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American Express
American Express Platinum Card
4.8Best for travel
Premium
- Joining fee
- ₹66,000
- Annual fee
- ₹66,000
- Welcome bonus
- ₹35,000
- Forex markup
- 3.5%
- Interest p.a.
- —
- Min income
- ₹25,00,000/mo
How this card earns
Reward rates by category, with caps and an estimated yearly value.
| Spend category | Reward rate | Monthly cap | Est. value/yr |
|---|---|---|---|
Travel International spends earn 3X Membership Rewards points (3 points per Rs 40 = approx 1.875% value-back at Rs 0.25/point) | 1.875% | — | ₹2,250 |
| All other spends | 0.625% | — | ₹750 |
Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.
Fees & charges
Joining fee₹66,000
Annual fee₹66,000
Foreign currency markup3.5%
Finance charge (p.a.)—
Spend milestones
| Annual spend | Benefit | Value |
|---|---|---|
| ₹20,00,000 | Renewal benefit of vouchers up to Rs 35,000 on annual spend of Rs 20 lakh | ₹35,000 |
Key benefits
- 1 Membership Rewards point per Rs 40 spent domestically (approx 0.625% value-back at Rs 0.25/point); 3X on international spends
- American Express Global Lounge Collection: unlimited access to 1,550+ lounges across 500+ airports (Centurion Lounges, Priority Pass, Delta Sky Club, partner lounges)
- Taj Reimagined Epicure membership; 25% off at Taj, SeleQtions and Vivanta
- Marriott Bonvoy Gold Elite status
- Hilton Honors Gold status
- Radisson Rewards Premium status
- Fine Hotels & Resorts benefits and hotel experience credits
- 24x7 Platinum Concierge service
- Comprehensive global travel insurance
What we like
- +Unlimited access to 1,550+ airport lounges worldwide via the Global Lounge Collection
- +Stacked hotel elite statuses (Taj, Marriott Gold, Hilton Gold, Radisson)
- +Welcome plus renewal vouchers (up to Rs 35,000 each) substantially offset the fee for high spenders
What to watch
- −Very high Rs 66,000 + GST annual fee with no spend-based waiver
- −Low base reward earn of ~0.625% value-back; benefits-led rather than rewards-led
- −Limited merchant acceptance in India versus Visa/Mastercard
- −3.5% forex markup on international spends
Compare with similar cards
- Top reward
- 0.5%
- Annual fee
- ₹5,000
- Welcome bonus
- ₹2,500 value
- Top reward
- 0.5%
- Annual fee
- ₹4,500
- Welcome bonus
- ₹1,000 value
- Top reward
- 0.5%
- Annual fee
- ₹4,500
- Welcome bonus
- ₹1,000 value