Welcome Benefit: Users will receive the welcome gift on completion of Rs 50,000 spent on basic card and payment of the annual fee.
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American Express Platinum Charge Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will receive the welcome gift on completion of Rs 50,000 spent on basic card and payment of the annual fee.
Milestone Benefits
None.
Cashback Rate
Customers can get 3X membership reward points on everything, every time they spend abroad. Effective cashback rate: 1.50%.
1 membership rewards point for every ₹100 spent. 1 RP = 0.50 paisa. Effective cashback rate: 0.5%.
Movie Benefits
None.
Dining Benefits
Complimentary Eazydiner Platinum membership. Get upto 50% off on through Eazydiner.
Other Benefits
Also, get protected with emergency services and insurance.; Customers can get exclusive stay benefits up to Rs 44,300.; Customers also get 25% off at Taj, SeleQtions, and Vivanta Hotels.; Customers also get protection against fraud or theft of their Cards, 24x7 across the globe.
Lounge Access
Customers can access best-in-class airport lounges like The Centurion Lounges, Delta & Priority Pass lounges.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will receive the welcome gift on completion of Rs 50,000 spent on basic card and payment of the annual fee.
Milestone Benefits
None.
Cashback Rate
Customers can get 3X membership reward points on everything, every time they spend abroad. Effective cashback rate: 1.50%.
1 membership rewards point for every ₹100 spent. 1 RP = 0.50 paisa. Effective cashback rate: 0.5%.
Movie Benefits
None.
Dining Benefits
Complimentary Eazydiner Platinum membership. Get upto 50% off on through Eazydiner.
Other Benefits
Also, get protected with emergency services and insurance.; Customers can get exclusive stay benefits up to Rs 44,300.; Customers also get 25% off at Taj, SeleQtions, and Vivanta Hotels.; Customers also get protection against fraud or theft of their Cards, 24x7 across the globe.
Lounge Access
Customers can access best-in-class airport lounges like The Centurion Lounges, Delta & Priority Pass lounges.
Fees & Charges
Joining Fee
66,000
Annual Fee
66,000
Cash Advance Fee
Cash Advance Fee: 5% of each cash advance, with a minimum of $10
Interest rate
APR 44.13%
Late Payment Fee
Up to Rs. 1,000 (minimum Rs. 200)
Foreign Currency Transactions Fee
Foreign Transaction Fee: 2.7% of each transaction in a foreign currency
Other Fees
Authorized User Fee: $175 per year for up to 3 additional cards
Fees & Charges
Joining Fee
66,000
Annual Fee
66,000
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
APR 44.13%
Late Payment Fee
Up to Rs. 1,000 (minimum Rs. 200)
Foreign Currency Transactions Fee
Foreign Transaction Fee: 2.7% of each transaction in a foreign currency
Other Fees
Authorized User Fee: $175 per year for up to 3 additional cards
Special Features
Access to free WiFi, gourmet cuisines and other exclusive services while you wait between flights in our lounges spread across 130+ countries.
Eligibility Criteria
The applicant must be over 18 years of age.
If self-employed, the applicant’s company must have been trading for more than 12 months.
The applicant must have a good credit history and no payment defaults.
The applicant must have a current residential address in India.
The applicant must have an Indian or multinational bank’s savings or current account in India
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
The American Express Platinum Charge Card has an annual fee of $695.
To apply, you must be at least 18 years old and have a good credit history. You can apply online or by phone.
The application process is relatively simple. You will need to provide your basic personal information, income, and employment information.
American Express will review your application and let you know if you are approved within a few days.
Account Opening and Procedure
The American Express Platinum Charge Card is a powerful tool for high-spending travelers and luxury enthusiasts who appreciate exclusive access, superior service, and travel rewards. However, its hefty annual fee and niche appeal require careful consideration. Ensure you can fully utilize the benefits to offset the cost and align your spending habits with its strengths before applying.
The American Express Platinum Charge Card is a powerful tool for high-spending travelers and luxury enthusiasts who appreciate exclusive access, superior service, and travel rewards. However, its hefty annual fee and niche appeal require careful consideration. Ensure you can fully utilize the benefits to offset the cost and align your spending habits with its strengths before applying.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai