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 card benefits are discussed below.

American Express Credit 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.

Required Documents 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

You can apply for american express credit card from the Amex credit card online application portal. Once your application is submitted successfully, you can track the american express india credit card application status from the amex card status tracking page. 

Amex Platinum Card Fees:

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

Amex Platinum Card Benefits:

Let’s check out the benefits of American Express card are discussed below. 

  • Welcome benefit:

With the issuance of the american express platinum card , you will be welcomed with 1,00,000 membership points, or a premium 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. 

  • Accelerated rewards:

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 card 1 membership point
On every international transaction, you make using this 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 catalog. You can check your monthly earned benefits from your american express credit card statement which can be downloaded from the american express credit card app 

  • 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. 

  • Premium travel offers on american express credit card:

Name of the program Worth in Rs. Facilities
Marriott Bonvoy Gold tire membership Rs. 20,000 Complimentary stay of 10 nights, and up to 5 room upgrades. 
Hilton honors gold tire membership 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. 
  • Premium dining experience:

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. 

  • Personalized multilingual concierge service:

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. 

  • Accidental insurance coverage:

On this platinum charge card, american express offers complimentary travel and life insurance coverage. The details 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
  • Premium lifestyle offers on amex credit card:

You will get 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. You can find more about the american express credit card online payment methods and the american express credit card ifsc code from here.

  • Advanced contactless payment system:

This amex charge card is equipped with an advanced contactless payment facility. This advanced payment method allows you to make payments by waving your 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 the net banking account. 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.

American Express Credit Card Charges:

Particulars Payable amount
Amex credit card cash withdrawal charge 3.5% against the withdrawn amount (min Rs. 250)
Finance Charges* You can’t revolve the overdue balance on this card, so there are no finance charges applicable on this card
Foreign currency conversion charge 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

*Although there are no finance charges applicable on this card, you are advised to pay your outstanding balance within the due date. You can also set a monthly transaction limit for your card using the Amex net banking account.

American Express Platinum Credit Card Customer Service Contact Details:

  • Call the american express credit card customer service number : 1800-419-1222 (Toll-free) or 0124-280-1222
  • Write to the american express credit card mail id: [email protected] 

100xGain Ratings:

8/10

Final Opinion:

Now the question is whether you should go for this 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 benefits offered by this card, 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 10 premium credit card page, it will help you to find a card within your budget.  

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