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American Express Platinum Charge Card
The Platinum Charge Card is Amex India's flagship no-preset-limit charge card, sitting above the Platinum Travel and Platinum Reserve cards in the lineup. Its ₹66,000+GST annual fee is offset for genuine premium travelers by unlimited global lounge access, complimentary Marriott and Hilton elite status, and a substantial welcome bonus — but the earn rate itself (1 point per ₹40) is modest, so this card is bought for its status perks and lounge network rather than everyday rewards.
Annual fee
₹66,000
Joining fee
₹66,000
Reward type
points
Base reward rate
2.5%
Card network
Amex
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel, dining. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Movie & dining: EazyDiner Prime dining privileges
- Rewards rate: 2.5% base rate
- Travel: Complimentary Marriott Bonvoy Gold Elite and Hilton Honors Gold status, plus Taj Epicure membership; 24x7 concierge and Global Assist for travel emergencies
- Domestic lounge access: Unlimited access to domestic Amex airport lounges
- International lounge access: Unlimited access to Amex/Centurion lounges worldwide, 1,200+ Priority Pass lounges, and select Delta lounges
- Golf: 4 complimentary golf games and 2 lessons per month at leading courses
Benefits by category
- 🍽️ Dining & food delivery
2.5% reward rate · 4 complimentary golf games and 2 lessons per month at leading courses; EazyDiner Prime dining privileges; 24x7 concierge
- ✈️ Travel
2.5% reward rate · Unlimited access to domestic lounges, Amex/Centurion lounges worldwide, 1,200+ Priority Pass lounges, and select Delta lounges
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹2,08,333
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Rewards redemption fee: No fee to redeem Membership Rewards points for airline/hotel partner transfers; points never expire
- Foreign currency markup: 3.5%
- Cash advance charges: Amex does not offer a cash advance/cash withdrawal facility on this card
Benefits
- 100,000 Membership Rewards points, or a ₹60,000 Taj/Luxe voucher, on meeting the minimum spend requirement
- Unlimited access to domestic lounges, Amex/Centurion lounges worldwide, 1,200+ Priority Pass lounges, and select Delta lounges
- Complimentary Marriott Bonvoy Gold Elite and Hilton Honors Gold status, plus Taj Epicure membership
- 4 complimentary golf games and 2 lessons per month at leading courses; EazyDiner Prime dining privileges; 24x7 concierge
- Renewal benefit of up to ₹35,000 in vouchers, contingent on ₹20 lakh of annual spend
Pros
- + Unlimited lounge access domestically, at Amex Centurion lounges, and across 1,200+ Priority Pass locations worldwide
- + Complimentary Marriott Bonvoy Gold and Hilton Honors Gold elite status, each worth roughly ₹20,000 on its own
- + Large welcome bonus of 100,000 Membership Rewards points or a ₹60,000 Taj/Luxe voucher
- + Monthly complimentary golf games and lessons, plus EazyDiner Prime and 24x7 concierge
Cons
- − Very high joining and annual fee (₹66,000 + GST) with no spend-based waiver
- − Base earn rate of 1 point per ₹40 is unremarkable for a card in this fee bracket
- − Renewal voucher benefit requires ₹20 lakh of annual spend to unlock
- − As a charge card, it carries no preset credit limit and must typically be paid in full each cycle
Best for
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