American Express Platinum Travel vs Kotak Air+
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
American Express Platinum Travel Credit Card wins 2 of 8 dimensions with a CardTrail Score of 7.9/10 vs 7.8/10.
| Feature | American Express Platinum Travel | Kotak Air+ |
|---|---|---|
| CardTrail Score | 7.9/10 | 7.8/10 |
| Annual Fee | ₹5,000 | ₹999 |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 3% | 5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 8 | 4 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Amex | Visa Signature |
When to Choose American Express Platinum Travel
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: travel, lounge, rewards
When to Choose Kotak Air+
- You want higher rewards — up to 5% vs 3%
- Your primary spend is: travel, rewards
Annual Fee Value Analysis
To break even on American Express Platinum Travel's ₹5,000 fee at 1% rewards, spend ₹41,667/month.
To break even on Kotak Air+'s ₹999 fee at 1% rewards, spend ₹8,325/month.