American Express Platinum Credit Card

AMEX Platinum Credit Card
AMEX Platinum Credit Card

Card Details

  • Earn 1 Membership Rewards Point for every Rs.40 spent except for spending at Fuel, Utilities, Insurance, and Cash Transactions. Additionally, the Points earned on Supplementary Card spending are also credited to your Account.
  • Earn up to 20 Bonus Membership Rewards Points for every Rs. 100 charged to your Card at our EXTRA Membership Rewards Program Partners.
  • Enjoy Platinum Travel Services to assist you with all your travel needs. Just decide the destination and leave everything to American Express, from tickets aboard the best airlines to hotel reservations, sightseeing guides, and more.
  • Get started with Platinum Elite Tier Memberships and enjoy membership to Hilton Honors Gold status, Shangri-La Golden Circle’s Jade tier, Taj InnerCircle, Starwood Preferred Guest Gold Programme, Club Carlson Gold Elite status, and Hertz Gold Plus Rewards.
  • Enjoy preferential fares or special discounts on companion travel on Airline Partner Programme.
  • Enjoy sailing with American Express partner luxury cruise liners – Silversea Cruises, Crystal Cruises, Regent Seven Seas Cruises, and Holland America Line. You can enjoy a wide range of benefits including Shipboard credits and more.
  • Enjoy your travel experience with some of the world’s top hospitality brands like Preferred Golf. Additionally, experience luxurious accommodation, preferential rates, complimentary facilities, and more.
  • Experience India’s most premium hotels like Taj Hotels Resorts and Palaces, ITC Hotels, Preferred Hotel Group, Oberoi Hotels and Resorts with personalized attention, special offers, and unique privileges.
  • Enjoy ‘By Invitation Only’ events such as art soirées, exclusive fashion events, special seats at grand sporting events, and more.
  • Enjoy Platinum Fine Dining program with exclusive dining privileges at some of the finest restaurants like Dum Pukht, Bukhara, Pan Asian, Dakshin, and more at ITC Hotels; Wasabi, Masala Bay, Varq, Latitude, and more at Taj Hotels; Vetro, Fenix, and more at Oberoi Hotels; Jamavar, Spectra, Megu and more at The Leela Palaces, Hotels and Resorts; Kiyan by Dusit Devarana and many more.
  • Enjoy complimentary Dining Memberships with Club ITC Culinaire and Taj Epicure Plan.
  • Enjoy complimentary access and green fee at 27 leading Premium Golf Courses across the country, such as Jaypee Greens (Greater Noida, Delhi/NCR), The ITC Classic Golf Resort (Manesar, Delhi/NCR), Bombay Presidency Golf Club (BPGC) (Mumbai), Prestige Golfshire Club (Bangalore), The Eagleton Golf Resort (Bangalore), Boulder Hills Golf and Country Club (Hyderabad), Cosmo – TNGF Golf Course (Chennai), Oxford Golf and Country Club (Pune), Gaekwad Baroda Golf Club (Baroda), Kalhaar Blues & Greens (Ahmedabad), Panchkula Golf Club (Chandigarh), Madras Gymkhana Club (Chennai), Kovai Hills Golf Club (Coimbatore), Gulmarg Golf Club (Gulmarg), Kensville Golf & Country Club (Ahmedabad), Zion Hills Golf County (Bangalore), CIAL Golf & Country Club (Kochi), East Point Golf Club (Visakhapatnam), Kaziranga Golf Resort (Jorhat, Assam), The Lalit Goa Golf Greens (Goa), Poona Golf Club (Pune), Royal Jaipur Golf Club (Jaipur), Kodaikanal Golf Club (Kodaikanal), Golden Greens Golf Club (Delhi), Glade One Golf Club (Ahmedabad), Tollygunge Golf Club (Kolkata) and more.
  • Additionally, get two complimentary golf lessons every month at 18 domestic golf courses across 10 cities.
  • Enjoy 24/7 Platinum Concierge Services, Global Assist, Home Assist, and Travel Emergency Assistance.
  • Be secured with Platinum Protection and get it all covered from Travel Accident Insurance, Travel Inconvenience Insurance, Purchase Protection to Overseas Medical Insurance.
  • Redeem your Rewards Points from a distinctive collection of Premium Partners – Emporio Armani, Giorgio Armani, Ritu Kumar, Bottega Veneta, Jimmy Choo, Tumi, Canali, Paul Smith, Abu Jani & Sandeep Khosla, and Mirari, offering an array of luxury Rewards and fabulous Rewards from over 500+ redemption options.
  • Convert your Membership Rewards Points into flights quickly and easily with just one call.
  • Benefits across 900+ FINE HOTELS & RESORTS properties worldwide. Participating chains of hotels include Mandarin Oriental Hotel Group, The Peninsula Hotels, The Ritz-Carlton,  Four Seasons Hotels and Resorts, Fairmont/Raffles Hotels and Resorts, Taj Hotels Resorts and Palaces, Oberoi Hotels and Resorts, Orient-Express Hotels, Aman Resorts, and many more.
  • Enjoy the Contactless Payment feature and simply pay by waving the card at POS, applicable for transactions up to Rs. 2000.
  • Exclusive benefits like complimentary room upgrades, special amenities, and more at over 900 extraordinary properties worldwide. For the complete list of participating properties, please visit
  • Complimentary membership to the Priority Pass worth US$99 and enjoy unlimited complimentary access to over 700 lounges outside India in over 120 countries. One Supplementary Cardmember to enjoys this privilege, complimentary.
  • Additionally, enjoy unlimited complimentary access to 33 airport Lounges across 14 cities In India, including American Express Lounges in Delhi and Mumbai (Domestic Terminal 3rd at IGI Airport, New Delhi American Express Lounge, and 1st floor, Domestic Terminal IC at Chhatrapati Shivaji International Airport, Mumbai).
  • 0% surcharge for fuel purchased at any HPCL Fuel Station, on transactions of up to Rs. 25,000.

