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The Platinum Charge card is a flagship offering by the popular American Express card issuer. It is a top-end credit card with a host of travel benefits that make life easier while traveling and give you access to special discounts at leading hotel chains, airlines, etc. You also get many other privileges, including unlimited complimentary domestic and international airport lounge access. Apart from the travel benefits, one of the unique features of this card is that it has no preset credit limit. It is one of the two American Express Charge Cards currently offered, and the other is the Amex Gold Card.

You also get fast-track upgrades to higher tiers on some of the most premium hotel loyalty programs, and if you need any assistance planning your trip, AmEx’s 24×7 concierge service is always there to help.

American Express Platinum Charge Card
(4.8/5)

Joining Fee

Rs. 60,000 + GST

Renewal Fee

Rs. 60,000 + GST

Best Suited For

Travel | Shopping |

Reward Type

Reward Points

Welcome Benefits

SeleQtions, Taj, and Vivanta Hotels Vouchers Worth Rs. 45,000. 10,000 Referral Bonus Membership Rewards Points

Movie & Dining

Complimentary membership to EazyDiner and a discount of up to 50% at 1,800 premium restaurants across India.

Rewards Rate

1 MR on every Rs. 40, 3X Rewards on all international spends, and 5X Rewards Points on transactions via the AmEx Reward Multiplier portal.

Reward Redemption

Membership Rewards Points can be redeemed against dining, travel, and accessories on AmEx's Membership Rewards Redemption portal.

Travel

Access to Over 1,300 Airport Lounges Across Over 150+ Countries and 24x7 Global Platinum Concierge Service

Domestic Lounge Access

Unlimited Free Airport Lounge Access

International Lounge Access

Access to Over 1,300 Airport Lounges Globally, Including American Express Lounges, Priority Pass Lounges, and Delta Lounges.

Golf

Complimentary access to premium domestic and international golf courses

Insurance Benefits

Personal air accident coverage worth Rs. 5 crore, cover of Rs. 50,000 for loss of check-in Baggage/ passport/ document, overseas medical insurance of USD 50,000 for the first 7 days of the trip.

Spend-Based Waiver

N/A

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

3.5% of the transaction amount

Interest Rates

3.5% per month

Fuel Surcharge

Fuel surcharge is waived at all HPCL fuel stations for purchases up to Rs. 5,000, 1% surcharge applicable on BPCL and IOCL stations and 2.5% surcharge applicable at all other fuel stations.

Cash Advance Charges

3.5% of the advanced amount subject to a minimum charge of Rs. 250.

  • Welcome gift of gift vouchers worth ₹45,000.
  • 1 MR (membership Reward) for every ₹40 spent with the card (except utility and insurance transactions).
  • Up to 5 Membership Rewards Points for every ₹100 spent on fuel.
  • 3X Membership Rewards on spends abroad.
  • 5X Membership Rewards Points on the AmEx’s Rewards Multiplier portal.
  • No preset credit limit.
  • 24×7 global concierge service.
  • Travel-related insurance benefits, including personal air-accidental death insurance worth ₹5 crores.
  • Up to 50% off at over 1800 premium restaurants in India and a complimentary membership to EazyDiner Prime.
  • Access to over 1,300 airport lounges globally, including Centurian Lounges and American Express Lounges.

Pros

  • This card offers complimentary domestic and international lounge access.
  • With this card, you can get up to 50% off on partner restaurants.

Cons

  • This card comes with a high annual fee of Rs. 60,000.
  • There isn’t any waiver of the annual fees with this card.

American Express Platinum Card Features and Benefits

Being one of the most premium AmEx Cards in the Indian market, the Platinum Card comes with a host of exciting advantages across different categories, including travel, reward programs, and many more. To understand all its features and benefits in detail, refer to the following information:

Welcome Benefits

  • Get stay vouchers from Taj, SeleQtions, and Vivanta Hotels worth ₹45,000 if you spend ₹50,000 in the first two months of card issuance.
  • Earn 10,000 Referral Bonus Membership Rewards Points on spending ₹5,000 within 90 days of card issuance.

