American Express Platinum ReserveSM Credit Card

  • Home
  • Credit Card
  • American Express Platinum ReserveSM Credit Card

American Express®
Platinum ReserveSM Credit Card

The American Express Platinum ReserveSM credit card ranks as the penultimate top-tier offering from the company, surpassed only by the Platinum card. It's often seen as a card for travelers, thanks to perks like Taj Epicure membership and the Hotel Collection program. Yet, it's more than a travel card, providing an array of other advantages such as special dining privileges, free golf experiences, and movie ticket vouchers.

Apply Now

On American Express Website

Untitled design (1)

Updated: 28-05-2024 02:31:35 PM

Key Highlights of American Express® Platinum ReserveSM Credit Card

Joining Fees Rs. 5000 + GST
Annual Fee Rs. 10000 + GST
Best Suited For Travel, Dining & Shopping
Welcome Benefits Receive 11,000 bonus Membership Rewards Points when you spend a minimum of Rs. 30,000 within the first 90 days after your card is issued.
Rewards Reward Points
Forex Fee 3.5%

Features & Benefits

Amex Platinum Reserve benefits and features, cater to a luxurious lifestyle. Here’s a detailed breakdown:

Welcome Benefit of Amex Platinum Reserve Credit Card

  • 11,000 Membership Rewards Points: As an introductory offer, the American Express Platinum Reserve Credit Card awards these points on spending Rs. 30,000 within 90 days of issuance, subject to the joining fee being paid.

Milestone Benefits:

  • Shopping and Entertainment Vouchers: With the Amex Platinum Reserve, cardholders can earn vouchers from Flipkart, BookMyShow, or other brands worth Rs. 500 on monthly spending of Rs. 25,000.
  • Taj Stays Voucher: A hallmark feature of the Platinum Reserve credit card is the Taj stays voucher worth Rs. 10,000, awarded on annual spending of Rs. 5 lakhs, contingent on the annual fee payment.

Travel Benefits:

  • Airport Lounge Access: The Amex Platinum Reserve card offers 12 complimentary domestic lounge visits per year, limited to 3 per quarter.
  • Priority Pass Membership: Cardholders enjoy complimentary membership for global lounge access, with over 1200 VIP lounges in 120+ countries.
  • Taj Epicure Membership: This exclusive benefit of the American Express Platinum Reserve includes discounts on stays and late check-outs.
  • Hotel Collection Program: Benefits include USD 100 hotel credit and room upgrades at luxury hotel chains.

Dining and Movie Perks:

  • Entertainment Vouchers: The Amex Platinum Reserve card offers a choice of BookMyShow or Flipkart vouchers for monthly spending above Rs. 25,000.
  • Taj Epicure and EazyDiner Prime Memberships: These provide dining discounts and exclusive privileges at various restaurants and bars.

Golf Benefits:

  • Complimentary Golf Rounds: Cardholders of the Platinum Reserve credit card enjoy free rounds of golf and discounted lessons at top golf courses.

Concierge Service:

  • Global Assistance: The 24×7 Platinum concierge service, a notable feature of the Amex Platinum Reserve, offers personalized assistance for various services.

Insurance and Security:

  • Comprehensive Cover: Includes personal air accident insurance and purchase protection, in collaboration with ICICI Lombard.

Earning Reward Points

Maximize your rewards with the American Express Platinum Reserve Credit Card, a premier choice for those seeking value and versatility in their spending. This card stands out in the realm of rewards credit cards, offering a robust rewards program tailored to discerning consumers.

Earning Points with Amex Reserve:

As an Amex Platinum Reserve cardholder, you’ll earn 1 Membership Rewards Point for every Rs. 50 spent. This excludes expenditures on fuel, insurance, utilities, cash transactions, and EMI conversions at the point of sale, ensuring that your everyday spending is more rewarding.

Reward Redemption using Amex Platinum Reserve Card:

The flexibility of the American Express Platinum Reserve card is evident in its redemption options. You can use your accumulated Membership Rewards Points in various ways:

  • E-Vouchers: Redeem points for e-vouchers from American Express’s online shopping portal, adding a layer of convenience to your online shopping experiences.
  • INSTA Purchases: Make offline purchases at stores more rewarding with INSTA redemption options.
  • Bill Payments: Offset your credit card bills using the Cash + Points scheme, a unique feature of the Amex Platinum Reserve.

Transfer to Loyalty Programs: For frequent travelers, the card offers the opportunity to transfer points to a variety of airline and hotel loyalty programs. This includes prestigious partners like Asia Miles, British Airways Executive Club, Club Vistara, Emirates Skywards, Etihad Guest, Finnair Plus, InterMiles Qatar Privilege Club, Singapore KrisFlyer, Virgin Points, Marriott Bonvoy, and Hilton Honors.

