American Express Centurion Card (Black Card)
Updated 15 Apr 2026Source-linked
The American Express Centurion Card (Black Card) is a invite only credit card from American Express, with a joining fee of ₹2,00,000 + GST.
Cardholders get unlimited annual domestic + unlimited annual international airport lounge access.
American Express Centurion Card (Black Card)
- Joining Fee₹2,00,000
- Annual Fee₹2,00,000
- Best Suited ForLifestyle & travel
- Reward TypeMembership Rewards (points)
Rewards Rate
- Base rate 1.67%
Welcome Benefits
- Not applicable
Amexcenturioninvite onlyRewards and Benefits
Rewards Rate
Base 1.67% on other spends.
Reward Redemption
Multiple (MR transfer): Redeem at — per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
Unlimited visits each annual.
International Lounge Access
Unlimited visits each annual.
Travel
Travel insurance cover bundled (see Insurance section).
Movie & Dining
N/A
Golf
Unlimited round(s) / monthly · unlimited lesson(s).
Insurance Benefits
- air accident: ₹15,00,00,000
- travel medical: ₹10,00,00,000
Other Benefits
- Centurion personal concierge — 24/7 Centurion concierge and lifestyle management.
- Elite status bundle — Complimentary elite status with Marriott Bonvoy, Hilton Honors, Taj, and multiple airline programmes.
- Fine Hotels + Resorts — Complimentary Fine Hotels + Resorts benefits globally (room upgrade, breakfast, late checkout).
- +1 more
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
0.00%
Interest Rates
0.00% per month (0.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000.
Cash Advance Charges
3.5% or ₹500 (whichever is higher)
Product Details
- invite only card issued by American Express.
- Joining / annual fee of ₹2,00,000 + GST.
- Available on the American Express network.
- Complimentary airport lounge access: domestic (unlimited/annual) + international (unlimited/annual).
- Insurance cover bundled: air accident, travel medical.
Pros & Cons
Pros
- Strong base reward rate of 1.67%.
- Low forex markup of 0.00% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
Cons
- High annual fee of ₹2,00,000.
- No annual-fee waiver option.
- No rewards on fuel spends.
- Invite-only — limited availability.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- cash advance
Airport lounge access
Domestic
Unlimited visit(s) / annual. Via issuer-direct, dreamfolks. Guests: unlimited.
International
Unlimited visit(s) / annual. Via priority-pass, issuer-direct. Guests: unlimited.
Insurance benefits
- air accident: ₹15,00,00,000
- travel medical: ₹10,00,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000.
Other benefits
- Centurion personal concierge. 24/7 Centurion concierge and lifestyle management.
- Elite status bundle. Complimentary elite status with Marriott Bonvoy, Hilton Honors, Taj, and multiple airline programmes.
- Fine Hotels + Resorts. Complimentary Fine Hotels + Resorts benefits globally (room upgrade, breakfast, late checkout).
- Airport meet-and-greet. Meet-and-greet and expedited transit at select international airports.
Sources
- : www.americanexpress.com · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–70
- Credit score
- 800+
- Income (salaried)
- —
- Income (self-employed)
- —
Strictly invite-only. Typically requires very high annual Amex spend (reported ₹1Cr+) before consideration.