American Express Platinum Card

Name: American Express Platinum Card
Brand: American Express
Price: 66000 INR
Availability: InStock
Rating: 4 (1 reviews)

Overview

The American Express Platinum Card is a metal charge card that requires full payment of your balance each month, with no pre-set spending limit. This positions it as a premium spending tool rather than a revolving credit product. The ₹66,000 plus GST annual fee places it among India's most expensive personal cards, but the bundled benefits add up to a claimed annual value of ₹4,50,000 when fully used.Travel is the card's strongest suit. The Global Lounge Collection grants access to 1,550+ airport lounges across 140+ countries, including exclusive Centurion Lounges and Priority Pass networks. Fine Hotels and Resorts bookings unlock benefits worth ₹44,300 per stay at 1,300+ luxury properties, including daily breakfast for two, room upgrades, and guaranteed 4pm late checkout. The card also fast-tracks you to elite tier status in 8 hotel loyalty programs: Marriott Bonvoy Gold, Hilton Honors Gold, Radisson Rewards Premium, Taj Epicure Plus, Accor Plus Explorer, Postcard Hotel Sunshine Club, I Prefer Titanium, and Hertz Gold Plus Rewards.On rewards, the card earns 1 Membership Rewards point per ₹40 spent domestically, 3X points on all overseas purchases, and up to 20X points on luxury brands through the Reward Xcelerator program. Points never expire and can be transferred to airline and hotel partners, redeemed for vouchers, or used to cover purchases on your statement. Dining benefits include a complimentary EazyDiner Prime membership with 25% to 50% off at 2,000+ restaurants, plus Amex Wednesdays offering 25% off on Zomato and District up to ₹10,000 per month.The card bundles ₹5 crore air accident insurance, US$50,000 overseas medical cover for the first 7 days of each trip, and purchase protection up to ₹5 lakh for goods bought on the card. A dedicated Platinum Concierge operates 24/7 for reservations, travel arrangements, and personal requests. Emergency card replacement is free worldwide within 2 business days.

Pros

↑1,550+ airport lounges worldwide, the largest collection of any card in India, with Centurion and Priority Pass access included
↑Elite status in 8 hotel loyalty programs and Fine Hotels and Resorts benefits worth ₹44,300 per booking at 1,300+ properties
↑Membership Rewards points never expire, earn 3X on overseas spends, and transfer to airline and hotel partners

Cons

↓₹66,000 plus GST annual fee is among the highest in India, with no spend-based waiver condition
↓As a charge card, the full balance must be paid monthly, offering no revolving credit flexibility for large purchases
↓American Express acceptance remains limited compared to Visa and Mastercard at smaller merchants and in tier 2/3 cities

Key Highlights

Welcome Offer
Welcome gift up to ₹60,000 on ₹50K spend in 2 months
Spend ₹50,000 in first 2 months of membership
Choose from Taj Hotels, Luxe Gift Card, Postcard Hotels
Gift delivered within 6-8 weeks of qualifying
Annual fee payment required to qualify

Reward Rate
1,550+ airport lounges across 140+ countries
Global Lounge Collection: largest of any card in India
Centurion Lounges, Priority Pass, Delta Sky Club
Domestic partner lounges across Indian airports
Primary and supplementary cardholders eligible

Minimum Salary
₹25 lakh income (salaried), ₹15 lakh (self-employed)
Salaried: ₹25 lakh annual income minimum
Self-employed: ₹15 lakh annual income minimum
Age: 18+ years with good credit history
Available in 26 cities across India

Joining Fee
₹66,000 + GST (joining and annual)
Joining and annual fee both ₹66,000 + GST
No spend-based annual fee waiver
Renewal benefit of ₹35,000 on ₹20 lakh spend
Full balance must be paid monthly (charge card)

Annual Fee
₹66,000 + GST (no waiver, renewal benefit available)
₹35,000 voucher on ₹20 lakh annual spend
Choose from luxury experience vouchers
Requires payment of renewal fee to qualify
GST charged on all fees as applicable

Why Choose?
8 hotel elite status programs included
Marriott Bonvoy Gold Elite Status
Hilton Honors Gold Status
Taj Epicure Plus Membership
Radisson Rewards Premium, Accor Plus, and more

Key Benefits

Dining

★4.5

▼

EazyDiner Prime: 25% to 50% off at 2,000+ premium restaurants
Amex Wednesdays: 25% off on Zomato and District, up to ₹10,000 per month
25% off on total bill at 70+ curated restaurants via Amex Dining programme
Dedicated 24/7 VIP concierge for restaurant reservations

Fuel

★3.0

▼

5 Membership Rewards points per ₹100 spent on fuel
Up to 5,000 bonus fuel points per calendar month
Fuel includes petrol, diesel, CNG from oil marketing companies
No fuel surcharge waiver on this card