Travel Benefits

  • Unlimited complimentary domestic lounge access to partner lounges in India.
  • Access to over 1,300+ airport lounges globally, including Centurion Lounges, American Express Lounges, Priority Pass Lounges, Escape Lounges, and Delta Sky Club Lounges.
  • Fast track upgrade to higher tier membership at leading hotel loyalty programs around the world, including Taj Reimagined Epicure, Marriott Bonvoy Gold Elite Status, Hertz Gold Plus Rewards, Radisson Rewards Gold Status, and Hilton Honors Gold Status without having to fulfill the usually required criteria.
  • 25% off at Taj, SeleQtions, and Vivanta Hotels.
  • Exclusive deals on some of the world’s finest airlines like Emirates, Qatar Airways, Virgin Atlantic, British Airways, Air France, KLM, Delta Airlines, and many others.
  • Complimentary benefits worth ₹37,000 at 5-star hotels, including guaranteed 4 PM late check-out, room upgrades at check-in (if available), daily breakfast for two, WiFi, or a special amenity at each property worth USD 100.
  • 24×7 global concierge service for assistance regarding hotel/flight bookings.
  • On overnight Platinum Luxury Rail Journeys in Europe, pre- or post-departure fine dining is up to USD 100 per person.

Movie and Dining Benefits

  • Up to 50% discount on dining bills at over 1800 premium restaurants across India.
  • Preferential reservation, complimentary drinks, and a 24×7 VIP helpline.
  • Cardholders get a complimentary EazyDiner Prime membership with the Platinum Charge Card.

Golf Benefits

The American Express Platinum Credit Card entitles you to complimentary access to over 30 golf courses in India and 50+ golf courses worldwide.

Fuel Surcharge Waiver

  • No fuel surcharge at HPCL fuel stations for transactions up to ₹5,000 (1% surcharge applicable thereafter).
  • 1% fuel surcharge at BPCL and IOCL fuel stations (subject to a minimum surcharge of ₹10).
  • 2.5% surcharge at all other fuel stations (subject to a minimum surcharge of ₹10).

Insurance Benefits

  • Travel-related insurance benefits as under-
Category Insurance Cover
Personal air accident (loss of life) ₹5 crore
Loss of check-in baggage, passport, documents ₹50,000
Overseas medical insurance USD 50,000
  • Protection against loss or damage of tangible goods within 90 days of purchase due to fire, burglary, or natural calamities.
  • Wallet protection, including fraud protection, worth ₹15 Lacs
  • Emergency Hotel and Travel Assistance up to ₹2 Lacs and emergency cash in India.

American Express Platinum Charge Card Reward Earning

  • 1 Membership Rewards Point for every ₹40 spent using the card.
  • 3X Membership Rewards Points on all spends outside India.
  • 5X Membership Rewards Points on purchasing from the Reward Multiplier portal.
  • 1 Membership Reward Point on every ₹100 spent on fuel, and 4 additional Membership Reward Points on every ₹100 spent on fuel with a maximum cap of 5,000 monthly Membership Rewards Points.
  • You don’t earn any reward points on utility bill payments and insurance spends.

Reward Redemption

  • The Membership Rewards Points are redeemable on popular e-commerce websites (like Flipkart) by purchasing e-vouchers from Amex’s online shopping portal, INSTA purchases at offline stores, and also making credit card bill payments under the Cash + Points program.
  • The Membership Rewards Points are transferable to other AirMiles and hotel loyalty programs like Asia Miles, British Airways Executive Club, Club Vistara, Emirates, Skywards, Etihad Guest, Finnair Plus, InterMiles, Qatar Privilege Club, Singapore KrisFlyer, Virgin Points, Marriott Bonovoy, and Hilton Honors.
  • You can book hotels, flights, and experiences on the Amex Online Travel website and can even pay for fees and taxes with your reward points.
  • Redeem points for a range of dining, travel, and entertainment products like electronics, luggage, kitchen accessories, etc., at the Membership Rewards catalog.

