Personal visit: I asked for it - not possible as we are living in Belgium, they only do this in NL.
Bankaccount profile screenshot from online bank account: Not accepted, because no date on it
Bank statements: Included a date, but not the address, rejected.
Salary statement: only annual written statement available from 2020 assignments - not accepted, because needs to be max 3 months old
Energy / phone bills: Contracts are in my name, so far not accepted

have you checked the terms+conditions of both to compare at least ? Can be interesting to show how (i guess) amex signed a very bad deal with AXA (for end users of course)

I did not do a word for word comparison, but the travel related cover is similar to what AMEX-NL offers. As AMEX cancelled travel only, I am only interested in travel because due to COVID restrictions I can not return home to the Far East, but I do move around in Europe.
As far as car rental VISA is much more liberal than AMEX in that car rental does not need to be part of a trip, as long as it is taken at a certain distance from the residence. The avoided extra car insurances have already balanced my yearly VISA fee.

I agree that we are probably not getting the best T&C from AMEX NL and in my experience from several contact with agents, when I mentioned it, nobody gives a ?!%@ and nobody bothers to mention it to more senior management in AMEX NL.

what do they ask during the personal visit? I personally refuse to provide my salary and more information than just my bank account number (which they already have anyway)

Could you tell us with which bank you got the VISA infinite at half the Amex price ?

For car rental insurance, people must be very careful with the insurance provided by AXA on VISA cards: AXA has an exclusion list based on car brands, one must be very careful not to be assigned a car from one of these brands (Infiniti, Lexus, Jeep...)

I've been looking at the options in French and bnp has a visa infinite for 340 per year. The only things missing are the XP and miles

Very true�
But Amex also has limitations as well and some of them surprising. I learned that the hard way with a very average car- a Holden- in NZ two years ago.

BforBank Visa Infinite costs € 200.

What happened?

Damage was not covered by Amex because the car (which is considered luxury in Germany but the lines produced for NZ definitely not�)

You have to be very careful because many cars that are just "average" rank high in terms of theft (I don't know but GMC, Acura or a Dodge Viper are not exactly Ferrari or Maserati ;-)

Excluded vehicles:

AC Cobra, Acura, ARO, Aston Martin, Audax, Bentley, Berkeley Cars, Briklin, Bugatti,
Cadillac, Caterham, Chevrolet corvette, Dodge (Viper, Stealth), Coste, Daimler, De Lorean, De Tomaso, Donkervoort, Eagle,
Excalibur, Ferrari, Geo, Gillet, Ginetta, GMC, Graham Paige, GTM, Holden, Hudson, Hummer, Imola, Infiniti, Intermecanica,
International Harvester, Isdera, Jaguar, Jensen, Lamborghini, Lexus, Lincoln, Lotus, Maserati, Mac Laren, Mikrus, Mopar,
Morgan,Mega, Packard, Pierce Arrow, Porsche, Riley motor car, Rolls Royce, Stallion, Studebaker, Tucker,TVR, Venturi,
Wiesmann, Kit Cars

They wanted to see the passport and looked at the telephone bill. That was all.

I got my card from HSBC in France.

The T&C only restrict the type of rental companies that can be used. Hertz, Avis etc are OK

Holden, a luxury brand .

Gee, I rented quite a few in Australia. I did not know that....

Right?

Neither is Dodge, Acura or GMC but Axa's actuaries apparently think so