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American Express Platinum Reserve Credit Card

Joining Fee

₹10,000

Annual Fee

Rs. 10000 (Reversed on annual spends of Rs. 10 Lakhs)

American Express
Travel
Lifestyle
Rewards
Best For: Frequent travelers, Golf enthusiasts, Lifestyle and dining spenders, High spenders seeking annual fee waiver

American Express Platinum Reserve Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Pros

  • Welcome gift of 11,000 bonus Membership Rewards Points
  • Annual fee waiver on spending Rs. 10,00,000 in a year
  • Complimentary Priority Pass membership with US$99 fee waived
  • Complimentary golf access twice a month on meeting spend threshold
  • Movie/online shopping vouchers worth Rs. 12,000 per year
  • Complimentary Accor+, Taj Epicure and EazyDiner Prime memberships
  • Fuel convenience fee waiver at HPCL
  • Zero lost card liability

Cons

  • High annual fee of Rs. 10,000
  • No reward points on fuel, insurance, utilities, cash transactions and EMI at POS
  • Golf and voucher benefits require Rs. 50,000 monthly spend
  • Priority Pass international lounge visits capped at 2 per year
  • Domestic Centurion Lounge access discontinued from September 1, 2023
  • Card issuance limited to select cities in India

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Movie/shopping vouchers and golf benefits require Rs. 50,000 spend every month

Welcome gift only available in 1st year on payment of annual fee and spending Rs. 30,000 within 90 days

Priority Pass capped at 2 complimentary international lounge visits per calendar year; excess visits charged at US$35 per person per visit

No points earned on fuel, insurance, utilities, cash advances, or EMI at merchant POS

Eligible spends for fee waiver exclude cash advances, balance transfers, fees and are net of returns

Card issued only in select cities across India

Key Benefits & Features

Contactless payment enabled. Purchase Protection benefit included.

Eligibility Criteria

Min. Annual Income

₹6.0 Lakhs

Age Requirement

18+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card

Notable Exclusions

No Membership Rewards Points on fuel purchases (petrol, diesel, CNG from Oil Marketing Companies).No Membership Rewards Points on insurance payments.No Membership Rewards Points on utility payments (electricity, water, gas bills).No Membership Rewards Points on cash transactions.No Membership Rewards Points on EMI conversion at Point of Sale.

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About American Express Platinum Reserve Credit Card

The American Express Platinum Reserve Credit Card is a premium lifestyle and travel card designed for high spenders, frequent travelers, golf enthusiasts, and those who appreciate exclusive privileges. With a joining and annual fee of Rs. 10,000, cardmembers can earn 1 Membership Rewards Point for every Rs. 50 spent, redeemable across 500+ options including travel, dining, and accessories. New cardmembers receive a welcome gift of 11,000 bonus Membership Rewards Points upon meeting the spend requirement within 90 days. The card offers a rich portfolio of lifestyle benefits, including complimentary ALL Accor+ Explorer, Taj Epicure, and EazyDiner Prime memberships. Cardmembers who spend Rs. 50,000 per month can enjoy movie or online shopping vouchers worth Rs. 12,000 annually, along with complimentary access to golf courses across India twice a month. Travel perks include complimentary domestic and international airport lounge access and a Priority Pass membership with the US$99 annual fee waived. Additional benefits include purchase protection, concierge services, zero lost card liability, contactless payment, and a fuel convenience fee waiver at HPCL. The annual renewal fee of Rs. 10,000 is fully waived if total annual spends reach Rs. 10,00,000 or more, making this card an exceptional choice for those seeking premium rewards alongside meaningful everyday value.

Expert Review

Our Verdict

Premium lifestyle card with lounge access, golf privileges & 11,000 welcome bonus points at ₹10,000 annual fee.

