SimplifyCards take:A good fit if you want a card built for ultra premium, luxury travel, and hotel benefits
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Best for TravelBest for
3 Membership Rewards Points / ₹40 spent on overseas spends
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Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for ultra premium, luxury travel, and hotel benefitsBottom line
It combines complimentary airport lounge access, accelerated rewards on travel, and milestone rewards
Estimate your Membership Rewards
Adjust your monthly spend to see the card's estimated annual value
How the card works
Membership Rewards rates
| Category | Rate | Monthly cap |
|---|---|---|
| Retail | 1 Membership Rewards Point / ₹40 spent on eligible categories | - |
| Travel | 3 Membership Rewards Points / ₹40 spent on overseas spends | - |
| Fuel | 5 Membership Rewards Points / ₹100 spent on fuel | 5,000 Membership Rewards |
| Reward Xcelerator (select Brands) | Up to 20X Membership Rewards points on select online and in-store brands listed by American Express | - |
Redemption
Statement balanceupto ₹ 0.25 per point
Airmile transferupto 1 airmile per point
| Airline | Programme | Ratio |
|---|---|---|
| British Airways | Executive Club | 2:1 |
| Singapore Airlines | KrisFlyer | 2:1 |
| Qatar Airways | Privilege Club | 2:1 |
| Emirates | Skywards | 2:1 |
| Etihad Airways | Etihad Guest | 2:1 |
| Virgin Atlantic | Flying Club | 5:4 |
| Air India | Maharaja Club | 2:1 |
| Hotel group | Programme | Ratio |
|---|---|---|
| Marriott | Marriott Bonvoy | 1:1 |
| Hilton Hotels | Hilton Honors | 1:1.5 |
Important conditions
1
Domestic loungeUnlimited visits per year
- Global Lounge Collection includes domestic partner lounges in India
2
International loungeUnlimited visits per year
- Global Lounge Collection includes Priority Pass lounges, The Centurion Lounge, Delta Sky Club when flying Delta, and Escape lounges
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- Welcome gift worth up to ₹60,000 on payment of annual fee and spending ₹50,000 within the first 2 months of Cardmembership
Additional benefits
- Fine Hotels & Resorts and The Hotel Collection stay benefits listed by American Express
- Complimentary memberships including Marriott Bonvoy Gold Elite, Hilton Honors Gold, Radisson Rewards Premium, ALL Accor Plus Explorer, The Postcard Hotel Sunshine Club, and EazyDiner Prime
- Dedicated Platinum Concierge service
- Exclusive airline deals through Platinum Travel Service
Latest Updates
Recent changes to this card
American Express improves Virgin Atlantic and Hilton Honors transfer ratios25 Aug 2026
- American Express India has significantly improved Membership Rewards transfer ratios for Virgin Atlantic Flying Club and Hilton Honors
- Virgin Atlantic transfers have improved from 2:1 to 5:4 (60% uplift), while Hilton Honors transfers have increased from 1,000:900 to 1,000:1,500 (67% uplift), making Membership Rewards substantially more valuable for travellers
Eligibility
Check this before you apply
Salaried
- Employed with personal annual income of ₹25 lakh and above
- Good credit history with no payment defaults
- Resident Indian with current residential address in India
Self-employed
- Self-employed with personal annual income of ₹15 lakh and above
- Company has been trading for more than 12 months
- Resident Indian with current residential address in India
Exclusions
Spending that does not earn membership rewards
- insurance
- utilities
- cash transactions
- excluded spends as per American Express Platinum Card terms
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