American Express Platinum Credit Card
American Express American Express

American Express Platinum Credit Card

/assest/image/icons/lounge-access.svg Airport Lounge Access
/assest/image/icons/dining.svg Dining
/assest/image/icons/rewards.svg Reward Points
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Joining Fee: ₹66000* Plus Applicable Taxes

Renewal Fee: ₹66000*Plus Applicable Taxes

Airport Lounge Access Airport Lounge Access
Dining Dining
Reward Points Reward Points
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Joining Fee: ₹66000* + Tax

Renewal Fee: ₹66000* + Tax

Welcome benefits:- Vouchers worth up to Rs. 60,000 on spending Rs. 50,000 in first two months of card membership and on payment of annual fee.

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About American Express Platinum Credit Card

The American Express® Platinum Card is a high-end card with no fixed spending limit. It gives you free memberships to popular hotel programs like Taj, Hilton, Marriott, and Radisson, which is very useful for people who travel often. With this card, you also get free access to airport lounges around the world, free golf games and lessons at top golf courses, special entry to VIP events, and help from the Platinum Concierge service whenever you need it. Even though the reward rate is not very high, the many ways to use points and the premium travel and lifestyle benefits make this card special for those who like comfort and luxury.

American Express Platinum Credit Card Rewards Program

Rewards Program

  • Earn 1 Membership Reward Point for every ₹40 spent.
  • Get 3X Reward Points on international spends.
  • Get 5X Reward Points on spends at popular brands like Myntra, Apple, Dyson, MakeMyTrip, and more (via Reward Multiplier).
  • Earn 1 Reward Point for every ₹100 spent on fuel.
  • Get 4 bonus Reward Points for every ₹100 spent on fuel (up to 5,000 bonus points per month).
  • Redeem points for 500+ options on the Reward Redemption Portal.

Note: Insurance and utility bill payments do not earn reward points.

Points Redemption

  • Redeem points for products, vouchers, or travel bookings at 1 MR Point = ₹0.25 through the Amex Rewards Catalogue.
  • Option to transfer points to airline and hotel partners:
    • Airlines: Asia Miles, British Airways, Emirates, Etihad Guest, Qatar Privilege Club, Singapore Airlines, Virgin Atlantic → 2:1 conversion.
    • Club Vistara: 3:1 conversion.
    • Marriott Bonvoy: 1:1 conversion.
    • Hilton Honors: 1,000 MR Points = 900 Hilton Honors Points.
  • You can also use points to pay your card charges.

Other Features and Benefits

Welcome & Renewal Benefits

  • Get vouchers worth up to ₹60,000 when you spend ₹50,000 in the first 2 months and pay the annual fee. You can choose from:
    1. Taj Hotels & Palaces – worth ₹50,000
    2. Reliance Brands Luxe Gift Cards – worth ₹35,000
    3. Postcard Hotels & Resorts – worth ₹60,000
  • Free Times Ace Membership – access 40+ OTT apps & magazines including Disney+ Hotstar, Amazon Prime Lite, etc.
  • Get vouchers worth up to ₹35,000 from Taj, Reliance Brands Luxe Gift Card, or Postcard Hotels when you spend ₹20 Lakh in a year.

Hotel Benefits

  • Enjoy benefits worth ₹44,300 at luxury hotels worldwide like Four Seasons, Ritz-Carlton, and Mandarin Oriental.
    1. Room upgrades at check-in
    2. Free daily breakfast for 2
    3. Guaranteed 4 PM late checkout
    4. Free Wi-Fi
    5. Complimentary US $100 hotel credit for dining/spa/other eligible spends

  • Domestic Hotel Benefits:

    1. 25% off at Taj, SeleQtions, and Vivanta Hotels
    2. 50% off on Suites at Oberoi Hotels & Resorts
    3. At Lalit Hotels (minimum 2-night stay): 3rd night free, dinner for two, or spa session.

Complimentary Hotel Memberships (without meeting normal spend requirements):

  • Marriott Bonvoy Gold Elite Status
  • Hilton Honors Gold Elite Status
  • Taj Epicure Plus Membership
  • Radisson Rewards Premium Status
  • Hertz Gold Plus Rewards (car rentals)
  • Accor Plus Traveller Membership
  • Postcard Hotel Sunshine Club Platinum Tier
  • I Prefer Titanium Membership (Leela Hotels, Dusit Thani & more)

Benefits via Complimentary Hotel Memberships

Taj Reimagined Epicure Plus

  • 25% off on dining, takeaway, and food deliveries (Qmin)
  • 20% off on spa treatments & salon services
  • 20% off on stays at Taj Hotels, Palaces, and Safari Lodges
  • Pool access with lunch & wine at ₹3,000/person (up to 4 guests)
  • Happy hours at Taj Club Lounge (select hotels)

Marriott Bonvoy™ Gold Elite

  • Free room upgrade at check-in (subject to availability)
  • 10 points per US$1 + 25% bonus points
  • Late checkout till 2 PM (based on availability)
  • Bonus points as a welcome gift

Hilton Honors Gold Elite

  • Free room upgrades + 80% bonus on points
  • Free continental breakfast / F&B credit at select hotels
  • Free 5th night on bookings via points
  • Free Wi-Fi on direct bookings (Hilton.com / Platinum Travel Service)
  • Choose room & order ahead via Hilton Honors app

