American Express Platinum Card
PremiumVerified · August 26, 2026
5.0/5.0
Updated on August 26, 2026
🎖️Reward Rate
Base Rewards: 1 MR Point per ₹40 (1 Membership Rewards® Point per ₹40 spent on all regular retail transactions)
Overview
American Express Platinum Card by American Express provides premium value tailored for Super Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 1 MR Point per ₹40 (1 Membership Rewards® Point per ₹40 spent on all regular retail transactions)
- • 3X MR Points per ₹40 (3X Membership Rewards Points on all overseas transactions)
- • 5X MR Points per ₹50 (5X MR Points via Reward Multiplier portal (Apple, Flipkart, Taj, MakeMyTrip))
- • Accelerated Rewards: 3X MR points on international spends + 5X on Reward Multiplier. Points NEVER expire and can be transferred 1:2 to Marriott Bonvoy or 1:1 to British Airways, Emirates, Virgin Atlantic, Singapore Airlines, Qatar Airways.
- • Excluded Categories: Fuel, Insurance, Cash advance
Welcome Benefit
Choice of 135,000 Membership Rewards points OR luxury Taj / Postcard Hotel stay vouchers worth ₹45,000 upon payment of joining fee and spending ₹50,000 within first 90 days; Qualification Criteria: Payment of ₹60,000 joining fee and ₹50,000 spend within 90 days; Fulfillment Timeline: 30 days post criteria completion
Milestone Benefit
Spend ₹60,000 (Annual): Annual renewal benefit of 135,000 MR points or Taj vouchers worth ₹40,000 upon fee settlement; Annual Fee Waiver: Non-waivable charge card fee. Renewal rewarded with luxury stay vouchers worth ₹40,000+ or 135,000 MR points upon renewal.
Redemption
- • Transfer 1:2 to Marriott Bonvoy & 1:1 to Hilton Honors
- • Transfer 1:1 to British Airways Avios, Singapore KrisFlyer, Emirates Skywards, Virgin Atlantic
- • 18 & 24 Karat Gold Collection for luxury Taj & Postcard Hotel vouchers
Benefits
- Domestic Airport Lounge: Unlimited per year across all Centurion, Priority Pass, and domestic lounges with 2 complimentary guests via American Express Global Lounge Collection (Guest Access: 2 complimentary guests included per visit)
- International Airport Lounge: Unlimited per year at Centurion Lounges, Priority Pass, Delta Sky Clubs, Escape, and Plaza Premium via Priority Pass / Centurion Lounge (Guest Access: 2 complimentary guests included)
- Fuel Surcharge Waiver: 1% (Max waiver ₹1000 per month (0% surcharge at HPCL / BPCL / IOCL))
- Complimentary Tier 1 Hotel Statuses: Instant complimentary Marriott Bonvoy Gold Elite, Hilton Honors Gold, Radisson Rewards Premium, and Taj Epicure Membership. (Marriott Gold Elite, Hilton Gold, Taj Epicure, Radisson Premium) [Partners: Marriott, Hilton, Taj Hotels, Radisson]
- Fine Hotels & Resorts (FHR): Complimentary room upgrades, daily breakfast for two, $100 property credit, and guaranteed 4 PM late checkout at over 1,500 luxury hotels globally. ($100 property credit, 4 PM late checkout, Free breakfast for 2) [Partners: Amex FHR Collection]
- Dedicated 24/7 Platinum Concierge: Bespoke personal concierge service available 24x7 worldwide for Michelin-starred restaurant bookings, VIP concerts, and luxury travel itineraries. (Global 24x7 dedicated concierge team) [Partners: Amex Concierge]
Things to Know Before you apply
American Express Platinum Card Eligibility Criteria
- Age: 21–70 years
- Gross Annual Personal Income ₹25,00,000+ (Salaried / Self-Employed)
- Salaried & Self-Employed Individuals
- Resident Indian
American Express Platinum Card Customer Care
- Toll Free: 1800 1200
- Landline: +91 22 6600 6600
- Concierge Service: customer.care@bank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹60,000 |
| Annual Fee | ₹60,000 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 3.5% of transaction amount (min ₹250) |
Fee waiver: Non-waivable charge card fee. Renewal rewarded with luxury stay vouchers worth ₹40,000+ or 135,000 MR points upon renewal.
