Key Highlights of American Express® Platinum Card

Joining FeesRs. 60000 + GST
Annual FeeRs. 60000 + GST
Best Suited ForTravel & Shopping
Welcome BenefitsHotel stay vouchers from Taj, SeleQtions, and Vivanta worth Rs. 45,000,
RewardsReward Points
Forex Fee3.5%
Income Required

Rs. 25 Lakh p.a. for Salaried Applicants

Rs. 15 Lakh p.a. for Self-employed Applicants

Features & Benefits of American Express® Platinum Card

Embrace the American Express Platinum Credit Card, the pinnacle of luxury and convenience in one sleek package, designed for the elite who demand exceptional service and unparalleled benefits.

Welcome Benefits

Kickstart your journey with the AmEx Platinum Card by earning hotel stay vouchers from Taj, SeleQtions, and Vivanta worth Rs. 45,000, just by spending Rs. 50,000 within the first 60 days.

Travel Advantages: 

The American Express Platinum Charge Card is your passport to comfort, granting unlimited access to select domestic lounges and over 1,200 international lounges. Your travel is enhanced with fast-track upgrades in hotel loyalty programs and up to 25% savings at prestigious Taj, SeleQtions, and Vivanta Hotels. Exclusive airline deals further sweeten your journey, while a global concierge ensures your travel planning is effortless.

Dining and Movie Benefits: 

With the AmEx Platinum Card, savor culinary experiences with up to 50% off at elite restaurants and enjoy a dedicated VIP helpline for reservations, reflecting the exceptional dining privileges that accompany your card.

Golfing Experience: 

Tee off in style at prominent golf courses across India and internationally, courtesy of the American Express Platinum Card.

Fuel Transaction Perks: 

Enjoy a fuel surcharge waiver at HPCL pumps on transactions up to Rs. 5,000, beyond which a 1% surcharge applies. At BPCL and IOCL outlets, a nominal 1% surcharge is levied, with a minimum of Rs. 10. For all other fuel stations, a standard 2.5% surcharge is incurred, with Rs. 10 as the minimum.

Insurance Advantages:

The card provides the following coverage:

  • Life insurance for air travel accidents up to Rs. 5 crore.
  • Compensation for misplaced checked luggage, passports, or documents up to Rs. 50,000.
  • International medical coverage of up to USD 50,000.
  • Insurance against the loss or damage of purchased items within 90 days due to fire, theft, or disasters.
  • Wallet safety and fraud prevention with coverage up to Rs. 15 lakh.
  • Access to emergency accommodation and travel support to a limit of Rs. 2 lakh, along with emergency cash services within India.

Financial Security: 

The American Express Platinum Charge Card assures financial security, with a zero liability policy on reported fraudulent transactions, capping the card holder's liability to a minimum post the stipulated time.

These features are a testament to the card's commitment to enhancing every aspect of the card holder's lifestyle. The AmEx Platinum Card is not just a credit card; it's a key to a realm of exclusivity, offering a blend of luxury, comfort, and security synonymous with the American Express Platinum name.

Also Check: American Express Credit Card Offers 2024

apply amex credit card

Earning Reward Points with American Express® Platinum Card

  • Accumulate 1 Reward Point for each Rs. 40 charged to the card.
  • 3X Reward Points on expenditures incurred internationally.
  • 5X Reward Points when shopping through the Rewards Multiplier platform.
  • Earn 1 Reward Point per Rs. 100 on fuel transactions, plus an extra 4 Reward Points per Rs. 100 spent on fuel, with a monthly limit of 5,000 Reward Points.
  • Note that utility bills and insurance payments do not qualify for reward point accumulation.

