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American Express Platinum Card

Unlike a traditional credit card, this is a Charge Card, meaning it has no pre-set spending limit (spending power adjusts dynamically), and balances must be paid in full each month. It is specifically designed for high-net-worth individuals who travel frequently and seek premium lifestyle experiences. Key features include:

  • The Global Lounge Collection: Access to more than 1,550 airport lounges across 140+ countries, including The Centurion® Lounge, Priority Pass™ Lounges, Delta Sky Club® (when flying with Delta), and Domestic Partner Lounges in India.
  • Fine Hotels & Resorts: Complimentary benefits worth up to INR 44,300 per stay at over 1,000 iconic 5-star properties, including 4 PM late check-out, room upgrades, daily breakfast for two, and a US$100 experience credit.
  • Elite Tier Fast-Tracks: Instant upgrades to higher loyalty program statuses without meeting standard stay criteria (e.g., Marriott Bonvoy™ Gold Elite, Hilton Honors Gold, Taj Reimagined Epicure, Radisson Rewards Premium, and Accor Plus Traveler Membership).
  • Domestic Lodging Benefits: Up to 25% off at Taj, SeleQtions, and Vivanta Hotels, and 50% off suites at Oberoi Hotels & Resorts.

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American Express Platinum Card

Joining Fee

Rs. 66,000 + GST

Renewal Fee

Rs. 66,000 + GST

Best Suited For

TRAVEL

Reward Type

Get up to 20X* Rewards on 20+ luxury brands

Welcome Benefits

  • Value: Welcome benefits worth up to INR 60,000.
  • Options: Choose vouchers from Taj Hotels, Luxe Gift Card, or The Postcard Hotels & Resorts.
  • Eligibility: Benefits are provided within 6–8 weeks of paying the first-year annual fee and achieving a net spend of INR 50,000 within the first two months of Card Membership.

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    reward and benefits +

  • Base Rate: Earn 1 Membership Reward Point for every INR 40 spent.
  • International Spends: Earn 3X Membership Reward Points on all spending made abroad.
  • Luxury Accelerator: Earn up to 20X Rewards across 20+ partner luxury brands.
  • Flexibility: Points never expire and can be redeemed across 500+ options, including travel, dining, accessories, or statement credits.
  • Renewal Benefit: Stand to receive a renewal voucher worth up to INR 35,000 upon spending INR 20 lakhs in a membership year and paying the renewal fee.

    • free & charges +

    Annual Fee: INR 66,000 plus applicable taxes.

    product details +

    To be eligible for this card, you must meet the following criteria:

    • Age: Must be over 18 years of age.
    • Income Requirements:
      • Salaried: Personal annual income of INR 25 lakhs and above.
      • Self-Employed: Personal annual income of INR 15 lakhs and above (the business must have been operating for more than 12 months).
    • Credit Standing: A good credit history with no payment defaults.
    • Account Status: Must have a savings or current account with an Indian or multinational bank operating in India.
    • Residency: Must have a current residential address in India and be a Resident Indian under the Income Tax Act.
    • Location Availability: Currently issued to residents of major locations, including Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Kolkata, Indore, Coimbatore, Chandigarh/Tricity, Ahmedabad, Surat, Vadodara, Bhopal, Bhubaneswar, Ernakulam, Vijayawada, Lucknow, Ludhiana, Nagpur, Nashik, Trivandrum, Mysuru, Cuttack, and Vizag.

    pros / cons +

    Pros

    • Premium airport lounge access across 140+ countries.

    • Generous welcome benefits worth up to INR 60,000.

    • Complimentary luxury hotel privileges and elite memberships.

    • Earn 3X Membership Rewards Points on international spends.

    • Membership Rewards Points never expire.

    • No pre-set spending limit with dynamic spending power.

    • Exclusive concierge and lifestyle benefits.

    • Strong travel and luxury-focused rewards program.

    Cons

    • High annual fee of INR 66,000 plus taxes.

    • Balance must be paid in full every month, as it is a Charge Card.

    • High income eligibility requirements.

    • Welcome and renewal benefits require minimum spending thresholds.

    • Available only in selected cities across India.

    • Hotel and travel benefits are most valuable for frequent travelers.

    • Approval is subject to credit history and eligibility criteria.

    • Some benefits are subject to availability and partner program terms.