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American Express Platinum Reserve Credit Card

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उत्पाद विवरण
क्रेडिट कार्ड का नाम

American Express Platinum Reserve Credit Card

Bank Name :

American Express

प्रकार

Premium Credit Card

ब्याज दर

3.50% p.m. (APR) of 35.4%.

पात्रता

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.

American Express Platinum Reserve Credit Card
पेशेवरों

  • Enjoy a movie or online shopping voucher worth Rs.6,000 per year.

  • Complimentary Taj Epicure and EazyDiner Prime membership.

  • Complimentary access to domestic airport lounges across India. Also, enjoy complimentary membership4 to Priority Pass, with the US$99 annual membership fee waived off.

  • complimentary access twice a month to 32+ lush green golf courses in India. 

  • Get Taj stay voucher worth Rs. 10,000 when you spend Rs. 500,000 in a card membership year and pay the annual fees of Rs. 10,000 on your card.

  • Purchase Protection

  • Concierge and Other Services

  • Fuel Convenience Fee Waiver at HPCL

  • Zero Lost Card Liability

  • Contactless Payment

दोष

  • High annual fee: In case you do not utilize the benefits to a high extent, the ₹10,000 yearly fee can be a big drawback. 

  • Limited reward earning: The rewards program with 1 Membership Rewards Point per ₹50 spent is far from being the most lucrative among premium cards.

  • Exclusion of certain spending categories: Fuel, insurance, utilities or EMI conversions do not earn you any points thereby limiting your overall rewards potential.

  • Acceptance limitations: Smaller shops and restaurants especially would accept Visa and MasterCard but not American Express as widely.

पक्ष विपक्ष
Welcome Benefits

Enjoy movie or online shopping vouchers6 worth Rs.6,000 per yearGet a Welcome Gift of 11,000 Bonus Membership Rewards Points.

पुरस्कार प्रणाली

  • 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. 

  • Effective Cashback Rate: 1%

अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

Up to: 2.5%

स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण

Enjoy 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.

फ़ायदे

  • Taj Epicure membership with dining discounts and complimentary stays.

  • EazyDiner Prime membership with dining offers and discounts.

  • Other benefits:24/7 concierge service.
    Air accident insurance cover of ₹1 crore.
    4 supplementary cards for family or friends.

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?

  1. Visit the American Express website and click on the "Apply Now" button.

  2. Enter your basic information, such as your name, address, and date of birth.

  3. Provide your financial information, such as your income and employment history.

  4. 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.

सम्पर्क करने का विवरण

1-800-419-2122 (Toll Free)

खाता खोलने की प्रक्रिया और प्रक्रिया

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विशेष विशेषता, पात्रता और लाभ

Pros:-

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Cons:-

  • Enjoy a movie or online shopping voucher worth Rs.6,000 per year.

  • Complimentary Taj Epicure and EazyDiner Prime membership.

  • Complimentary access to domestic airport lounges across India. Also, enjoy complimentary membership4 to Priority Pass, with the US$99 annual membership fee waived off.

  • complimentary access twice a month to 32+ lush green golf courses in India. 

  • Get Taj stay voucher worth Rs. 10,000 when you spend Rs. 500,000 in a card membership year and pay the annual fees of Rs. 10,000 on your card.

  • Purchase Protection

  • Concierge and Other Services

  • Fuel Convenience Fee Waiver at HPCL

  • Zero Lost Card Liability

  • Contactless Payment

  • High annual fee: In case you do not utilize the benefits to a high extent, the ₹10,000 yearly fee can be a big drawback. 

  • Limited reward earning: The rewards program with 1 Membership Rewards Point per ₹50 spent is far from being the most lucrative among premium cards.

  • Exclusion of certain spending categories: Fuel, insurance, utilities or EMI conversions do not earn you any points thereby limiting your overall rewards potential.

  • Acceptance limitations: Smaller shops and restaurants especially would accept Visa and MasterCard but not American Express as widely.

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.

American Express Platinum Reserve Credit Card

Abhijeet Saxena

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

उत्पाद समीक्षा
फीस एवं प्रभार

  • Annual fee: First year Fee: Rs. 5,000 plus applicable taxes; Second year onwards: Rs. 10,000 plus applicable taxes. 

  • Foreign Currency Transaction Fee: 2.5% (capped at Rs. 100)

  • Late Payment Fee: Rs. 500 (minimum)

  • Cash Advance Fee: 3.5% of the amount (minimum Rs. 250)

  • Returned Payment Fee: Rs. 500

  • Excess Card Limit Fee: Rs. 500

ईंधन अधिशुक्ल

0% Convenience fee on fuel purchase at HPCL for transactions less than Rs. 5,000 and 1% Convenience fee on fuel purchases per transaction is applicable for all transactions of Rs. 5,000 and above

Billing Cycle

30 Days

फीस एवं प्रभार
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