American Express Platinum Reserve Credit Card

9.2

Expert ScoreRead review

11,000 bonus Membership Rewards Points as a welcome gift.
1 Membership Rewards Point for every Rs. 50 spent with the card (except fuel, insurance, utility, EMI conversions).
Monthly Flipkart/BookMyShow or other brands vouchers as milestone benefits.
Complimentary (limited) visits to domestic airport lounges and a complimentary Priority Pass membership.
Complimentary membership of Taj Epicure.
2 complimentary rounds of golf every month at 32 premium golf courses across India.
Dining offers with complimentary membership of EazyDiner Prime.
24×7 American Express concierge service.
Air accident insurance cover worth Rs. 1 crore.

American Express

Category: Credit Cards

Reward Type

Reward Points

Renewal Fee

Rs. 10,000 + GST

Joining Fee

Rs. 5,000 + GST

Type of Card

Reward

Welcome Benefits

11,000 bonus Membership Rewards Points on a minimum expenditure of Rs. 30,000 within 90 days of card issuance.

USP of Card

11,000 bonus Membership Rewards Points as a welcome gift.
1 Membership Rewards Point for every Rs. 50 spent with the card (except fuel, insurance, utility, EMI conversions).
Monthly Flipkart/BookMyShow or other brands vouchers as milestone benefits.
Complimentary (limited) visits to domestic airport lounges and a complimentary Priority Pass membership.
Complimentary membership of Taj Epicure.
2 complimentary rounds of golf every month at 32 premium golf courses across India.
Dining offers with complimentary membership of EazyDiner Prime.
24×7 American Express concierge service.
Air accident insurance cover worth Rs. 1 crore.

Fees & Charges

Spend Based Waiver

Interest Rates

3.5% per month

Cash Advance Charges

3.5% of the transaction amount

Rewards Redemption Fee

Nil

Fuel Surcharge

Waived at HPCL fuel stations for transactions up to Rs. 5,000, 1% surcharge on BPCL and IOCL stations and 2.5% surcharge at all other fuel stations.

Foreign Currency Markup

3.5% of the advanced amount, subject to a minimum amount of Rs. 250.

Late Payment Fee

Add-on Card Fee

Nil

Rewards & Benifit

Movie & Dining offers

Reward Redemption

Membership Rewards Points redeemable for online shopping vouchers, INSTA rewards for offline purchases, transfer to various flight and hotels loyalty program

Zero Liability Protection

No liability on cardholder for fraudulent use provided the loss of card is reported within 3 days. Liability limited to Rs. 1000 if loss of card reported after 3 days.

Rewards Rate

1 Membership Reward Point for every Rs. 50 spent with the card except for spends on fuel, utilities, insurance, cash transactions, and EMI conversion at Point of Sale.

Travel

Online Shopping offers

Insurance Benefits

Air accident cover worth Rs. 1 crore, purchase protection against loss, damage, or burglary of any item purchased using the card

Domestic Lounge Access

12 complimentary domestic lounge visits (limited to 3 per quarter)

International Lounge Access

Complimentary Priority Pass membership. USD 32 / person / visit chargable.

9.2Expert Score

11,000 bonus Membership Rewards Points as a welcome gift.
1 Membership Rewards Point for every Rs. 50 spent with the card (except fuel, insurance, utility, EMI conversions).
Monthly Flipkart/BookMyShow or other brands vouchers as milestone benefits.
Complimentary (limited) visits to domestic airport lounges and a complimentary Priority Pass membership.
Complimentary membership of Taj Epicure.
2 complimentary rounds of golf every month at 32 premium golf courses across India.
Dining offers with complimentary membership of EazyDiner Prime.
24×7 American Express concierge service.
Air accident insurance cover worth Rs. 1 crore.

Best values score

9.2

PROS

For frequent flyers, this card offers 12 domestic lounge visits and a Priority Pass membership.
You would get 11,000 Membership Reward Points on the realisation of card joining fees.

CONS

Although the joining fee is Rs. 5,000, the annual fees chargeable from the second year is Rs. 10,000.
There is no complimentary international lounge access (with Priority Pass Membership, you can access them at discounted rates).

9.2Expert Score

11,000 bonus Membership Rewards Points as a welcome gift.
1 Membership Rewards Point for every Rs. 50 spent with the card (except fuel, insurance, utility, EMI conversions).
Monthly Flipkart/BookMyShow or other brands vouchers as milestone benefits.
Complimentary (limited) visits to domestic airport lounges and a complimentary Priority Pass membership.
Complimentary membership of Taj Epicure.
2 complimentary rounds of golf every month at 32 premium golf courses across India.
Dining offers with complimentary membership of EazyDiner Prime.
24×7 American Express concierge service.
Air accident insurance cover worth Rs. 1 crore.

Best values score

9.2

PROS

For frequent flyers, this card offers 12 domestic lounge visits and a Priority Pass membership.
You would get 11,000 Membership Reward Points on the realisation of card joining fees.

CONS

Although the joining fee is Rs. 5,000, the annual fees chargeable from the second year is Rs. 10,000.
There is no complimentary international lounge access (with Priority Pass Membership, you can access them at discounted rates).

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American Express Platinum Reserve Credit Card