American Express Platinum Card
Rs 66,000Annual fee
UnlimitedDomestic lounge
Domestic lounge conditions
- Global Lounge Collection includes domestic partner lounges in India.
- Global Lounge Collection includes Priority Pass lounges, The Centurion Lounge, Delta Sky Club when flying Delta, and Escape lounges.
3.5%Forex markup
Best for
ultra premium, luxury travel, hotel benefits, global lounge, concierge
Top rewards
retail: 1 Membership Rewards Point / Rs 40 spent on eligible categories; travel: 3 Membership Rewards Points / Rs 40 spent on overseas spends; fuel: 5 Membership Rewards Points / Rs 100 spent on fuel
American Express Gold Card
Rs 4,500Annual fee
0Domestic lounge
3.5%Forex markup
Best for
charge card, membership rewards, monthly milestones, dining
Top rewards
retail: 1 Membership Rewards Point / Rs 50 spent on eligible categories; utilities: 1 Membership Rewards Point / Rs 50 spent on utility payments; partner merchants: 5 Membership Rewards Points / Rs 50 spent via Reward Multiplier on select brands
| Feature | American Express Platinum Card | American Express Gold Card |
|---|---|---|
| Issuer | American Express | American Express |
| Network | American Express | American Express |
| Joining fee | Rs 66,000 | Rs 1,000 |
| Annual fee | Rs 66,000 | Rs 4,500 |
| Reward type | membership rewards | membership rewards |
| Best for | ultra premium, luxury travel, hotel benefits, global lounge, concierge | charge card, membership rewards, monthly milestones, dining |
| Top reward categories | retail: 1 Membership Rewards Point / Rs 40 spent on eligible categories; travel: 3 Membership Rewards Points / Rs 40 spent on overseas spends; fuel: 5 Membership Rewards Points / Rs 100 spent on fuel | retail: 1 Membership Rewards Point / Rs 50 spent on eligible categories; utilities: 1 Membership Rewards Point / Rs 50 spent on utility payments; partner merchants: 5 Membership Rewards Points / Rs 50 spent via Reward Multiplier on select brands |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | Unlimited | 0 |
| International lounge | Unlimited | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Renewal benefit worth up to Rs 35,000 voucher on spending Rs 20 lakh in the membership year and payment of renewal fee | 1,000 bonus Membership Rewards points on completing 6 transactions of Rs 1,000 or more every calendar month |
| Redemption | Air miles: upto Rs 0.6 per point; Statement credit: upto Rs 0.25 per point | Air miles: upto Rs 0.6 per point; Statement credit: upto Rs 0.25 per point |
| Key exclusions | insurance, utilities, cash transactions, excluded spends as per American Express Platinum Card terms | insurance, cash transactions, fuel payments do not earn Membership Rewards points effective 12 June 2025, excluded spends as per American Express terms |