American Express Centurion Card

The ultimate invitation-only black card

JOIN: ₹2,50,000
ANNUAL: ₹2,50,000
REWARDS: 1.25% to 6.25%
APR: 36.00% p.a.

AMEX Premium Metal VIRTUAL OK

§ ELIGIBILITY

Employment: Salaried / Self-Employed
Min annual income: ₹1,00,00,000
Min monthly salary: ₹5,00,000
Age: 21 – 65
Min credit score: 800
Existing account?: Required
Invitation only?: Yes

§ FEES

Joining fee: ₹2,50,000
Annual fee: ₹2,50,000
APR (monthly): 3.00% p.m.
APR (annual): 36.00% p.a.
Late payment fee: ₹2,500
Over-limit fee: —
Cheque bounce: —
Grace period: 50 days
Min due: 5%

§ 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%

§ TRANSACTIONS

Currency markup: 2.5%
DCC fee: —
Cross-border fee: —
SMS alert / month: —
PIN regen: —
Physical statement: —

§ FUEL

Surcharge waiver: 1%
Min txn: ₹500
Max txn: ₹5,000
Max waiver / cycle: ₹500
Networks: All

§ LIMITS

ATM / day: ₹2,00,000
POS + e-com / day: ₹50,00,000
Contactless / txn: ₹10,000
Contactless / day: ₹1,00,000

§ INSURANCE

Accidental death cover: ₹10,00,00,000
Permanent disability: ₹10,00,00,000
Air accident: ₹10,00,00,000
Travel insurance: ₹1,00,00,000
Baggage: ₹5,00,000
Lost-card liability: ₹50,00,000
Purchase protection: ₹10,00,000

§ 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

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.

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