- Joining fee
₹66,000 + GST
- Annual fee
₹66,000 + GST
- Best suited for
Travel, Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
1 MR Point/₹40 Spent Domestically, 3X MR Points on International Spends, and 5X MR Points Via AmEx Reward Multiplier
- Welcome benefits
Vouchers Worth ₹60,000 from Taj Hotels, Luxe Gift Card, or The Postcard Hotels & Resorts
- Reward redemption
Membership Rewards Points can be redeemed against dining, travel, and accessories on AmEx’s Membership Rewards Redemption portal.
Benefits
- Movie & dining
Complimentary EazyDiner Prime Membership, 50% Discount at Premium Restaurants, and ₹500 Off on the Second Movie Ticket Purchased with PVR INOX (Once Each Month)
- Travel
Accelerated Reward Points on International Spends
- Domestic lounge
Unlimited Free Airport Lounge Access
- International lounge
Access to Over 1,550 Airport Lounges Globally, Including American Express Lounges, Priority Pass Lounges, and Delta Lounges
- Golf
Complimentary Access to Premium Domestic and International Golf Courses
- Insurance
Personal air accident coverage worth Rs. 5 crore, cover of Rs. 50,000 for loss of check-in Baggage/ passport/ document, overseas medical insurance of USD 50,000 for the first 7 days of the trip.
Fees & charges
- Rewards redemption fee
Nil
- Foreign currency markup
3.5% of the transaction amount
- Interest rates
3.5% per month
- Fuel surcharge waiver
Fuel surcharge is waived at all HPCL fuel stations for purchases up to Rs. 5,000, 1% surcharge applicable on BPCL and IOCL stations and 2.5% surcharge applicable at all other fuel stations.
- Cash advance charges
3.5% of the advanced amount subject to a minimum charge of Rs. 250.
Product highlights
- Welcome gift vouchers worth ₹60,000 from top hotels like Taj and Postcard.
- 1 MR (Membership Reward) for every ₹40 spent with the card (except utility and insurance transactions).
- Up to 5 Membership Rewards Points for every ₹100 spent on fuel.
- 3X Membership Rewards on spending abroad.
- 5X Membership Rewards Points on the AmEx’s Rewards Multiplier portal.
- There is no preset credit limit.
- 24×7 global concierge service.
- Travel-related insurance benefits, including personal air-accidental death insurance worth ₹5 crores.
- Up to 50% off at over 1800 premium restaurants in India and a complimentary membership to EazyDiner Prime.
- Access to over 1,400 airport lounges globally, including Centurian Lounges and American Express Lounges.
Pros & cons
Pros
- This card offers complimentary domestic and international lounge access.
- With this card, you can get up to 50% off on partner restaurants.
Cons
- This card comes with a high annual fee of ₹66,000.
- There isn’t any waiver of the annual fees with this card.
FAQs
What are American Express Charge cards?
Charge cards are American Express’ category of super premium credit cards. American Express offers only two charge cards: the Platinum and Gold Charge Card. These cards have no preset credit limit and offer many premium benefits.
Do I get Membership Rewards Points on fuel purchases?
Yes, you get 1 Membership Rewards Point per ₹100 spent on fuel purchases. Under a special offer, AmEx offers 4 bonus Points per ₹100 (i.e., total 4+1 = 5 Points) on every ₹100 spent on fuel purchases. The max cap on the bonus Reward Points is 5,000 Points per calendar month.
Does this card support contactless payments?
Yes, you need not enter the PIN for transactions of up to ₹5,000.
Can I get this credit card anywhere in India?
No, the American Express Platinum credit card can be issued only to residents of Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Kolkata, Indore, Coimbatore, Chandigarh/Tricity, Ahmedabad, Surat, Vadodara, Bhopal, Bhubaneshwar, Ernakulam, Vijayawada, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum, Mysuru, Cuttack, and Vizag.
What is the validity of American Express Membership Rewards Points?
The Membership Rewards Points do not expire.