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American Express Credit Card /

American Express® Platinum Card

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American Express

American Express® Platinum Card

Travel

Premium

Shopping

4.0/5.0

Paisabazaar Review

1^st Year Fee: ₹66,000* Plus Applicable Taxes

Lounge Access

Unlimited lounge access worldwide

Travel

Memberships of 5+ premium hotels

Golf

Unlimited golf games & lessons

Updated on November 26, 2025 12:00 pm

Author: Shruti Sharma

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About The Card Hotel & Travel Benefits Other Features & Benefits Fees & Charges Things to Know Card Review FAQs

About American Express® Platinum Card

American Express® Platinum Card is a super-premium charge card with no pre-set credit limit. This credit card is an excellent option for those who frequently travel to international destinations. Travellers can save a significant amount on their hotel stays in the form of complimentary memberships to the Elite Tier of global luxury hotel chains such as Taj Epicure Plus, Hilton Honors Elite Gold, Marriott Bonvoy Gold Elite and Radisson Rewards Premium. Each of these loyalty programs entitle the user to discounts, complimentary room upgrades and several other benefits.

Apart from hotel benefits, American Express® Platinum Card users can also avail exclusive discount on international flights like Qatar Airways, Air France, Virgin Atlantic, KLM, etc.

Hotel & Travel Benefits

Avail complimentary benefits worth Rs. 44,300 at some of the finest hotels and resorts worldwide including the Four Seasons Hotels and Resorts, Mandarin Oriental, The Ritz-Carlton and more. Enjoy privileges like:

Room upgrades at check-in
Daily breakfast for two
Guaranteed 4pm late checkout
Access to free Wi-Fi
Complimentary credit worth US $100 to use against eligible charges

Additionally, cardholders can also avail below mentioned benefits under the Domestic Lodging Programme:

25% off at Taj, SeleQtions and Vivanta Hotels
50% off on Suites at Oberoi Hotels and Resorts
Third night free on booking a minimum of 2 nights at select Lalit Properties in India

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Among all other premium cards in India, American Express® Platinum Card possibly provides the best hotel benefits. Users can avail hotel benefits in two ways- 1) complimentary memberships to multiple hotel’s elite tier program, and 2) direct discount at select domestic chains. While most premium cards offer base membership to hotel programs, this card stands out by offering Elite Tier membership. Also, most premium credit cards offer unlimited domestic and international lounge visits but they are associated with one of the leading lounges like Priority Pass or Dreamfolks. However, American Express® Platinum Card offers lounge benefits with multiple lounge programs including Priority Pass, The Centurion, Escape Lounges, Delta Sky Club Lounges and other domestic partner lounges. Since the benefit is not limited to one lounge partner, this feature can be quite valuable for users who frequently travel overseas.

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Other Features & Benefits

Welcome & Renewal Benefits

Vouchers worth up to Rs. 60,000 on spending Rs. 50,000 in first two months of card membership and on payment of annual fee. Cardholders can choose from the below options:
- Option 1: Taj Hotels & Palaces worth Rs. 50,000
- Option 2: Reliance Brand (Luxe Gift Cards) worth Rs. 35,000
- Option 3: Postcard Hotels & Resorts worth Rs. 60,000
Complimentary Times Ace Membership, allowing cardholders to access 40+ OTT and publications including Disney+ Hotstar, Amazon Prime Lite and more
Vouchers worth up to Rs. 35,000 from Taj Hotels, Reliance Brands Limited (Luxe Gift Card), Postcard Hotels & Resorts on spending Rs. 20 Lakh in a year

Golf Benefits

The golf benefit on American Express® Platinum Card is possibly the best among all credit cards. You get unlimited complimentary games and lessons at 30+ golf courses in India and 50+ golf courses worldwide. These include some of the finest golf courses of India such as:

Jaypee Greens Golf Club, Greater Noida
Prestige Golfshire Club, Bengaluru
Kalhaar Blues & Greens Golf Club, Ahmedabad
Golden Greens Golf Club, Gurugram
Golden Swan Golf Academy, Mumbai
AKDR Village, Chennai

The terms and conditions vary as per the rules laid down by the golf courses. However, some common rules that apply to most of the golf courses are mentioned below:

1. For Weekdays, you will have to make a booking 4 days in advance for domestic golf courses and 15 days in advance for international golf courses
2. For weekends, you will have to make a booking 10 days in advance for domestic golf courses and 15 days in advance for international golf courses
3. Only green fee is complimentary. The fee for caddy, cart fee or any other charges will be borne by the customer.
4. A cardholder can hold only one confirmed slot per card account at any point of time
5. The card only waives off the green fee; it should not be regarded as a golf club membership

Rewards Program

1 Membership Reward Point for every Rs. 40 spent³
3X Membership Reward Points on all international spends
5X Membership Reward Points on spends at popular brands like Myntra, Apple, Dyson, MakeMyTrip and more through Reward Multiplier
20X Membership Reward points on spends at luxury brands through Rewards Xcelerator
5 Membership Reward points per Rs. 100 spent on fuel
Pay with points or redeem from 500+ options on the Reward Redemption Portal

