American Express
Premium · Platinum
American Express Platinum Card
American Express
Unparalleled luxury, travel, and lifestyle privileges
Annual Fee
₹60,000
Joining Fee
₹60,000
Reward Rate
1.3%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹49,200
Total Annual Benefits
₹1,20,000
Total Annual Charges
₹70,800
ROI
169%
Fee Waiver Available
No fee waiver available — this is a charge card with no preset spending limit — ₹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
Unlimited domestic and international airport lounge access via Priority Pass and Centurion Lounges
- • Priority Pass Prestige membership included
- • Centurion Lounge access included
Unlimited visits
₹1,00,000/yr
Travel Benefits (2)
5X Membership Rewards via Amex Travel
Earn 5X Membership Rewards points on bookings made through American Express Travel portal
- • Bookings via Amex Travel portal only
5X MR points
Hotel Elite Status
Complimentary elite status at Marriott Bonvoy, Hilton Honors, and Radisson Rewards
- • Marriott Bonvoy Gold
- • Hilton Honors Gold
- • Radisson Rewards Premium
Elite status at 3 chains
Reward Points (1)
1X Membership Rewards on Other Spends
Earn 1 MR point per ₹40 spent on all other purchases
1X MR points
Concierge Services (1)
24/7 Global Concierge
Round-the-clock global personal concierge service for travel bookings, reservations, and lifestyle needs
Included
Golf Privileges (1)
Complimentary Golf Privileges
Complimentary golf rounds at premium golf courses in India
- • Select premium golf courses
- • Advance booking required
Up to 12 rounds/year
₹60,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
- • Valid on transactions ₹500–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/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)
- → Gift cards and merchandise
- → Travel bookings via Amex portal
Bonus Categories
Amex Travel
5x multiplier
5X MR on Amex Travel bookings
Other Spends
1x multiplier
1X MR on all other purchases
Milestone Bonuses
20,000 bonus MR points on spending ₹10 Lakh annually
Spend ₹10,00,000 annually
20,000 MR Points
Additional 30,000 bonus MR points on spending ₹20 Lakh annually
Spend ₹20,00,000 annually
30,000 MR Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹60,000 Excluding GST |
| Annual Fee | ₹60,000 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹1,500
- 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: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹3,00,000
- Min. Annual Income
- ₹25,00,000
- Min. Credit Score
- 750
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹2.5 Lakh
- • Self-Employed: ITR > ₹25 Lakh p.a.
- • Subject to credit assessment and internal policies
Insurance Coverage
Accidental Death
₹5.0 Cr
Permanent Disability
₹5.0 Cr
Travel Insurance
₹50.0 L
Lost Card Liability
₹25.0 L
Report within 48h
Air Accident Cover
₹5.0 Cr
Purchase Protection
₹5.0 L
90 days
- • Air accident cover: ₹5 Crore
- • Travel insurance: ₹50 Lakh
- • Purchase protection: ₹5 Lakh for 90 days
- • Credit liability cover: ₹25 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
- • Unlimited access for primary cardholder
- • Guest access available at additional charge
- • Priority Pass Prestige membership included
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹10,00,000
Contactless / Txn
₹5,000
Features
No pre-set spending limit Metal card Contactless payments EMV chip security Global acceptance Add-on cards available Pay Over Time option 24/7 global concierge Centurion Lounge access Complimentary hotel elite status
EMI Options
Min. Transaction
₹5,000
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The American Express Platinum Card is the ultimate premium charge card offering 5X Membership Rewards points via Amex Travel, unlimited domestic and i...
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