American Express® Platinum Credit Card

The American Express® Platinum Card is a super-premium ‘charge’ card that comes with fantastic perks in areas like travel, lounges, rewards, and dining. It also offers exclusive ‘Platinum Experiences’. The card comes with an annual fee of Rs. 60,000. Keep reading to learn more about its benefits.

Key Highlights of American Express® Platinum Card

American Express® Platinum Credit Card
Best Suited For Travel and Shopping
Annual Fee Rs. 60,000 plus applicable taxes
Minimum Income Requirement
  • Rs. 25 Lakh p.a. for Salaried Applicants
  • Rs. 15 Lakh p.a. for Self-employed Applicants
Welcome Benefit Stay vouchers worth Rs. 45,000 from Taj, SeleQtions and Vivanta Hotels
Best Feature Extraordinary travel benefits; Access to multiple lounge access programs

*Terms and conditions apply.

Travel Benefits:With this credit card, users can enjoy various travel benefits, such as:

Hotel Benefits: Get free benefits worth Rs. 37,000 at top hotels and resorts globally, including places like Four Seasons Hotels and Resorts, Mandarin Oriental, The Ritz-Carlton, and others. Enjoy special privileges like:

  • Guaranteed 4pm late checkout
  • Access to Wi-Fi or special amenities
  • Room upgrades at check-in
  • Daily breakfast for two

Also read: Best Travel Credit Cards in India

Also, get 25% off at Taj, SeleQtions and Vivanta Hotels

Membership to Hotel Loyalty Programs: With the American Express® Platinum Card, you can access high-tier hotel loyalty programs without having the typical requirements. The included hotel loyalty programs are:

  • Radisson Rewards Gold Status
  • Hertz Gold Plus Rewards
  • Marriott Bonvoy™ Gold Elite Status
  • Taj Reimagined Epicure
  • Hilton Honors Gold Status

Lounge Access: Get access to over 1,200 airport lounges worldwide through the American Express Global Lounge Collection, which includes:

  • American Express Lounges
  • Priority Pass Lounges
  • Delta Sky Club Lounge (when flying Delta)
  • Domestic Partner Lounges
  • Escape Lounges
  • The Centurion Lounge

Also read: Best Credit Cards Airport Lounge Access

Rewards Program

When you shop with the American Express® Platinum Card, you earn rewards as follows:

  • 1 Membership Rewards Point for every Rs. 40 spent
  • 3X Membership Rewards Points on all international spends
  • 5X Membership Rewards Points on every purchase through Reward Multiplier
  • Pay with points or redeem from over 500 options on the Reward Redemption Portal
  • Earned points never expire

Also read: Best Rewards Credit Cards in India

Platinum Experiences

American Express® Platinum Cardholders can also enjoy a variety of Platinum Experiences, which include:

  • Exclusive invitations to VIP-only events
  • Complimentary membership to Eazy Diner Prime to avail up to 50% off at 1,800 premium restaurants in India
  • Access to pre-sale tickets and some of the best seats for Fashion Week, Grammy Award, Wimbledon, etc.

Here are some important fees applicable with the American Express® Platinum Card:

Fee/Charge Amount/Rate
Annual Fee Rs. 60,000 plus applicable taxes
Add-on Card Fee Rs. 10,000 plus applicable taxes
Cash Advance Fee 3.5% of the cash advance amount (min. Rs. 350)

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To be eligible for the American Express® Platinum Card, applicants must be residents of India with a good credit history and no defaults. Additionally, they need to meet the following eligibility criteria:

Criteria Details
Minimum Age 18 years
Occupation Salaried or Self-employed
Serviceable Cities Click here to check the list of serviceable cities
Minimum Income
  • Rs. 25 Lakh p.a. for salaried
  • Rs. 15 Lakh p.a. for self-employed
Other Must have a savings or current account in an Indian or Multinational bank

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The American Express® Platinum Card is a super-platinum card that comes with a high annual fee. However, the card offers fantastic benefits, especially for travelers. This card is ideal for those who enjoy first-class travel and luxury accommodations hence making it a great option for those who frequently tour. If you often stay in 5-star hotels and resorts, this card can help you save a lot of money. Additionally, it's a great choice for big spenders, as the rewards rate is higher compared to other super-premium cards.

