Amex Platinum
American Express · Amex
Amex Platinum is the ultimate luxury card with metal design, Centurion lounges, hotel elite status, and global dining credits.
Annual Fee
₹60,000
Joining Fee
₹60,000
Base Reward Rate
1.25X
₹2.5/pt
Min CIBIL
750
₹30L+ income
Key Features
Welcome Benefits
Complimentary Marriott Bonvoy Gold Elite Status
Automatic Gold Elite status with room upgrades, late checkout and bonus points at 8,000+ Marriott properties worldwide
Complimentary Hilton Honors Gold Status
Automatic Gold status with room upgrades, complimentary breakfast and 80% bonus points at 7,000+ Hilton properties
Fine Hotels + Resorts Access
Access to 1,600+ luxury properties with guaranteed room upgrades, daily breakfast for two, late 4pm checkout and a unique amenity worth ₹10,000+
Unlimited Centurion Lounge Access
Complimentary access to Amex Centurion Lounges worldwide including guest access — premium dining, spa and business facilities
₹10,000 Annual Birthday Taj Voucher
Receive a ₹10,000 Taj Hotels room-stay voucher every year around your birthday — combinable with other vouchers for a single stay
Reward Rates by Category
Dining
5X
Travel
5X
Online
1.25X
Shopping
1.25X
Grocery
1.25X
Fuel
1X
Utilities
1X
Other
1.25X
Milestone Benefits
10,000 Bonus MR Points
Earn 10,000 additional Membership Rewards points on reaching ₹15 lakhs in annual spends
Annual
25,000 Bonus MR Points
Earn an additional 25,000 MR points on reaching ₹40 lakhs in annual spends
Annual
Airport Lounge Access
Domestic
Unlimited
International
Unlimited
Insurance & Protection
Air Accident Cover
Comprehensive air accident insurance when tickets are purchased on the Amex Platinum card
Emergency Medical Expenses (Overseas)
Covers hospitalisation and emergency treatment costs while travelling internationally
Trip Cancellation & Interruption
Reimburses non-refundable costs if your trip is cancelled due to illness, injury or other covered reasons
Baggage Loss & Delay
Covers checked baggage loss, theft or delay beyond 8 hours on international travel
Purchase Protection
Covers theft or accidental damage of eligible purchases within 90 days
Zero Liability on Lost Card
Full protection against unauthorised transactions — report within 3 days of discovering card loss
Pros
- Centurion lounge access worldwide
- Marriott Gold / Hilton Gold status
- Rs 10K Taj/ITC credit annually
- Global dining credits
- Metal card design
- Uber credits
Cons
- Rs 60,000 annual fee
- Very high income requirement
- Limited acceptance in India
Redemption Options
Hotel stays
Flight tickets
Statement credit
Transfer Partners
Marriott Bonvoy
1:1Hilton Honors
1:2Singapore Airlines
2:1Frequently Asked Questions
What is the annual fee for the Amex Platinum card?+
What is a charge card and how does it differ from a credit card?+
Do Membership Rewards points expire?+
Which lounges can I access with Amex Platinum?+
Which airline programmes can I transfer points to?+
What hotel status comes with Amex Platinum?+
Ready to apply?
Apply on the American Express website. Usually takes 10 minutes.
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Amex Platinum
₹60,000/yr · 1.25X rewards
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