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American Express Centurion

American Express
|
Lounge Access Premium Travel

Annual Fee

₹2,50,000

Rewards/₹100 ⓘ

₹2.00

Normalized to balance base rate with bonus categories

Interest Rate

0.00%

Credit Score

800+

At a Glance

Key Benefits

0% forex, personal concierge, luxury hotel upgrades, ultra-exclusive experiences

Lounge Access

Unlimited Priority Pass + Amex lounges worldwide with guests

Eligibility

Invite only for Ultra HNIs, Rs 50L+ annual Amex spend recommended

Quick Details

Annual Fee
₹2,50,000 #306
Joining Fee
₹8,00,000 #307
Interest Rate
0.00% p.a. #1
Forex Markup
0.00% #1
Rewards/₹100
₹2.00 #143
Reward Type Reward Points
Reward Currency Points
International Lounge Visits
Unlimited #1
Min Credit Score
800+ #273
Min Monthly Income ₹NaN
Network AMEX

Reward Structure

Base

All Spends

₹2.00 /₹100

Reward Calculator

₹
Allocate by Category 100%
Other Spends
2.0 pts
100% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Airport Lounge Access

Priority Pass Free
Unlimited

visits

+ 999 guest visits

Unlimited Priority Pass access with unlimited guests.

International Free
Unlimited

visits

+ 999 guest visits

Unlimited Amex lounge access worldwide.

Insurance Coverage

Lost Card

₹0

Zero liability for unauthorized transactions.

Fraud

₹0

Zero liability for fraudulent transactions.

Air Accident

₹10,00,00,000

Rs 10 Crore air accident cover.

Travel

₹5,00,00,000

Comprehensive travel insurance up to Rs 5 Crore.

Purchase Protection

₹10,00,000

Purchase protection up to Rs 10 Lakh.

Lifestyle Perks

Concierge

24x7 dedicated personal concierge for all lifestyle needs.

Golf

Unlimited access to premium golf courses worldwide.

Spa

Complimentary spa treatments at luxury wellness centers.

Airport Transfer

Complimentary luxury airport transfers worldwide.

Quick Analysis

The American Express American Express Centurion is a premium credit card ideal for frequent travelers and high spenders. Best suited for those who can maximize the premium benefits.

Pros

  • Unlimited international lounge access
  • Comprehensive insurance coverage up to ₹15 crore
  • Complimentary golf privileges
  • Spa and wellness benefits
  • 24x7 dedicated concierge service
  • Extended interest-free period of 52 days

Cons

  • High annual fee of ₹250000 may not suit everyone
  • Significant joining fee of ₹800000
  • High income requirement of ₹1000K per month
  • Invite-only card - not available for direct application

Frequently Asked Questions

How do I get the Amex Centurion Black Card?
The Amex Centurion is strictly invite-only. Amex typically invites customers who spend Rs 50 lakhs or more annually on their Platinum cards. You cannot apply directly for this card.
What are the fees for Amex Centurion in India?
The Amex Centurion has a joining fee of Rs 8 Lakhs (one-time) plus an annual fee of Rs 2.5 Lakhs. These fees are non-negotiable and non-waivable.
What makes Amex Centurion worth the high fees?
The Centurion offers unparalleled benefits: dedicated relationship manager, 0% forex markup, unlimited global lounge access, automatic hotel elite status, private jet access, and exclusive experiences not available to any other card.
Does Amex Centurion have a credit limit?
The Centurion is a charge card with no preset spending limit. Your spending power adjusts based on your financial profile, purchase patterns, and relationship with Amex.
What is the annual spend required to keep Amex Centurion?
While Amex does not disclose specific requirements, most Centurion holders spend Rs 50 Lakhs or more annually. Underutilization may result in non-renewal.

User Reviews

Our Rating

3.5
APPLY NOW

on American Express's website

Rating Breakdown

Rewards
3.2/5 Top 63%
Benefits
5.0/5 Top 18%
Fees
2.3/5 Top 100%
Value for Money
4.0/5 Top 15%
User Reviews
3.0/5 Top 50%

Important Links

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