Also read: American Express Credit Card Payment

Redeeming Reward Points of American Express® Platinum Card

  • Redeem Membership Rewards Points for e-vouchers at top e-commerce sites like Flipkart through Amex's digital shopping service.
  • Use points at physical stores for INSTA purchases or to contribute towards credit card bills via the Cash + Points option.
  • Transfer points to airline and hotel loyalty programs such as Asia Miles, British Airways Executive Club, Club Vistara, and many more.
  • Book travel accommodations, flights, and unique experiences on the Amex Travel Online platform, with the option to pay fees and taxes with points.
  • Redeem points for various products within the Membership Rewards catalogue, including dining experiences, travel essentials, electronics, and home kitchen items.

American Express® Platinum Card: Fees and Charges

Interest Charge3.5 per month ( 42% per annum)
Late Payment Charges

Outstanding Balance 

Upto Rs.100 - Nil 

Between Rs.101‑ Rs. 500 – Rs.100 

Between Rs. 501-Rs.1,000 – Rs.350 BetweenRs.1001-Rs.10,000– Rs.550 Between Rs.10,001-Rs.25,000 - Rs.800 Between Rs.25,001-Rs.50,000 - Rs.1100 Above Rs.50,000 - Rs.1300

Add-on Card FeeNil upto 2 Add-on Cards
Cash Advance Charges2.5% of cash advance subject to a minimum charge of Rs 300
Forex Charges3.5%
Fuel SurchargeFuel surcharge is waived at all HPCL fuel stations for purchases up to Rs. 5,000, 1% surcharge applicable on BPCL and IOCL stations and 2.5% surcharge applicable at all other fuel stations.

American Express® Platinum Card: Eligibility Criteria

  • Age: Applicants must be over the age of 18.
  • Employment Status: For self-employed individuals, their business should have been operational for at least 12 months. Employed applicants must have a personal annual income of Rs. 25 lakhs or more. Self-employed applicants must have a personal annual income of Rs. 15 lakhs or above.
  • Credit History: A positive credit history with no records of payment defaults is required.
  • Residential Requirement: Applicants must have a current residential address within India.
  • Bank Account: Possession of a savings or current account with an Indian or multinational bank in India is necessary.
  • Tax Status: Applicants must be Resident Indians as per the Income Tax Act of India and agree to notify American Express in case of any change in their residential status.

Also Check: American Express Credit Card Application Status

Documents Required for Amex Platinum Card

The documentation required to get this amazing card is as follows

Document TypeAccepted Proofs
Proof of IdentityPAN Card, Aadhaar Card, Driver’s License, Passport, Voter’s ID, OCI Card, PIO Card, NREGA Job Card, UIDAI Letters, Other government-approved photo ID
Proof of AddressAadhaar Card, Driver’s License, Passport, Recent Utility Bill (within 3 months), Ration Card, Property Registration Document, PIO Card, NREGA Job Card, Bank Statement, Other government-approved address proof
Proof of IncomeRecent Salary Slips (within 3 months), Latest Form 16, Bank Statement (past 3 months)

Customer Support for American Express® Platinum Card

Holders of the American Express Platinum Card can access specialized customer service. For assistance or to report a misplaced card, contact the toll-free numbers 1800 419 1255 or 1800 180 1255. Alternatively, you can reach out at 0124-2801444 or 0124-4650244 for support.

Other Similar Credit Cards From Different Banks

Some other super-premium cards that offer benefits similar to American Express® Platinum Charge Card are listed below:

Credit CardAnnual FeeKey Feature
Axis Reserve Credit CardRs. 50,000
  • Inclusive Priority Pass Membership offering unlimited access
  • Membership to Club ITC Culinaire provided at no extra cost
  • Complimentary membership to Accor Plus
  • Free Club Marriott membership across the Asia Pacific region
HDFC Infinia Credit CardRs. 12,500
  • Enjoy free nights and weekend buffets at select ITC hotels
  • First-year complimentary access to Club Marriott membership
ICICI Emeralde Credit CardRs. 12,000
  • Enjoy boundless access to both international and domestic airport lounges
  • Receive up to four free golf rounds each month
HDFC Diners Club Black Credit CardRs. 10,000
  • Receive complimentary one-year subscriptions to Club Marriott, Forbes, Amazon Prime, Dineout Passport, MMT BLACK, and Times Prime.