Value of Points: The value of Membership Rewards Points varies depending on the redemption method chosen, providing flexibility and choice to suit different preferences and needs.

The American Express Platinum Reserve Credit Card is a powerhouse in the rewards credit card market, designed for those who appreciate the finer things in life and wish to maximize their spending benefits.

Fees and Charges

  • Interest Charge 3.5 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 Fee 4 add-on cards free, Rs. 1,500 / card chargable for each additional card.
    Cash Advance Charges 3.5% of cash advance subject to a minimum charge of Rs 250
    Forex Charges 3.5%
    Fuel Surcharge Waived at HPCL fuel stations for transactions up to Rs. 5,000, 1% surcharge on BPCL and IOCL stations and 2.5% surcharge at all other fuel stations.

Eligibility Criteria

Criteria Details
Minimum Age 18 Years
Occupation Salaried or Self-employed
Minimum Income Requirement Rs. 6      Lakh p.a

Documents Required

The documentation required to get this amazing card is as follows –

Document Type Accepted Proofs
Proof of Identity PAN 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 Address Aadhaar 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 Income Recent Salary Slips (within 3 months), Latest Form 16, Bank Statement (past 3 months)

How Do I Apply

You can apply for an Amex Platinum ReserveSM credit card directly through the American Express website

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’.


Customer Support

If you are an American Express Platinum Reserve Card member, you have exclusive access to dedicated customer support services. In case you need help or wish to report a lost card, you can call the toll-free numbers 1800 419 1255 or 1800 180 1255. Additionally, for further assistance, you can contact the support team at 0124-2801444 or 0124-4650244.

Other Similar Credit Cards From Different Banks

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

Credit Card Annual Fee Key Feature
SBI Elite Credit Card Rs. 5000
  • Welcome e-gift voucher of Rs. 5,000 for spending at premium brands such as Yatra, Marks & Spencer, Hush Puppies/Bata, Pantaloons, and Shoppers Stop.
HDFC Infinia Credit Card Rs. 12,500
  • Enjoy free nights and weekend buffets at select ITC hotels
  • First-year complimentary access to Club Marriott membership
ICICI Emeralde Credit Card Rs. 12,000
  • Enjoy boundless access to both international and domestic airport lounges
  • Receive up to four free golf rounds each month
Axis Magnus Credit Card Rs. 10000
  • Choose from one complimentary* economy class flight ticket across any domestic location and a Tata CLiQ voucher worth Rs.10000 as your annual benefit.

View and improve your credit score -
for free.

  • Know how good your score is
  • Get insights on how to improve it
  • Unlock offers as per your score
Evaluate Now

Credit Cards Trending Offers

Compare Best Credit Cards

To earn max rewards & redeem cashback, value back offers, discounts & exclusive deals. Select the best Credit Card as per need.

American Express® Platinum ReserveSM Credit Card FAQs

Yes, purchases made with the American Express Platinum ReserveSM Credit Card can be converted into EMIs, allowing for more flexible payment options.

The joining fee for the American Express Platinum ReserveSM Credit Card is Rs. 5000 and renewal fee is Rs. 10000.

Yes, the American Express Platinum ReserveSM Credit Card includes purchase protection, safeguarding your purchases against theft or damage under certain conditions.

Cash withdrawal is possible with the American Express Platinum ReserveSM Credit Card, subject to cash advance fees and terms of the card.

Yes, the American Express Platinum ReserveSM Credit Card is an international credit card and can be used globally.

The interest rate on the American Express Platinum ReserveSM Credit Card is 3.5% per month. It’s best to consult the latest rates directly from American Express or through their customer service.

Dues on the American Express Platinum ReserveSM Credit Card can be paid online via net banking, mobile banking apps, or by visiting a bank branch.

Reward points earned on the American Express Platinum ReserveSM Credit Card can be redeemed through the American Express Membership Rewards program, which includes options like e-vouchers, travel bookings, and more.

To contact customer service for the American Express Platinum ReserveSM Credit Card, dial the toll-free numbers 1800 419 1255 or 1800 180 1255, or the alternate numbers 0124-2801444 or 0124-4650244 for assistance.

The eligibility for the American Express Platinum ReserveSM Credit Card typically includes age, income, and credit history requirements. Generally, applicants must be over 18 years old and annual income should be more than Rs 6,00,000.

Yes, cardholders of the American Express Platinum Reserve Credit Card enjoy complimentary airport lounge access, with certain limitations on the number of visits per quarter.

At HPCL fuel stations, transactions up to Rs. 5,000 with the American Express Platinum Reserve Credit Card are exempt from fuel surcharge. For amounts exceeding Rs. 5,000, a 1% surcharge is applied. At BPCL and IOCL stations, a 1% surcharge is levied on all transactions, with a minimum surcharge of Rs. 10. For fuel purchases at other stations, a 2.5% fuel surcharge is imposed, also subject to a minimum of Rs. 10.