8/20
Bandhan14/20
Bandhan Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 78
- 84Best
- Rating Verdict
- Very Good
- Excellent
- Reward Power (35%)
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 18/20
- 18/20
- Forex & Access (20%)
- 8/20
- 14/20
02—Basic Info
- Bank
- American Express
- Bandhan Bank
- Network
- Amex
- Mastercard
- Card type
- Premium
- Premium
- Best for
- AmEx's India premium — hotel benefits, 3 lounge/qtr + dedicated Priority Pass
- Travel and dining rewards
03—Fees
- Joining fee
- ₹10,000
- ₹9,999Best
- Annual fee
- ₹10,000
- ₹9,999Best
- Fee waiver
- ₹10,00,000Best
- ₹12,00,000
04—Interest
- APR (min)
- 42%
- 18%Best
- APR (max)
- 42%
- 42%
- Late payment fee
- ₹1,000
- FreeBest
- Cash advance fee
- 3.5%
- 0%Best
05—Rewards
- Reward type
- points
- points
- Min rate
- 2%
- 2%
- Max rate
- 2%
- 3%Best
- Points / ₹100
- 2
- 8Best
06—Travel & Lounge
- Domestic lounge / qtr
- 3
- 8Best
- Lounge spend criteria
- No spend condition
- No spend condition
- Intl lounge / year
- 2
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 1%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹50,000
- ₹1,50,000
- Invite only
Rows won
01of 11
10of 11
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 78 | 84Best |
| Rating Verdict | Very Good | Excellent |
| Reward Power (35%) | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 18/20 | 18/20 |
| Forex & Access (20%) | 8/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | American Express | Bandhan Bank |
| Network | Amex | Mastercard |
| Card type | Premium | Premium |
| Best for | AmEx's India premium — hotel benefits, 3 lounge/qtr + dedicated Priority Pass | Travel and dining rewards |
03—Fees Differences highlighted | ||
| Joining fee | ₹10,000 | ₹9,999Best |
| Annual fee | ₹10,000 | ₹9,999Best |
| Fee waiver | ₹10,00,000Best | ₹12,00,000 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 18%Best |
| APR (max) | 42% | 42% |
| Late payment fee | ₹1,000 | FreeBest |
| Cash advance fee | 3.5% | 0%Best |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 2% | 2% |
| Max rate | 2% | 3%Best |
| Points / ₹100 | 2 | 8Best |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 3 | 8Best |
| Lounge spend criteria | No spend condition | No spend condition |
| Intl lounge / year | 2 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 1%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹50,000 | ₹1,50,000 |
| Invite only | ||
| Rows won | 01of 11 | 10of 11 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | American Express Platinum Reserve Credit Card | Bandhan Bank Lumina Credit Card |
|---|---|---|
| CardCheck Score | 78/100Very Good | 84/100Excellent |
| Annual Fee | ₹10,000 | ₹9,999 |
| Fee Waiver Spend | ₹10L/yr | ₹12L/yr |
| Max Reward Potential | 2% | 3% |
| Domestic Lounge Access | 3 / quarter | 8 / quarter |
| International Lounge | 2 / year | None |
| Forex Markup Fee | 3.5% | 1% |
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 Bandhan Bank Lumina Credit Card if:
Your spending aligns with travel and dining rewards and you prioritize Bandhan Bank's redemption benefits.
Popular Comparisons for American Express Platinum Reserve Credit Card
Direct side-by-side MITC term matchups
Popular Comparisons for Bandhan Bank Lumina Credit Card
Direct side-by-side MITC term matchups
Frequently asked questions: American Express Platinum Reserve Credit Card vs Bandhan Bank Lumina Credit Card
- Which is better: American Express Platinum Reserve Credit Card or Bandhan Bank Lumina Credit Card?
- Bandhan Bank Lumina Credit Card holds a higher overall rating with a CardCheck Score of 84/100 (Excellent) compared to 78/100 (Very Good) for American Express Platinum Reserve Credit Card (a lead of +6 points). Bandhan Bank Lumina Credit Card gains its scoring lead primarily through forex & terms (14 vs 8) while tying on reward potential and fee value & ROI and lounge & travel privileges.
- 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, Bandhan Bank Lumina Credit Card charges an annual fee of ₹9,999 with an annual spend threshold of ₹12 Lakh.
- How do the reward rates and cashback compare between American Express Platinum Reserve Credit Card and Bandhan Bank Lumina Credit Card?
- American Express Platinum Reserve Credit Card offers a base reward rate of 2% and up to 2% on accelerated partner categories. Meanwhile, Bandhan Bank Lumina Credit Card offers a base rate of 2% and up to 3% 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 Bandhan Bank Lumina 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, Bandhan Bank Lumina Credit Card provides 8 complimentary domestic lounge visits per quarter (32/year).
- 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 Bandhan Bank Lumina Credit Card charges 1%. 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).