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American Express Platinum Reserve Credit Card
Amex
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.
Rates and fees last verified 15 July 2026.
Annual fee
₹10,000
Joining fee
₹10,000
Reward type
points
Base reward rate
2%
Card network
Amex
Card tier
Super-premium
Benefits by category
- 🍽️ Dining & food delivery
Complimentary EazyDiner Prime membership (worth ~₹3,000) with discounts at partner restaurants
- ✈️ Travel
Complimentary Priority Pass membership (US$99 fee waived) with access to 1,300+ lounges worldwide, plus domestic airport lounge access
- 🌍 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
Benefits
- 11,000 bonus Membership Rewards points on payment of the annual fee, credited within 2 statement cycles
- Complimentary Priority Pass membership (US$99 fee waived) with access to 1,300+ lounges worldwide, plus domestic airport lounge access
- 2 complimentary golf games/month at 30+ leading golf courses in India (green fee waived), unlocked on ₹50,000+ spend in the preceding 2 months
- ₹12,000 worth of shopping/movie vouchers per year on spending ₹50,000 or more every calendar month
- Complimentary EazyDiner Prime membership (worth ~₹3,000) with discounts at partner restaurants
Pros
- + Free Priority Pass membership (US$99 value) with 1,300+ global lounges
- + Genuinely useful golf and EazyDiner Prime perks for the right lifestyle
- + Strong 11,000-point welcome bonus just for paying the fee
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