Platinum Credit 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 / ₹40 spent on eligible categories; Travel: 3 Membership Rewards Points / ₹40 spent on overseas spends; Fuel: 5 Membership Rewards Points / ₹100 spent on fuel
Gold Credit 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 / ₹50 spent on eligible categories; Utilities: 1 Membership Rewards Point / ₹50 spent on utility payments; Partner Merchants: 5 Membership Rewards Points / ₹50 spent via Reward Multiplier on select brands
| Feature | Platinum Credit Card | Gold Credit 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 / ₹40 spent on eligible categories; Travel: 3 Membership Rewards Points / ₹40 spent on overseas spends; Fuel: 5 Membership Rewards Points / ₹100 spent on fuel | Retail: 1 Membership Rewards Point / ₹50 spent on eligible categories; Utilities: 1 Membership Rewards Point / ₹50 spent on utility payments; Partner Merchants: 5 Membership Rewards Points / ₹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 ₹35,000 voucher on spending ₹20 lakh in the membership year and payment of renewal fee | 1,000 bonus Membership Rewards points on completing 6 transactions of ₹1,000 or more every calendar month |
| Redemption | Air miles: upto ₹ 0.6 per point; Statement credit: upto ₹ 0.25 per point | Air miles: upto ₹ 0.6 per point; Statement credit: upto ₹ 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 |