American Express Platinum Card
American Express · Premium · ultra-luxe
Annual / renewal fee
₹66,000 + applicable taxes.
VerifiedAmerican Express India — The Platinum Card page7 Jun 2026, 4:26 PM ISTAmerican Express
Earn rate
1 Membership Rewards point per ₹40 spent.
VerifiedAmerican Express India — The Platinum Card page7 Jun 2026, 4:26 PM ISTAmerican Express
COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at americanexpress.com — if a different card is shown first, use its card selector to pick this one.
COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at americanexpress.com — if a different card is shown first, use its card selector to pick this one.
Overview
Luxury hotel-first travelers
Best for
- Luxury hotel stays.
- Premium status holders.
- International travelers wanting elite benefits.
Official source not yet captured
Not ideal for
- Highest annual fee.
- Amex acceptance gaps in tier-2/3 cities.
Official source not yet captured
Fees
Joining fee
₹66,000 + GST.
Official source not yet captured
Annual / renewal fee
₹66,000 + applicable taxes.
VerifiedAmerican Express India — The Platinum Card page7 Jun 2026, 4:26 PM ISTAmerican Express
Fee waiver
Confirm on the official page
Official source not yet captured
Rewards
1 Membership Rewards point per ₹40 spent.
VerifiedAmerican Express India — The Platinum Card page7 Jun 2026, 4:26 PM IST
Reward cap
Fuel: 5 MR Points for every ₹100 spent, capped at a maximum of 5000 Points every calendar month.
VerifiedAmerican Express Platinum Charge Card (fleet document) — governing document (side-door search)14 Aug 2026, 6:28 AM ISTAmerican Express
Reward exclusion
No Membership Rewards Points on spends at Insurance and Other Utility Services on the American Express Platinum Card.
VerifiedAmerican Express Platinum Charge Card (fleet document) — governing document (side-door search)14 Aug 2026, 6:28 AM ISTAmerican Express
Travel & lounge
Lounge access
- Access to 1400+ lounges across the globe with the Global Lounge Collection.
- The American Express Global Lounge Collection includes The Centurion Lounge, Priority Pass Lounges (International access only), Delta Sky Club Lounges when flying Delta, and Domestic Partner Lounges in India.
VerifiedAmerican Express India — Platinum Card benefits hub14 Aug 2026, 6:28 AM ISTAmerican Express
Travel benefit
- Overseas Medical Insurance: complimentary Overseas Medical Insurance for US$ 50,000 for the first seven days of your trip (Basic Cardmembers only).
- Meet & Greet services at 17 airports pan India.
VerifiedAmerican Express India — Platinum Card benefits hub14 Aug 2026, 6:28 AM ISTAmerican Express
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Welcome gift worth up to INR 60,000 with option to choose from Taj Hotels, Luxe Gift Card, The Postcard Hotels & Resorts (threshold not stated on official source).
VerifiedAmerican Express Platinum Charge Card product page14 Aug 2026, 6:28 AM ISTAmerican Express
Golf
Complimentary golf rounds at premium courses.
Official source not yet captured
Dining
Taj Epicure + ITC Culinaire benefits, 2-for-1 dining.
Official source not yet captured
Insurance
Comprehensive travel insurance, purchase protection, smartphone screen.
Official source not yet captured
Fuel surcharge
Not a primary feature.
Official source not yet captured
Hotel
Marriott Bonvoy Gold Elite status · Hilton Honors Gold status · Taj Epicure / ITC Culinaire memberships · Fine Hotels & Resorts: $100 F&B credit + room upgrade.
Official source not yet captured
Airline
Complimentary domestic companion ticket · Premium airline transfer roster.
Official source not yet captured
Milestones
Annual Taj stay voucher worth ₹45,000+ · Postcard / Oberoi vouchers on spend milestones.
Official source not yet captured
Redemption highlights
1 MR ≈ ₹0.40-₹1+ via transfer · FHR room upgrades + breakfast worth $200+ per stay.
Official source not yet captured
Dining benefit
Complimentary EazyDiner Prime Membership.
VerifiedAmerican Express India — The Platinum Card benefits page8 Jun 2026, 2:26 PM ISTAmerican Express
Insurance
- Air Accident Cover: primary card insured for ₹5,00,00,000.
- Purchase Protection: cover of up to ₹5 Lacs against loss or damage within 90 days due to fire, burglary or natural calamities.
VerifiedAmerican Express India — Platinum Card benefits hub14 Aug 2026, 6:28 AM ISTAmerican Express
Milestone benefit
Renewal Benefit: gift voucher worth ₹35,000 on completing a year and spending over ₹20,00,000.
VerifiedAmerican Express India — Platinum Card benefits hub14 Aug 2026, 6:28 AM ISTAmerican Express
Eligibility
Eligibility
Participation in the Program is open to all Cardmembers residing in India who have an Indian Rupee billed Card which allows enrolment into the Membership Rewards Program and whose Accounts are in good standing.
VerifiedAmerican Express Platinum Charge Card (fleet document) — governing document (side-door search)14 Aug 2026, 6:28 AM ISTAmerican Express
Charges & interest
Forex markup
3.5%.
Official source not yet captured
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the The Platinum Card?
Officially traced: ₹66,000 + applicable taxes.
American Express India — The Platinum Card pageHow does the The Platinum Card earn rewards?
1 Membership Rewards point per ₹40 spent.
American Express India — The Platinum Card pageWhat lounge access does the The Platinum Card include?
Access to 1400+ lounges across the globe with the Global Lounge Collection.
American Express India — Platinum Card benefits hubWhat welcome benefit does the The Platinum Card offer?
Welcome gift worth up to INR 60,000 with option to choose from Taj Hotels, Luxe Gift Card, The Postcard Hotels & Resorts (threshold not stated on official source).
American Express Platinum Charge Card product pageAre there any partnership benefits on the The Platinum Card?
Complimentary EazyDiner Prime membership — up to 50% off across 2,000+ restaurants in India and select international cities.
American Express India — The Platinum Card benefitsWhat are the transfer ratios for The Platinum Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the The Platinum Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Verified 2026-08-14 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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