American Express Platinum Charge Card

9.6
Expert ScoreRead review
  • Welcome gift of gift vouchers worth Rs. 45,000.
  • 1 MR (membership Reward) for every Rs. 40 spent with the card (except fuel, utility, and insurance transactions).
  • Up to 5 Membership Rewards Points for every Rs. 100 spent on fuel.
  • 3X Membership Rewards on spends abroad.
  • 5X Membership Rewards Points on the AmEx’s Rewards Multiplier portal.
  • No preset credit limit.
  • 24×7 global concierge service.
  • Travel-related insurance benefits including personal air-accidental death insurance worth Rs. 5 crores.
  • Up to 50% off at over 1800 premium restaurants in India and a complimentary membership to EazyDiner Prime.
  • Access to over 1,200 airport lounges globally including Centurian Lounges and American Express Lounges.

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American Express Platinum Charge Card

9.6
Expert ScoreRead review
  • Welcome gift of gift vouchers worth Rs. 45,000.
  • 1 MR (membership Reward) for every Rs. 40 spent with the card (except fuel, utility, and insurance transactions).
  • Up to 5 Membership Rewards Points for every Rs. 100 spent on fuel.
  • 3X Membership Rewards on spends abroad.
  • 5X Membership Rewards Points on the AmEx’s Rewards Multiplier portal.
  • No preset credit limit.
  • 24×7 global concierge service.
  • Travel-related insurance benefits including personal air-accidental death insurance worth Rs. 5 crores.
  • Up to 50% off at over 1800 premium restaurants in India and a complimentary membership to EazyDiner Prime.
  • Access to over 1,200 airport lounges globally including Centurian Lounges and American Express Lounges.
Category:
Reward Type
Reward Points
Renewal Fee
Rs. 60,000 + GST
Joining Fee
Rs. 60,000 + GST
Type of Card
Reward
Welcome Benefits
SeleQtions, Taj, and Vivanta Hotels' vouchers worth Rs. 45,000.

USP of Card

  • Welcome gift of gift vouchers worth Rs. 45,000.
  • 1 MR (membership Reward) for every Rs. 40 spent with the card (except fuel, utility, and insurance transactions).
  • Up to 5 Membership Rewards Points for every Rs. 100 spent on fuel.
  • 3X Membership Rewards on spends abroad.
  • 5X Membership Rewards Points on the AmEx’s Rewards Multiplier portal.
  • No preset credit limit.
  • 24×7 global concierge service.
  • Travel-related insurance benefits including personal air-accidental death insurance worth Rs. 5 crores.
  • Up to 50% off at over 1800 premium restaurants in India and a complimentary membership to EazyDiner Prime.
  • Access to over 1,200 airport lounges globally including Centurian Lounges and American Express Lounges.

Fees & Charges

Spend Based Waiver
NA
Interest Rates
3.5% per month
Cash Advance Charges
3.5% of the transaction amount
Rewards Redemption Fee
Nil
Fuel Surcharge
Fuel surcharge is waived at all HPCL fuel stations for purchases up to Rs. 5,000, 1% surcharge applicable on BPCL and IOCL stations and 2.5% surcharge applicable at all other fuel stations.
Foreign Currency Markup
3.5% of the advanced amount subject to a minimum charge of Rs. 250.
Late Payment Fee
-
Add-on Card Fee
Nil

Rewards & Benifit

Movie & Dining offers
Complimentary membership to EazyDiner and a discount of up to 50% at 1,800 premium restaurants across India.
Reward Redemption
Membership Rewards Points can be redeemed against dining, travel, and accessories on AmEx's Membership Rewards Redemption portal.
Zero Liability Protection
Cardholders will not be considered liable for any fraudulent transaction if loss of card is reported within 72 hours. Maximum liability of up to Rs. 1,000 on reporting after 3 days.
Rewards Rate
1 MR on every Rs. 40, 3X Rewards on all international spends, and 5X Rewards Points on transactions via the AmEx Reward Multiplier portal.
Travel
Access to over 1,200 airport lounges across over 130 countries, 24x7 global Platinum Concierge Service, travel-related insurance benefits including a life cover of Rs. 5 crores.
Online Shopping offers
NA
Insurance Benefits
Personal air accident coverage worth Rs. 5 crore, cover of Rs. 50,000 for loss of check-in Baggage/ passport/ document, overseas medical insurance of USD 50,000 for the first 7 days of the trip.
Domestic Lounge Access
Unlimited Free Airport Lounge Access
International Lounge Access
Access to over 1,200 Airport Lounges globally including American Express Lounges, Priority Pass Lounges and Delta Lounges.
9.6Expert Score
  • Welcome gift of gift vouchers worth Rs. 45,000.
  • 1 MR (membership Reward) for every Rs. 40 spent with the card (except fuel, utility, and insurance transactions).
  • Up to 5 Membership Rewards Points for every Rs. 100 spent on fuel.
  • 3X Membership Rewards on spends abroad.
  • 5X Membership Rewards Points on the AmEx’s Rewards Multiplier portal.
  • No preset credit limit.
  • 24×7 global concierge service.
  • Travel-related insurance benefits including personal air-accidental death insurance worth Rs. 5 crores.
  • Up to 50% off at over 1800 premium restaurants in India and a complimentary membership to EazyDiner Prime.
  • Access to over 1,200 airport lounges globally including Centurian Lounges and American Express Lounges.
Best values score
9.6
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 Rs. 60,000.
  • There isn’t any waiver of the annual fees with this card.
9.6Expert Score
  • Welcome gift of gift vouchers worth Rs. 45,000.
  • 1 MR (membership Reward) for every Rs. 40 spent with the card (except fuel, utility, and insurance transactions).
  • Up to 5 Membership Rewards Points for every Rs. 100 spent on fuel.
  • 3X Membership Rewards on spends abroad.
  • 5X Membership Rewards Points on the AmEx’s Rewards Multiplier portal.
  • No preset credit limit.
  • 24×7 global concierge service.
  • Travel-related insurance benefits including personal air-accidental death insurance worth Rs. 5 crores.
  • Up to 50% off at over 1800 premium restaurants in India and a complimentary membership to EazyDiner Prime.
  • Access to over 1,200 airport lounges globally including Centurian Lounges and American Express Lounges.
Best values score
9.6
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 Rs. 60,000.
  • There isn’t any waiver of the annual fees with this card.

Specification: American Express Platinum Charge Card

Bank Name

American Express

Type of Credit Card

Joining Fees

Renewal fees

Best Suited for

Reward Type

Welcome Benifits

Movie & Dining Offers

Travel Offers

online shopping offers

Reward redemption

Reward Rate

Domestic Lounge Access

International lounge access

Insurance Benifits

Zero liability protection

Spend based waiver

Reward redemption charges

Foreign currency markup Charges

Interest Charges

Fuel Surcharges

Cash advance charges

Interest Free credit periods

Add on card fee

ELIGIBILITY CRITERIA

Late Payment Fee

Partner Discounts

Reward offer savings

USP of Card

BestValue Score

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American Express Platinum Charge Card
American Express Platinum Charge Card

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