Frequently Asked QuestionsAbout American Express Platinum Reserve Credit Card

ELIGIBILITYWhat are the eligibility criteria for the American Express Platinum Reserve Credit Card?
To apply for the American Express Platinum Reserve Credit Card, you must be over 18 years of age, hold an Indian or multinational bank's savings or current account in India, have a good credit history with no payment defaults, and have a personal annual income of Rs. 6 Lakhs or above (for both salaried and self-employed individuals). Self-employed applicants must have their company trading for more than 12 months. You must also have a current or permanent residential address in India and be a Resident Indian as defined under the Income Tax Act.
ELIGIBILITYIn which cities is the American Express Platinum Reserve Credit Card currently issued?
The American Express Platinum Reserve Credit Card is currently issued to residents of select cities in India, including Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Kolkata, Indore, Coimbatore, Chandigarh/Tricity, Ahmedabad, Surat, Vadodara, Lucknow, Ludhiana, Nagpur, Nashik, Trivandrum, and Mysuru, subject to conditions. If you do not reside in one of these cities, you may not be eligible to apply for this card.
FEESWhat are the joining and annual fees for the American Express Platinum Reserve Credit Card?
The American Express Platinum Reserve Credit Card has a joining fee of Rs. 10,000 plus applicable taxes for the first year. From the second year onwards, the annual renewal fee is also Rs. 10,000 plus applicable taxes. However, the annual membership renewal fee of Rs. 10,000 is 100% waived off if your total spends on the card in the immediately preceding membership year are Rs. 10,00,000 or above. Note that eligible spends do not include cash advances, balance transfers, fees, or returns.
FEESHow can I get the annual fee waived on the American Express Platinum Reserve Credit Card?
The annual membership renewal fee of Rs. 10,000 on the American Express Platinum Reserve Credit Card is fully waived if your total eligible spends on the card in the immediately preceding membership year reach Rs. 10,00,000 (Rs. 10 Lakhs) or more. Eligible spends exclude cash advances, express cash transactions, drafts made from the account, balance transfers, fees, and are calculated net of any returns. Meeting this spend threshold ensures you do not have to pay the renewal fee for the following year.
REWARDSWhat is the welcome gift offered with the American Express Platinum Reserve Credit Card?
New cardmembers receive a welcome gift of 11,000 Bonus Membership Rewards Points upon card approval. This welcome gift is available only in the first year of cardmembership, upon payment of the annual fee, and on spending Rs. 30,000 within 90 days of cardmembership. These bonus points can be redeemed across a wide range of options including travel, dining, accessories, and more through the Membership Rewards programme.
REWARDSHow do I earn Membership Rewards Points on the American Express Platinum Reserve Credit Card?
You earn 1 Membership Rewards Point for every Rs. 50 spent on the American Express Platinum Reserve Credit Card. However, reward points are not earned on spends related to fuel, insurance, utility payments (electricity, water, and gas bills), cash transactions, and EMI conversions at the Point of Sale. You will continue to earn points on EMI transactions through American Express SafeKey and on EMI conversions done post-purchase. Points can be redeemed for over 500 options across travel, dining, accessories, and more.
BENEFITSWhat airport lounge access benefits does the American Express Platinum Reserve Credit Card offer?
The American Express Platinum Reserve Credit Card offers complimentary access to international and domestic airport lounges across India. Additionally, cardmembers receive a complimentary Priority Pass membership with the US$99 annual membership fee waived. Using Priority Pass, the basic cardmember can enjoy up to 2 complimentary visits to international lounges per calendar year (January 1 to December 31). Visits beyond 2 are charged at the prevailing rate, currently US$35 per person per visit. Please note that effective September 1, 2023, access to domestic Centurion American Express Lounges in Delhi and Mumbai has been discontinued.
BENEFITSWhat movie or online shopping voucher benefits are available with this card?
Cardmembers can enjoy movie or online shopping vouchers worth Rs. 12,000 per year by spending Rs. 50,000 every month on the American Express Platinum Reserve Credit Card. This benefit requires enrollment, and eligible spends do not include cash advances, balance transfers, fees, or returns. The vouchers can be used for movie tickets or online shopping, adding significant lifestyle value for active cardmembers who consistently meet the monthly spend threshold throughout the year.
