American Express
American Express Platinum Reserve Credit Card
Your rating
Community rating
Joining Fee
₹10,000
Annual Fee
₹10,000
Reward Rate
2%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
2%
Earn rate
2
Points / ₹100
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & Lounge Access
Airport perks included with this card
3 per quarter
Domestic lounge visits
2 per year
International lounge visits
Priority Pass
Included with this card
Things to Keep in Mind
- fuel
- insurance
- utilities
- cash advances
- express cash transactions
- balance transfer
- fees
- EMI conversion at point of sale
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Pros & Cons
- Strong premium lifestyle and dining benefits
- Good hotel and Taj-related privileges
- Membership Rewards points are flexible for travel and vouchers
- International lounge access via Priority Pass
- Excellent customer service and concierge experience
- Premium Amex offers frequently available on travel and luxury brands
- Reward points are more valuable when transferred strategically
- Acceptance is lower than Visa/Mastercard in some offline merchants
- Annual fee is relatively high for the benefits offered
- Base reward rate is average for regular spending
- Best value depends heavily on travel and reward transfers
- Forex markup is relatively high for international spending
- Limited value for users seeking direct cashback
- Lounge access benefits are weaker than newer premium competitors
- Reward redemption can be confusing for beginners
- Annual fee waiver threshold is relatively high
Who is this card for?
High-spending AmEx loyalists who travel frequently and want the AmEx brand experience — hotel benefits, concierge, and Priority Pass lounge access — alongside consistent MR Points accumulation for airline mile transfers.
Quick Links
Data last updated 24 Mar 2026