American Express
American Express Platinum Reserve Credit Card
Annual Fee
₹11,800₹10,000 + GSTBase Reward
2% MR points
Foreign Markup
3.5% of the transaction amount
Welcome Benefits
11,000 Bonus Membership Rewards Points on Spending ₹30,000 Within 90 Days of Card Issuance
Product Highlights
- 11,000 bonus Membership Rewards Points as a welcome gift.
- Complimentary (limited) visits to domestic airport lounges and a complimentary Priority Pass membership.
- Complimentary membership of Taj Epicure.
- 2 complimentary rounds of golf every month at 32 premium golf courses across India.
- 24×7 American Express concierge service.
Category Rewards
shopping
2 Membership Reward Points for every ₹50 spent
2X
~1% effective
dining
2 Membership Reward Points for every ₹50 spent
2X
~1% effective
travel
2 Membership Reward Points for every ₹50 spent
2X
~1% effective
Fee Waiver
Annual Fee Waiver on Spends of ₹10 Lakh in a Year
Reward Calculator
Costs you ₹5,800/year
Break-even needs ~₹49,167/month at your reward mix.
₹25K
across all your buckets
6K
American Express Membership Rewards Points
₹6K
via statement credit
Effective rate
2.00%
Annual fee
₹11,800
Year 1 net
₹-300
incl. welcome
Year 2+ net
₹-5,800
ongoing
Adjust your spend by reward bucket
1 bucketsRedemption channels
highest value = bestStatement credit
₹0.5/pt
Travel partner
₹1/pt
Milestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per month · You spend ≈ ₹50K
Movie / online shopping vouchers worth ₹12,000 annually
2 complimentary green-fee golf games at 32+ courses
per year · You spend ≈ ₹6L
Annual fee waiver
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, insurance, utility, cash advance, emi pos conversion
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
You earn 1 Membership Rewards Point for every ₹50 spent with this card except for spends on fuel, insurance, utilities, cash transactions and EMI conversion at Point of Sale. 3X Reward Points while shopping through the AmEx Rewards Multiplier. Membership Reward Points can also be transferred to airlines and hotel loyalty programs like Asia Miles, British Airways Executive Club, Emirates, Skywards, Etihad Guest, Finnair Plus, Qatar Privilege Club, Singapore KrisFlyer, Virgin Points, Marriott Bonvoy, and Hilton Honors.
- Membership Rewards Points redeemable for online shopping vouchers, INSTA rewards for offline purchases, transfer to various flight and hotels loyalty programs and for making credit card bill payments under the Cash + Points scheme.
We use ₹0.5/point as the effective value for card comparisons and recommendations.
Benefits & Features
Domestic: 12 complimentary domestic lounge visits (limited to 3 per quarter) (Limited to 3 per quarter) International: Two Free Visits Via Priority Pass (Two visits to the international lounge are complimentary via Priority Pass, while additional visits are chargeable.) Complimentary Priority Pass Membership for international lounge access at 1200+ VIP lounges across 120+ countries around the world.
Pros & Cons
Pros
- For frequent flyers, this card offers 12 domestic lounge visits and a Priority Pass membership.
- You would get 11,000 Membership Reward Points on the realization of card joining fees.
Cons
- Despite its high annual fee of ₹10,000, the card does not provide basic perks that are typically offered by similar cards.
- The Platinum Reserve card should have lower Forex charges, considering its already steep annual cost.
Additional Info
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Min Age
18 yrs
Salaried
₹6.0L+
Self-Emp
₹6.0L+
Networks
Fee Waiver
Annual Fee Waiver on Spends of ₹10 Lakh in a Year