American Express
Premium · Centurion
American Express Centurion Card
American Express
The ultimate invitation-only black card
Annual Fee
₹2,50,000
Joining Fee
₹2,50,000
Reward Rate
1.3%
Forex Markup
2.5%
Value Analysis
Annual Net Value
₹5,000
Total Annual Benefits
₹3,00,000
Total Annual Charges
₹2,95,000
ROI
102%
Fee Waiver Available
No fee waiver — this is an ultra-premium invitation-only card — ₹0 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (1)
Unlimited Lounge Access with Complimentary Guest
Unlimited domestic and international airport lounge access including complimentary guest access
- • Priority Pass Prestige membership included
- • Centurion Lounge access with guests
Unlimited visits + guest
₹2,00,000/yr
Concierge Services (1)
Dedicated Personal Concierge
A dedicated personal concierge available 24/7 for all lifestyle, travel, and bespoke requests
Dedicated concierge
Travel Benefits (2)
Elite Hotel Status
Complimentary top-tier elite status at Marriott Bonvoy, Hilton Honors, IHG Rewards, and Radisson Rewards
- • Marriott Bonvoy Platinum
- • Hilton Honors Diamond
- • IHG Rewards Diamond
- • Radisson Rewards Premium
Top-tier status at 4 chains
Complimentary First-Class Upgrades
Complimentary upgrades at select airlines and hotel partners
- • Subject to availability
- • Select airline and hotel partners
As available
Golf Privileges (1)
Unlimited Complimentary Golf
Unlimited complimentary golf rounds at premium golf courses in India and abroad
- • Select premium golf courses worldwide
Unlimited rounds
₹1,00,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
- • Valid on transactions ₹500–₹5,000
- • Max ₹500 per statement cycle
1% waiver
₹6,000/yr
Reward Program
Program
American Express Membership Rewards
1 MR per ₹40 (5X on Amex Travel)
Effective cashback: 1.25%
Points expire: Points do not expire as long as card is active
Redemption Options
- → Transfer to airline partners (1 MR = up to 1 air mile)
- → Transfer to hotel partners
- → Statement credit (1 MR = ₹0.25)
- → Bespoke experiences via concierge
- → Gift cards and merchandise
Bonus Categories
Amex Travel
5x multiplier
5X MR on Amex Travel bookings
Other
1x multiplier
1X MR on all other purchases
Milestone Bonuses
1,00,000 bonus MR points on spending ₹50 Lakh annually
Spend ₹50,00,000 annually
1,00,000 MR Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹2,50,000 Excluding GST |
| Annual Fee | ₹2,50,000 Excluding GST |
| Add-on Card Fee | ₹2,50,000 Excluding GST per add-on |
Transaction Charges
- Forex Markup
- 2.5%
- Interest Rate (Monthly)
- 3%
- Late Payment Fee
- ₹2,500
- Cash Advance Fee
- 3.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹5,000. Max waiver: ₹500/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹5,00,000
- Min. Annual Income
- ₹1,00,00,000
- Min. Credit Score
- 800
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Available by invitation only
- • Existing Amex Platinum cardholders with high spend history preferred
- • Annual spend of ₹30 Lakh+ on existing Amex cards typically required
- • Subject to internal assessment and approval
Existing account required
Invitation only
Insurance Coverage
Accidental Death
₹10.0 Cr
Permanent Disability
₹10.0 Cr
Travel Insurance
₹1.0 Cr
Lost Card Liability
₹50.0 L
Report within 48h
Air Accident Cover
₹10.0 Cr
Purchase Protection
₹10.0 L
120 days
- • Air accident cover: ₹10 Crore
- • Travel insurance: ₹1 Crore
- • Purchase protection: ₹10 Lakh for 120 days
- • Credit liability cover: ₹50 Lakh
Airport Lounge Access
Domestic
-1 visits/year
Unlimited
~₹2,500/visit
International
-1 visits/year
Unlimited via Priority Pass & Centurion Lounges
~₹4,000/visit
Priority Pass Centurion Lounge Amex Lounge Collection Plaza Premium Lufthansa Lounge
- • Unlimited access for primary and add-on cardholders
- • Guest access included at no additional charge
- • Priority Pass Prestige membership included
Transaction Limits
ATM Withdrawal / Day
₹2,00,000
POS & E-Commerce / Day
₹50,00,000
Contactless / Txn
₹10,000
Features
No pre-set spending limit Titanium metal card Contactless payments EMV chip security Global acceptance Add-on cards available Dedicated personal concierge Centurion Lounge access with guests Complimentary hotel elite status Complimentary golf privileges Bespoke luxury experiences Priority Pass Prestige membership
EMI Options
Min. Transaction
₹10,000
Interest / Month
1.25%
Tenure Options
3, 6, 9, 12 months
Processing Fee
0.5%
Ready to Apply?
The American Express Centurion Card, also known as the Amex Black Card, is the most exclusive charge card in the world, available only by invitation. ...
More from American Express
American Express
Visa
American Express Blue Credit Card
American Express
₹999/yr₹9,990/yr value
Reward PointsFuel Surcharge Waive...
American Express
Visa
American Express Business Green Credit Card
American Express
₹5,000/yr₹50,000/yr value
Reward PointsFuel Surcharge Waive...
American Express
Visa
American Express Corporate Credit Card
American Express
₹5,000/yr₹50,000/yr value
Reward PointsFuel Surcharge Waive...
American Express
Visa
American Express Everyday Credit Card
American Express
₹999/yr₹9,990/yr value
Reward PointsFuel Surcharge Waive...