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AMERICAN EXPRESS BANKING CORPORATION
American Express Platinum Charge Card
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Verified Catalog
Source: AMERICAN EXPRESS BANKING CORPORATION Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
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.
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Welcome gift of gift vouchers worth ₹ 45,000.
Highlight 2
1 MR (membership Reward) for every ₹ 40 spent with the card (except fuel, utility, and insurance transactions).
Highlight 3
Up to 5 Membership Rewards Points for every ₹ 100 spent on fuel.
Highlight 4
3X Membership Rewards on spends abroad.
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹60,000
The front-loaded charge when you apply.
Annual fee
₹60,000
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Award Miles value at ~₹1 per point.
Annual Fee: ₹60,0009% Offset
Earns back 9% of your renewal fee.
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"4 complimentary visits per quarter"
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
"Unlimited Priority Pass lounge access worldwide for primary and add-on cardholders. Complimentary airport transfers and meet & assist services."
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Membership Rewards Points can be redeemed against dining, travel, and accessories on AmEx's Membership Rewards Redemption portal."
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"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)."
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- APR: 3.5% per month
- Rewards Type: Award Miles
- 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).
Cons
- No preset credit limit.
- 24×7 global concierge service.
- Up to 50% off at over 1800 premium restaurants in India and a complimentary membership to EazyDiner Prime.
- Base Rate: 1 MR on every ₹ 40
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