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Credit Cards · India

American Express Centurion Card (Black Card)

Updated 5 Jul 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 logo
American Express Centurion Card (Black Card)
American Express logo
  • 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
Data verified 5 Jul 2026 — see our methodology
American Express logoAmexAmerican Express logocenturioninvite only
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Rewards and Benefits

Rewards Rate
Base 1.67% on other spends.
Reward Redemption
Multiple (MR transfer): 8 transfer partners; ratios are card-point : partner-unit. realized Rs 0.50 = guaranteed non-transfer floor; best documented transfer Rs 0.55. 7 partners beat the floor. Full per-partner values below.
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

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 1.7% = ₹250/mo
  • Groceries₹8,000 · 1.7% = ₹133/mo
  • Dining & food delivery₹8,000 · 1.7% = ₹133/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 1.7% = ₹167/mo
  • Utilities & bills₹5,000 · 1.7% = ₹83/mo
Est.net rewards for this spend, realistic
₹-1,90,800/yr

₹9,200 rewards − ₹2,00,000 annual fee. Estimate for the spend you entered.

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.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

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

Last verified 5 Jul 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.

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