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Credit Cards · India

American Express Platinum Reserve Credit Card

Updated 5 Jul 2026Source-linked

The American Express Platinum Reserve Credit Card is a super premium credit card from American Express, with a joining fee of ₹10,000 + GST.

Cardholders get 8 annual domestic + 0 annual international airport lounge access, plus 11,000 bonus membership rewards points as a welcome benefit.

American Express logo
American Express Platinum Reserve Credit Card
American Express logo
  • Joining Fee₹10,000
  • Annual Fee₹10,000
  • Best Suited ForDining
  • Reward TypeMembership Rewards (points)
Rewards Rate
  • Base rate 1.13%
Welcome Benefits
  • 11,000 bonus Membership Rewards points
Data verified 5 Jul 2026 — see our methodology
American Express logoAmexAmerican Express logoplatinumsuper premium
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Rewards and Benefits

Rewards Rate
Base 1.13% on other spends.
Reward Redemption
Redeem at ₹0.25 per unit.
Welcome Benefits
11,000 bonus Membership Rewards points
Milestone Rewards
  • ₹50,000 / monthly: Movie or online-shopping vouchers worth ₹12,000/year on spending ₹50,000 every month
Domestic Lounge Access
8 visits each annual.
International Lounge Access
N/A
Travel
Travel insurance cover bundled (see Insurance section).
Movie & Dining
Up to 25% off via Amex Dining Partners
Golf
2 round(s) / monthly · 2 lesson(s).
Insurance Benefits
  • air accident: ₹1,00,00,000
  • travel medical: ₹50,00,000
Other Benefits
  • Accor Plus Explorer membership — Complimentary ALL Accor Plus Explorer membership.
  • Taj Epicure Plus membership — Complimentary Taj Epicure Plus enrolment.
  • EazyDiner Prime membership — Complimentary EazyDiner Prime membership for 1 year.

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 · 1.1% = ₹169/mo
  • Groceries₹8,000 · 1.1% = ₹90/mo
  • Dining & food delivery₹8,000 · 1.1% = ₹90/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 1.1% = ₹113/mo
  • Utilities & bills₹5,000 · 0.0% = ₹0/mo
Est.net rewards for this spend, realistic
₹-4,465/yr

₹5,535 rewards − ₹10,000 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Cash Advance Charges
3.5% or ₹250 (whichever is higher)

Product Details

  • super premium card issued by American Express.
  • Joining / annual fee of ₹10,000 + GST.
  • Available on the American Express network.
  • Complimentary airport lounge access: domestic (8/annual) + international (0/annual).
  • Insurance cover bundled: air accident, travel medical.

Pros & Cons

Pros
  • Complimentary international airport lounge access.
  • 24/7 concierge service.
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
  • High annual fee of ₹10,000.
  • No annual-fee waiver option.
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹4,400 welcome benefit

  • 11,000 bonus Membership Rewards points
    Spend ₹30,000 within 90 days (1st year, on fee payment)
    Window: 90 days from issuance.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • insurance premiums
  • emi
  • cash advance
  • utilities

Milestone benefits

  • ₹50,000 / monthly: Movie or online-shopping vouchers worth ₹12,000/year on spending ₹50,000 every month (≈ ₹12,000 value)

Airport lounge access

Domestic
8 visit(s) / annual. Via dreamfolks.
International

Insurance benefits

  • air accident: ₹1,00,00,000
  • travel medical: ₹50,00,000

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.

Other benefits

  • Accor Plus Explorer membership. Complimentary ALL Accor Plus Explorer membership.
  • Taj Epicure Plus membership. Complimentary Taj Epicure Plus enrolment.
  • EazyDiner Prime membership. Complimentary EazyDiner Prime membership for 1 year.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
18–70
Credit score
750+
Income (salaried)
₹6,00,000 p.a.
Income (self-employed)
₹6,00,000 p.a.

Amex acceptance in India is narrower than Visa/Mastercard.

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