AmEx
American Express Platinum Charge Credit Card
AmexCredit CardSuper PremiumAvailable
Apply Now →Annual Fee
₹66,000
Best Reward
20× Accelerated
Lounge Access
Yes
Min Income
₹25.0L
Highlights
- • Provides access to 1,550+ airport lounges across 140+ countries via the American Express Global Lounge Collection, including Centurion and Priority Pass lounges.
- • Offers complimentary Fine Hotels & Resorts benefits worth an average of ₹44,300 at 1,300+ properties, including room upgrades and daily breakfast for two.
- • Delivers a renewal benefit voucher worth up to ₹35,000 on completing a membership year and spending over ₹20,00,000, plus paying the renewal fee.
Things to note
- • Carries a high annual fee of ₹66,000 plus applicable taxes every year, with no reduction or waiver structure stated on the official page.
- • Does not earn Membership Rewards points on insurance and utility payments such as electricity, water, and gas bills, unlike other retail spends.
- • Cash withdrawal in India is temporarily suspended, and overseas cash withdrawal is capped at US$750 every 14 days per the official fee schedule.
Who is this card for?
Built for high-income individuals who travel frequently and want no pre-set spending limit, extensive global airport lounge access, premium hotel privileges, elite loyalty status, and a dedicated travel and lifestyle concierge service.
About this card
The American Express® Platinum Card is a super-premium charge card with no pre-set spending limit, offering access to 1,550+ global airport lounges, Fine Hotels & Resorts privileges worth ₹44,300, elite hotel-tier memberships, EazyDiner Prime dining discounts, air accident cover of ₹5 crore, overseas medical insurance, purchase protection, and a dedicated 24x7 Platinum travel concierge.
Base Rate
1 flatReward Points
1 Membership Rewards point per ₹40 spent. Applies to spends except Fuel, Insurance, and Utility payments. Points never expire, redeemable via vouchers, transfer partners, Pay with Points, or against statement charges.
Exclusions: No points on Insurance and Utility payments (electricity, water, gas from govt./municipal/housing bodies).
Bonus Categories
3×
Reward Points
International
Applies to purchases abroad and online purchases in foreign currency.
20×
Reward Points
Accelerated
Earn up to 20X Membership Rewards Points. Available online on 20+ luxury brands, no promo code needed, unlimited points.
5 flat
Reward Points
Fuel
Cap: ₹5,000/Monthly
5 Membership Rewards points per ₹100 spent on Fuel. Fuel = petrol, diesel, CNG from OMCs. Bonus points may take up to 90 days to post.
Exclusions: Bonus capped at 5,000/month, only OMC fuel purchases qualify.
Total estimated annual value₹44,300 / yr
🏨
Fine Hotels & Resorts
₹44,300 / yrHotel
Benefits at 1,300+ properties (Four Seasons, Mandarin Oriental, Ritz-Carlton): room upgrade when available, daily breakfast for two, guaranteed 4pm late check-out.
Book via Platinum Travel Service, value based on 2021 bookings, varies by property.
Exclusions: Certain room categories not eligible for upgrade.
✈️
AMEX Global Lounge Collection
Lounge
1,550+ lounges in 140+ countries (Centurion, Priority Pass, Delta Sky Club when flying Delta, Escape Lounges, Domestic Partner Lounges India).
Priority Pass usable only for international access. Check Lounge Finder for current status.
🏨
The Hotel Collection
Hotel
US$100 experience credit + room upgrade at 600+ hotels in 30+ countries (Grand Hyatt, Conrad, Sofitel) for 2-night bookings via Travel Concierge.
Minimum 2-night stay.
Exclusions: Not redeemable/transferable for cash, excludes alcohol, not valid for Venice Simplon-Orient-Express Istanbul journeys.
🏨
Elite-Tier Hotel/Rental Memberships
Hotel
Marriott Bonvoy Gold Elite, Hilton Honors Gold, Radisson Rewards Premium, Taj Epicure Plus, Accor Plus Traveler, Postcard Hotels Sunshine Club, Hertz Gold Plus Rewards.
Separate enrolment required per programme.
🛡️
Air Accident Insurance
Insurance
Primary Cardmember insured for ₹5 crore for death due to air accident.
🛡️
Overseas Medical Insurance
Insurance
Complimentary US$50,000 cover for first 7 days of trip.
Basic Cardmembers only, confirmation required pre-trip, claims settled post-return, max 1 claim/year, max 7 days/trip, max 5 trips/year, hospitalisation min 24 hrs, max age 60, deductible US$100/claim, hospitalisation-only cover.
🔒
Purchase Protection
Purchase Protection
Covers loss/damage to goods bought on the Card within 90 days, from fire, burglary, or natural calamities.
90-day window from purchase; India only.
Exclusions: Electrical/mechanical appliance breakdown, gold, silver, antiques, securities, jewellery, watches, precious stones, coins, curios, sculptures, manuscripts, rare books, plans, models.
🎟️
EazyDiner Prime
Membership
Complimentary membership: 25–50% off at 2,000+ restaurants, 2X Eazy Points on dining, complimentary drink, preferential reservations, 24x7 VIP concierge.
Complimentary for Platinum Cardmembers.
🛎️
Concierge & Global Emergency Assistance
Concierge
24x7 Platinum Concierge, Global Assist (visa assistance, lost baggage), Legal Assistance (lawyer referrals, bail bond advances), Emergency Cash Advance up to US$1,000, Emergency Medical Assistance up to US$8,000, evacuation/repatriation, emergency hotel up to 5 nights at US$200/night.
Medical assistance for trips under 90 days; third-party costs borne by Cardmember.
⛳
Golf Access
Golf
Unlimited access to 30+ Indian and 50+ international golf courses, complimentary Sunday luncheon at DLF Lifestyle Clubs.
Requires online golf profile and booking via Amex Experiences App.
Annual
66,000 (Yr 1); 66,000 (Yr 2 onwards)
₹66,000
Add On Card
4 Supplementary Cards free, then ₹10,000 each.
₹10,000
Cash Advance
India cash withdrawal currently suspended; Overseas limit US$750/14 days
₹250 + 3.5%
Late Payment
Charged if full payment not received by due date; reported "overdue" to CICs after 5 days past due.
₹300 + 3.5%
Salaried
GuidelineEmployed applicants need Personal Annual Income ≥ ₹25,00,000.
₹25,00,000/yr · 18+ yrs
Self-Employed
GuidelineSelf-employed applicants need Personal Annual Income ≥ ₹15,00,000, with company trading for over 12 months.
₹15,00,000/yr · 18+ yrs
City
GuidelineDelhi/NcrMumbaiBangaloreChennaiPuneHyderabadJaipurKolkataIndoreCoimbatoreChandigarh/TricityAhmedabadSuratVadodaraBhopalBhubaneshwarErnakulamVijaywadaLucknowLudhianaNagpurNasikTrivandrumMysuruCuttackVizag.
⏰Limited Time
Cathay Pacific Business Class Offer
Valid until 30 Apr 2027
₹20,000 min discount/passenger, up to ₹1,00,000/booking — Use promo code "PlatAmex" on Cathay Pacific's site, valid till 30 April 2027.
⏰Limited Time
Oberoi Hotels & Resorts
Valid until 31 Mar 2027
Up to 2 complimentary nights, up to 20% off room rates, up to 15% off villas (Egypt/Morocco/Mauritius/Bali/Lombok), domestically 50% off suites + complimentary 3rd night on 2-night booking, 15% off dining in Bengaluru/Gurugram/Mumbai/New Delhi. Valid till 31 March 2027.
⏰Limited Time
Taj Hotels Offers
Valid until 31 Dec 2026
25% off Best Available Rates (Taj/SeleQtions/Gateway/Vivanta), 25% off Suites at select properties, 25% off 4D rate at Ama Stays & Trails, 25% off Qmin orders above ₹1,000. Valid 1 Jan 2026 – 31 Dec 2026
🎟️Voucher
Travel e-Gift Voucher
Check terms for expiry
On booking travel/stays via the Platinum travel helpline.
Good to know
- • No Membership Rewards points are earned on insurance or utility bill payments. Cash withdrawal in India is temporarily suspended. Overseas cash withdrawal is limited to US$750 every 14 days. Card is issued only to residents of specified Indian cities.
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