How To Apply For Amex Platinum Card Online

You can apply for an Amex Platinum charge card directly through the American Express website and via MyMoneyMantra. 

American Express Credit Card Application Through Amex Online

Step 1: Go to American Express website, select the desired credit card that suits best according to your income levels, nature of expenses and the benefits offered.

Step 2: Provide your personal details including name, date of birth, email address, mobile number and complete residential address. 

Step 3: Quote your PAN, alongside the employment status. 

Step 4: Read the Terms & Conditions and tick the check box for agreeing the same.

Step 5: Click on ‘Agree & Continue’. 

American Express Credit Card Application Through MyMoneyMantra

Step 1: Go to MyMoneyMantra’s American Express credit card page,

Step 2: Click on ‘Apply Now’. You’ll be redirected to the American Express Platinum Charge card page. 

Step 3: Now you can fill in your personal credentials including your name, date of birth, phone number, email address and residential address. 

Step 3: After this, you will be required to share the PAN and employment status. 

Step 4: Tick the check box after reading the Terms & Conditions 

Step 5: Click on ‘Agree & Continue’. 

For American Express cards, an individual can select between an Amex credit card and Amex charge card. Also, you can check the latest credit score beforehand to make sure that your credit profile is in good shape.

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American Express® PLatinum Credit Card FAQs

✅ What is the foreign transaction fee on American Express Platinum card?


The American Express® Platinum Card applies a standard foreign transaction fee of 3.5%. Compared to some premium cards that offer reduced or no foreign exchange fees, this may be seen as a disadvantage for users of the American Express® Platinum Card.

✅ How much cash can I withdraw using Amex Platinum Card?


Cardholders can withdraw cash with the American Express® Platinum Card up to a certain limit, which is Rs. 25,000 every 14 days domestically and USD 750 abroad within the same timeframe. Withdrawals incur a charge of 3.5% of the amount or Rs. 250, whichever is higher.

✅ What is the American Express Platinum Card?


The American Express Platinum Card is a premium charge card offering a wide range of exclusive benefits, including travel perks, lifestyle privileges, and comprehensive rewards programs tailored for the affluent customer.

✅ What kind of rewards can I earn with the Amex Platinum Card?


Cardholders earn Membership Rewards points for every eligible purchase, with opportunities to earn bonus points through various promotions and partner offers.

✅ Are there travel benefits associated with the Amex Platinum Card?


Yes, benefits include complimentary access to airport lounges worldwide, elite status with hotel loyalty programs, travel insurance, and a 24/7 global concierge service.

✅ Does the Amex Platinum Card offer dining benefits?


Yes, cardholders can enjoy exclusive dining privileges, such as up to 50% off at select restaurants and complimentary memberships to dining programs.

✅ Is there a spending limit on the Amex Platinum Card?


The card does not have a pre-set spending limit; however, purchasing power adjusts with the use of the card, payment history, credit record, and financial resources known to American Express.

✅ What kind of customer service can I expect with the Amex Platinum Card?


American Express provides dedicated customer service to Platinum Card members, including personalized assistance and a dedicated helpline for any inquiries or issues.

✅ How does the Amex Platinum Card benefit frequent flyers?


Frequent flyers benefit from complimentary lounge access, special airfare deals, increased rewards on travel spending, and elite status with airline loyalty programs.

✅ Are there any special events or experiences offered to Amex Platinum Card members?


Yes, cardholders have access to exclusive events, experiences, and opportunities such as private sales, VIP events, and unique travel experiences.

✅ How can I apply for the Amex Platinum Card?


Applicants can apply online by clicking the “Apply Now” link on this page and then navigating through the American Express website, providing the required personal and financial information for consideration.