PaisaSimple Review
Overall Rating
5.0/5What do we like about this card?
American Express Platinum Card issued by American Express is one of India's leading credit cards for Super Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 1 MR Point per ₹40 (1 Membership Rewards® Point per ₹40 spent on all regular retail transactions)
- • 3X MR Points per ₹40 (3X Membership Rewards Points on all overseas transactions)
- • 5X MR Points per ₹50 (5X MR Points via Reward Multiplier portal (Apple, Flipkart, Taj, MakeMyTrip))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹60000
- • Reward exclusion on fuel purchases and wallet load transactions
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Rating
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Best Suited for
Premium
Premium
Cashback
Fee Details
Joining Fee
₹60,000
Annual/Renewal Fee
₹60,000
Joining Fee
₹50,000
Annual/Renewal Fee
₹50,000
Joining Fee
Free
Annual/Renewal Fee
Free
Welcome Benefit
- • Choice of 135,000 Membership Rewards points OR luxury Taj / Postcard Hotel stay vouchers worth ₹45,000 upon payment of joining fee and spending ₹50,000 within first 90 days
- • Qualification Criteria: Payment of ₹60,000 joining fee and ₹50,000 spend within 90 days
- • Fulfillment Timeline: 30 days post criteria completion
- • 50,000 EDGE Reward Points + Accor Plus Traveler + ITC Culinaire + Club Marriott + Oberoi Hotels benefits
- • Qualification Criteria: Payment of joining fee and card setup within 30 days
- • Fulfillment Timeline: 30 days post fee realization
- • Gift voucher worth ₹500 on retail spends of ₹15,000 within first 90 days of card issuance, plus 5% cashback up to ₹1,000 on first EMI transaction
- • Qualification Criteria: Min ₹15,000 spend within 90 days of setup
- • Fulfillment Timeline: 30 days post criteria completion
Reward/Cashback Rate
- • Base Rewards: 1 MR Point per ₹40 (1 Membership Rewards® Point per ₹40 spent on all regular retail transactions)
- • 3X MR Points per ₹40 (3X Membership Rewards Points on all overseas transactions)
- • 5X MR Points per ₹50 (5X MR Points via Reward Multiplier portal (Apple, Flipkart, Taj, MakeMyTrip))
- • Accelerated Rewards: 3X MR points on international spends + 5X on Reward Multiplier. Points NEVER expire and can be transferred 1:2 to Marriott Bonvoy or 1:1 to British Airways, Emirates, Virgin Atlantic, Singapore Airlines, Qatar Airways.
- • Excluded Categories: Fuel, Insurance, Cash advance
- • Base Rewards: 15 EDGE Reward Points per ₹200 (15 EDGE Reward Points per ₹200 on domestic retail spends)
- • 30 EDGE Reward Points per ₹200 (30 EDGE Reward Points per ₹200 on international spends (2X))
- • Accelerated Rewards: 5:4 partner mile transfer ratio to 16 airline and hotel partners (Club Vistara, Singapore Airlines, Qatar Airways, Marriott Bonvoy, Accor)
- • Excluded Categories: Fuel, Wallet loads
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹20,000 per month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹20,000 and on your birthday)
- • Accelerated Rewards: 10X Reward Points on spends exceeding ₹20,000 per month & on birthday. Points never expire (1 pt = ₹0.25).
- • Excluded Categories: Fuel, Insurance, EMI, Wallet loads
Pros
- • Base Rewards: 1 MR Point per ₹40 (1 Membership Rewards® Point per ₹40 spent on all regular retail transactions)
- • 3X MR Points per ₹40 (3X Membership Rewards Points on all overseas transactions)
- • 5X MR Points per ₹50 (5X MR Points via Reward Multiplier portal (Apple, Flipkart, Taj, MakeMyTrip))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 15 EDGE Reward Points per ₹200 (15 EDGE Reward Points per ₹200 on domestic retail spends)
- • 30 EDGE Reward Points per ₹200 (30 EDGE Reward Points per ₹200 on international spends (2X))
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹20,000 per month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹20,000 and on your birthday)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
Cons
- • Annual renewal fee of ₹60000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹50000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions