American Express Platinum Reserve Credit Card

Name: American Express Platinum Reserve Credit Card
Brand: American Express
Price: 10000 INR
Availability: InStock
Rating: 3.5 (1 reviews)

Overview

The American Express Platinum Reserve Credit Card sits between the ₹5,000 Platinum Travel card and the ₹66,000 Platinum charge card in Amex India's lineup. Priced at ₹10,000 plus GST for both joining and annual renewal, it targets spenders comfortable with ₹50,000 or more per month. Hit ₹10 lakh in annual spend and the renewal fee gets fully waived.Rewards run on the Membership Rewards programme: 1 point per ₹50 on all eligible purchases, with no expiry and no earning cap. The Reward Multiplier portal gives 3X points on 50+ brands like Apple and MakeMyTrip, while RewardXcelerator delive₹5X on direct brand purchases. On top of this, the monthly voucher programme credits ₹1,000 in brand vouchers every month you cross ₹50,000 in spending, adding up to ₹12,000 annually across brands like Tata CLiQ Luxury, BookMyShow, and MakeMyTrip.Lounge access cove₹12 domestic visits per year (capped at 3 per quarter) and 2 international visits through a complimentary Priority Pass membership worth $99. Golf access at 30+ courses across India is available twice a month when you meet the ₹50,000 monthly spending threshold. No green fee applies.Three complimentary lifestyle memberships come bundled: Taj Epicure Plus (worth ₹10,000 + GST) with 20% off on room stays and 25% off on food at Taj properties, ALL Accor+ Explorer with 15% off at 4,500+ hotels worldwide, and EazyDiner Prime (worth ₹3,000 + GST) with 25% to 50% off at premium restaurants. A ₹1 crore air accident insurance, purchase protection covering 60 days, and 24x7 Platinum Concierge service complete the package.

Pros

↑₹12,000 in annual brand vouchers plus never-expiring Membership Rewards points create strong combined value for regular spenders above ₹50,000 per month
↑Three bundled lifestyle memberships (Taj Epicure Plus, Accor+ Explorer, EazyDiner Prime) worth over ₹13,000 in fees alone, covering hotels, dining, and travel
↑Golf access at 30+ courses, 14 total annual lounge visits, and ₹1 crore air accident insurance pack significant premium perks into one card

Cons

↓American Express acceptance in India remains limited compared to Visa or Mastercard, especially at smaller merchants and in tier-2 cities
↓₹10,000 + GST annual fee needs ₹10 lakh in yearly spending for a waiver, a high bar even for the target income bracket
↓Only 2 international lounge visits per year through Priority Pass, noticeably fewer than competing premium cards at similar price points

Key Highlights

Welcome Offer
11,000 MR points on ₹30K spend in 90 days
Spend ₹30,000 within 90 days of card membership
Earn 11,000 Bonus Membership Rewards points
Available only in 1st year on payment of annual fee
Redeemable for vouchers, travel, and card charges

Reward Rate
₹12,000 in annual brand vouchers
Spend ₹50,000 per month to earn ₹1,000 voucher
Choose from Tata CLiQ Luxury, BookMyShow, MakeMyTrip
Enrolment required for the monthly voucher programme
Up to ₹12,000 per year on consistent monthly spend

Minimum Salary
₹6 lakh annual income required
Age: 18 years and above for primary cardholder
Indian resident with bank savings or current account
Good credit history with no payment defaults
Available in 20 cities across India

Joining Fee
₹10,000 + GST (joining and annual)
Same fee for joining and annual renewal
GST of 18% applies on all fees
Up to 4 supplementary cards at no extra cost
Welcome gift of 11,000 MR points in first year

Annual Fee
₹10,000 + GST (waived on ₹10L spend)
Annual spend of ₹10,00,000 required for waiver
100% waiver of renewal fee on meeting threshold
Eligible spends exclude cash advances and balance transfers
Membership year cycle applies

Why Choose?
Priority Pass and 14 annual lounge visits
12 domestic visits (3 per quarter)
2 international visits via Priority Pass
Priority Pass membership worth $99 included free
Additional visits at $35 per person per visit