Lifestyle

★4.5

▼

Ace by Times Prime: 40+ complimentary subscriptions (Jio Hotstar, WSJ, Vogue)
PVR Inox: second ticket up to ₹500 off plus complimentary F&B monthly
Golf access at 30+ India and 50+ international courses
Exclusive event access: concerts, fashion weeks, sporting events

Milestone

★3.5

▼

Renewal benefit: ₹35,000 voucher on ₹20 lakh annual spend
Welcome gift worth up to ₹60,000 on ₹50,000 spend in 2 months
Requires payment of annual/renewal fee to qualify
Choose from Taj Hotels, Luxe Gift Card, Postcard Hotels vouchers

Premium

★5.0

▼

Metal charge card with no pre-set spending limit
24/7 Platinum Concierge for any request worldwide
Exclusive VIP event invitations: concerts, Fashion Weeks, Grammy, Wimbledon, F1
Golf access at 30+ courses in India and 50+ internationally
Ace by Times Prime with 40+ subscriptions (Jio Hotstar, WSJ, Vogue, GQ)

Reward Points

★4.0

▼

1 Membership Rewards point per ₹40 spent (except fuel, insurance, utilities)
3X points on all overseas purchases and foreign currency transactions
5X points via Reward Multiplier at 50+ online brands
Up to 20X points on luxury brands through Reward Xcelerator
Points never expire, transferable to airline and hotel partners

Shopping

★3.5

▼

5X Membership Rewards points at 50+ brands via Reward Multiplier (Apple, Nykaa, Croma, Dyson)
Up to 20X points on luxury brands through Reward Xcelerator
No promo code or minimum spend required for Xcelerator
Points redeemable for e-vouchers across shopping categories

Travel

★5.0

▼

1,550+ airport lounges via Global Lounge Collection worldwide
Fine Hotels and Resorts benefits worth ₹44,300 at 1,300+ properties
Hotel Collection with US$100 experience credit at 600+ hotels
Exclusive airline deals with Air India, Qatar Airways, Virgin Atlantic, and more
Meet and Greet services at 17 airports across India

Airport Lounge Access

▼

Global Lounge Collection with 1,550+ lounges in 140+ countries
Centurion Lounges, Priority Pass, and Delta Sky Club access
Domestic partner lounges across Indian airports
Primary and supplementary cardholders both eligible
Largest airport lounge network of any card in India

Detailed Information

Joining Fee	₹66,000 + GST
Annual Fee	₹66,000 + GST
Annual Fee Waiver	No spend-based waiver; renewal benefit of ₹35,000 voucher on ₹20 lakh annual spend
Monthly Percentage Rate	Not applicable (charge card, full balance due monthly)
Annual Percentage Rate	Not applicable (charge card)
Minimum Monthly Payment	100% of outstanding balance (full payment required each month)
Foreign Currency Markup	3.5% + GST on international transactions
Late Payment Charges	Charged on overdue amounts as per charge card MITC; contact Amex for current rates
Overlimit Charges	No pre-set spending limit (charge card)
Cash Advance Fee	Not available on charge cards
Balance Transfer Fee	Not available on charge cards
Fee For Supplementary Card	Contact Amex India for supplementary card fee
Card Replacement Fee	Nil (free emergency replacement worldwide within 2 business days)
Fee For Duplicate Statement	₹100 per statement
Fee For Cheque Bounce	₹500

Age Requirement Salaried	18+ years
Age Requirement Self Employed	18+ years (business trading 12+ months)
Minimum Annual Income Salaried	₹25 lakh per annum
Minimum Annual Income Self Employed	₹15 lakh per annum
Minimum Credit Score	Good credit history with no payment defaults required

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport Voter ID
Address Proof	Aadhaar Card Passport Utility Bill (recent) Bank Statement
Income Proof Salaried	Latest 3 months salary slips Latest 3 months bank statement Form 16 or ITR
Income Proof Self Employed	Latest 2 years ITR Latest 6 months bank statement Business registration or proof documents

Frequently Asked Questions

The annual fee is ₹66,000 plus applicable GST. There is no spend-based annual fee waiver. However, on spending ₹20 lakh in a membership year and paying the renewal fee, you receive vouchers worth up to ₹35,000 as a renewal benefit.

Yes. Both the joining fee and annual fee are ₹66,000 plus applicable GST. The joining fee is charged when you first get the card, and the annual fee applies on each renewal.

There is no spend-based annual fee waiver. The fee of ₹66,000 plus GST applies regardless of your spending level. The renewal benefit of ₹35,000 in vouchers on ₹20 lakh annual spend partially offsets the cost but does not eliminate the fee.

You receive a welcome gift worth up to ₹60,000 on spending ₹50,000 within the first 2 months of cardmembership and paying the annual fee. You can choose from Taj Hotels, Luxe Gift Card, or The Postcard Hotels and Resorts vouchers. The gift is delivered within 6 to 8 weeks of qualifying.

