The American Express® Platinum Card is a high-end card with no fixed spending limit. It gives you free memberships to popular hotel programs like Taj, Hilton, Marriott, and Radisson, which is very useful for people who travel often. With this card, you also get free access to airport lounges around the world, free golf games and lessons at top golf courses, special entry to VIP events, and help from the Platinum Concierge service whenever you need it. Even though the reward rate is not very high, the many ways to use points and the premium travel and lifestyle benefits make this card special for those who like comfort and luxury.
American Express Platinum Credit Card Rewards Program
Rewards Program
Earn 1 Membership Reward Point for every ₹40 spent.
Get 3X Reward Points on international spends.
Get 5X Reward Points on spends at popular brands like Myntra, Apple, Dyson, MakeMyTrip, and more (via Reward Multiplier).
Earn 1 Reward Point for every ₹100 spent on fuel.
Get 4 bonus Reward Points for every ₹100 spent on fuel (up to 5,000 bonus points per month).
Redeem points for 500+ options on the Reward Redemption Portal.
Note: Insurance and utility bill payments do not earn reward points.
Points Redemption
Redeem points for products, vouchers, or travel bookings at 1 MR Point = ₹0.25 through the Amex Rewards Catalogue.
Option to transfer points to airline and hotel partners:
Airlines: Asia Miles, British Airways, Emirates, Etihad Guest, Qatar Privilege Club, Singapore Airlines, Virgin Atlantic → 2:1 conversion.
Get vouchers worth up to ₹60,000 when you spend ₹50,000 in the first 2 months and pay the annual fee. You can choose from:
Taj Hotels & Palaces – worth ₹50,000
Reliance Brands Luxe Gift Cards – worth ₹35,000
Postcard Hotels & Resorts – worth ₹60,000
Free Times Ace Membership – access 40+ OTT apps & magazines including Disney+ Hotstar, Amazon Prime Lite, etc.
Get vouchers worth up to ₹35,000 from Taj, Reliance Brands Luxe Gift Card, or Postcard Hotels when you spend ₹20 Lakh in a year.
Hotel Benefits
Enjoy benefits worth ₹44,300 at luxury hotels worldwide like Four Seasons, Ritz-Carlton, and Mandarin Oriental.
Room upgrades at check-in
Free daily breakfast for 2
Guaranteed 4 PM late checkout
Free Wi-Fi
Complimentary US $100 hotel credit for dining/spa/other eligible spends
Domestic Hotel Benefits:
25% off at Taj, SeleQtions, and Vivanta Hotels
50% off on Suites at Oberoi Hotels & Resorts
At Lalit Hotels (minimum 2-night stay): 3rd night free, dinner for two, or spa session.
Complimentary Hotel Memberships (without meeting normal spend requirements):
Marriott Bonvoy Gold Elite Status
Hilton Honors Gold Elite Status
Taj Epicure Plus Membership
Radisson Rewards Premium Status
Hertz Gold Plus Rewards (car rentals)
Accor Plus Traveller Membership
Postcard Hotel Sunshine Club Platinum Tier
I Prefer Titanium Membership (Leela Hotels, Dusit Thani & more)
Benefits via Complimentary Hotel Memberships
Taj Reimagined Epicure Plus
25% off on dining, takeaway, and food deliveries (Qmin)
20% off on spa treatments & salon services
20% off on stays at Taj Hotels, Palaces, and Safari Lodges
Pool access with lunch & wine at ₹3,000/person (up to 4 guests)
Happy hours at Taj Club Lounge (select hotels)
Marriott Bonvoy™ Gold Elite
Free room upgrade at check-in (subject to availability)
10 points per US$1 + 25% bonus points
Late checkout till 2 PM (based on availability)
Bonus points as a welcome gift
Hilton Honors Gold Elite
Free room upgrades + 80% bonus on points
Free continental breakfast / F&B credit at select hotels
Free 5th night on bookings via points
Free Wi-Fi on direct bookings (Hilton.com / Platinum Travel Service)
Choose room & order ahead via Hilton Honors app
Radisson Rewards Premium
Option: 3X points OR up to 20% off stays + 10% off dining
5 points per US$1 on events/meetings
Priority line access
Free room upgrade + early check-in & late checkout
Hertz Gold Plus Rewards® (Car Rentals)
Priority service at counters
Free one-class car upgrade (based on availability)
Up to 15% off rentals + 25% off Prestige Collection
4-hour return grace period
Free additional driver (spouse/partner)
Travel Benefits
Complimentary Lounge Access – 1,300+ lounges worldwide via Amex Global Lounge Collection
American Express Lounges
Priority Pass Lounges
Escape Lounges
The Centurion Lounges
Delta Sky Club (only when flying Delta)
Partner lounges in India
(Note: Guest visits to Centurion Lounges in Delhi & Mumbai are no longer free.)
Airline Benefits
Special offers on airlines like Emirates, Qatar Airways, Virgin Atlantic, Air France, KLM, Delta & more.
Golf Benefits
Unlimited complimentary games + lessons at:
30+ golf courses in India
50+ golf courses abroad
Popular Indian courses include:
Jaypee Greens (Noida)
Prestige Golfshire (Bengaluru)
Kalhaar Blues & Greens (Ahmedabad)
Golden Greens (Gurugram)
Golden Swan Academy (Mumbai)
AKDR Village (Chennai)
Conditions:
Weekday booking: 4 days in advance (India), 15 days (International)
Weekend booking: 10 days in advance (India), 15 days (International)
Only green fee is free (caddy/cart charges extra)
Only one confirmed slot per cardholder at a time
This is not a golf club membership, only green fee waiver
Other Benefits on American Express® Platinum Card
Special access to pre-sale tickets for VIP events like concerts, fashion weeks, Grammy Awards, and more.
Instant cashback up to ₹8,000 on Apple products when shopping at Apple stores or on the website.
Up to 50% off at top restaurants with free EazyDiner Prime Membership, which also gives you a free drink, priority reservations, and a 24×7 VIP helpline.
Free golf games and lessons every year at 30+ golf courses in India and 50+ international courses.
24×7 concierge service to help with reservations, travel assistance, visas, and more.
Travel insurance up to ₹5 Crore, including:
Air accident cover: ₹5 Crore
Overseas medical insurance: USD 50,000
Protection against loss or damage of goods within 90 days of purchase
Fees and Charges
Fee/Charge
Amount/Rate
Annual Fee
Rs. 66,000 plus applicable taxes
Add-on Card Fee
Rs. 10,000 plus applicable taxes
Cash Advance Fee
3.5% of the cash advance amount (Min. Rs. 250)
Forex Markup Fee
3.5%
Things to Know Before you apply
Get this card if:
You travel abroad often and want premium travel benefits.
You stay at luxury 5-star hotels and want to save with complimentary memberships.
You spend a lot and prefer a card with no fixed credit limit.
You can use the airline and hotel benefits multiple times in a year to balance out the high annual fee.
You don’t mind paying a high annual fee for exclusive lifestyle and travel perks.
You are a heavy spender and want to earn good reward points on your spending.
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For American Express Platinum Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
American Express
Airport Lounge Access
Dining
Reward Points
