American Express Platinum Charge Card Review

The american express platinum charge card is unmatched when it comes to premium facilities and privileges. It is probably the most premium credit card anyone can get in India. In order to match your elite class lifestyle, it packs some awesome features and benefits like free access to domestic and airport lounges, exclusive benefits on hotel booking and dining, complimentary travel and life insurance coverage, american express credit card reward points, and lots of other privileges that will make your life much smoother. More details about the amex platinum card benefits are discussed below.

What are the american express platinum charge card eligibility criteria?

  • Resident Type: Indian
  • For salaried person:
    • Age: The age of the applicant should be between 18 to 60 years. 
    • Income: The average income of the applicant should be above Rs. 25 lakh annually. 
  • For self-employed person:
    • Age: The age of the applicant should be between 18 to 65 years. 
    • Income: The average annual income of the applicant should be greater than Rs. 15 lakh. 
  • A long relationship with the bank will help you to get this amex platinum card. 
  • An excellent credit score (above 780) is needed to apply for this Amex platinum card.

Once your application is submitted successfully, you can track the american express india credit card application status from the amex card status tracking page, using your unique application id. 

What documents are required to apply for this american express platinum credit card?

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

Due to security reasons, all new credit cards are delivered in an inactive state. So if you want to know how to activate a new american express platinum charge card? then feel free to take a look at our faq page.

What are the american express platinum charge card benefits?

  • Amex platinum card joining fee: Rs. 60,000 + GST
  • American express credit card annual fee: Rs. 60,000 + GST 

What are the amex platinum card benefits? 

  • A huge welcome gift to make a wonderful start for you:

With the issuance of the american express platinum card , you will be welcomed with 1,00,000 membership points, or an elite class gift voucher worth Rs. 45,000 from the Vivanta, or Taj SeleQtions hotel. The welcome gift will be credited to your american express credit card account with the realization of the first year’s joining fee. 

  • Make every transaction rewarding with a powerful reward scheme:

You will be rewarded for every transaction you make using this american express platinum card. The american express credit card membership rewards scheme is discussed in the table below. 

Category of transaction

Total benefit

For every Rs. 40 transactions made using this american express card.                              1 membership point. 
On every international transaction, you make using this amex credit card 3X membership points. 
For every purchase made via Reward Multiplier 5X membership points. 

These american express credit card rewards will never expire and you can use them to pay your dining and travel bills. You can also use them to get a product from the amex platinum charge card reward catalogYou can also check your monthly earned benefits from your american express credit card statement which can be downloaded from the american express credit card app

  • Enjoy free access to airport lounges:

Using this amex platinum credit card you can get unlimited free access to most of the frontline airport lounges (including The Centurion lounges, american express priority pass lounges, Escape lounges, Delta Sky Club lounges, and other domestic airport lounges). You will also get some additional privileges like free Wi-Fi, gourmet cuisines, etc. Click here for the american express platinum charge card lounge access list. 

  • Experience premium travel offers on american express credit card:

This american express card offers complimentary elite-tier membership of some of the frontline travel programs which offer unmatched benefits on travel expenses. 

Name of the program

Facilities

Marriott Bonvoy Gold tier membership (Worth Rs.20,000) Complimentary stay of 10 nights, and up to 5 room upgrades. 
Hilton honors gold tier membership (Worth Rs.10,000)                               Complimentary breakfast and complimentary 5th-night stay. You will also get some benefits from room upgrades. 
Taj Reimagined Epicure Up to 25% discount on foods and beverages, 20% discount on food delivery via Qmin app, 20% discount on salon and spas, 20% discount at some most premium hotels like Taj Safaris. 
Hertz Gold Plus Rewards 15% discount on car rentals, up to 25% discount on the prestige collection, 4 hours of the return grace period, and the privilege of the additional driver. 
Radisson Rewards Gold Status 15% discount on foods and beverages, complimentary room upgrades. 
  • Enjoy a premium dining experience with a huge discount on dining bills:

This Amex platinum charge card gives you complimentary membership of the EasyDiner Prime and The Taj Epicure program. You will also get up to 50% discount at above 1800+ restaurants in India. 

