American Express
American Express Platinum Card
This is an invite only card
Top Benefits
Welcome Vouchers Worth up to ₹60,000
on paying the joining fee and spending INR 50,000 within the first 60 days of card membership
Earn 3X Reward Points on all Overseas
spends made in a currency other than Indian Rupees
Best For
Shopping
Online Food Ordering
Dining
Travel
Joining / Annual Fee
Joining Fees
₹77,880 ( ₹66000 + GST )
Annual Fees
₹77,880 ( ₹66000 + GST )
Eligibility
Age
Criteria*
18-60 years
Salary
Criteria*
25LPA
Credit
Rating*
750+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
See if you are eligible for this card
All Card Benefits
- Earn 5 Membership Rewards points per ₹100 on fuel (capped at 5000 points/month)
- 3X Membership Rewards points on overseas spends
- Points redeemable for travel, hotel loyalty programs, and vouchers
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Membership Rewards Point = ₹0.57
Redemption Options
- Travel
- Dining
- Gadgets & Electronics
- Luxury Products
- Airline Miles Transfer
- Hotel Points Transfer
- Shopping Vouchers
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Rent Payment
Insurance Payments
EMI Spends
ATM Cash Withdrawals
Jewellery Purchases
Education Spends
Government-related Transactions
Wallet transactions
Load Money
Bank Charges & Fees
All Reversals
Gambling Transactions
Toll Payments
Security Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
For Spends Waiver
Rent Payment
Insurance Payments
EMI Spends
ATM Cash Withdrawals
Jewellery Purchases
Education Spends
Government-related Transactions
Wallet transactions
Load Money
Bank Charges & Fees
All Reversals
Gambling Transactions
Toll Payments
Security Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.5% |
APR Fees Since American Express Platinum Charge Card is a charge card, there are no finance charges applicable as there is no revolving credit. All charges are due immediately on the statement's due date | Not Applicable |
ATM withdrawal Cash withdrawal services on the American Express Platinum Card are temporarily suspended in India. Internationally, cardmembers can withdraw up to US$750 every 14 days | Not Applicable |
Reward Redemption Fees | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1.8% (Minimum ₹10) is applied to transactions made for booking railway tickets | 1.8% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
Cheque Payment Fees A fee of ₹50 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹50 |
Cash Payment Fees ₹100 cash payment fee per deposit | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 – ₹100 | ₹0 |
| ₹101 – ₹500 | ₹100 |
| ₹501 – ₹1,000 | ₹350 |
| ₹1,001 – ₹5,000 | ₹550 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹1100 |
| Above ₹25,000 | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Top Benefits
Welcome Vouchers Worth up to ₹60,000
on paying the joining fee and spending INR 50,000 within the first 60 days of card membership
Earn 3X Reward Points on all Overseas
spends made in a currency other than Indian Rupees
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