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AMERICAN EXPRESS BANKING CORPORATION
American Express Platinum Reserve Credit Card
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Verified Catalog
Source: AMERICAN EXPRESS BANKING CORPORATION Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
11,000 bonus Membership Rewards Points as a welcome gift. 1 Membership Rewards Point for every ₹ 50 spent with the card (except fuel, insurance, utility, EMI conversions). Monthly Flipkart/BookMyShow or other brands vouchers as milestone benefits. Complimentary (limited) visits to domestic airport lounges and a complimentary Priority Pass membership. Complimentary membership of Taj Epicure. 2 complimentary rounds of golf every month at 32 premium golf courses across India. Dining offers with complimentary membership of EazyDiner Prime. 24×7 American Express concierge service. Air accident insurance cover worth ₹ 1 crore.
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
11,000 bonus Membership Rewards Points as a welcome gift.
Highlight 2
1 Membership Rewards Point for every ₹ 50 spent with the card (except fuel, insurance, utility, EMI conversions).
Highlight 3
Monthly Flipkart/BookMyShow or other brands vouchers as milestone benefits.
Highlight 4
Complimentary (limited) visits to domestic airport lounges and a complimentary Priority Pass membership.
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
₹10,000
The front-loaded charge when you apply.
Annual fee
₹10,000
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
₹1,350
SpiceClub Points value at ~₹0.25 per point.
Annual Fee: ₹10,00014% Offset
Earns back 14% 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
"8 complimentary visits per year"
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
"Access to over 1,300 airport lounges across over 130 countries, 24x7 global Platinum Concierge Service, and travel-related insurance benefits, including a life cover of ₹ 5 crores."
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 redeemable for online shopping vouchers, INSTA rewards for offline purchases, transfer to various flight and hotels loyalty programs and for making credit card bill payments under the Cash + Points scheme."
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Pros This card offers complimentary domestic and international lounge access. With this card, you can get up to 50% off on partner restaurants. Cons This card comes with a high annual fee of ₹ 60,000. There isn’t any waiver of the annual fees with this card."
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- APR: 3.5% per month
- Rewards Type: SpiceClub Points
- Welcome Offer: 11,000 bonus Membership Rewards Points as a welcome gift.
- 1 Membership Rewards Point for every ₹ 50 spent with the card (except fuel, insurance, utility, EMI conversions).
Cons
- Complimentary (limited) visits to domestic airport lounges and a complimentary Priority Pass membership.
- Complimentary membership of Taj Epicure.
- 2 complimentary rounds of golf every month at 32 premium golf courses across India.
- Dining offers with complimentary membership of EazyDiner Prime.
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