American Express Platinum Card (Charge)
Updated 15 Apr 2026Source-linked
The American Express Platinum Card (Charge) is a super premium credit card from American Express, with a joining fee of ₹60,000 + GST.
It earns up to 5% back on fine hotels resorts spends in the form of membership rewards (points).
Cardholders get unlimited annual domestic + unlimited annual international airport lounge access, plus hotel stay voucher worth ₹45,000 (taj / marriott choice) + 50,000 mr bonus points as a welcome benefit.
American Express Platinum Card (Charge)
- Joining Fee₹60,000
- Annual Fee₹60,000
- Best Suited ForTravel
- Reward TypeMembership Rewards (points)
Rewards Rate
- 5% on fine hotels resorts
- Base 1.13% on other spends
Welcome Benefits
- Hotel stay voucher worth ₹45,000 (Taj / Marriott choice) + 50,000 MR bonus points
Amexplatinumsuper premiumRewards and Benefits
Rewards Rate
5% on fine hotels resorts
Base 1.13% on other spends.
Reward Redemption
Redeem at ₹0.35 per unit.
Welcome Benefits
Hotel stay voucher worth ₹45,000 (Taj / Marriott choice) + 50,000 MR bonus points
Milestone Rewards
- ₹5,00,000 / annual: Marriott / Taj stay vouchers worth ₹40,000 (choice)
- ₹20,00,000 / annual: ₹1,00,000 hotel/airline voucher
Domestic Lounge Access
Unlimited visits each annual.
International Lounge Access
Unlimited visits each annual.
Travel
Travel insurance cover bundled (see Insurance section).
Movie & Dining
Up to 25% off via Amex Dining Partners / Taj Epicure
Golf
Unlimited round(s) / monthly · unlimited lesson(s).
Insurance Benefits
- air accident: ₹10,00,00,000
- travel medical: ₹5,00,00,000
- purchase protection: ₹1,00,000
Other Benefits
- Taj / Marriott Bonvoy elite status — Complimentary Taj Epicure + Marriott Bonvoy Gold + Hilton Honors Gold status.
- Fine Hotels + Resorts benefits — Complimentary breakfast, room upgrade, late checkout at 1,000+ luxury properties globally.
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
0.00% per month (0.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹500 per monthly.
Cash Advance Charges
3.5% or ₹500 (whichever is higher)
Product Details
- super premium card issued by American Express.
- Joining / annual fee of ₹60,000 + GST.
- Available on the American Express network.
- Complimentary airport lounge access: domestic (unlimited/annual) + international (unlimited/annual).
- Insurance cover bundled: air accident, travel medical, purchase protection.
Pros & Cons
Pros
- Complimentary international airport lounge access.
- 24/7 concierge service.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Accelerated earn rate of 5% on fine hotels resorts.
Cons
- High annual fee of ₹60,000.
- No annual-fee waiver option.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
₹57,500 welcome benefit
- Hotel stay voucher worth ₹45,000 (Taj / Marriott choice) + 50,000 MR bonus pointsJoining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 5% on fine hotels resorts5x MR points on prepaid hotels via Fine Hotels + Resorts programme.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- insurance premiums
- cash advance
- utilities
Milestone benefits
- ₹5,00,000 / annual: Marriott / Taj stay vouchers worth ₹40,000 (choice) (≈ ₹40,000 value)
- ₹20,00,000 / annual: ₹1,00,000 hotel/airline voucher (≈ ₹1,00,000 value)
Airport lounge access
Domestic
Unlimited visit(s) / annual. Via dreamfolks, issuer-direct. Guests: 1.
International
Unlimited visit(s) / annual. Via priority-pass, issuer-direct. Guests: 1.
Access to Amex Centurion Lounges globally plus Priority Pass network.
Insurance benefits
- air accident: ₹10,00,00,000
- travel medical: ₹5,00,00,000
- purchase protection: ₹1,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹500 per monthly.
Other benefits
- Taj / Marriott Bonvoy elite status. Complimentary Taj Epicure + Marriott Bonvoy Gold + Hilton Honors Gold status.
- Fine Hotels + Resorts benefits. Complimentary breakfast, room upgrade, late checkout at 1,000+ luxury properties globally.
Sources
- : www.americanexpress.com · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 18–70
- Credit score
- 780+
- Income (salaried)
- ₹25,00,000 p.a.
- Income (self-employed)
- ₹25,00,000 p.a.
Amex acceptance in India is narrower than Visa/Mastercard. Charge card — no pre-set spending limit but balance due in full each cycle.