Key Benefits

Dining

★4.0

▼

Complimentary EazyDiner Prime membership worth ₹3,000 + GST
25% to 50% off at premium restaurants via EazyDiner
25% off on food and beverages at Taj hotel restaurants
Up to 30% off on dining in Asia Pacific via Accor+ Explorer
Dedicated 24-hour VIP line for Prime members

Fuel

★3.0

▼

0% convenience fee on HPCL fuel transactions under ₹5,000
1% fee applies for HPCL transactions of ₹5,000 and above
1% fee at BPCL and IOCL (min ₹10 + taxes)
2.5% fee at other fuel stations (min ₹10 + taxes)
No Membership Rewards points earned on fuel purchases

Lifestyle

★4.5

▼

Taj Epicure Plus membership worth ₹10,000 + GST included free
ALL Accor+ Explorer membership with hotel and dining benefits
Golf access twice a month at 30+ courses across India
Platinum Concierge for dining reservations, gifts, and events
100+ exclusive merchant offers across retail, travel, and dining

Premium

★4.5

▼

24x7 Platinum Concierge service for travel and lifestyle needs
₹1 crore air accident insurance via ICICI Lombard
Purchase protection for 60 days against theft and damage
Emergency card replacement within 2 business days worldwide
Zero lost card liability for unauthorized transactions

Reward Points

★4.0

▼

1 Membership Rewards point per ₹50 spent on eligible purchases
Points never expire and have no earning cap
3X points on 50+ brands via Reward Multiplier portal
5X rewards on select brands via RewardXcelerator (no code needed)
Redeem for vouchers from Amazon, Myntra, and 100+ brands

Shopping

★3.0

▼

Monthly voucher of ₹1,000 on ₹50,000 spend, redeemable across brands
5X rewards via RewardXcelerator on direct brand purchases
3X points on 50+ brands through Reward Multiplier portal
INSTA vouchers from 100+ brands using Membership Rewards points
No category-specific accelerated earn rates for general shopping

Travel

★4.0

▼

Priority Pass with 2 international lounge visits annually
12 domestic lounge visits (3 per quarter)
Accor+ Explorer with 15% off at 4,500+ hotels worldwide
Taj Epicure Plus with 20% off on room stays at Taj properties
₹1 crore air accident insurance on flights booked with the card

Airport Lounge Access

▼

12 complimentary domestic lounge visits per year (3 per quarter)
2 complimentary international lounge visits via Priority Pass
Priority Pass membership worth $99 included free
Access to 1,400+ lounges across 100+ countries
Additional visits at $35 per person per visit

Detailed Information

Joining Fee	₹10,000 + GST
Annual Fee	₹10,000 + GST
Annual Fee Waiver	Waived on ₹10 lakh annual spend in preceding membership year
Monthly Percentage Rate	3.75%
Annual Percentage Rate	45%
Minimum Monthly Payment	5% of total amount due or ₹100, whichever is higher
Foreign Currency Markup	3.5% + applicable taxes
Late Payment Charges	Up to ₹1,300 based on outstanding balance
Overlimit Charges	2.5% of overlimit amount
Cash Advance Fee	2.5% of amount (min ₹500)
Balance Transfer Fee	Contact customer service for current offers and rates
Fee For Supplementary Card	Nil (up to 4 supplementary cards)
Card Replacement Fee	Nil (free emergency replacement within 2 business days)
Fee For Duplicate Statement	₹100 per statement
Fee For Cheque Bounce	₹500

Age Requirement Salaried	18 years and above
Age Requirement Self Employed	18 years and above (company trading for 12+ months)
Minimum Annual Income Salaried	₹6 lakh per annum
Minimum Annual Income Self Employed	₹6 lakh per annum
Minimum Credit Score	Good credit history with no payment defaults

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 proof (company trading 12+ months)

Frequently Asked Questions

The annual fee is ₹10,000 plus GST (18%), totalling approximately ₹11,800. The same amount applies as the joining fee in the first year.

The annual renewal fee gets 100% waived if your total spending on the card crosses ₹10 lakh in the preceding membership year. Eligible spends exclude cash advances, balance transfers, and fees.

