All cards / American Express
American Express Centurion Card
The Centurion is India's most exclusive card by a wide margin — strictly by invitation, extended only to long-tenured Amex cardholders with an ultra-high-net-worth profile. The fees alone put it out of reach for all but a tiny sliver of applicants, but the service level (dedicated RM, near-unconditional concierge, global lounge and hotel access) is genuinely unmatched in the Indian market. Most people will never see an invite, let alone qualify.
Annual fee
₹2,75,000
Joining fee
₹7,00,000
Reward type
points
Base reward rate
1%
Card network
Amex
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 800+ whose spend is concentrated in travel, dining. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ Dining & food delivery
1% reward rate
- ✈️ Travel
1% reward rate · Unlimited access to 1,300+ airport lounges worldwide via the Centurion Lounge network and International Airline Programme.
- 🏨 Hotel
Elite status with partner hotel chains, private event access, and curated luxury experiences.
- 🛡️ Insurance
Comprehensive travel, purchase protection, and extended warranty cover.
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 800
- Minimum monthly income: ₹10,00,000
- Employment: salaried, self-employed
- Age: 25–70
Fees & charges
- Foreign currency markup: 2%
- Interest rate: 3.5% p.a.
Benefits
- 24/7 global lifestyle concierge and a dedicated relationship manager handling bookings, tickets, and requests.
- Unlimited access to 1,300+ airport lounges worldwide via the Centurion Lounge network and International Airline Programme.
- Elite status with partner hotel chains, private event access, and curated luxury experiences.
- Comprehensive travel, purchase protection, and extended warranty cover.
- Personalized onboarding and a bespoke card design with the cardholder's name engraved.
Pros
- + Unmatched concierge and relationship-manager service
- + Access to 1,300+ lounges globally with no visit caps
- + Signals status few other Indian cards can match
- + Extensive travel and purchase insurance
Cons
- − Cannot be applied for — invite-only with no published path to qualify
- − Joining and annual fees run into lakhs
- − Reward earn rate is unremarkable relative to the fee