American Express Platinum
Annual Fee
₹60,000
Rewards/₹100 ⓘ
₹1.00 - ₹5.00
Interest Rate
42.00%
Credit Score
750+
At a Glance
Key Benefits
5X on travel, Rs 10Cr air accident cover, 24x7 concierge, Fine Hotels and Resorts benefits
Lounge Access
Unlimited Priority Pass lounges worldwide + Centurion Lounge access
Eligibility
Income: Rs 15L+/year, Age: 21-65 years, CIBIL: 750+, Existing Amex relationship preferred
Quick Details
Reward Structure
All Spends
Travel
American Express Travel Online
Dining
Reward Calculator
Milestone Benefits
Welcome bonus of 60,000 Membership Rewards points on Rs 4 lakhs spend in first 3 months.
value
Annual fee credit on spending Rs 19 lakhs in the membership year.
Spend ₹19,00,000 within 365 days
value
Taj vouchers and lifestyle credits on annual spend milestones.
Spend ₹10,00,000 within 365 days
value
Airport Lounge Access
visits
+ 1 guest visits
Unlimited Priority Pass lounge access worldwide.
visits
+ 1 guest visits
Centurion Lounge access at select international airports.
visits
+ 1 guest visits
Unlimited domestic lounge access via Priority Pass network.
Insurance Coverage
Air Accident
₹10,00,00,000
Rs 10 Cr air accident cover for travel booked using this card.
Travel
₹50,00,000
Comprehensive travel insurance up to Rs 50 lakhs.
Purchase Protection
₹5,00,000
Purchase protection for items bought with the card within 90 days.
Lost Card
₹0
Zero liability on unauthorized transactions when reported within 48 hours.
Emergency Medical
₹50,00,000
Emergency medical cover during international travel.
Lifestyle Perks
Concierge
24x7 Platinum Concierge for travel, dining, entertainment, and lifestyle needs.
Golf
Complimentary golf rounds at premium courses across India.
Spa
12 /year
Complimentary spa treatments at luxury hotels.
Airport Transfer
8 /year
Complimentary airport transfers in major cities.
Dining
20.00% off
20% off at select fine dining restaurants.
Quick Analysis
The American Express American Express Platinum is a premium credit card ideal for frequent travelers and high spenders. Best suited for those who can maximize the premium benefits.
Pros
- Annual fee waiver on spending ₹1900000
- Unlimited international lounge access
- Unlimited domestic lounge access
- Comprehensive insurance coverage up to ₹11 crore
- Complimentary golf privileges
- Spa and wellness benefits
Cons
- High annual fee of ₹60000 may not suit everyone
- Significant joining fee of ₹60000
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
- High income requirement of ₹150K per month
Frequently Asked Questions
What is the annual fee for Amex Platinum card?
How is Amex Platinum different from Platinum Charge?
What lounge access does Amex Platinum offer?
What is the reward earning rate on Amex Platinum?
What insurance benefits does Amex Platinum provide?
User Reviews
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