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American Express Platinum Card
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American Express Platinum Card

American Express

Joining Fee₹66,000Renewal Fee₹66,000
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Last verified: 26 Sept 2026

Reward Program

Membership Rewards Points1 point = ₹0.58

Redemption fee: 0

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Managed via American Express Membership Rewards

Transfer partners

The 24 Karat Gold Collection at 24,000 Membership Rewards points → a Taj voucher worth ₹14,000, which is ₹0.583 a point and the strict Rule 5 maximum of Amex's own published table.The same 24,000 points → a Shoppers Stop voucher worth ₹10,000 (₹0.417), a Tata CLiQ or Tanishq voucher worth ₹9,000 (₹0.375), or an Amazon, Flipkart or Reliance Digital voucher worth ₹8,000 (₹0.333) — the commonest choices pay 43% less than the Taj option.The 18 Karat Gold Collection at 18,000 points → a Taj voucher worth ₹9,000 (₹0.50), or Amazon and Flipkart at ₹6,000 (₹0.333).Transfer to airline and hotel loyalty programmes — Amex names this as a redemption route but publishes neither the partner list nor the ratios outside account login.Pay with Points against eligible purchases, at statement level or at point of sale. No rupee rate is published for this channel.

Live Offers

No active offers for this card right now.

Benefits

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Lounge Access

999 domestic visits/quarter

999 international visits/quarter

American Express Global Lounge Collection — access to 1,550+ airport lounges across 140+ countries, including The Centurion Lounge, Delta Sky Club (when flying Delta), Priority Pass, Escape Lounges and domestic partner lounges in India. 999 is this dataset's sentinel for unlimited access; Amex publishes no per-quarter visit limit.

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Fuel Surcharge Waiver

None. American Express withdrew Membership Rewards earning on fuel effective 12 June 2025 and levies a 1% convenience fee on fuel transactions above ₹5,000. There is no surcharge waiver on any card in this range.

₹60,000🎁

Welcome Benefit

A welcome gift worth up to ₹60,000, with a choice of Taj Hotels, Luxe Gift Card, or The Postcard Hotels & Resorts. Requires payment of the annual fee and net spends of ₹50,000 in the first 2 months of cardmembership; delivered within 6–8 weeks.

₹35,000🔄

Annual Benefit

Vouchers worth up to ₹35,000 as a renewal benefit, on spends of ₹20 lakh in the membership year and payment of the renewal fee.

Fine Hotels & Resorts benefits worth up to ₹44,300 per booking, across 1,000+ properties.

American Express Global Lounge Collection — 1,550+ lounges in 140+ countries, including Centurion Lounges, Delta Sky Clubs, Priority Pass and Escape Lounges.

There is no flat renewal benefit. Recurring value sits in the fee waiver and in any milestones recorded in the milestones array.

Insurance Cover

  • air accident death₹5,00,00,000

  • overseas medicalNot disclosed

  • baggage and documents₹50,000

Milestone Benefits

Spend ₹20,00,000/yearVouchers worth up to ₹35,000 as a renewal benefit.₹35,000 total by this tier · 1.75% effective rate

Reward Calculator

Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.

What this card is worth

Open a section and enter what you actually spend. Everything updates as you type.

Fees & Charges

Joining Fee₹66,000/yr
Renewal Fee₹66,000/yr
Forex Markup3.5%
Interest Rate—
Cash Advance Fee3.5% of the cash advance amount, subject to a minimum of ₹250.
Reward Redemption Fee0

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