American Express Platinum Reserve Credit Card
American Express Platinum Reserve Credit Card
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.
Personalized Match by CredHunt • credhunt.com
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.
Joining Fee
₹10000
Annual Fee
₹10000
Rating
5.0/5.0(0 reviews)
Key Features
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.
Rewards Program
Base Rewards
Reward Type
SpiceClub Points
Base Reward Rate
1 Membership Reward Point for every ₹ 50 spent with the card except for spends on fuel, utilities, insurance, cash transactions, and EMI conversion at Point of Sale.
Point Value
Direct cashback to statement
Points Expiry
3 years
Bonus Rewards
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). 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.
Accelerated Rewards
Up to 60 EDGE reward points per ₹200 spent on premium merchants.
Card Benefits
Travel Benefits
8 complimentary visits per year
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.
Dining & Entertainment
Complimentary membership to EazyDiner and a discount of up to 50% at 1,800 premium restaurants across India.
Buy one get one movie ticket offer every month at participating multiplexes.
Lifestyle & Protection
Special offers on Myntra and other fashion portals.
Comprehensive travel insurance covering medical emergencies abroad up to ₹2 crore and domestic accident coverage.
2 complimentary golf games per quarter at select courses.
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 amount 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 | Waived at HPCL fuel stations for transactions up to ₹ 5,000, 1% surcharge on BPCL and IOCL stations and 2.5% surcharge at all other fuel stations. |
| Balance Transfer Charges | As per bank's standard charges |
Additional Charges
Statement & Processing
Duplicate Statement Charges
₹100 per statement
Dynamic Currency Conversion Fee
0.035
EMI Charges
1% of transaction value (minimum ₹99)
Loan Processing Fee
As per bank's standard charges
Outstation Processing Charge
As per bank's standard charges
Additional Fees
Overlimit Fees
2.50% of the overlimit amount
Payment Return Charges
₹250 per Returned Instrument
Railway Ticket Purchase Fee
₹25 or 2.5% of transaction (whichever is higher)
Card Reissue Fee
Not specified
Rent Pay Transactions
₹249 or 1% (whichever is higher)
Rewards Redemption Fee
Nil
Fee Waiver Conditions
Annual fee waived on spending ₹8 lakh in the previous year
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
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.
Expert Opinion
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.
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