You get 11,000 Bonus Membership Rewards points as a welcome gift. To qualify, spend ₹30,000 within 90 days of your card membership and pay the annual fee.

You earn 1 Membership Rewards point for every ₹50 spent on eligible purchases. Spending on fuel, insurance, utilities, and cash transactions does not earn points. EMI conversions at point of sale also do not qualify.

No. Points earned on the Platinum Reserve Credit Card have no expiry date and no cap on how many you can accumulate.

Spend ₹50,000 or more in a calendar month and earn a ₹1,000 brand voucher. You can choose from brands like Tata CLiQ Luxury, BookMyShow, and MakeMyTrip. Maximum benefit is ₹12,000 per year.

You need to enroll through the American Express website or by clicking the enrollment link on the card benefits page. Once enrolled, vouchers are automatically issued when you meet the ₹50,000 monthly spend target.

You get 12 complimentary domestic lounge visits per year, limited to 3 per quarter. For international lounges, you get 2 complimentary visits per calendar year through Priority Pass.

Yes. The card includes complimentary Priority Pass membership worth $99 annually, giving access to 1,400+ VIP lounges across 100+ countries. You need to enroll separately to activate it.

After exhausting your free visits, each additional international visit costs $35 per person per visit. Guest visits also cost $35 each, even if you have free visits remaining.

The card includes a complimentary Taj Epicure Plus membership worth ₹10,000 plus GST. Benefits include 20% off on room stays at Taj properties, 25% off on food and beverages, 20% off on spa treatments, and a complimentary birthday cake.

Accor+ Explorer gives you 15% off on hotel stays at 4,500+ hotels worldwide across 30+ chains like Fairmont and Pullman. You also get up to 30% off on dining at 1,200+ restaurants in Asia Pacific, up to 50% off on Red Hot Rooms deals, and fast tracking to Silver status.

EazyDiner Prime, worth ₹3,000 plus GST, gives you 25% to 50% off at premium restaurants and bars. It also includes 2,000 joining bonus EazyPoints, 2X point earning, and a dedicated 24-hour VIP line at 7861004400.

Spend ₹50,000 in a calendar month and get complimentary access twice in the month after next to 30+ golf courses across India. No green fee applies. Golf lessons at discounted rates are also available to you and supplementary cardmembers.

You get 0% convenience fee on HPCL fuel transactions under ₹5,000. For HPCL transactions of ₹5,000 or above, a 1% fee applies. At BPCL and IOCL, a 1% fee (min ₹10 + taxes) applies. No Membership Rewards points are earned on fuel purchases.

You need a personal annual income of ₹6 lakh or above. This requirement applies to both salaried and self-employed applicants.

You must be over 18 years of age to apply for the primary card. There is no separate age requirement listed for self-employed applicants beyond the standard 18+ threshold.

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

Yes. You can add up to 4 supplementary cards at no additional cost. Spending on supplementary cards earns Membership Rewards points for the primary account and counts towards spend milestones.

Items purchased with the card are covered for 60 days against theft (due to burglary) and damage (from fire, earthquake, flood, storm, or cyclone). Claims must be reported to ICICI Lombard within 30 days of the loss.

Yes. You are automatically insured for up to ₹1 crore against loss of life in an air accident when you buy your air ticket with this card. The benefit is provided through ICICI Lombard General Insurance.

International transactions carry a markup of 3.5% plus applicable taxes on the transaction amount. This applies to all purchases made in a foreign currency.

Yes. The card supports contactless payments. For purchases under ₹5,000, you can tap and pay without entering a PIN at merchants with American Express contactless readers.

Yes. You can convert eligible purchases into EMI through the American Express app or online account. EMI offers are available across categories like electronics, travel, and home appliances.

Reward Multiplier lets you earn 3X Membership Rewards points on 50+ brands like Apple and MakeMyTrip when you shop through the portal. RewardXcelerator gives 5X rewards on select brands through direct purchases with no promo code or enrolment needed.

Overview

Pros

Cons

Key Highlights

Key Benefits

Detailed Information

Frequently Asked Questions

Related Products

Pros

Cons