  • A multilingual concierge service to assist you:

In case of any emergency, you will always find the american express concierge service team with you. You will get assistance like travel/hotel booking, golf booking, gift delivery, etc. Call the customer care toll-free number to book your free american express platinum charge card concierge service.

  • Complimentary accidental insurance coverage to support you in emergencies:

On this platinum charge card american express offers complimentary travel and life insurance coverage. The details of the american express platinum charge card insurance coverage scheme are given in the table below. 

Particulars

Total coverage amount

Air accidental death coverage.  Rs. 5 Crore. 
Loss of ticket and travel documents.  Rs. 50,000. 
Overseas medical emergency coverage.  $50,000 (applicable for the first 7 days of your trip). 
Fraud liability coverage.  Rs. 15 lakh. 
Emergency travel and hotel assistance coverage and emergency cash.                 Rs. 2 lakh. 
  • Enjoy premium lifestyle offers on amex credit card :

This american express charge card offers you priority access to most of the VIP events like Grammy Awards, Wimbledon, Fashion Weeks, etc. 

  • Convenient american express credit card payment options:

You can make your american express credit card payment online from your net banking account, or by using any credit card payment app like, Cred, Google Pay, Paytm, Phone Pe, etc. You can find more about the american express credit card online payment methods from here.

  • Pay more conveniently with the improved contactless payment facility:

This amex charge card is equipped with an advanced contactless payment facility. It allows you to make payments by waving your amex credit card over any secure reader machine. 

Due to security reasons, the contactless payment method is limited to Rs. 5000 per transaction. You can also set your own limit from your Amex mobile app. If you notice something suspicious with your american express account, you can temporarily block your card by calling the amex credit card customer care number.

What are the american express credit card charges?

Particulars Payable amount
Amex credit card cash withdrawal charge. 3.5% against the withdrawn amount min Rs. 250 (make sure to check your american express platinum charge card limit before making a withdrawal)
Finance Charges There are no finance charges applicable on this amex platinum charge card. However, if you don’t clear your dues within the due date, you will be charged a delinquency fee on your outstanding balance at the rate of 5% per month.
American express platinum card charges on foreign currency conversion. 3.50% against the transaction amount.
American express charge card add-on card fee. Free for up to 4 cards, beyond that, it will be Rs. 10,000 per card.

How american express platinum credit card customer service contact details:

100xGain Ratings: 

8/10

Pros and Cons of the amex platinum card:

Pros

Cons

  • This american express platinum card is loaded with unmatched premium benefits and features.
  • The american express platinum charge card offers complimentary membership to some of the finest hotel programs.
  • The reward earning rate is very good.
  • This american express credit card offers a massive discount on dining bills.
  • The annual american express platinum credit card annual fee is very high.
  • There are no fuel benefits on this platinum charge card.

Final Opinion:

Now the question is whether you should go for this american express platinum credit card or not? The answer completely depends on you. If you can budget the annual fee of Rs. 60,000 then it will be a very good option for you. Using the privileges and the american express platinum charge card benefits, you will be able to save a ton of money. 

But if the annual fee is too much for you, then I would recommend you take a look at the 100xGain top credit card page, it will help you to find a card within your budget. You can also compare the alternative card options given below.

Alternative cards of the american express platinum charge card:

  1. Citi rewards credit card (Best for offering reward points and dining benefits) 
  2. Axis bank ace credit card (Best for offering cashback, lounge access, and dining benefits)
  3. HDFC Bank Diners Club Rewardz Credit Card (Best for reward points and travel-related benefits)
  4. HDFC all miles credit card (Best for offering reward points and fuel surcharge waivers) 

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