
Overview
American Express Platinum Charge Card is an ultra-premium credit card which comes with luxurious travel and experential benefits against a super hefty fee. This card is meant for people who are into luxurious lifestyle and international travelling. This is not a card wherein you recover the fee with the rewards points, value back or cashback. This is a card wherein you pay a fee for luxurious hotel stays, dining experiences, flight discounts, access to worlds most luxurious airport lounges along with all regular lounges. On top of it, this card is not a typical credit card which comes with a predefined credit limit. This is a Charge Card which comes with a dynamic credit limit which increases as per the spending pattern, timely repayments and credit score. Other difference between a charge card and a credit card is that, the user needs to pay the entire statement due before the due date. There is nothing like minimum payment due. But, you would have understood by now, this card is not meant for people who would actually bother to make a payment anything less than the full due.
Pros
- Lot of options to get discount on luxurious travel spend such as hotels, flights etc.
- One of the best airport lounge access benefit programs with a credit card. It gives access to almost all airport lounges across the world.
- Many options to choose to redeem the reward points
- Reward Points can be redeemed as real cash in statement
- Very attractive instant discount offers from Amex, advertised through its mobile app
- 0% Convenience Fee at HPCL Fuel Stations
Cons
- The joining benefits and renewal benefits do not cover the fee even at the maximum possible value of joining and renewal benefits.
- Most of the benefits are experiential benefits. This card is not for someone who is looking to save money using credit card.
- Airport lounge access is not available for guests. Considering the fee, guest access should have been provided. it would be an issue for people with kids.
- Low Acceptability for both online and offline usage
- No EMI purchase option. Since this is a Charge Card, you need to clear your entire outstanding balance by the monthly due date. You cannot convert any of your purchases to EMI.
Fees & Charges
Joining / Annual Fee
₹ 77,880
Renewal Fee
₹ 77,880
Annual Spend Target for Fee Waiver
₹ 999,999,999
Minimum Annual Income Required
₹ 1,500,000
Rewards and Benefits
Reward Rate
Base Reward Rate: 1.25%, Accelerated Reward Rate: 25%
Base Reward Rate
1.25%
Accelerated Reward Rate
25%
Welcome Benefits
Rs.60,000 worth Giftcards with option to choose from Taj Hotels, Luxe Gift Card, The Postcard Hotels & Resorts, on payment of Joining fee and on spending Rs. 50,000 within first 60 days of Card membership.
Renewal Benefits
On spends on Rs. 20 Lakhs in membership year and payment of renewal fee, get vouchers upto Rs. 35,000 as renewal benefit on the product
Rewards & Cashback Details
- Regular Reward Points: 1 Membership Rewards Point for every Rs.40 spent on your card except for Fuel, Insurance and Utilities.
- Rewards on Fuel: 5 Membership Rewards points for every Rs.100 spent on Fuel.
- Rewards on International Location Spend: 3X Membership Rewards Points on Spend at International Locations
- Amex Reward Multiplier: 5x Membership Reward Points on Amex Reward Multiplier Portal (60+ popular Brands for Hundreds of Giftcards)
- Accelerated Rewards
- 10X Rewards on shopping with Bulgari, Kapoor, Watch Co., BIRKENSTOCK, Forest Essentials & more. You earn 50 Membership Rewards® points on every Rs.200 spent.
- 20X Rewards on shopping with Darveys and RAS Luxury Skincare. You earn 100 Membership Rewards® points on every Rs.200 spent.
- Reward Points never expire
Rewards Redemption
- Transfer to Hotel Loyalty Programs and Airmiles Program. Best option is Marriott Bonvoy Program which gives 1 Marriott Point against each Amex point
- Redeem Reward Points on booking flight and hotel bit.ly/3UoSWQ8
- Redeem Reward Points in your Amex Credit Card Statement as Real Cash at 1 Points = Rs.0.25
Additional Benefits
Domestic Airport Lounge
International Airport Lounge
Dining Benefits
Golf Benefits
Railway Lounge Access
Movie Benefits
Lifestyle Benefits Details
Airport Lounge: Get Free Airport Lounge Access which includes- The Centurion® Lounge: Unlimited Access for Primary Card holder and for 1 Add-on card holder.
- At Escape Lounges – The Centurion® Studio Partner, you can bring two (2) guests with you at no additional cost.
- Priority PassTM Lounges : Priority Pass network lounge access for Primary and One Add-on Card member free outside India. Priority Pass usage in India is paid.
- Delta Sky Club® Lounges when flying Delta
- Lufthansa Lounges: Free access to Primary Card holder. Certain locations will allow guests for a fee.