Radisson Rewards Premium

  • Option: 3X points OR up to 20% off stays + 10% off dining
  • 5 points per US$1 on events/meetings
  • Priority line access
  • Free room upgrade + early check-in & late checkout

Hertz Gold Plus Rewards® (Car Rentals)

  • Priority service at counters
  • Free one-class car upgrade (based on availability)
  • Up to 15% off rentals + 25% off Prestige Collection
  • 4-hour return grace period
  • Free additional driver (spouse/partner)

Travel Benefits

Complimentary Lounge Access – 1,300+ lounges worldwide via Amex Global Lounge Collection

  • American Express Lounges
  • Priority Pass Lounges
  • Escape Lounges
  • The Centurion Lounges
  • Delta Sky Club (only when flying Delta)
  • Partner lounges in India

(Note: Guest visits to Centurion Lounges in Delhi & Mumbai are no longer free.)

Airline Benefits

  • Special offers on airlines like Emirates, Qatar Airways, Virgin Atlantic, Air France, KLM, Delta & more.

Golf Benefits

  • Unlimited complimentary games + lessons at:
    • 30+ golf courses in India
    • 50+ golf courses abroad
  • Popular Indian courses include:
    • Jaypee Greens (Noida)
    • Prestige Golfshire (Bengaluru)
    • Kalhaar Blues & Greens (Ahmedabad)
    • Golden Greens (Gurugram)
    • Golden Swan Academy (Mumbai)
    • AKDR Village (Chennai)

Conditions:

  • Weekday booking: 4 days in advance (India), 15 days (International)
  • Weekend booking: 10 days in advance (India), 15 days (International)
  • Only green fee is free (caddy/cart charges extra)
  • Only one confirmed slot per cardholder at a time
  • This is not a golf club membership, only green fee waiver

Other Benefits on American Express® Platinum Card

  • Special access to pre-sale tickets for VIP events like concerts, fashion weeks, Grammy Awards, and more.
  • Instant cashback up to ₹8,000 on Apple products when shopping at Apple stores or on the website.
  • Up to 50% off at top restaurants with free EazyDiner Prime Membership, which also gives you a free drink, priority reservations, and a 24×7 VIP helpline.
  • Free golf games and lessons every year at 30+ golf courses in India and 50+ international courses.
  • 24×7 concierge service to help with reservations, travel assistance, visas, and more.
  • Travel insurance up to ₹5 Crore, including:
    1. Air accident cover: ₹5 Crore
    2. Overseas medical insurance: USD 50,000
    3. Protection against loss or damage of goods within 90 days of purchase

Fees and Charges

Fee/ChargeAmount/Rate
Annual FeeRs. 66,000 plus applicable taxes
Add-on Card FeeRs. 10,000 plus applicable taxes
Cash Advance Fee3.5% of the cash advance amount (Min. Rs. 250)
Forex Markup Fee3.5%

Things to Know Before you apply

Get this card if:

  • You travel abroad often and want premium travel benefits.
  • You stay at luxury 5-star hotels and want to save with complimentary memberships.
  • You spend a lot and prefer a card with no fixed credit limit.
  • You can use the airline and hotel benefits multiple times in a year to balance out the high annual fee.
  • You don’t mind paying a high annual fee for exclusive lifestyle and travel perks.
  • You are a heavy spender and want to earn good reward points on your spending.

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For American Express Platinum Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

American Express Platinum Credit Card Hilights

What do we like about this card?

  • Premium lifestyle and travel credit card.
  • Unlimited airport lounge access (domestic & international).
  • Complimentary hotel memberships and elite status with top hotel chains.
  • Golf games and lessons at 80+ golf courses worldwide.
  • Exclusive dining discounts with EazyDiner Prime Membership.
  • 24×7 Platinum Concierge for travel, dining, and event bookings.

Pros

  • Unlimited global airport lounge access (Priority Pass + Centurion Lounges).
  • Premium hotel memberships & elite status (Marriott, Hilton, Taj, etc.).
  • Complimentary golf access in India & abroad.
  • Dining perks with EazyDiner Prime.
  • 24×7 Platinum Concierge for travel, dining & events.
  • Travel insurance up to Rs. 5 Crore.

Cons

  • Very high annual fee (₹60,000+GST).
  • Reward points structure not as attractive for everyday spending.
  • Best suited only for high-spending, frequent travelers.
  • Limited merchant acceptance of Amex in smaller towns/local stores.
  • No fuel surcharge waiver.

American Express Bank Credit Card Contact Details

  • Contact Address: American Express Banking Corp. Cyber City, Tower C, DLF Bldg. No. 8, Sector 25-A, DLF City Phase II, Gurgaon – 122002, Haryana, India
    Helpline:1800 419 3646 (Toll-Free, India) +91 124 2801800 (International)
    Simply SMS: Send AMEXHELP to 561616 for instant assistance
     

Frequently Asked Questions

Everything you need to know about this credit card

The annual fee is ₹60,000 + GST.

Yes, you get unlimited global lounge access, including Priority Pass and Centurion Lounges.

Yes, you get elite status and benefits with Marriott, Hilton, Taj, and other luxury hotels.

Yes, but it is more useful for travel and lifestyle spends as the reward rate is better on those.

No, this card does not offer a fuel surcharge waiver.

Yes, you get complimentary golf rounds in India and abroad.

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