American Express Platinum Card

Annual fee

₹66,000 + GST

Joining fee

₹66,000 to join.

Add-on card fee

Up to four Supplementary Cards at no extra cost; ₹10,000 for each Supplementary Card thereon

Welcome benefit

Welcome gift on net spends of ₹50,000 in first 2 months of Cardmembership and payment of annual fee, with option to choose vouchers from catalogue.

Reward rate

1 Membership Reward point per ₹40 · everyday spends1 Membership Reward points for every ₹40 spent with your Card.

Online earning

Earn 5X Membership Rewards on e-Vouchers from 200+ leading brands with ShopWise

Reward earning on international spends

3X Membership Reward points on everything, every time you spend abroad.

Catalogue redemptionRedeeming points for travel

Redeem points for over 500 options across travel, dining, accessories and more.

Point expiry

Points never expire

International lounge access

Access to 1,550+ airport lounges in over 500 airports around the world with the American Express Global Lounge Collection.

Domestic lounge access

Global Lounge Collection includes access to Domestic Partner Lounges in India

Priority Pass

Global Lounge Collection includes access to Priority Pass™ Lounges

Hotel or travel programme

50% off on Suites at Oberoi Hotels and Resorts.

Dining programme

Up to 50% off at over 1800 premium restaurants in India with complimentary EazyDiner Prime membership; preferential reservations and 24X7 VIP helpline

Concierge

Our team is there to put it all together for you 24X7.

Renewal benefit

Vouchers upto ₹35,000 as renewal benefit on spends on ₹20 Lakhs in membership year and payment of renewal fee

Membership tiers and what unlocks them

Marriott Bonvoy Gold Elite Status; Hilton Honors Gold Status; Radisson Rewards Premium Status; Hertz Gold Plus Rewards; The Postcard Sunshine Club Platinum Tier; Accor Plus Traveler Membership.

Membership tiers and what unlocks them

Your American Express Platinum Card fast-tracks you to the higher tiers of leading hotel loyalty programs around the world, without having to fulfil the usual qualifying criteria.

Movie or entertainment ticket benefit

Access to pre-sale tickets and some of the best seats in the house for concerts, Fashion Weeks, Grammy Awards, Wimbledon and more.

Minimum spend rules

Net spends of ₹50,000 in first 2 months of Cardmembership, with payment of annual fee, for the welcome gift.

Fuel surcharge waiver

Surcharge on Fuel Purchase: 0% for HPCL transaction less than ₹5,000.

Surcharge on railway tickets

1.8% per transaction subject to a minimum of ₹10 if booked through internet (IRCTC)

Air accident cover

₹5 Cr coverage for death due to air accident if air ticket is bought on the Platinum Card.

Lost card liability

Liability for unauthorized use before you notify American Express is limited to ₹1,000, if you acted in good faith.

Medical and hospitalisation cover

Only hospitalisation cover, for a minimum of 24 hours of hospitalisation; deductible of US $ 100 per claim; pre existing injuries/illness excluded

Purchase protection

Purchase Protection is one of the protection benefits.

Travel insurance

Complimentary Overseas Medical Insurance for US $ 50,000 for the first seven days of your trip.

Add-on card eligibility

Supplementary card applicant is a Resident Indian as defined under the Income Tax Act of India

Forex markup

3.5% on foreign currency transactions.

Cash advance fee

3.5% of the cash advance amount, subject to a minimum of ₹250

Cash advance interest

There are no Interest Charges applicable for Charge Card (s)

Cash withdrawal limit

US $750 every 14 days for cash withdrawal overseas.

Interest on unpaid balance

There are no Finance Charges applicable.

Late payment fee

5% on the outstanding balance subject to a minimum of ₹300

Payment return or dishonour fee

₹250 per returned instrument for Consumer Cards.

Statement or duplicate statement fee

₹100 per statement for statements older than 3 months.

Fuel transaction fee

1% of the transaction value subject to a minimum of ₹10 at BPCL and IOCL fuel stations; 2.5% at fuel stations of all other Oil Marketing Companies

GST note

Charges are exclusive of the GST or any other taxes as applicable

Address the applicant must have

Current residential address in India.

Age the primary cardholder must be

Must be over 18 years of age.

Bank account the applicant must hold

Indian or multinational bank’s savings or current account in India.

Credit history the applicant must have

Good credit history and no payment defaults.

Income requirement

Employed and have a Personal Annual Income of ₹25 lakhs and above.

Income, salaried

Employed with a Personal Annual Income of ₹25 lakhs and above.

Income, self-employed

Personal Annual Income of ₹15 lakhs and above (Self Employed)

Minimum age

Over 18 years of age.

Residency

Resident Indian as defined under the Income Tax Act of India