- Domestic Lounge access is unlimited for Primary and Add-on Card members. But Lounge Access is limited to Metro and Tier-1 cities. Smaller cities like Jaipur, Indore etc. are not accessible.
- Complimentary Daily Breakfast for 2
- Room Upgrade on Arrival basis availability
- Early Check-in basis availability
- Late Check-out basis availability
- US $100 Property credit per stay, to be used during stay on dining, spa and other services
- Access the list of hotels under the Fine Hotel Collection and the benefits at each hotel through this link: bit.ly/49SoCBW
- Some benefits may not be offered by some hotels
- Fully payment for Hotel stay must be made using the Amex Platinum Charge Card to get these benefits.
- Maximum 3 rooms per stay can get these benefits.
- Taj Reimagined Epicure
- Marriott Bonvoy™ Gold Elite Status
- Hilton Honors Gold Status
- Radisson Rewards Premium Status
- Hertz Gold Plus Rewards
- The Postcard Sunshine Club, Platinum Tier
- Accor Plus Membership- Traveler Membership
- I Prefer - Titanium membership
Free Hotel Nights at Oboroi Hotels:
- On every paid two nights receive the third night complimentary.
- Get Room upgrade, subject to availability, at the time of check-in depending upon availability (Not applicable on room to a suite).
- Complimentary breakfast for two guests, per day. On every paid spa therapy enjoy savings of 25%. Complimentary bottle of wine (once during the stay). Complimentary transfers from nearest Airport or Railway Station
- Complimentary EazyDiner Prime Membership to get discounts on payments to restaurents.
- As a Platinum Cardmember, enjoy exclusive deals on some of the world's finest airlines like Emirates, Qatar Airways, Virgin Atlantic, Air France, KLM, Delta Airlines and more.
- Get complimentary golf game play and gold sessions at 30+ golf courses in India and 50+ golf courses internationally.
- Only Green Fee is complimentary. The Cardmember needs to pay for the caddy, cart fee and any other Fee/Charges as applicable.
- Complimentary golf lessons from professionals: at 14 golf courses across 11 cities and are open to primary and Supplementary Cardmembers
- Amex provides a premium concierge service to the Amex Platinum Charge Credit Card holders wherein the cardholder can call the concierge service 24x7. It helps in making dining reservations, plan travel itinerary, make last minute bookings for sought-after events or late night deliveries etc.
- Services which involve 3rd party are chargeable. Some users reported on social media that these 3rd party charges through Amex Concierge are very high as compared to standard market rates. So, be mindful.
- Amex Platinum Card holders get invitations to VIP-only events and access to pre-sale tickets and some of the best seats in the house for concerts, Fashion Weeks, Grammy Awards, Wimbledon etc.
Features & Benefits
Cashback
Reward Points
Airmiles
Airport Lounge
Utility Bills
Insurance
NPS
Education
Government Payment
Fuel
Rent
Gift Cards
Jewellery
Wallet Load
Rewards on EMI
No Cashback / Rewards Categories
All kind of spend earns rewards. No excluded categories.Eligibility & Important Info
Eligibility Criteria
- Age: 18 years or more
- Income (For Salaried): Rs.25 lacs per annum
- Income (For Self-Employed): Rs.15 lacs per annum
- Resident Indian as defined under the Income Tax Act of India
- Residents of Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Kolkata, Indore, Coimbatore, Chandigarh/Tricity, Ahmedabad, Surat, Vadodra, Bhopal, Bhubaneshwar, Ernakulam, Vijaywada, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum , Mysuru , Cuttack & Vizag
- Applicant must have an Indian or multinational bank’s savings or current account in India
Important Links
Save following links to maximise your rewards with American Express Membership Rewards Credit Card.- Amex Reward Multiplier Portal: Get 5x Reward Points on any spend on Amex Reward Multiplier Portal using Amex Platinum Charge Card. Here is the link: bit.ly/4d1AzI3
- Amex Travel Portal to Redeem Points on Flights and Hotels: bit.ly/3UoSWQ8
- Amex Discount Offers on Dining, Travel and other things: bit.ly/3UmIN5h
- Amex Points Transfer to Airmiles and Hotel Loyalty Programs: bit.ly/3TYGXqZ
- Special Benefits (Complimentary Daily Breakfast for 2, Room Upgrade on Arrival, Early Check-in, Late Check-out, US $100 Property credit to be used during stay) at 1000+ Hotels of 96 Luxurious Hotel Brands across the world. Not all properties offer all these benefit. Access the list hotels and the exact benefits available at each property for Platinum Charge Card users through this link: bit.ly/49SoCBW
Add-on Cards
Upto 3 Add-on cards available for freeMedia
American Express Platinum Charge Card Review | Amex Platinum Charge Card Benefits | Amex Unboxing
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