Priority Pass
American Express
Platinum (Charge)
The American Express® Platinum Card is a super-premium charge card tailored for high-net-worth individuals and frequent international travelers. Unlike typical credit cards, this charge card comes with no pre-set credit limit, giving users substantial purchasing power based on their credit profile and spending history.
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 7 June 2026.
At a Glance
Annual Fee
₹66,000
Joining Fee
₹66,000
Fee Waiver
N/A
Lounge Access
See details
Forex Markup
3.5%
Effective Yield
2.5% – 50%
Our Take
CreditGully Rating
Based on CreditGully editors' analysis. Not influenced by card issuers.
The American Express® Platinum Card is a super-premium charge card tailored for high-net-worth individuals and frequent international travelers. Unlike typical credit cards, this charge card comes with no pre-set credit limit, giving users substantial purchasing power based on their credit profile and spending history. While the card carries a very steep annual fee of Rs. 66,000 plus applicable taxes, cardholders who actively utilize its high-end travel and lifestyle privileges can easily recover and exceed the cost of the fee.
This card stands out primarily for its luxury hotel and lounge benefits. It offers complimentary elite tier memberships to luxury hotel chains such as Marriott Bonvoy, Hilton Honors, Taj, and Radisson, granting cardholders perks like room upgrades, daily breakfast, and late check-outs. Furthermore, its global lounge access spans multiple programs including Priority Pass, Centurion Lounges, and Escape Lounges, which is highly beneficial for international travelers. Cardholders also enjoy extensive golf benefits with unlimited free games and lessons at select premium courses in India and abroad.
The ideal user for the American Express® Platinum Card is a high-spender who frequently stays at five-star hotels, travels internationally, and enjoys premium lifestyle benefits such as golf. To qualify, applicants must meet a minimum income requirement of Rs. 25 LPA for salaried employees or Rs. 15 LPA for self-employed individuals.
What We Like
We highly appreciate that this card grants elite tier memberships across multiple hotel programs rather than basic memberships, alongside unlimited global lounge access across several distinct lounge networks. Additionally, the card offers an outstanding golf program that provides both primary and add-on cardholders with unlimited complimentary games and lessons.
Pros
- ✓Complimentary access to elite status levels across more than five premium hotel loyalty programs.
- ✓Uncapped entry to airport lounges globally through various lounge networks rather than a single partner.
- ✓Special discounted fares and deals with prominent international airlines.
- ✓Free golf sessions and professional coaching with no limit on games for primary and add-on members.
- ✓Increased financial flexibility courtesy of a charge card structure with no predefined spending limit.
Cons
- ✗An exceptionally steep annual fee of Rs. 66,000 plus applicable taxes.
- ✗A high foreign exchange markup rate of 3.5% on international payments.
- ✗A modest standard earning rate of just 1 reward point for every Rs. 40 spent.
Get This Card If
- ✓You frequently stay at 5-star properties and want to save significantly on lodging expenses.
- ✓You can regularly utilize the extensive airline and elite hotel benefits to offset the high annual fee.
- ✓You are a high-spending individual who prefers a charge card with no pre-set credit limit.
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| International Spends (3X Rewards) | 3 Membership Rewards (MR) Points per ₹40 | 3.75% - 7.50% | No Upper Cap |
| Domestic Retail Spends | 1 MR Point per ₹40 spent | 1.25% - 2.50% | No Upper Cap |
| Fuel Spends | 5 MR Points per ₹100 spent | 2.50% - 5.00% | ₹5,000 per transaction for 0% surcharge |
| Excluded Categories | No Points Earned | 0.0% | — |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹0.5 Lakh | Welcome Gift | ₹60,000 (Postcard Voucher) | Spend ₹50k in 60 days to choose vouchers: ₹60k Postcard Hotels, ₹50k Taj, or ₹35k Luxe. |
| ₹20 Lakh | Renewal Milestone | ₹35,000 Voucher | Spend ₹20L in a year to receive a ₹35,000 Taj or Reliance Luxe voucher upon renewal. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| Airline Partners (Standard) | ₹0.50 - ₹1.00 per point1:1 or 2:1 Ratio | Best Value (Partners: Singapore Air, Air India, Flying Blue, Virgin Atlantic) |
| Marriott Bonvoy / Hilton | ₹0.70 - ₹1.20 per point1:1 Ratio | High Value (Wait for 30% transfer bonus campaigns to maximize yield) |
| Statement Credit (Cash) | ₹0.25 per point4:1 Ratio | Avoid (Standard 'Pay with Points' offers poor value for this tier) |
What You Need to Know
Emirates Removal (2026)
Emirates Skywards is no longer a 1:1 transfer partner as of early 2026.
Impact: Massive blow for Dubai/EU travelers; users should pivot to Qatar (via British Airways) or Singapore Air.
Centurion Guest Restriction
Complimentary guest access to Centurion Lounges (Delhi/Mumbai) has been discontinued.
Impact: Families now have to pay for guests unless they hold a Platinum Add-on card.
Meet & Greet Sunset
The complimentary Airport Meet & Greet service was discontinued on Dec 31, 2025.
Impact: A significant loss in 'VIP' experience for frequent flyers.
Insurance/Utility Devaluation
Points are no longer earned on Insurance and Utility payments as of 2026.
Impact: Previously a great way to hit milestones; now purely a retail and travel card.
Essential Fine Print
Reward Exclusions
Fuel and Cash: No Membership Rewards points earned on Fuel, Cash Advances, Government services and late payment fees. Subject to change. Please check American Express website for latest list of exclusions.
Welcome Offer
Welcome Gift worth ₹60,000
Welcome gift worth up to ₹60,000 with option to choose from Taj Hotels, Luxe Gift Card, The Postcard Hotels & Resorts. (You will receive the welcome gift within 6-8 weeks of payment of annual fee and upon net spends of INR 50,000 in first 2 months of Card membership.)
Premium Hotel Memberships
Complimentary membership to Hilton Honors Gold Tier, Marriott Bonvoy™ Gold Elite Status, Radisson premiumTM, Taj epicure reimagined
Lounge Access
Priority PassInternational Lounge Access
Unlimited complimentary access to 1,400+ airport lounges including American Express Centurion Lounges, Priority Pass, Escape Lounges and Delta SkyClub.
Domestic Lounge Access
Unlimited complimentary access to Domestic Partner Lounges in India.
Travel Benefits
Premium Hotel Memberships
Complimentary membership to Hilton Honors Gold Tier, Marriott Bonvoy™ Gold Elite Status, Radisson premiumTM, Taj epicure reimagined
Exclusive Stay Benefits up to ₹44,300
Benefits worth ₹44,300* every time you book at one of the 1000+ properties at one of the 1000+ properties under the Fine Hotels & Resorts collection.
Dining Benefits
EazyDiner Prime
Enjoy up to 50% off at over 1800 premium restaurants in India with complimentary membership to EazyDiner Prime. Other privileges include a complimentary drink, preferential reservations & a 24X7 VIP helplin
Additional Features
Platinum Concierge
24/7 dedicated concierge service for travel, dining, and lifestyle requests.
Metal Card
Iconic contactless metal card design.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹66,000 |
| Annual / Renewal Fee | ₹66,000 |
| Fee Waiver Threshold | N/A |
| Forex Markup | 3.5% |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Income Requirement
Personal annual income of ₹25 Lakhs or above.
Employment Status
Salaried or self-employed with a permanent residential address in India.
Ready to apply for Platinum (Charge)?
Annual fee: ₹66,000
Frequently Asked Questions
Annual fee
₹66,000
2.5% – 50% yield