You earn 1 Membership Rewards point for every ₹40 spent on the card, except on fuel, insurance, and utility payments. Fuel earns 5 points per ₹100 spent. Overseas purchases earn 3X points. You can redeem points for e-vouchers, transfer to airline and hotel partners, cover card charges, or pay with points at checkout.

No. Membership Rewards points on the Platinum Card never expire as long as your card account remains active. This is one of the key advantages over cards with annual point expiry.

Standard domestic spending earns 1 point per ₹40. Overseas spending earns 3 points per ₹40. Fuel earns 5 points per ₹100 (up to 5,000 bonus points monthly). The Reward Multiplier adds up to 5X at 50+ online brands, and Reward Xcelerator gives up to 20X at select luxury brands.

The card gives you access to over 1,550 airport lounges across 140+ countries through the American Express Global Lounge Collection. This is the largest lounge network of any card in India.

The Global Lounge Collection includes Centurion Lounges, Priority Pass lounges (for international travel), Delta Sky Club lounges when flying Delta, Escape Lounges, and domestic partner lounges in India. Both primary and supplementary cardholders can access these lounges.

When you book through Fine Hotels and Resorts, you receive benefits worth ₹44,300 per stay at over 1,300 luxury properties worldwide. Benefits include daily breakfast for two, room upgrade when available, guaranteed 4pm late checkout, complimentary Wi-Fi, and a special amenity worth US$100 at each property. Hotels include Four Seasons, Mandarin Oriental, and The Ritz-Carlton.

The card gives you complimentary elite status in 8 programs: Marriott Bonvoy Gold Elite, Hilton Honors Gold, Radisson Rewards Premium, Taj Epicure Plus, Accor Plus Explorer, Postcard Hotel Sunshine Club Platinum Tier, I Prefer Titanium, and Hertz Gold Plus Rewards. No qualifying stays or nights are needed.

You get a complimentary EazyDiner Prime membership with 25% to 50% off at over 2,000 restaurants, a 24/7 VIP concierge, and 2X EazyPoints. The Amex Dining programme gives up to 25% off at 70+ curated restaurants. Additionally, Amex Wednesdays on Zomato and District give 25% off up to ₹5,000 per transaction, with maximum savings of ₹10,000 per month.

Every Wednesday, you can get 25% off up to ₹5,000 per eligible dine-out transaction when paying through Zomato or District apps. The maximum savings are ₹10,000 per month. This offer is valid until 31 December 2026.

The card includes ₹5 crore air accident insurance when tickets are purchased on the card, complimentary overseas medical insurance of US$50,000 for the first 7 days of each trip (up to 5 trips per year, underwritten by ICICI Lombard), and purchase protection up to ₹5 lakh covering loss or damage within 90 days of purchase from fire, burglary, or natural calamities.

The Platinum Concierge is available 24/7 at 1800 419 1255. It handles last-minute restaurant reservations, travel bookings, visa assistance, event tickets, gift sourcing, and other personal requests. Emergency services include card replacement within 2 business days worldwide, emergency cash advances of up to US$1,000, and medical assistance during overseas trips.

This is a charge card, not a credit card. The full outstanding balance must be paid each month. There is no revolving credit facility, no EMI conversion option, and no pre-set spending limit. Late fees apply if payment is not made by the due date.

Salaried applicants need a personal annual income of ₹25 lakh or above. Self-employed applicants need ₹15 lakh or above, with the business having been operational for at least 12 months.

You must be over 18 years of age to apply for the primary card. You also need a good credit history with no payment defaults, a current residential address in India, and an Indian or multinational bank savings or current account in India.

The card is available for residents of Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Kolkata, Indore, Coimbatore, Chandigarh/Tricity, Ahmedabad, Surat, Vadodara, Bhopal, Bhubaneshwar, Ernakulam, Vijaywada, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum, Mysuru, Cuttack, and Vizag.

Reward Xcelerator lets you earn up to 20X Membership Rewards points on purchases at 20+ handpicked luxury brands, both online and in-store. No promo code or minimum spend is required, and you can earn unlimited bonus points on eligible transactions.

Reward Multiplier gives you 5X Membership Rewards points when you shop from 50+ online brands including Apple, Nykaa, Croma, and Dyson. You access it through the Reward Multiplier portal, select a merchant, fill in basic details, and then shop on the merchant site using your Amex card.

On completing ₹20 lakh in spending during a membership year and paying the renewal fee, you receive vouchers worth up to ₹35,000. You can select from a catalog of luxury experience vouchers.

Yes. You get unlimited access to 30+ golf courses in India and 50+ international courses. Both primary and supplementary cardholders can book tee times through the Amex Experiences app. You can also take lessons from professionals at participating courses.

You get a complimentary Ace by Times Prime membership with 40+ subscriptions and offers. This includes access to Jio Hotstar, Discovery+, Wall Street Journal with Mint, Architectural Digest, GQ, Vogue, TOI+, and more.

International transactions carry a markup of 3.5% plus GST on the transaction amount. However, you earn 3X Membership Rewards points on all overseas purchases, which partially offsets this markup through reward value.