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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

Amex Platinum Reserve

The American Express Platinum Reserve Credit Card is a premium lifestyle and travel credit card designed for individuals who seek rewards, golf privileges, dining benefits, entertainment offers, and premium experiences. The card comes with Membership Rewards points, welcome benefits, and annual fee waiver options for high spenders.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

Applicant must be an Indian resident or NRI (subject to American Express policy)
Age: 18 years or above
Salaried or self-employed individual
Stable source of income
Good CIBIL score (750+ preferred)
Must meet American Express internal eligibility criteria

Features & Benefits

Welcome Gift: 11,000 Membership Rewards® Points on payment of annual fee and eligible spend criteria
Earn 1 Membership Rewards Point for every ₹50 spent on eligible transactions
Complimentary access to selected airport lounges in India
Premium dining offers through American Express partner restaurants
Golf privileges at select golf courses across India
Reward points redeemable for travel, vouchers, shopping, and lifestyle benefits
EMI conversion facility on eligible purchases
Contactless payment enabled

Fees & Charges

Joining Fee: ₹10,000 + GST
Joining Fee: ₹10,000 + GST
Annual Fee: ₹10,000 + GST
Annual Fee Waiver: 100% waiver on annual spends of ₹10 lakh or more in the previous membership year
Interest Rate: Approximately 3.5% per month
Cash Advance Fee: 3.5% of transaction amount (minimum ₹250)
Late Payment Charges: As per American Express policy 

Documents Required

PAN Card (Mandatory)
Aadhaar Card / Passport / Driving Licence
Address Proof
Income Proof (Salary Slips / ITR / Form 16)
Bank Statements (Last 3–6 Months)
Passport-size Photograph (if required)

FAQs

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Eligible cardmembers can receive 11,000 Membership Rewards Points after meeting the welcome offer conditions.

The annual fee is ₹10,000 plus applicable taxes.

Yes, the annual renewal fee can be waived on annual spending of ₹10 lakh or more in the previous membership year.

The card earns 1 Membership Rewards Point for every ₹50 spent on eligible transactions.

Frequent travelers, golfers, dining enthusiasts, and premium lifestyle users looking for American Express privileges.

Terms & Conditions

Welcome benefits are subject to eligible spending requirements
Membership Rewards Points are governed by the American Express Membership Rewards Program
Fee waiver is subject to annual spend criteria
Approval is subject to American Express credit and risk assessment policies
Benefits, fees, and privileges may change as per issuer guidelines

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Card At A Glance
Joining Fee ₹10,000 + GST
Annual Fee Free
Rewards Welcome Gift: 11,000 Membership Rewards® Points on payment of annual fee and eligible spend criteria
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type AMEX