Joining Fee
₹10,000
Annual Fee
Rs. 10000 (Reversed on annual spends of Rs. 10 Lakhs)
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
Required Documents
IDENTITY 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 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.
Our Verdict
Premium lifestyle card with lounge access, golf privileges & 11,000 welcome bonus points at ₹10,000 annual fee.
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