Fee Structure

  • Annual Fee (Second year onwards) – Rs. 50,000 plus taxes
  • First Year Fee – Rs. 50,000 plus taxes
  • Cash Advance Charges – 3.5% of the Cash Advance amount, subject to a minimum of INR 250, applicable on each withdrawal
  • APR (EAPR) – 40.2% p.a. (3.35% p.m)
  • Add-on Card Fee – Rs. 5,000 (Up to 6 Supplementary Cards)
  • Over Limit Charge – Rs. 500 (Bank may approve certain transactions attempted by the Cardmember which can breach the credit limit, as a service gesture)
  • Surcharge on Purchase of Railway Ticket – 1.8% of the transaction value if booked on the IRCTC website, subject to a minimum of Rs. 10.
  • Points/Miles Reinstatement Fee – Rs. 250 for every redemption of Air Miles and Rs. 200 per Reinstatement (Points will be forfeited for the particular billing cycle / monthly statement in which the minimum payment is not received by the due date).
  • Utility Bill payments –  Rs. 50 per transaction is applicable for all transactions up to Rs. 15000; Rs. 100 is applicable for payment of Rs. 15,001 to Rs. 1,00,000; 1.95% per transaction is applicable for payment above Rs. 1,00,000.
  • Foreign Currency Transactions – 3.50%
  • Interest-Free (Grace) Period – Up to 52 days
  • Overdue Interest Charges – Revised interest rate of 3.75% per month (Annual 45% p.a.) if the Minimum Payment Due is not paid by the due date thrice in a 12-month period.
  • Late Payment Fee – 30% of the Minimum Payment Due, subject to a minimum of Rs. 500 and a maximum of Rs. 1,000, plus applicable Service Tax
  • Minimum Amount Payable – 5% of the outstanding amount or Rs. 100 (whichever is greater) + Total sum of any Card fee, overdue minimum payment. + Any amount exceeding the limit + Any installment due under any extended/deferred payment plan that American Express may offer (Cardmembers may choose to pay the full amount as shown in the Statement of Account by the Payment Due date. If they fail to do so, charges may be levied)
  • Cash Withdrawal Limit – 25,000 every 14 days (In India) and USD 750 in 14 days (Overseas)
  • Percentage of Credit Limit: 20%
  • Surcharge on Fuel Purchase – 2.5% of the transaction value on all Fuel purchase except on HPCL Fuel station; 0% for HPCL transaction less than equal to INR 25000; 0.3% fee per transaction is applicable for all HPCL transactions above Rs. 25,000.

Reward Points Programme

  • 1 Membership Rewards Point for every Rs.40 spent except for spend at Fuel, Utilities, Insurance and Cash Transactions (The Points earned on Supplementary Card spending are also credited to your Account)

Reward Rate = Rs. 0.50 per Rs. 100 spend


  • Benefits on Fuel Purchase – Get 3% cashback at leading fuel stations across India


  • The age of the applicant must be above 18 years.
  • Applicant must have an Indian or multinational bank’s savings or current account in India.
  • A personal annual income of ₹ 6 Lacs or above is required for both Salaried and Self Employed Individuals.
  • Applicant must have a good credit history and no payment defaults.
  • If self-employed, your company has been trading for more than 12 months.

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