American Express Platinum Card vs Kotak Infinite Credit Card: super premium cards compared
American Express Platinum Card costs ₹66,000 a year to keep; Kotak Infinite Credit Card costs ₹30,000. On most spends, American Express Platinum Card returns about 0.63% and Kotak Infinite Credit Card about 2.00%. The income needed to apply is ₹15,00,000 a year for American Express Platinum Card and ₹60,00,000 for Kotak Infinite Credit Card.
| American Express Platinum Card | Kotak Infinite Credit Card | |
|---|---|---|
| Issuer | American Express | Kotak Mahindra Bank |
| Network | American Express | Visa |
| Joining fee | ₹66,000 | ₹30,000 |
| Annual fee | ₹66,000 | ₹30,000 |
| Base return on spends | 0.63% | 2.00% |
| Domestic lounges | Unlimited | Not stated |
| International lounges | Unlimited | Not stated |
| Minimum income | ₹15,00,000 a year | ₹60,00,000 a year |
| Best for | travel, forex, hotels, flights | travel, entertainment, dining |
How to read this
Fees, lounge access and eligibility come from each issuer's own documents. The base return is what most everyday spends earn after converting points to rupees, before category bonuses and caps. Qrates takes no commission from any issuer.
Full pages: American Express Platinum Card · Kotak Infinite Credit Card · Find a card for your spending