Membership Reward Points Redemption

Cardholders can redeem Membership Reward Points against products, vouchers or travel bookings through American Express’ Rewards Catalogue at a value of 1 MR Point = Rs. 0.25. Besides this, cardholders can also transfer Membership Reward Point into airlines and hotel loyalty programs as per the below details:

Asia Miles, British Airways, Emirates, Etihad Guest, Qatar Privilege Club, Singapore Airlines, Virgin Atlantic Flying Club: 2:1
Marriott Bonvoy: 1:1
Hilton Honors: 1,000 Points = 900 Hilton Honors Points

Other lifestyle benefits

Access to pre-sale tickets of VIP-only events and experiences, such as house for concerts, fashion weeks, Grammy awards, etc.
Up to 50% off at premium restaurants with complimentary EazyDiner Prime Membership along with other benefits, including complimentary drink, preferential reservations & 24×7 VIP helpline
Up to 25% discount on total bill at 40+ partner restaurants
Buy 1 Get 1 Offer on PVR INOX movie tickets, capped at Rs. 500 per month on the second ticket, along with complimentary food & beverage voucher
24×7 concierge services for last minute reservations, assistance regarding visa and much more
Travel insurance of up to Rs. 5 Crore as per the below details:
- Air accident cover: Rs. 5 Crore
- Overseas medical insurance: US $50,000
- Protection against loss or damage of goods within 90 days of purchase

American Express® Platinum Card: Fees & Charges

Fee Type	Amount
Annual Fee	Rs. 66,000 + Applicable Taxes
Cash Advance Fee	3.5% of the cash advance amount (Min. Rs. 250)
Forex Markup Fee	3.5%
Delinquency Fee (in case of overdue account balance)	5% of the unpaid balance, subject to a minimum of Rs. 300, in the next billing statement until the full payment is received

Things to Know Before you apply

Consider this card if:

You often stay at 5-star properties and would like to save on this expense

You can easily utilize the airline and hotel benefits several times in a year to compensate the high annual fee

You are a high-spender and would prefer a charge card with no pre-set credit limit

Eligibility Criteria:

Minimum Age Requirement: 18 years

Occupation: Salaried or Self-employed

Minimum Income: Rs. 25 LPA for Salaried & Rs. 15 LPA for Self-employed

Paisabazaar Review

Overall Rating

4.0_/5

Travel5.0_/5

Rewards3.5_/5

Lifestyle Benefits4.0_/5

What do we like about this card?

Though American Express® Platinum Card charges a very high annual fee of Rs. 66,000 (plus applicable taxes), users who smartly use the card and make the most of its benefits can derive much better value than what they pay. Interestingly, it is one of the few cards that provide better savings through the additional features than its rewards program. Since this is a charge card, it does not come with a pre-set credit limit, offering a higher purchasing power to the users.

Pros

Complimentary memberships to over 5 premium hotel loyalty programs
Unlimited access to multiple lounge access programs
Exclusive discounts and offers on leading airlines
Unlimited complimentary golf games and lessons
Flexible spending with no pre-set credit limit on the charge card

Cons

Very high annual fee of Rs. 66,000 plus applicable taxes
High forex markup fee of 3.5%
Low reward rate of 1 point per Rs. 40 spent

Conclusion

American Express® Platinum Card is a super-premium charge card with no pre-set credit limit. The card offers complimentary membership to multiple hotel loyalty programs, including Taj Group, Hilton, Marriott, Radisson, and more. Users also get complimentary access to airport lounges globally, complimentary golf games and lessons at premium golf courses, invitations to VIP-only events and experiences, and the benefits of Platinum Concierge service. Despite having a low reward rate, American Express® Platinum Card truly stands out due to its multiple redemption options, premium travel, and lifestyle benefits.

Frequently Asked Questions

Everything you need to know about this credit card

What is the eligibility criteria for the American Express Platinum Card?

American Express Platinum Card is a super premium credit card designed for high-net-worth individuals. To qualify for this card, you must be at least 18 years old. For salaried individuals, the minimum income requirement is Rs. 25 LPA, while for self-employed individuals, it is Rs. 15 LPA.

What is the credit limit of American Express Platinum Card in India?

American Express Platinum charge card has no preset credit limit. The spending capacity is determined by American Express based on your credit profile, income, spending history and more

How can I apply for American Express Platinum Card?

To apply for American Express Platinum Card, visit the official website of American Express. Before applying, ensure that you meet the eligibility criteria. Once confirmed, fill out the application form and submit the required documents to proceed with the online application process.

Is American Express Platinum Card good for travel?

Yes, American Express Platinum Card is highly suited for frequent travellers. It offers premium travel benefits like complimentary lounge access worldwide, travel insurance, premium hotel memberships, exclusive deals at partner airlines, and more. Additionally, cardholders can avail exclusive concierge services and luxury travel perks.

What is the forex markup fee charged on American Express Platinum Card?

American Express Platinum Card charges a forex markup fee of 3.5% on international transactions. This fee applies when you use the card for purchases in foreign currency, including online transactions from overseas merchants.

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Footnotes

Complimentary guest visits to Centurion Lounges in Delhi and Mumbai have been discontinued.
Meet and greet services are valid till 31 December 2025.
Insurance and Utility spends are not eligible for earning Membership Reward Points.

Click here to know More Terms and Conditions

Shruti Sharma

Content Writer

Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.

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