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The Platinum Reserve credit card is the second most premium credit card that American Express offers, only next to the Platinum card, which is a Charge Card (Charge cards have a variable credit limit). Looking at the benefits that it offers, from Taj Epicure membership to the Hotel Collection program, one might consider it a travel credit card. However, it offers many other benefits, including exclusive dining benefits, complimentary golf, and movie vouchers.

Apart from all these benefits, AmEx cards are known for their brand value. Many prefer AmEx cards over Visa and MasterCard just for that reason. Here, we’ve covered in detail all the features and benefits this card offers. Read on to find out whether it fits your needs.

American Express Platinum Reserve Credit Card

Joining Fee

Rs. 10,000 + GST

Renewal Fee

Rs. 10,000 + GST

Best Suited For

Travel | Dining | Shopping |

Reward Type

Reward Points

Welcome Benefits

11,000 bonus Membership Rewards Points on a minimum expenditure of Rs. 30,000 within 90 days of card issuance.

Movie & Dining

BookMyShow Vouchers Worth Rs. 1,000 on Achieving Monthly Spends and Complimentary Membership of EazyDiner Prime

Rewards Rate

1 Membership Reward Point for every Rs. 50 spent with the card except for spends on fuel, utilities, insurance, cash transactions, and EMI conversion at Point of Sale.

Reward Redemption

Membership Rewards Points redeemable for online shopping vouchers, INSTA rewards for offline purchases, transfer to various flight and hotels loyalty programs and for making credit card bill payments under the Cash + Points scheme.


Complimentary Priority Pass, Accor Traveller, Taj Epicure Membership

Domestic Lounge Access

12 complimentary domestic lounge visits (limited to 3 per quarter)

International Lounge Access

Two Free Visits Via Priority Pass


2 complimentary rounds of golf per month at 32 premium golf destinations in India with a 100% waiver on the green fee.

Insurance Benefits

Air accident cover worth Rs. 1 crore, purchase protection against loss, damage, or burglary of any item purchased using the card

Spend-Based Waiver

Annual Fee Waiver on Spends of Rs. 10 Lakh in a Year

Rewards Redemption Fee


Rewards Redemption Fee


Foreign Currency Markup

3.5% of the transaction amount

Interest Rates

3.5% per month

Fuel Surcharge

Waived at HPCL fuel stations for transactions up to Rs. 5,000, 1% surcharge on BPCL and IOCL stations and 2.5% surcharge at all other fuel stations.

Cash Advance Charges

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

  • 11,000 bonus Membership Rewards Points as a welcome gift.
  • 1 Membership Rewards Point for every Rs. 50 spent with the card (except fuel, insurance, utility, EMI conversions).
  • Monthly Flipkart/BookMyShow or other brands vouchers as milestone benefits.
  • Complimentary (limited) visits to domestic airport lounges and a complimentary Priority Pass membership.
  • Complimentary membership of Taj Epicure.
  • 2 complimentary rounds of golf every month at 32 premium golf courses across India.
  • Dining offers with complimentary membership of EazyDiner Prime.
  • 24×7 American Express concierge service.
  • Air accident insurance cover worth Rs. 1 crore.


  • For frequent flyers, this card offers 12 domestic lounge visits and a Priority Pass membership.
  • You would get 11,000 Membership Reward Points on the realization of card joining fees.


  • Although the joining fee is Rs. 5,000, the annual fee chargeable from the second year is Rs. 10,000.

American Express Platinum Reserve Credit Card Rewards

You earn 1 Membership Rewards Point for every Rs. 50 spent with this card with the exception of spends on fuel, insurance, utilities, cash transactions and EMI conversion at Point of Sale. 3X Reward Points while shopping through the AmEx Rewards Multiplier.

Reward Redemption:

  • The Membership Rewards Points earned on the American Express Platinum Reserve Credit card can be redeemed for purchasing e-vouchers from American Express’s online shopping portal, INSTA purchases at offline stores, and also to make credit card bill payments under the card issuer’s Cash + Points scheme.
  • Membership Reward Points can also be transferred to airlines 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.
  • The monetary value of the Membership Reward Points varies for different modes of redemption.

Welcome Benefit

You get 11,000 bonus Membership Rewards Points as a welcome benefit on the expenditure of Rs. 30,000 within 90 days of the card issuance, subject to the realization of the joining fee.

Milestone Benefits

  • You can choose between Flipkart, BookMyShow, or other brand vouchers worth Rs. 1,000 on the expenditure of Rs. 50,000 in a calendar month.
  • Taj stays voucher worth Rs. 10,000 on the expenditure of a minimum of Rs. 5 lakhs in a membership year (subject to realization of the annual membership fee).

