American Express

American Express Platinum ReserveSM Credit Card

Airport Lounge Access

Reward Points

Travel

MyBankingTips Rating

Joining Fee: ₹10000* Plus Applicable Taxes

Renewal Fee: ₹10000*Plus Applicable Taxes

Airport Lounge Access

Reward Points

Travel

MyBankingTips Rating

Joining Fee: ₹10000* + Tax

Renewal Fee: ₹10000* + Tax

Airport Lounge Access

Get 12 domestic lounge visits/year (3/quarter) & 2 international visits/year via Priority Pass.

Reward Points

Earn 1 Membership RP per ₹50 spent, excluding fuel, utilities, insurance, cash, and EMI transactions.

Travel

Enjoy complimentary Priority Pass, Accor Traveller, and Taj Epicure memberships.

Welcome benefits:- 11,000 bonus Membership Rewards Points on the payment of first year’s annual fee and on spending Rs. 30,000 within 90 days of card membership

Check your eligibility For This Card

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

About American Express Platinum ReserveSM Credit Card

The American Express® Platinum ReserveSM Credit Card is a premium card that offers benefits across travel, dining, shopping, and lifestyle. It provides great value-back on overall spending.

The American Express® Platinum Reserve Credit Card is a premium all-rounder that offers benefits across travel, lifestyle, dining, and shopping. Cardholders enjoy complimentary hotel memberships, domestic & international lounge access, golf sessions, and milestone rewards like movie or online shopping vouchers. With the Rewards Multiplier, you can earn 3X points on select brands. Ideal for high spenders, this card helps you maximize savings by unlocking milestone benefits when you spend ₹50,000 or more each month.

With the Accor Plus membership added to its features, frequent travelers can save more on hotel stays. The card also includes Taj Epicure membership, giving exclusive perks at Taj Group properties. On top of that, cardholders get domestic and international lounge access through Priority Pass, making every trip more comfortable and rewarding.

American Express Platinum ReserveSM Credit Card Rewards Program

Reward Points

Earn Rate: 1 Membership Rewards® (MR) Point for every ₹50 spent
Exclusions: No points on fuel, insurance, utilities, cash transactions, and EMI conversions at POS

Redemption Options

Catalogue Redemption: 1 MR Point = ₹0.25 (for vouchers, products, travel bookings via Amex Rewards Catalogue)
Airline / Hotel Transfers:
- Airlines (Asia Miles, BA, Emirates, Etihad, Qatar, Singapore Airlines, Virgin Atlantic) → 2:1
- Club Vistara → 3:1
- Marriott Bonvoy → 1:1
- Hilton Honors → 1,000 MR Points = 900 Hilton Points

You can also use MR Points directly to pay for card charges.

Other Features and Benefits

Welcome Bonus

11,000 Membership Rewards Points on payment of the first year’s annual fee and spending ₹30,000 within 90 days of card membership.
However, since 1 MR Point = ₹0.25, the effective value is only ₹2,750. Compared to other premium cards where welcome rewards often equal or exceed the joining fee, this benefit feels underwhelming (about 25% of the fee).

Monthly Milestone

Spend ₹50,000 in a month and get a complimentary ₹1,000 voucher (Flipkart, Myntra, Shoppers Stop, BigBasket, BookMyShow, PVR, MakeMyTrip).
This is a valuable perk for consistent users, especially since the partner brands cover everyday needs.

Complimentary Lounge Access

12 free domestic airport lounge visits every year (max 3 visits per quarter).
Free Priority Pass membership with 2 complimentary international lounge visits per year.

Complimentary Memberships

Taj Epicure (₹25,000 value): Free stay, complimentary meal, and dining discounts at Taj Hotels.
Accor Plus Silver Tier: Get discounted stays, late check-out, access to health clubs & sports facilities at Accor Hotels.
EazyDiner Prime (₹2,395 value): 25% guaranteed discount at top restaurants, bonus points on joining, and 2X points on dining spends.

Other Benefits

Annual Fee Waiver: Waived on yearly spends of ₹10 Lakh.
Golf Privileges: 2 complimentary golf rounds per month (max 24 annually) on monthly spends of ₹50,000.
Dining: Up to 20% off at select restaurants.
Concierge Service: 24×7 assistance for reservations, travel, and lifestyle requests.
Fuel Convenience Fee Waiver:
1. 0% convenience fee at HPCL pumps for fuel spends below ₹5,000.
2. 1% fee applies for ₹5,000 & above at HPCL.

Fees and Charges

Type of Fee or Charge	Amount
Joining Fee	Rs. 10,000 + Applicable Taxes
Annual/ Renewal Fee	Rs. 10,000 + Applicable Taxes
Finance Charges	3.5% p.m.
Cash Advance Fee	3.5% (Minimum of Rs. 250)

Things to Know Before you apply

Get this card if:

You spend heavily each month, easily meeting or exceeding a ₹50,000 threshold.
Free hotel memberships and discounts are important perks for you—especially those that offer complimentary or reduced-rate stays.
You already have a credit card providing strong rewards in your preferred spending areas, so you're looking to augment your benefits even further.

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 ReserveSM 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 ReserveSM Credit Card Hilights

What do we like about this card?

Complimentary hotel memberships (Taj Epicure & Accor Plus)
Free domestic & international lounge access
Golf privileges at select courses
Monthly milestone vouchers on ₹50,000+ spend
3X reward points on select brands
Dining discounts at partnered restaurants
24×7 concierge service for travel & lifestyle needs

Pros

Complimentary hotel memberships
Free lounge access (domestic + international)
Golf privileges
Dining discounts & offers
Concierge support

Cons

High annual fee
Benefits useful mostly for frequent travelers
Reward rate not the best compared to some other premium cards
Monthly milestone benefit requires ₹50,000+ spend

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

A. Yes, the card comes with purchase protection. You are eligible for a refund if an item is stolen due to burglary, or is damaged/broken due to fire, earthquake, flood, storm, cyclone, etc., within 60 days of purchase.

A. Yes, purchases of ₹5,000 or above can be converted into easy EMI. At the time of purchase, you can request the merchant to convert the transaction into EMI.

A. No, fuel spends do not earn reward points. However, you do get a fuel convenience fee waiver at HPCL petrol pumps—0% on transactions up to ₹5,000 and 1% on transactions above ₹5,000.

A. You can redeem Membership Rewards Points across multiple categories such as travel, dining, accessories, and more by logging into your rewards account. You can also use points to pay for card charges, offering added flexibility.

A. Yes, lost card liability is covered. If you report the loss or fraud within 3 working days to American Express customer care, you are fully protected. If reported after 3 working days, your maximum liability will be ₹1,000. Prompt reporting ensures maximum benefit.