American Express® Platinum Credit Card Review

American Express® Platinum Card is a super-premium travel credit card from American Express. This card is specially designed for top-notch customers, to give them elite class benefits and privileges. This card offers exclusive benefits on hotel and travel booking, lounge access, benefits on flight booing, reward benefit, insurance coverage, fraud and wallet protection facility, and lots more.   

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 18 to 65 yrs. 
    • Income: ₹25 lakh annually. 
  • For self-employed person:
    • Age: 18 to 65 yrs. 
    • Income: ₹15 lakh annually. 
  • Good CIBIL Score (Above 750).

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: ₹60,000 + GST
  • Annual Fee: ₹60,000 + GST


  • Welcome benefit:

With the issuance of the card, you will get 1,00,000 membership rewards or a ₹45,000 gift voucher from Vivanta Hotels or Taj Selection hotels as a welcome gift.   

  • Reward benefit:

This card offers 3X reward points on every international spend, you will also get 1 reward point for each ₹40 transactions made in India. 

You can redeem those reward points very easily for dining, travel, or accessories.  

  • Lounge access:

With this card, you can get access to over 1200 premium airport lounges across the world including – Delta and Priority pass lounges, American Express Proprietary lounges, Centurion® Lounges, etc.

  • Hotel Booking:

You can earn benefits up to ₹37,000 on each hotel and travel booking. This offers applies to some selected hotels and properties. 

You can also have exclusive deals on flight tickets of some of the selected airlines. 

  • Dining:

With this card, you can enjoy up to a 50% discount at over 1800 premium restaurants in India under the EazyDinner Program. 

You can also enjoy the premium experience of dining at most of the frontline restaurants across the world including Cipriani Dubai, Hakkasan London, Zuma Rome, Nobu New York, etc.

  • Insurance coverage:

This card comes with ₹5 Cr coverage against air accidental death. You have to book the flight ticket using this card to claim the coverage. 

You will get ₹50,000 coverage against loss of baggage and travel documents, and $50,000 coverage against emergency medical hospitalization (applicable for the first 7 days of your tour)

You will also get hotel and travel assistance up to ₹2 lakh and also an emergency cash facility. 

  • Lost card liability:

This card also offers fraud protection coverage of ₹15 lakh. You can block your lost or stolen card with just a call.

  • VIP Invitation:

This card brings you invitations to most of the VIP events, you will also get benefits like booking the best seat, pre-sale tickets, etc. 

  • Concierge Service:

If you choose this card you will get a world-class concierge service with it. They can assist you in travel planning, last-minute ticket booking mid-night deliveries, or Sought-after events. 

  • Contactless Payment:

This card comes with an advanced contactless payment facility it is convenient, fast, and also protects your card from skimming.

  • Global acceptance:

This card is globally accepted, you can use this car at any outlet or e-commerce site where the American Express cards are accepted.


  • Cash Withdrawal Charge: 3.5% against the amount, minimum ₹250. 
  • Finance Charge: Not applicable. 
  • Foreign currency transaction: 3.50% against the transaction amount. 

Contact Details:

Call: 1800-419-2122


100xGain Ratings:


Final Opinion:

As said before this card is designed for top-notch customers, it can be beneficial for everyone who can afford it. It offers access to over 1200 premium airport lounges, big savings on hotel and travel booking, big discounts on dining, insurance coverage, lost card liability, concierge service, and lots more. So if you can afford the cost then this card can be a good option for you. 

Although this card offers many premium benefits, there are some drawbacks with this card. The main drawback is the high annual fee, there are lots of credit cards in the market that offers similar benefits at a lower cost, for example, you can go for HDFC Infinia Credit Card it is one of the best premium credit cards available in India. And if you want a premium travel Credit Card then you can go for American Express Platinum Travel Credit Card. 

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