Joining Fee
₹66,000
Annual Fee
Rs. 66000 (Reversed on annual spends of Rs. 20 Lakhs)
American Express Platinum Card
Rewards Structure
Base Reward Rate
1% on spends
Point Value
1 Point = ₹0.025
Earning Cap
₹5,000 /monthly
Pros
- Welcome gift worth up to INR 60,000
- Access to 1,550+ airport lounges worldwide
- Fine Hotels & Resorts benefits worth INR 44,300 per stay
- Air Accident Insurance cover of INR 5 Crore
- Points never expire
- Elite status with multiple hotel loyalty programs
- Up to 20X rewards on luxury brands
- 50% off dining at 1800+ restaurants via EazyDiner Prime
- 24x7 concierge service
Cons
- Very high annual fee of INR 66,000 plus taxes
- High income eligibility threshold
- Overseas Medical Insurance limited to 7 days per trip
- Available only in select Indian cities
Hidden Catches (Transparency Policy)
To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.
Welcome gift requires INR 50,000 spend in first 2 months
Overseas Medical Insurance excludes pre-existing conditions and is hospitalization-only
Air Accident Insurance: maximum one claim per year
Purchase Protection excludes appliances, gold, silver, antiques and securities
Card issuance restricted to select Indian cities only
Renewal benefit requires INR 20 Lakh annual spend
Key Benefits & Features
Fine Hotels & Resorts benefits worth INR 44,300 per stay including guaranteed 4pm late check-out, room upgrades, daily breakfast for two, WiFi, and US$100 amenity credit.
Elite hotel tier memberships: Marriott Bonvoy Gold Elite, Hilton Honors Gold, Taj Epicure, Radisson Premium, Accor Plus Traveler, I Prefer Titanium.
Domestic Lodging Program: 25% off at Taj/SeleQtions/Vivanta Hotels, 50% off on Suites at Oberoi Hotels, complimentary night at The LaLiT.
Exclusive airline deals with Air India, Etihad, Qatar Airways, Virgin Atlantic, Air France, KLM, Lufthansa, United Airlines and more.
Earn 3X Membership Reward points on international spends and up to 20X Rewards on 20+ luxury brands via Rewards Xcelerator.
Earn 5X Membership Reward points on purchases through Reward Multiplier.
Exclusive access to VIP events, pre-sale tickets for concerts, Fashion Weeks, Grammy Awards and Wimbledon via American Express Invites.
Eligibility Criteria
Min. Annual Income
₹25.0 Lakhs
Age Requirement
18+ Years
Occupation
Required Documents
IDENTITY Proof
INCOME Proof
Notable Exclusions
*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.
These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.
About American Express Platinum Card
The American Express Platinum Card is a premium charge card designed for those who demand the finest in travel, lifestyle, and rewards. With an annual fee of INR 66,000, it delivers an exceptional suite of benefits that cater to frequent international travelers and high-net-worth individuals seeking unparalleled luxury experiences. At the heart of the card's travel privileges is access to over 1,550 airport lounges across 140+ countries through the American Express Global Lounge Collection, including Centurion Lounges, Priority Pass Lounges, and Delta Sky Club Lounges. Cardmembers enjoy complimentary benefits worth up to INR 44,300 at Fine Hotels & Resorts properties, exclusive discounts at Taj, Oberoi, and LaLiT hotels, and fast-tracked elite status with Marriott Bonvoy, Hilton Honors, and other leading loyalty programs. Comprehensive travel protection includes INR 5 crore air accident coverage and overseas medical insurance of US$50,000. On the rewards front, cardmembers earn 3X Membership Reward points on international spends and up to 20X points on luxury brands, with points that never expire. Additional lifestyle perks include up to 50% off at 1,800+ premium restaurants through EazyDiner Prime membership, 24x7 concierge services, purchase protection, and exclusive invitations to marquee events like Wimbledon, Grammy Awards, and Fashion Weeks worldwide.
Our Verdict
Ultra-premium charge card with world-class lounge access, hotel perks & 3X rewards for affluent travelers.
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