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
Platinum Reserve Credit Card
Rs 10,000Annual fee
Rs 10,00,000Fee waiver spend
12Domestic lounge
Domestic lounge conditions
- 12 complimentary visits in a year, limited to 3 visits per quarter.
- 2 complimentary Priority Pass lounge visits in a year.
- Priority Pass membership worth US$99 is complimentary on enrolment.
- Visits beyond the 2 complimentary visits are charged at prevailing rates, currently US$35 per person per visit.
3.5%Forex markup
Best for
Premium, Lounge, Golf, Monthly Vouchers, Hotel Benefits
Top rewards
Retail: 1 Membership Rewards Point / ₹50 spent on eligible categories; Partner Merchants: 3 Membership Rewards Points / ₹50 spent via Reward Multiplier on select brands
| Feature | Platinum Credit Card | Platinum Reserve Credit Card |
|---|---|---|
| Issuer | American Express | American Express |
| Network | American Express | American Express |
| Joining fee | Rs 66,000 | Rs 10,000 |
| Annual fee | Rs 66,000 | Rs 10,000 |
| Fee waiver spend | - | Rs 10,00,000 |
| Reward type | Membership Rewards | Membership Rewards |
| Best for | Ultra Premium, Luxury Travel, Hotel Benefits, Global Lounge, Concierge | Premium, Lounge, Golf, Monthly Vouchers, Hotel Benefits |
| 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; Partner Merchants: 3 Membership Rewards Points / ₹50 spent via Reward Multiplier on select brands |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | Unlimited | 12 |
| International lounge | Unlimited | 2 |
| 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 monthly voucher on spending ₹50,000 or more in a calendar month, redeemable across partner brands such as Tata CLiQ Luxury, BookMyShow, and MakeMyTrip, subject to enrolment |
| Redemption | Air miles: upto ₹ 0.6 per point; Statement credit: upto ₹ 0.25 per point | Air miles: upto ₹ 0.5 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, utilities, cash transactions, EMI conversion at point of sale, excluded spends as per American Express terms |