cards / credit / american express / amex-platinum-credit-card
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§ BENEFITS
Unlimited Lounge Access
Unlimited domestic and international airport lounge access via Priority Pass and Centurion Lounges
Unlimited visits
5X Membership Rewards via Amex Travel
Earn 5X Membership Rewards points on bookings made through American Express Travel portal
5X MR points
1X Membership Rewards on Other Spends
Earn 1 MR point per ₹40 spent on all other purchases
1X MR points
24/7 Global Concierge
Round-the-clock global personal concierge service for travel bookings, reservations, and lifestyle needs
Included
Complimentary Golf Privileges
Complimentary golf rounds at premium golf courses in India
Up to 12 rounds/year
Hotel Elite Status
Complimentary elite status at Marriott Bonvoy, Hilton Honors, and Radisson Rewards
Elite status at 3 chains
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
1% waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹25,00,000
- Min monthly salary
- ₹3,00,000
- Age
- 21 – 65
- Min credit score
- 750
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹60,000
- Annual fee
- ₹60,000
- APR (monthly)
- 3.50% p.m.
- APR (annual)
- 42.00% p.a.
- Late payment fee
- ₹1,500
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Excluding GST
† Excluding GST
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹250
- Other bank free / month
- 0
- Other bank charge
- ₹250
- International withdrawal
- ₹250
- Cash advance fee
- 3.5%
† + 3.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 3.5%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- —
- Physical statement
- ₹100
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹500
- Max txn
- ₹5,000
- Max waiver / cycle
- ₹250
- Networks
- All
§ LIMITS
- ATM / day
- ₹50,000
- POS + e-com / day
- ₹10,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Accidental death cover
- ₹5,00,00,000
- Permanent disability
- ₹5,00,00,000
- Air accident
- ₹5,00,00,000
- Travel insurance
- ₹50,00,000
- Baggage
- ₹2,00,000
- Lost-card liability
- ₹25,00,000
- Purchase protection
- ₹5,00,000
† within 48 h of loss
† 90 days
§ REWARDS
- Programme
- American Express Membership Rewards
- Earn rate
- 1 MR per ₹40 (5X on Amex Travel)
- Point value
- ₹0.5
- Effective cashback
- 1.25%
- Min redemption
- 100 pts
- Expiry
- Points do not expire as long as card is active
§ LOUNGE
- Domestic
- Unlimited
- International
- Unlimited via Priority Pass & Centurion Lounges
- Domestic guests allowed?
- Yes
- International guests allowed?
- Yes
† value ₹2,500 per visit
† value ₹4,000 per visit
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with American Express and earns no commission on applications.