American Express Platinum Reserve Credit Card
Updated 15 Apr 2026Source-linked
The American Express Platinum Reserve Credit Card is a super premium credit card from American Express, with a joining fee of ₹5,000 + GST.
Cardholders get 8 annual domestic + 0 annual international airport lounge access, plus ₹11,000 taj hotels gift card as a welcome benefit.
American Express Platinum Reserve Credit Card
- Joining Fee₹10,000
- Annual Fee₹5,000
- Best Suited ForDining
- Reward TypeMembership Rewards (points)
Rewards Rate
- Base rate 1.13%
Welcome Benefits
- ₹11,000 Taj Hotels gift card
Amexplatinumsuper premiumRewards and Benefits
Rewards Rate
Base 1.13% on other spends.
Reward Redemption
Redeem at ₹0.25 per unit.
Welcome Benefits
₹11,000 Taj Hotels gift card
Milestone Rewards
- ₹5,00,000 / annual: Taj Hotels Reservations vouchers worth ₹10,000
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
- Taj Epicure Plus membership — Complimentary Taj Epicure Plus enrolment.
- EazyDiner Prime membership — Complimentary EazyDiner Prime membership for 1 year.
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 ₹5,000 + 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 ₹5,000.
- No annual-fee waiver option.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
₹11,000 welcome benefit
- ₹11,000 Taj Hotels gift cardSpend ₹75,000 within 90 daysWindow: 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
- ₹5,00,000 / annual: Taj Hotels Reservations vouchers worth ₹10,000 (≈ ₹10,000 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
- Taj Epicure Plus membership. Complimentary Taj Epicure Plus enrolment.
- EazyDiner Prime membership. Complimentary EazyDiner Prime membership for 1 year.
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
- 750+
- Income (salaried)
- ₹15,00,000 p.a.
- Income (self-employed)
- ₹15,00,000 p.a.
Amex acceptance in India is narrower than Visa/Mastercard.