American Express Platinum Reserve Credit Card
American Express
last updated: Nov 14, 2025
₹10,000
₹10,000
2.5%
22 visits/yr
Contents
The American Express Platinum Reserve Credit Card is a premium lifestyle card offering exclusive rewards on travel, dining, and shopping. Enjoy complimentary lounge access, elite memberships like Accor Plus, and superior concierge services tailored for luxury experiences. Ideal for high spenders seeking comprehensive privileges and rewards.
Features of American Express Platinum Reserve Credit Card which makes it unique
Platinum Concierge
Dedicated 24/7 concierge service for travel and lifestyle bookings
Personalized assistance
Premium support unmatched by peers
Accor Plus Membership
Exclusive hotel membership offering discounts and benefits
Savings on stays and dining
Rare inclusion in credit cards
Rewards Structure of American Express Platinum Reserve Credit Card
Base
baseMilestones of American Express Platinum Reserve Credit Card
Monthly Spend Milestone
₹50,000 : ₹1,000 worth gift vouchers
Annual Spend Milestone
₹6,00,000 : Accor Plus Membership
Fees & Charges of American Express Platinum Reserve Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹10,000 |
| Annual Fee | ₹10,000 |
| Forex Markup Fee | 2.5% |
| Cash Advance Fee | 3.5% |
| Late Payment Fee | ₹1,000 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 4% |
Renewal Conditions:Waived on ₹10,00,000 annual spend
Fee Explanation Standard bank rates apply for overdue amounts.
Lounge Access Benefits with American Express Platinum Reserve Credit Card
domestic Lounges
platinumVisits per year: 12
Guest access: Yes
Valid for primary cardholder and guests
international Lounges
silverVisits per year: 10
Guest access: Yes
Access via Priority Pass membership
Insurance Coverage with American Express Platinum Reserve Credit Card
Travel Insurance
₹15,00,000Valid on international trips
Purchase Protection
₹60,000Within 90 days of purchase
Additional Features of American Express Platinum Reserve Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Up to 4 free add-on cards
Welcome Bonus with American Express Platinum Reserve Credit Card
Welcome Bonus: 11,000 Membership Rewards points on ₹30,000 spend in 90 days
Bonus Conditions: Valid for new customers only
Application Process for American Express Platinum Reserve Credit Card
Processing Time
7-10 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via American Express portal
Upload KYC documents
Receive verification call
Card dispatched within 7-10 business days
Required Documents for American Express Platinum Reserve Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
American Express Platinum Reserve Credit Card Merchant Acceptance Network
Domestic Acceptance
Extensive acceptance across India
International Acceptance
Widely accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for American Express Platinum Reserve Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹50,000
Minimum annual income
Self-Employed Applicants
₹60,000
Minimum annual income
Who Can Apply
Important Conditions
- Must have a valid PAN and Aadhaar card.
How Approval Is Decided
- Minimum income ₹50,000/month
- Indian resident
- Credit score above 750
Pros of American Express Platinum Reserve Credit Card
- Generous welcome bonus
- Elite loyalty memberships
- Comprehensive insurance cover
Cons of American Express Platinum Reserve Credit Card
- High joining and annual fees
- High spend threshold for fee waiver
Frequently Asked Questions about American Express Platinum Reserve Credit Card
Is there a joining fee?
Yes, ₹10,000 plus taxes, waived on ₹10L annual spend.
What is the annual fee?
₹10,000 plus applicable taxes each year.
How do I earn welcome bonus points?
Earn 11,000 points on spending ₹30,000 within 90 days of card issuance.
Is lounge access available?
Yes, including domestic and international lounges with guest access.
Are add-on cards free?
Up to 4 add-on cards are issued free of cost.
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