American Express Platinum
by American Express · Data verified 2 days ago
India most prestigious charge card at ₹66,000/year (+ GST). Unlimited Centurion & Priority Pass lounge access, ₹25,000 Taj voucher, 5X MR on travel, 1:1 airline transfers, Accor Plus membership. Ultimate luxury card.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- Platinum metal card
- Marriott Bonvoy Gold Elite
- Centurion Lounge access
- Fine Hotels & Resorts program
- Global lounge network
Things to Consider
- ₹75,000 annual fee (increased from ₹60K in March 2026)
- Taj voucher reduced from ₹50K to ₹25K
- Charge card - full payment required
- Limited merchant acceptance in India
- 3.5% forex markup
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Travel BONUS | 5 pts/₹100 | 5X MR on travel (Amex Travel) |
| Shopping | 1 pts/₹100 | 1 MR per ₹50 |
| Dining | 1 pts/₹100 | 1 MR per ₹50 |
| Fuel | — | No MR on fuel |
Domestic Lounges
999 per year
Int'l Lounges
999 per year
Travel Insurance
₹500L cover
Golf Benefits
Complimentary
Concierge
24/7 assistance
Fuel Savings
₹0/mo
Lost Card Cover
₹0
Dining
- •Taj Epicure Plus membership
- •20% off at Fine Hotels
- •Exclusive dining experiences
Shopping
- •Reward points earned on all eligible purchases
- •Contactless (tap-and-pay) enabled
Travel
- •Fine Hotels & Resorts benefits
- •The Hotel Collection perks
- •Centurion Lounge access
- •Overseas Medical Insurance: US$50,000 for first 7 days of trip
- •Fine Hotels & Resorts: benefits worth up to ₹44,300 per stay (room upgrade, late checkout, breakfast, property credit)
- •The Hotel Collection: US$100 experience credit and room upgrade at participating properties
Special Offers & Features
- •Delinquency fee: 5% of unpaid balance (min ₹300/month)
- •Centurion Lounge guest access: $50/visit ($30 children 2-17), complimentary after $75,000 annual eligible spend
- •Centurion Lounge complimentary guest threshold: $75,000 in eligible purchases per calendar year
EMI Options
- •Plan It EMI on purchases above Rs.3,000
- •Tenure: 3, 6, 9, 12, 18, 24 months
- •Transparent fixed monthly fee
Reward Transfer Partners
Singapore Airlines
British Airways
Cathay Pacific
Delta Airlines
Air France-KLM
Emirates
Marriott Bonvoy
Hilton Honors
Taj InnerCircle
Card Features
Mobile Wallet Support
CardSahayak Score
"Apply Now" takes you to American Express's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on American Express Platinum
Amex Platinum: Complimentary Centurion Lounge Access
Complimentary Centurion Lounge access for Platinum cardholders. Guests: $50/visit ($30 children 2-17), or complimentary after $75,000 annual eligible spend.
Visit any Centurion Lounge worldwide — present your Amex Platinum card at the entrance.
Up to 2 guests can accompany you at no additional charge.
Access includes complimentary food, beverages, Wi-Fi, showers, and spa services.
New Mumbai T2 Centurion Lounge opening April 2026 — also included in this benefit.
Valid for primary and supplementary American Express Platinum cardholders. 2 guests per visit included. Food & beverages complimentary. Extended through December 2027. Annual fee ₹66,000 + GST.
Air India: 10X Rewards on Flight Bookings with Amex
Earn up to 10X Membership Rewards points on Air India flight bookings. Valid for Centurion and Platinum cardholders.
Valid for American Express Centurion and Platinum cardholders only. Points credited within 120 days.
MakeMyTrip
Experience luxury travel with American Express Cards on MakeMyTrip. Enjoy a flat 10% instant discount up to ₹3,000 on flights and luxury hotels with code AMEXMMT.
Step 2: Search for domestic/international flights or luxury hotels totaling ₹10,000+.
Step 3: Enter promo code AMEXMMT on payment review screen.
Step 4: Pay with American Express Card to get up to ₹3,000 instant discount.
Valid on flight and hotel bookings across India and international routes. Minimum spend of ₹10,000 required. Maximum discount of ₹3,000 per booking. Valid once per cardholder per calendar month.
Tata CLiQ Luxury
Indulge in designer couture, luxury watches, and fine lifestyle accessories. American Express Cardholders get flat 10% instant discount up to ₹2,500 on Tata CLiQ Luxury.
Step 2: Add designer fashion, watches, or accessories worth ₹7,500 or more.
Step 3: Enter promo code AMEXTATACLIQ at checkout.
Step 4: Pay with your American Express Card to get 10% instant discount up to ₹2,500.
Valid on eligible luxury brands on Tata CLiQ Luxury. Minimum transaction value of ₹7,500 required. Maximum instant discount is ₹2,500 per transaction. Valid once per cardholder per calendar month.
Frequently Asked Questions
Everything you need to know about American Express Platinum
- • Min age: 21 years
- • Salaried: ₹300,000/month min
- • Self-employed: ₹450,000/month min
- • CIBIL: 750+ recommended
- ✓ Domestic: 999 per year
- ✓ International: 999 per year
- → Unlimited access to American Express Centurion Lounges and Escape Lounges worldwide
- → Unlimited access to over 1,400 lounges globally via complimentary Priority Pass membership
- → Complimentary lounge access across domestic airport lounges in India
- → Up to 4 complimentary supplementary cards receive full lounge access privileges
- • Instant: Pre-approved American Express customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for American Express Platinum today and unlock amazing rewards and premium experiences.
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