Travel Benefits

  • 12 complimentary domestic airport lounge visits (limited to 3 per quarter) to partner airport lounges across India.
  • Complimentary Priority Pass Membership for international lounge access at 1200+ VIP lounges across 120+ countries around the world. Two visits to the international lounge are complimentary via Priority Pass, while additional visits are chargeable.
  • Complimentary Taj Epicure Membership that gives you special privileges, including a 10% discount on stays, late check-outs, and unlimited validity of Taj InnerCircle Points.
  • Complimentary Accor Plus Traveller Membership which offers up to 50% off on dining at over 1,400 participating Accor hotel restaurants, early access to Accor hotel sales, access to exclusive member events, and more.
  • USD 100 hotel credit and a complimentary room upgrade at luxurious hotel chains, including Hyatt & Hilton Hotels, under the Hotel Collection program.

Movie Benefits

You can choose between a movie or shopping voucher worth Rs. 1,000 on a minimum monthly expenditure of Rs. 50,000. The following shopping brands are included for redemption Flipkart, Shoppers Stop, Myntra, Big Basket, PVR, and MakeMyTrip.

Dining Experiences

  • Complimentary Taj Epicure Program with exclusive benefits on dine-outs at bars, restaurants, and spas across Taj, SeleQtions, and Vivanta Hotels, including 50% discount on first three dining transactions, 2 room upgrade vouchers, and happy hours from 6 PM to 8 PM at participating bars.
  • Complimentary membership of EazyDiner Prime, which entitles you to benefits like a minimum of 25% off on Prime restaurants, and complimentary drinks with every booking.

Golf Privileges

  • Two complimentary rounds of golf every month at 30+ of the top golf destinations in India with a 100% waiver on the green fee. This benefit is unlocked on making spends of Rs. 50,000 and above in the prior two months.
  • Primary and add-on card members can also get golf lessons at a discounted price.

Concierge Service

You get a global 24×7 Platinum concierge service with this credit card. You’ll get assistance regarding-

  • Delivery of flowers and gifts
  • Booking movie tickets,
  • Arranging a round of golf,
  • Booking a spa session with participating partners,
  • Dining reservations
  • You can avail of the American Express concierge service by dialing 1800-180-1030 or 1800-419-1030.

Insurance Benefits

  • Personal air accident cover worth Rs. 1 crore (applicable only in case of loss of life).
  • Purchase protection in case an item (purchased via the credit card) is stolen due to burglary or damages or breaks due to fire, earthquake, flood, storm, cyclone, etc., within 60 days of purchase. In such a case, the amount paid may be refunded.
  • Both these insurance benefits are provided in partnership with ICICI Lombard General Insurance Company Limited.

Fuel Surcharge

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

Zero Liability Protection

The cardholder is not liable for any fraudulent transaction made with the card if the loss of the card is reported within three days. Otherwise, the liability of the cardholder is limited to a maximum of Rs. 1,000.

American Express Platinum Reserve Credit Card Eligibility

Eligibility for this credit card as per the table below-

Criteria Salaried Employees Self-Employed Individuals
Age >18 Years >18 Years
Income Minimum Rs. 6,00,000 per annum Minimum Rs. 6,00,000 per annum (as per ITR) and an at least 12-year-old company.

American Express Customer Care

American Express has a dedicated helpline for their Platinum Reserve credit card customers. You may dial 1800 180 1030 (toll-free), 1800 419 1030 (toll-free), or 0124-280 1030 to report the loss of your card or in case you need assistance. These numbers are operational 24×7.

American Express Platinum Reserve Credit Card Review

Look at the travel-related benefits that this card offers. You might find a resemblance between the Platinum Travel card and this one, with the former offering similar benefits at half the annual membership fee. The reward rate for both cards is also similar. So, if travel benefits are all you need from your credit card, you might consider the Platinum Travel card instead.

If you’re looking for a premium credit card packed with all kinds of benefits, including some exclusive travel privileges, this card is worth looking at. If we leave behind the extra travel benefits that this card offers, it is in direct competition with HDFC’s Infinia and ICICI’s Emerald credit cards. If you’re one of those people for whom the AmEx logo increases the worth of their wallet, you can pick this one without a second thought. It’s not a bad deal, at least as far as premium cards are concerned specifically with the additional dining benefits and complimentary memberships. Let us know in the comments what you think of American Express’s premium offering and what benefits you seek in a high-end credit card.


American Express Membership Rewards Points never expire.
Yes, you can pay your credit card bill using the Membership Rewards Points that you earned. The Points are adjusted against your card's statement balance.
You get a complimentary Priority Pass membership with this credit card. Two international lounge visits per year are free after that they shall be chargeable.
You can get up to 4 complimentary add-on credit cards, post which you'll have to pay Rs. 1,500 per add-on card.
American Express credit cards are available only in Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Kolkata, Indore, Coimbatore, Chandigarh/Tricity, Ahmedabad, Surat, Vadodara, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum, and Mysuru subject to conditions.
Yes, this card does support contactless payment. You need not even enter the PIN for transactions up to Rs. 5,000.

1 Comment

  1. Naitik Reply

    Dont purchase. It’s a complete waste of money. There are many better cards than this.

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