This card is a charge card, meaning you can't carry a balance to the next billing cycle. You will have to pay off the entire balance as and when due.

You should get this card if:
  • You want really good benefits at 5-star hotels.
  • You travel a lot outside the country and want free access to airport lounges.
  • You are ready to pay a high yearly fee for special benefits.
  • You are a high spender and can earn a bunch of reward points.

Here are some of the Best credit cards that provide benefits similar to the American Express® Platinum Credit Card:

Credit Card Annual Fee Key Feature
SBI Aurum Credit Card Rs. 10,000
  • Joining benefit of 40,000 reward points
  • Complimentary membership to Amazon Prime, EazyDiner Prime, BB Star, Discovery Plus and more
Axis Reserve Credit Card Rs. 50,000
  • Complimentary Priority Pass Membership with unlimited visits
  • Club ITC Culinaire membership, Accorplus membership and Club Marriott Asia Pacific Membership
ICICI Emeralde Credit Card Rs. 12,000
  • Unlimited international and domestic airport lounge access
  • Up to 4 complimentary rounds of golf every month
HDFC Infinia Credit Card Rs. 12,500
  • Complimentary nights & weekend buffet at participating ITC hotels
  • Complimentary Club Marriott membership for first year
HDFC Diners Club Black Credit Card Rs. 10,000
  • Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Dineout Passport, MMT BLACK and Times Prime

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You have the option to compare and apply for American Credit Cards conveniently online through MybankingTips. Here are the steps to do so:

  • Visit MybankingTips American Credit Card Section.
  • Select Your Ideal Credit Card.
  • Click on the ‘ Apply Now’ tab.
  • Fill in the required details to find out if you are eligible to apply for the card.
  • Once you have entered all the necessary information, click on ‘Submit’.
  • After you have successfully provided all the required information, you will receive a message with your application ID.

1. Does American Express® Platinum Card offer low foreign exchange mark-up fee?

No. This credit card has a foreign exchange mark-up fee of 3.5%, which is the standard charge for transactions in other currencies. Unlike many other high-end credit cards that either have a low or no foreign exchange mark-up fee, this could be a drawback of the American Express® Platinum Card.

2. Can I withdraw cash using my American Express® Platinum Card?

Yes, you can take out cash using this card, but there's a limit. Inside India, it's up to Rs. 25,000 every 14 days, and if you're abroad, it's USD 750 every 14 days. However, keep in mind there's a cash advance fee of 3.5% of the withdrawn amount, with a minimum charge of Rs. 250.

3. What are the finance charges on American Express® Platinum Card?

Because the American Express® Platinum Card is a charge card, you can't carry an overdue balance to the next billing cycle by paying finance charges. This means there are no finance charges on this card. If you don't make a payment on time, a delinquency fee of 5% on the unpaid balance (minimum Rs. 300) will be charged until the full payment is received.

4. How does a charge card differ from a credit card?

A charge card lets you buy things, but unlike credit cards, you can't carry the balance over to the next month by just paying the minimum amount. You have to pay the whole bill each month. Also, charge cards don't have a fixed spending limit – your purchases get approved based on various factors.

5. How can I redeem the Membership Rewards Points earned on this card?

You can spend the points you earn with the American Express® Platinum Card on their website. You can use these points to get things from their catalog, like items or vouchers, or turn them into air miles or hotel points. Just know that the rules might be a bit different depending on which card you have.

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Please click the links below to find details and instructions related to American Express® Credit Cards that can help you in easily managing your card: