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American Express Centurion Card

The American Express Centurion Card, also known as the Black Card, is one of the most exclusive and luxurious credit cards available in the country in terms of both fees and benefits. This is not a regular credit card that anyone can apply for; it is invite-only and typically offered to high-net-worth individuals with significant spending and a relationship with American Express.

The card comes with extremely high charges, including a joining fee of ₹7,00,000 + GST and an annual fee of ₹2,75,000 + GST, reflecting the premium privileges and exclusivity associated with the card.

American Express Centurion Card

( 4.6 / 5 )
Invite Only
American Express Centurion Card
  • Joining Fee₹7,00,000 + GST
  • Annual Fee₹2,75,000 + GST
  • Best Suited ForTravel, Shopping, Food
  • Reward TypeReward Points

Rewards Rate

6 Membership Rewards Points for Every ₹200 Spent, Including Fuel, Insurance, and Utility Payments, Plus Bonus Points on Fuel Spends.

Welcome Benefits

N/A

Movie & Dining

Enjoy Up to 50% Off at Select Restaurants, 2X Eazy Points on Dining, 2,000 Joining Points, and Priority Reservations with EazyDiner Prime.

Rewards Rate

6 Membership Rewards Points for Every ₹200 Spent, Including Fuel, Insurance, and Utility Payments, Plus Bonus Points on Fuel Spends.

Reward Redemption

Transfer Reward Points to Partner Airlines and Hotels

Travel

Get Preferential Airfares on Select Global Airlines Including Emirates, Etihad Airways, United Airlines, Virgin Atlantic, and Singapore Airlines.

Domestic Lounge Access

Access to Premier Lounges Across the Globe

International Lounge Access

Enjoy Access to 1,550+ Airport Lounges Across 130 Countries, Including Centurion Lounges Worldwide and Meet & Greet Services at Select Airports.

Golf

Play at 30+ Premium Golf Courses in India, Enjoy Complimentary Golf Lessons, and Get Green Fee Waivers at 50+ International Golf Courses Worldwide.

Insurance Benefits

Air Accident Cover and More Travel Covers

  • Spend-Based Waiver

    N/A

    Rewards Redemption Fee

    N/A

    Foreign Currency Markup

    3.5%

    Interest Rates

    N/A

    Fuel Surcharge Waiver

    0% Fuel Surcharge for HPCL Transactions

    Cash Advance Charges

    3.5% (Minimum ₹250)

    • Invite-Only Ultra Premium Credit Card Offered Exclusively to Select High Net-Worth Individuals
    • Extremely High Joining and Annual Fee Reflecting Its Exclusive Benefits and Services
    • Dedicated Relationship Manager and Concierge Services for Travel, Dining, and Lifestyle Requests
    • Access to Premium Global Travel, Dining, and Golf Privileges Across Leading Destinations

    Pros

    • Offers some of the most exclusive travel, dining, and lifestyle privileges available on any credit card, including global lounge access and premium concierge services.

    Cons

    • The extremely high joining and annual fees make the card accessible only to a very small group of high-net-worth individuals.
  • Membership Rewards Earnings

    The American Express Centurion Card offers an elevated rewards earning structure through the Membership Rewards program. Cardholders earn 6 Membership Rewards points for every ₹200 spent, and this includes categories such as fuel, insurance, and utility payments, which are often excluded on many credit cards.

    In addition to the base reward rate, cardholders can also earn 4 additional bonus Membership Rewards points for every ₹200 spent on fuel transactions. This bonus earning is capped at 10,000 additional points per calendar month.

    Complimentary Memberships

    Hilton Honors

    Cardholders receive complimentary Hilton Honors elite status, unlocking benefits such as room upgrades, bonus points on stays, and additional hotel privileges without meeting the usual stay requirements.

    Marriott Bonvoy

    Enjoy Marriott Bonvoy Gold Elite status, offering benefits such as room upgrades, bonus points on stays, and enhanced recognition across Marriott properties worldwide.

    Radisson Rewards

    Get complimentary Radisson Rewards Premium status, which provides benefits like early check-in, late checkout, room upgrades, and discounts on dining at select properties.

    EazyDiner Prime

    Receive complimentary EazyDiner Prime membership, offering dining privileges including discounts at select restaurants, bonus Eazy Points, and priority reservations.

    Hertz Gold Plus Rewards

    Cardholders get complimentary Hertz Gold Plus Rewards membership, providing priority service at counters along with special discounts on car rentals worldwide.

    Golf Benefits

    The American Express Centurion Card offers exceptional golf privileges for cardholders who enjoy the sport. Cardmembers can play at more than 30 premium golf courses across India, including renowned venues such as DLF Golf Course, Jaypee Greens, ITC Classic, Willingdon Sports Club, and Prestige Golfshire, among others.

    In addition to complimentary golf games, cardholders can also enrol for complimentary golf lessons at some of the top 14 golf courses in India, making it suitable for both experienced golfers and beginners looking to improve their game.

    The benefits extend globally as well. Centurion members receive complimentary access and green fee waivers at over 50 international golf courses, allowing them to enjoy world-class golfing experiences at scenic locations around the globe.

    Bookings for golf sessions can be arranged through the dedicated Relationship Manager assigned to the cardholder.

    Global Lounge Collection

    The American Express Centurion Card provides access to an extensive Global Lounge Collection, giving cardholders entry to more than 1,550 airport lounges across 130 countries, regardless of the class they are flying.

    Centurion members can also access exclusive Centurion Lounges located across major international airports, including destinations such as New York (JFK), Las Vegas, Denver, Los Angeles, Miami, and more, with additional locations like London Heathrow expected in the future. In India, cardholders can also

    International Airline Program

    The American Express Centurion Card provides access to a special International Airline Program, allowing cardholders to enjoy preferential airfares on select premium airlines for destinations across the world.

    Through this program, Centurion members can receive special pricing on international flight bookings, making premium travel more rewarding. Some of the participating airlines include Emirates, Etihad Airways, United Airlines, Virgin Atlantic, and Singapore Airlines, among others.

    Bookings under this program can typically be arranged through the Centurion concierge or relationship manager, ensuring a seamless and premium travel experience for cardholders.

    Centurion New York

    The American Express Centurion Card also provides access to exclusive Centurion spaces such as Centurion New York, located on the 55th floor of One Vanderbilt in Midtown Manhattan. This private luxury space is designed exclusively for Centurion members.

    Cardholders can enjoy a refined hospitality experience from the moment they enter. The venue offers a comfortable environment where members can stop by for a mid-day coffee, relax with signature cocktails, or enjoy curated dining options in the evening.

    The space functions as a modern retreat in the heart of New York City, giving Centurion members a place to unwind, meet, or simply enjoy a premium hospitality experience while in Manhattan.

    American Express Centurion Card Features

    Bottom Line

    The American Express Centurion Card is a charge card that is available only through invitation. There is no publicly stated eligibility requirement for this card, although it is widely believed that individuals who hold the American Express Platinum Charge Card and meet certain spending and relationship criteria may become eligible for an invitation.

    One of the biggest advantages of this card is its exclusivity, along with the premium benefits it offers, such as a dedicated concierge service. There are numerous stories across the internet about how the AmEx Centurion concierge can arrange highly personalized experiences, making it one of the most talked-about credit cards in the world.

    From complimentary premium memberships to being one of the ultimate status symbols, the Centurion Card offers a unique combination of luxury, exclusivity, and high-end lifestyle privileges.

    FAQs:

    No, the American Express Centurion Card is an invite-only credit card. American Express typically offers it to select high-spending cardholders who already have a strong relationship with the brand.

    The card comes with a joining fee of ₹7,00,000 + GST and an annual fee of ₹2,75,000 + GST, making it one of the most expensive credit cards available in India.

    Some of the major benefits include global lounge access, preferential airline fares, premium golf privileges, accelerated Membership Rewards earnings, and exclusive lifestyle benefits such as EazyDiner Prime membership and Centurion concierge services.

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