BENEFITSWhat golf privileges does the American Express Platinum Reserve Credit Card provide?
The American Express Platinum Reserve Credit Card offers complimentary golf access twice a month at 32+ golf courses across India, with no green fee charged. To unlock this benefit, cardmembers must spend Rs. 50,000 in a calendar month. This is an excellent perk for golf enthusiasts looking to enjoy premium courses. Terms and conditions apply, and benefits associated with the card are subject to payment of the annual or renewal fee and may be withdrawn.
BENEFITSWhat lifestyle memberships are included with the American Express Platinum Reserve Credit Card?
The American Express Platinum Reserve Credit Card provides complimentary memberships to three premium lifestyle programmes: ALL Accor+ Explorer membership for access to Accor hotel benefits and privileges, Taj Epicure membership for exclusive dining and stay benefits at Taj properties, and EazyDiner Prime membership for restaurant discounts and priority reservations at top dining establishments. These complimentary memberships add significant lifestyle and hospitality value for cardmembers who enjoy luxury travel, dining, and hotel experiences.
BENEFITSIs there a fuel convenience fee waiver on the American Express Platinum Reserve Credit Card?
Yes, the American Express Platinum Reserve Credit Card offers a fuel convenience fee waiver at HPCL (Hindustan Petroleum Corporation Limited) petrol pumps. A 0% convenience fee applies on fuel purchases for transactions less than Rs. 5,000. For transactions of Rs. 5,000 and above, a 1% convenience fee per transaction is applicable. Please note that reward points are not earned on fuel transactions, but the waiver still helps reduce the overall cost of refuelling at HPCL outlets.
USAGEHow can I redeem my Membership Rewards Points earned on the American Express Platinum Reserve Credit Card?
Membership Rewards Points earned on the American Express Platinum Reserve Credit Card can be redeemed in several ways: for over 500 options across travel, dining, accessories, and more; to pay for flights through the 'Pay with Points' feature; to offset your card charges using the 'Select and Pay' option; or to shop with points through the Membership Rewards portal. You can manage and redeem your points by logging into your American Express online account or through the Amex mobile app.
BENEFITSWhat is the zero lost card liability benefit on the American Express Platinum Reserve Credit Card?
The American Express Platinum Reserve Credit Card includes a Zero Lost Card Liability benefit, which means that in the event your card is lost or stolen, you are not held liable for any fraudulent transactions made on your card, provided you report the loss promptly to American Express. This offers cardmembers peace of mind and financial protection against unauthorized use. To report a lost or stolen card, you should contact American Express customer service immediately through their helpline or online account management portal.
REWARDSWhat transactions do NOT earn Membership Rewards Points on this card?
On the American Express Platinum Reserve Credit Card, you will not earn Membership Rewards Points on the following transactions: fuel purchases (petrol, diesel, CNG from Oil Marketing Companies), insurance payments, utility bill payments (electricity, water, and gas), cash transactions, and EMI conversions at the Point of Sale (both at merchant websites like Amazon or Flipkart and at merchant terminals). However, you will continue to earn points on EMI transactions processed through American Express SafeKey and on EMI conversions done post-purchase.
DOCUMENTSWhat documents are typically required to apply for the American Express Platinum Reserve Credit Card?
While the page does not list specific documents, standard requirements for applying for the American Express Platinum Reserve Credit Card typically include: proof of identity (Aadhaar card, PAN card, or passport), proof of address (utility bills, Aadhaar, or passport), proof of income (latest salary slips or ITR for salaried individuals; ITR and business proof for self-employed applicants), and bank account details for an Indian or multinational bank. You must also be a Resident Indian as defined under the Income Tax Act. It is advisable to check the official American Express website or contact customer service for the complete and updated document list.

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