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American Express Platinum Corporate Card
American Express issues the Platinum Corporate Card to companies for their proprietors, partners and senior employees to separate and track business spend. It has no joining fee, a flat ₹40,000 + GST annual/renewal fee (borne by the company under the corporate card programme), and earns 1 Membership Rewards point per ₹40 spent on most business categories, with reward points on utilities capped. It suits an established small business or firm rather than a first-time applicant, since Amex sets up the account under a corporate agreement rather than a purely individual application.
Annual fee
₹40,000
Joining fee
₹0
Reward type
points
Base reward rate
2.5%
Card network
Amex
Card tier
Super-premium
Who this card fits
Best suited to self-employed 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
- Rewards rate: 2.5% base rate
- Domestic lounge access: Complimentary domestic airport lounge access via American Express Global Lounge Collection and Priority Pass
- International lounge access: Unlimited international airport lounge access via American Express Global Lounge Collection (1,300+ lounges) and highest-tier Priority Pass membership
Benefits by category
- 🍽️ Dining & food delivery
2.5% reward rate
- ✈️ Travel
2.5% reward rate · Complimentary domestic and international airport lounge access
- 🧾 Utilities
1% reward rate (capped ₹1,000/monthly)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹2,00,000
- Employment: 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
- Gift voucher worth ₹10,000 on the corporate account crossing ₹30,00,000 of card spend in a year
- Complimentary domestic and international airport lounge access
- 24x7 Platinum Card Services helpline and Global Assist for travel emergencies
Pros
- + No joining fee, and the flat renewal fee is transparent rather than spend-tiered
- + Full access to the Amex Membership Rewards ecosystem and premium lounge network
- + Milestone gift voucher for high annual spend across the corporate account
- + Clean separation of business and personal expenses for GST-registered firms
Cons
- − ₹40,000 + GST annual fee is high for a small business just starting to build a card history
- − Signed up via a corporate programme rather than a simple online individual application
- − Fuel spends earn no Membership Rewards points at all
- − 3.5% forex markup on international transactions