Amex Reserve credit card

Amex Reserve

American Express · Amex

Amex Reserve offers Accor Plus membership and premium travel perks for luxury travellers.

Annual Fee

₹12,000

Joining Fee

₹12,000

Base Reward Rate

4X

₹0.75/pt

Min CIBIL

750

₹15L+ income

Key Features

Complimentary Taj Epicure Plus membership
Complimentary EazyDiner Prime membership
Accor Plus membership with 1 complimentary hotel night annually
Priority Pass membership for international lounge access
12 complimentary domestic airport lounge visits per year
Golf privileges at 32+ courses across India (2 rounds/month)
Up to 4 complimentary supplementary cards at no extra cost
Zero liability protection on lost or stolen card
Health & wellness discounts at Fortis, Max and Texas Medical
24/7 Amex Global Assist concierge service

Welcome Benefits

✓

11,000 Bonus Membership Rewards Points

Earn 11,000 MR points on card enrollment — redeemable for flights, hotels, gift vouchers or statement credit

✓

₹12,000 Entertainment & Shopping Vouchers

Annual vouchers worth ₹12,000 for movies, dining and lifestyle spends

✓

Taj Epicure Plus Membership

Complimentary Taj Epicure Plus membership — dine, stay and enjoy exclusive privileges at Taj Hotels across India

✓

EazyDiner Prime Membership

Complimentary EazyDiner Prime with guaranteed table reservations and up to 25% off at 10,000+ restaurants

Reward Rates by Category

Dining

8X

Travel

8X

Online

4X

Shopping

4X

Grocery

4X

Fuel

1X

Utilities

1X

Other

4X

Milestone Benefits

₹5.0 L

₹10,000 Taj Stay Voucher

Spend ₹5 lakhs annually and renew your membership to receive a complimentary ₹10,000 Taj Hotels room-stay voucher

Annual

Airport Lounge Access

Domestic

Unlimited

International

6 visits/year

Insurance & Protection

Purchase Protection

Full replacement or refund within 60 days if an eligible item is stolen or accidentally damaged

Up to ₹50,000

Zero Liability on Fraud

Complete protection against unauthorised transactions on lost or stolen card — report within 3 days

100% of fraudulent charges

Emergency Card Replacement

Replacement card delivered anywhere in the world within 24–48 hours

Emergency replacement

Pros

  • Complimentary Accor Plus membership
  • Premium lounge access worldwide
  • High reward rate on travel & dining
  • Travel insurance coverage
  • Taj InnerCircle membership

Cons

  • High annual fee of ₹12,000
  • Amex acceptance can be limited in India
  • High income requirement

Frequently Asked Questions

What is the annual fee for the Amex Platinum Reserve?+
The annual membership fee is ₹10,000 plus applicable taxes. The joining fee for the first year is also ₹10,000.
Do Membership Rewards points expire?+
Amex MR points do not expire as long as your account is open and in good standing. Redeem them anytime for flights, hotels, vouchers or statement credit.
How many airport lounge visits do I get?+
You get 12 complimentary domestic airport lounge visits per year. Priority Pass membership covers international lounges at 1,300+ airports worldwide.
What is the minimum income required?+
You need a minimum annual income of ₹6 lakhs. The card is available to residents of 21 select cities in India.
Is there a milestone benefit?+
Yes — spend ₹5 lakhs in a membership year and pay your renewal fee to receive a ₹10,000 Taj Hotels stay voucher redeemable at participating properties.

Ready to apply?

Apply on the American Express website. Usually takes 10 minutes.

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Amex Reserve

₹12,000/yr · 4X rewards