All cards / American Express
American Express Platinum Reserve Credit Card
Amex's second-tier premium credit card (sitting just below the invite-only Platinum charge card) built around a free Priority Pass, monthly golf, and a fee that's fully waived only at ₹10L+ annual spend — a steep bar most cardholders won't clear, leaving them paying ₹10,000+GST for benefits that lean heavily on lifestyle perks rather than everyday rewards.
Annual fee
₹10,000
Joining fee
₹10,000
Reward type
points
Base reward rate
2%
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. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Complimentary EazyDiner Prime membership (worth ~₹3,000) with discounts at partner restaurants; annual shopping/movie vouchers on sustained monthly spend
- Rewards rate: 2% base rate
- Domestic lounge access: Complimentary domestic airport lounge access
- International lounge access: Complimentary Priority Pass membership (US$99 fee waived); basic Cardmember gets 2 complimentary international lounge visits per calendar year, further visits at the prevailing rate (currently US$35 per person per visit)
- Golf: Spend ₹50,000 in a month to unlock 2 complimentary golf games per month at 32+ courses in India (green fee waived)
Benefits by category
- ✈️ Travel
Complimentary Priority Pass membership (US$99 fee waived) with 2 free international lounge visits per calendar year, plus complimentary domestic airport lounge access
- ⛽ Fuel
0% convenience fee on HPCL fuel transactions under ₹5,000; 1% on ₹5,000 and above
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 18–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹10,00,000
- Rewards redemption fee: No fee to redeem Membership Rewards points for airline/hotel partner transfers; points never expire
- Foreign currency markup: 3.5%
- Interest rate: 42%–47.88% p.a.
- Fuel surcharge waiver: 0% convenience fee on HPCL fuel transactions under ₹5,000; 1% on transactions of ₹5,000 and above
- Cash advance charges: Amex does not offer a cash advance/cash withdrawal facility on this card
Benefits
- 11,000 bonus Membership Rewards points on payment of the annual fee and ₹30,000 spend within 90 days of cardmembership (first year only)
- Complimentary Priority Pass membership (US$99 fee waived) with 2 free international lounge visits per calendar year, plus complimentary domestic airport lounge access
- 2 complimentary golf games/month at 32+ courses in India (green fee waived), unlocked on ₹50,000 spend in the month
- ₹12,000 worth of shopping/movie vouchers per year on spending ₹50,000 or more every calendar month
- Complimentary ALL Accor+ Explorer, Taj Epicure and EazyDiner Prime memberships
- 0% convenience fee on HPCL fuel transactions under ₹5,000; 1% on ₹5,000 and above
Pros
- + Free Priority Pass membership (US$99 value) with 2 free international lounge visits a year
- + Genuinely useful golf and EazyDiner Prime perks for the right lifestyle
- + Strong 11,000-point welcome bonus for paying the fee and spending ₹30,000
Cons
- − ₹10,000 + GST annual fee only waives on ₹10 lakh+ spend in the prior year
- − Thin 1 point per ₹50 base earn rate with no bonus categories
- − 3.5% forex markup despite the premium positioning
- − Approval reportedly skews invite-led/discretionary rather than open online applications
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