American Express Platinum Reserve Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefits: Users will get a welcome gift of 11,000 bonus Membership rewards points.
Milestone Benefits
Cashback Rate
Users will earn 1 Membership rewards point for every Rs. 50 spent except for spend on Fuel, Insurance, Utilities, Cash transactions and EMI conversion at Point of Sale(PoS).
Effective cashback rate: 1%.
Movie Benefits
Users can enjoy a movie or online shopping voucher worth Rs 6,000 per year.
Dining Benefits
Other Benefits
Users will get a complimentary Taj Epicure and EazyDiner Prime membership.; Complimentary access twice a month to 32+ lush green golf courses in India.; Users will get a Taj stay voucher worth Rs 10,000 on spending Rs 5,00,000 in a card membership year and pay the annual fees of Rs 10,000 on their card.; Concierge and other services.; Fuel Convenience Fee waiver at HPCL petrol pumps.; Zero lost card liability.
Lounge Access
Users will get complimentary access to domestic airport lounges across India. Also, a complimentary membership to Priority Pass, with the US$99 annual membership fee waived.
Rewards & Benefits
Welcome Benefits
Welcome Benefits: Users will get a welcome gift of 11,000 bonus Membership rewards points.
Milestone Benefits
Cashback Rate
Users will earn 1 Membership rewards point for every Rs. 50 spent except for spend on Fuel, Insurance, Utilities, Cash transactions and EMI conversion at Point of Sale(PoS).
Effective cashback rate: 1%.
Movie Benefits
Users can enjoy a movie or online shopping voucher worth Rs 6,000 per year.
Dining Benefits
Other Benefits
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Lounge Access
Users will get complimentary access to domestic airport lounges across India. Also, a complimentary membership to Priority Pass, with the US$99 annual membership fee waived.
Fees & Charges
Joining Fee
INR 5,000 plus taxes
Annual Fee
INR 10,000 plus taxes
Cash Advance Fee
Cash Advance Fee: 3.5% of the amount (minimum Rs. 250)
Interest rate
Late Payment Fee
Late Payment Fee: Rs. 500 (minimum)
Foreign Currency Transactions Fee
Foreign Currency Transaction Fee: 2.5% (capped at Rs. 100)
Other Fees
Returned Payment Fee: Rs. 500 | Excess Card Limit Fee: Rs. 500
Fees & Charges
Joining Fee
INR 5,000 plus taxes
Annual Fee
INR 10,000 plus taxes
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Late Payment Fee
Late Payment Fee: Rs. 500 (minimum)
Foreign Currency Transactions Fee
Foreign Currency Transaction Fee: 2.5% (capped at Rs. 100)
Other Fees
Returned Payment Fee: Rs. 500 | Excess Card Limit Fee: Rs. 500
Special Features
Complimentary access twice a month to 32+ lush green golf courses in India.
Eligibility Criteria
You must be at least 18 years old.
You must have an Indian or multinational bank’s savings or current account in India.
You must have a good credit history and no payment defaults.
You must have a personal annual income of Rs. 6 Lacs and above (for both salaried and self-employed individuals).
You must have a current/permanent residential address in India.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Visit the American Express website and click on the "Apply Now" button.
Enter your basic information, such as your name, address, and date of birth.
Provide your financial information, such as your income and employment history.
Review your application and submit it.
Once you've submitted your application, American Express will review it and let you know if you've been approved. If you're approved, you'll receive your card in the mail within a few days.
Contact Details
1-800-419-2122 (Toll Free)
Account Opening and Procedure
The American Express Platinum Reserve Credit Card is a dream card for high-flying travelers and luxury connoisseurs who appreciate the finer things in life. Its unparalleled travel and lifestyle privileges, combined with high rewards potential, make it a powerful tool for those who can fully utilize its offerings. However, the exorbitant annual fee and niche appeal demand careful consideration before applying.
The American Express Platinum Reserve Credit Card is a dream card for high-flying travelers and luxury connoisseurs who appreciate the finer things in life. Its unparalleled travel and lifestyle privileges, combined with high rewards potential, make it a powerful tool for those who can fully utilize its offerings. However, the exorbitant annual fee and niche appeal demand careful consideration 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