American Express Platinum Charge Card
American Express Platinum Charge Card
Welcome gift of gift vouchers worth ₹ 45,000.
1 MR (membership Reward) for every ₹ 40 spent with the card (except fuel, utility, and insurance transactions).
Up to 5 Membership Rewards Points for every ₹ 100 spent on fuel.
Personalized Match by CredHunt • credhunt.com
Welcome gift of gift vouchers worth ₹ 45,000. 1 MR (membership Reward) for every ₹ 40 spent with the card (except fuel, utility, and insurance transactions). Up to 5 Membership Rewards Points for every ₹ 100 spent on fuel. 3X Membership Rewards on spends abroad. 5X Membership Rewards Points on the AmEx's Rewards Multiplier portal. No preset credit limit. 24×7 global concierge service. Travel-related insurance benefits including personal air-accidental death insurance worth ₹ 5 crores. Up to 50% off at over 1800 premium restaurants in India and a complimentary membership to EazyDiner Prime. Access to over 1,200 airport lounges globally including Centurian Lounges and American Express Lounges.
Joining Fee
₹60000
Annual Fee
₹60000
Rating
5.0/5.0(0 reviews)
Key Features
Welcome gift of gift vouchers worth ₹ 45,000.
1 MR (membership Reward) for every ₹ 40 spent with the card (except fuel, utility, and insurance transactions).
Up to 5 Membership Rewards Points for every ₹ 100 spent on fuel.
3X Membership Rewards on spends abroad.
5X Membership Rewards Points on the AmEx's Rewards Multiplier portal.
No preset credit limit.
24×7 global concierge service.
Travel-related insurance benefits including personal air-accidental death insurance worth ₹ 5 crores.
Up to 50% off at over 1800 premium restaurants in India and a complimentary membership to EazyDiner Prime.
Access to over 1,200 airport lounges globally including Centurian Lounges and American Express Lounges.
Rewards Program
Base Rewards
Reward Type
Award Miles
Base Reward Rate
1 MR on every ₹ 40
Point Value
1 EDGE Point = ₹0.25
Points Expiry
2 years
Bonus Rewards
Welcome Offer
Welcome gift of gift vouchers worth ₹ 45,000. 1 MR (membership Reward) for every ₹ 40 spent with the card (except fuel, utility, and insurance transactions). Up to 5 Membership Rewards Points for every ₹ 100 spent on fuel. 3X Membership Rewards on spends abroad. 5X Membership Rewards Points on the AmEx’s Rewards Multiplier portal. No preset credit limit. 24×7 global concierge service. Travel-related insurance benefits including personal air-accidental death insurance worth ₹ 5 crores. Up to 50% off at over 1800 premium restaurants in India and a complimentary membership to EazyDiner Prime. Access to over 1,200 airport lounges globally including Centurian Lounges and American Express Lounges.
Accelerated Rewards
2.5X EDGE Miles on travel spends. 2X EDGE Miles on international transactions.
Card Benefits
Travel Benefits
4 complimentary visits per quarter
Unlimited Priority Pass lounge access worldwide for primary and add-on cardholders. Complimentary airport transfers and meet & assist services.
Dining & Entertainment
Complimentary membership to EazyDiner Prime with up to 25% discount at premier restaurants. 1+1 dining benefits with Gourmet Passport membership.
Discounts on BookMyShow and other entertainment platforms.
Lifestyle & Protection
5% cashback on fashion purchases on Flipkart and Myntra.
Travel insurance up to ₹1 crore including medical coverage and trip cancellation.
6 complimentary rounds/year
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | 1500 |
| Foreign Currency Markup | 3.5% of the transaction amount |
| Cash Advance Fee | 3.5% of the advanced amount subject to a minimum charge of ₹ 250. |
| APR | 3.5% per month |
| Late Payment Fee | Nil for balances up to ₹100; ₹100 for balances from ₹101-₹500; ₹500 for balances from ₹501-₹1000; ₹750 for balances above ₹1000 |
| Fuel Surcharge | Fuel surcharge is waived at all HPCL fuel stations for purchases up to ₹ 5,000, 1% surcharge applicable on BPCL and IOCL stations and 2.5% surcharge applicable at all other fuel stations. |
| Balance Transfer Charges | 1.99% of transferred amount (min ₹149) |
Additional Charges
Statement & Processing
Duplicate Statement Charges
₹100 per statement
Dynamic Currency Conversion Fee
0.035
EMI Charges
1% of the transaction value (Minimum ₹99)
Loan Processing Fee
1% of loan amount (min ₹250)
Outstation Processing Charge
₹100 per cheque
Additional Fees
Overlimit Fees
2.5% of the over-limit amount (minimum ₹550)
Payment Return Charges
₹250 per Returned Instrument
Railway Ticket Purchase Fee
As applicable
Card Reissue Fee
₹100 as per standard HDFC rates
Rent Pay Transactions
Not applicable
Rewards Redemption Fee
Nil
Fee Waiver Conditions
Annual fee waived on spending ₹5 lakh in the previous year
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
Membership Rewards Points can be redeemed against dining, travel, and accessories on AmEx's Membership Rewards Redemption portal.
Expert Opinion
Pros Membership Reward Points do not expire. There are no reward points earned on transactions made for fuel and utilities. Cons This card is exclusively available to residents of specific cities (Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodara, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum and Mysuru).
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