American Express Platinum Reserve Credit Card - Features, Benefits, Fees & Charges

American Express Platinum Reserve Credit Card (4.3)

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Are you a travel enthusiast looking for a credit card that can help you save while you explore the world? Look no further than the American Express Platinum Reserve Credit Card! This premium credit card has a joining fee of ₹5,000 and an annual fee of ₹10,000. In return, you get a warm welcome with 11,000 reward points, free access to Taj Epicure and EazyDiner membership, free airport lounge access, free access to premium golf courses in India, and much more! Keep reading to know more.

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus

11,000 Membership Reward Points on spending ₹30,000 within 90 days of card membership.

Reward Points
  • 1 Membership Reward Point for every ₹50 spent except for spending on fuel, insurance, utilities, cash transactions and EMI conversion at the point of sale.
  • Reward Rate: 1% to 2%
Entertainment Benefit
  • Gift voucher worth ₹500 on spending ₹25,000 per month on brands like Flipkart, BookMyShow, BigBasket, MakeMyTrip, Myntra, PVR and Shoppers Stop
  • Free golf access twice a month to 32 lush green courses in India
Lounge Access
  • 12 free annual visits (limited to 3 per quarter) to domestic airport lounges across India
  • Access to 1200+ VIP airport lounges in over 120+ countries with a free Priority Pass Membership
Travel Benefit
  • Free Taj Epicure Membership, where you get
    • 20% discount on the best available rate for a room/suite stay at Taj Palaces
    • 20% discount on the best available rate for a room/suite stay at Taj Safaris
  • Taj Stay Voucher worth ₹10,000 when you spend ₹5 lakh in a card membership year and pay the annual fee of ₹10,000 on your card.
Fuel Surcharge

0% convenience fee for HPCL transactions less than ₹5,000,1% fee per transaction is applicable for all HPCL transactions on and above ₹5,000.

Insurance Benefit

Air accident cover for up to ₹1 crore.

Zero Lost Card Liability

If you report any unauthorised use of the credit card within 3 working days of the fraud, the liability to American Express will be nil. If reported beyond 3 working days, the maximum liability will be limited to ₹1000.

Concierge Services

Enjoy 24x7 services for all card-related assistance.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹5,000

Annual Fee

₹10,000

Annual Percentage Rate

42.00%

Add-on Card Fee

₹1,500

Minimum Repayment Amount

5%

Cash Withdrawal Fee

3.5%

Cash Advance Limit

20%

Card Replacement Fee

₹100

Foreign Transaction Fee

3.50%

Over Limit Penalty

₹500

Fuel Transaction Surcharge

1%

Reward Point Value

₹0.50
Late Payment Charges

Any Amount Due

30% of minimum amount due subject to minimum of ₹500 and maximum of ₹1,000
Pros

Aspects that make this credit card amazing.

  1. Free Taj Epicure and EazyDiner membership.
  2. Free shopping and BookMyShow vouchers.
  3. Zero liability on lost cards, free accident insurance, travel insurance, purchase protection, extended warranty, and global assist hotline.
  4. Free golf access twice a month.
Cons

Aspects this credit card lacks.

  1. High annual fee of ₹10,000.
  2. Low reward rate of 1% to 2% compared to other premium cards.
  3. American Express network is not as widely accepted as Visa or Mastercard.
American Express Platinum Reserve Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3.5)

Rewards

(4)

Customer Service

(4)

American Express Platinum Reserve Credit Card Review

The American Express Platinum Reserve Credit Card is a high-end credit card that offers exclusive benefits to its users. It's perfect for those who want to enjoy perks like free stays, vouchers for movies or shopping, access to lounges, golf privileges, free memberships, and much more. This card is particularly suitable for people who frequently shop online or book movie tickets, don't travel daily, and have low fuel requirements. However, it is important to keep in mind that this card has an annual fee of ₹10,000. If you're interested in similar credit cards, there are other options available like:

1- HDFC Bank Infinia Metal Edition Credit Card
2- IndusInd Bank Legend Credit Card
3- SBI Elite Credit Card

Overview

Joining Fee

₹5,000

Annual Fee

₹10,000

Best For

Lifestyle and Travel

Reward Rate

1% to 2%

Welcome Bonus

11,000 Bonus Membership Rewards Points.

Card Network

American Express

Who should apply for an American Express Platinum Reserve Credit Card?

The American Express Platinum Reserve Credit Card is ideal for:

  • Frequent travellers who value airport lounge access, travel insurance, and hotel status.
  • High spenders who can leverage travel, dining, and entertainment benefits.
  • Individuals seeking luxury perks like airport transfers and concierge services.

How to apply for an American Express Platinum Reserve Credit Card?

To apply for American Express Platinum Reserve Credit Card, follow the below steps:

Step 1: Visit select.finology.in and click on the 'Credit Card' tab.

Step 2: Click on Card Issuers, where you will see a list of banks that issue credit cards.

Step 3: Choose American Express Bank from the list.

Step 4: Choose American Express Platinum Reserve Credit Card and click on the 'Apply Now' button.

Step 5: Provide the required consent, and then you will be redirected to a page where you need to fill in your mobile number and PAN card number.

Step 6: Fill in the credit card application form and attach the documents required.

American Express Platinum Reserve Credit Card Eligibility

  • Age: 18 years and above
  • Income: ₹6 lakh per annum for salaried and self-employed
  • Resident: Indian

Documents Required

  • Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
American Express Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

American Express Bank

American Express Bank Credit Card Customer Care Number:

1800 419 5960

American Express Bank Card Offers:

View Offers

Total Cards:

13,46,343
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American Express Platinum Reserve Customer Reviews

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Frequently Asked Questions

Rs10,000 + taxes. Check for welcome gifts and renewal benefits that might offset some cost.
 

Earn 1 Membership Rewards® Point for every Rs.50 spent (excluding fuel, insurance, etc.)
Membership Rewards® Points redemption across travel, dining, shopping, and more.
Pay with Points option for flights.
Monthly vouchers at BookMyShow or Flipkart.

Complimentary Taj Epicure membership and EazyDiner Prime membership.
Exclusive fine dining offers and access to curated experiences.
Golf benefits with complimentary access to select courses.
24/7 Platinum Assist concierge service.

Yes, American Express offers fraud protection features and zero lost card liability if reported promptly.

This depends on your spending habits and lifestyle. If you travel frequently, love fine dining, and enjoy premium benefits, it could be valuable. Consider annual fees vs. potential rewards earned and benefits used.
 

Visit the American Express website, check online reviews, or compare benefits with other premium cards.

Review the terms and conditions for details on late payment fees, foreign transaction fees, and cash advance charges.

Yes, the card is widely accepted abroad with additional benefits like global dining offers and travel assistance.

Minimum annual income of Rs. 6 Lakh+
Good credit history
Indian resident with bank account

Priority Pass membership for airport lounge access.
Complimentary access to Taj Air lounges in India.
Travel insurance cover with purchase protection and emergency assistance.
Fuel convenience fee waiver at HPCL stations.

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