Advantages of American Express Platinum Card

  • Dining Benefits: American Express Platinum Card offers as much as a 50% discount on dining bills at partner restaurants. You are also entitled to preferential reservations and complimentary drinks at certain partner restaurants.
  • 5x Reward Points via Reward Multiplier: You can earn 5x Membership Rewards Points on your American Express Platinum Card on purchases made via American Express’s Reward Multiplier portal.
  • Insurance Benefits: Another very important feature of the American Express Platinum Credit Card is that you are entitled to comprehensive insurance coverage that includes personal air accident insurance worth ₹5 crores and overseas medical cover worth USD 50,000.

Drawbacks of American Express Platinum Card

  • High Annual Fee: American Express Platinum Card comes with a membership fee of ₹60,000 per annum, which is one of the highest in the Indian credit card market.
  • No Spend-Based Waiver: You do not get any spend-based waiver on the annual fee of the American Express Platinum Card. You have to pay the annual cost of ₹60,000 for the American Express Platinum Card.
  • Not Very High Reward Rate for a Super Premium Credit Card: American Express Platinum Credit Card earns you 1 Membership Rewards Point for every ₹40 spent with the card, while the maximum monetary value of 1 Membership Rewards Point is ₹0.50- thus effectively, a maximum reward rate of 1.25%, which is definitely not a very good reward rate for a superpremium credit card that comes with a membership fee of ₹60,000 per annum. However, as mentioned earlier, the card does offer attractive welcome/milestone benefits and travel benefits to compensate for the not-good reward rate.

American Express Platinum Charge Card

American Express Platinum Card Eligibility Criteria

To be eligible for the American Express Platinum credit card:

  • Your age must be 18 years or above.
  • Salaried applicants must have a minimum annual income of ₹25,00,000, and self-employed applicants must have a minimum annual income of ₹15,00,000 (and their company must have been trading for at least 12 months).
  • You must be a resident of any of the following cities- Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Kolkata, Indore, Coimbatore, Chandigarh/Tricity, Ahmedabad, Surat, Vadodara, Bhopal, Bhubaneshwar, Ernakulam, Vijayawada, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum, Mysuru, Cuttack & Vizag.

American Express Platinum Card Customer Care

American Express has a dedicated customer care helpline for its Platinum cardholders. You may dial 1800 419 1255 (toll-free), 1800 180 1255, 0124-2801444, or 0124-4650244 in case you need any assistance or to report the loss of a card.

American Express Platinum Card Review

American Express Platinum card is one of the super-premium or rather luxury credit cards in the Indian market. With a high annual fee of ₹60,000, it is in direct competition with Axis Bank’s Burgundy Private credit card, both in terms of benefits and annual fee.

The Platinum Card is a perfect fit for frequent travelers who don’t want to compromise with their premium travel needs, as it rewards you with discounts at some of the most high-end properties in India and abroad. You get unlimited complimentary lounge access worldwide under Amex’s native and third-party lounge access programs like Priority Pass, Delta Sky Club Lounges, Escape Lounges, etc.

You also get a fast-track upgrade to higher tiers of some premium hotel loyalty programs. Apart from the benefits it offers, what makes this card stand out is American Express’s brand value and the metallic build, which gives it an unmatched premium feel. What’s your opinion of this card? Do let us know in the comments.

FAQs:

Charge cards are American Express' category of super premium credit cards. American Express offers only two charge cards: the Platinum and Gold Charge Card. These cards have no preset credit limit and offer many premium benefits.
Yes, you get 1 Membership Rewards Point per ₹100 spent on fuel purchases. Under a special offer, AmEx offers 4 bonus Points per ₹100 (i.e., total 4+1 = 5 Points) on every ₹100 spent on fuel purchases. The max cap on the bonus Reward Points is 5,000 Points per calendar month.
Yes, you need not enter the PIN for transactions of up to ₹5,000.
No, American Express Platinum credit card can be issued only to the residents of Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Kolkata, Indore, Coimbatore, Chandigarh/Tricity, Ahmedabad, Surat, Vadodra, Bhopal, Bhubaneshwar, Ernakulam, Vijaywada, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum, Mysuru, Cuttack and Vizag.
The Membership Rewards Points do not expire.

Comments

  1. Md Oliullah Abdal

    It was huge embracement as I was denied entry to #LoyaltyLounge at Mumbai Airport T2 international departure. No prior intimation about discontinuation of this services .

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American Express Platinum Charge Card

American Express Platinum Charge Card

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