American Express® Platinum ReserveSM Credit Card
Fees
₹10,000 + Taxes
Joining & annual
Reward Rate
1 Membership Rewards Point per ₹50 spent (2% base); 3X on select brands via the Rewards Multiplier
Welcome Bonus
Welcome gift benefit on card activation & joining fee payment
Lounge
12 Domestic/yr (3/Qtr) + Priority Pass International
Our Expert Take
The American Express® Platinum ReserveSM Credit Card from American Express offers Luxury Hotel Vouchers, Golf & Airport Lounge Access with an annual fee of ₹10,000 + Taxes.
Pros & Cons
Key Advantages
- 2 complimentary golf rounds/month at 32 premium courses (up to 24/year) on ₹50,000 monthly spend
- 12 domestic lounge visits/year plus a complimentary Priority Pass membership worth $99
- Access to 1,400+ VIP lounges in 100+ countries via Priority Pass
- Fee waiver threshold (Includes 11,000 Membership Rewards points on renewal)
Limitations
- Domestic lounge visits are capped at 3 per quarter
- Golf rounds require ₹50,000 monthly spend to unlock
- Base reward rate of 2% is modest for this fee tier
Key Perks & Spending Milestones
1 Membership Rewards Point per ₹50 spent (2% base); 3X on select brands via the Rewards Multiplier
12 domestic lounge visits/year (3/quarter) plus complimentary Priority Pass membership (1,400+ lounges in 100+ countries)
2 complimentary golf rounds/month at 32 premium courses (up to 24/year), conditional on ₹50,000 monthly spend
11,000 Membership Rewards points on renewal
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Spend milestone
Includes 11,000 Membership Rewards points on renewal
Fees & Charges
Joining fee
₹10,000 + Taxes
Annual fee
₹10,000 + Taxes
Includes 11,000 Membership Rewards points on renewal
Interest rate
3.5% per month (42% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
What's the reward rate on Amex Platinum Reserve?
How many lounge visits does Platinum Reserve offer?
What golf benefit comes with this card?
Compare American Express® Platinum ReserveSM Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| American Express® Platinum ReserveSM Credit Card This Card | ₹10,000 + Taxes | 1 Membership Rewards Point per ₹50 spent (2% base); 3X on select... | 12 Domestic/yr (3/Qtr) + Priority Pass International | 4.8/5 |
| Axis Bank Reserve Credit Card | ₹50,000 + Taxes | 15 EDGE points per ₹200 domestic spend; 30 EDGE points per ₹200... | Unlimited + 12 Guest Visits/yr | 4.9/5 |
| IDFC FIRST Diamond Reserve Credit Card | ₹3,000 + Taxes | Up to 60 points per ₹150 on hotel bookings (10% value-back) and 40... | 8 Domestic + 8 International/yr (₹20K Spend) | 4.9/5 |
| SBI Aurum Card | ₹9,999 + Taxes | 4 Reward Points per ₹100 on all spends (1% base); up to 3.7%... | 4 Domestic/Qtr + Unlimited International | 4.8/5 |