Is AMEX Platinum better than ICS's Visa World Card Platinum?

The AMEX Platinum (€780/year) offers more exclusive extras such as 1,400+ lounges and free Privium Plus, but is accepted at only around 85% of merchants. The Visa World Card Platinum (€175/year) is considerably cheaper, also offers top-tier insurance, and is accepted almost everywhere thanks to the Visa network.

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