American Express Platinum Reserve Credit Card Review

The american express platinum reserve credit card is one of the most premium credit cards offered by American Express India. Like most other Amex credit cards this card is also designed for high net worth individuals. While it charges Rs. 10,000 as an annual fee, it lets you enjoy; free access to airport lounges, exclusive deals on dining, complimentary golf rounds, etc. More about the american express card benefits are discussed below.

What are the american express® platinum reserve credit card eligibility criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 18 to 65 yrs. 
    • Income: Rs. 6 lakh annually. 
  • For self-employed person:
    • Age: 18 to 65 yrs.
    • Income: Rs. 6 lakh annually. 
  • A good CIBIL Score (Above 760) is required to apply for the american express platinum reserve credit card.

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

  • 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 (Income Tax Return)
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 

Nowadays, all new credit cards come in an inactive state, the users can activate them by generating a four-digit amex credit card atm pin. If you want to know about the amex credit card activation process, then feel free to take a look at our FAQ page.

What are the american express® platinum reserve credit card fees?

  • American express platinum credit card joining fee: Rs. 5000 + GST
  • American express platinum reserve credit card annual fee: Rs. 10,000 + GST

What are the american express platinum reserve credit card benefits?

  • A huge joining bonus to welcome you:

As you complete Rs.30,000 spend transactions with your amex platinum reserve credit card within the first 90 days of your card activation, you can get up to 11,000 bonus rewards as a welcome gift. The joining fee should be paid in time to claim this amex credit card offer

  • Make your every transaction rewarding with a powerful reward scheme:

For every Rs.50 transaction made using your american express platinum reserve card, you can earn 1 reward point. The Amex rewards points are not offered on fuel, utilities, Insurance, Cash transaction, and conversion of EMIs.

  • Travel more comfortably with complimentary lounges access:

This Amex platinum reserve card gives you 3 free quarterly access to most of the domestic Visa and American Express airport lounges. You will also get a complimentary priority pass membership with this american express platinum cardClick here to find the american express platinum reserve credit card lounge access list.

  • Experience exclusive deals on hotel booking:

You will get complimentary premium membership of most of the frontline resorts, hotels, Safaris, etc. which can make your vacations more luxurious. 

  • Earn exclusive deals on dining expenses:

If you use this amex platinum reserve card to pay your dining bills, you will get a 20% discount on your dining bills. The amex dining offers are available at most of the leading domestic restaurants and resorts.

  • Make your weekends entertaining with complimentary golf rounds:

Using this amex platinum card you can get access to most of the leading domestic golf courses. Click here for the complete amex platinum card terms and conditions.

  • Get freedom from paying fuel surcharges:

If you use this amex platinum card to purchase fuel, you get a complete waiver on fuel surcharges. This offer is only applicable at HPCL fuel stations in India. 

  • Complimentary lost card liability coverage to stand for you: 

This card comes with complimentary lost card liability coverage. So if your card ever gets lost or stolen, you just have to report it by calling the american express credit card customer care department, and you will not be liable for anything bad that may happen to your account. 

  • Pay more conveniently with the new contactless payment facility:

This american express platinum reserve card is equipped with an advanced contactless payment facility that allows you to make payments just by placing your card over any POS machine that accepts contactless payments. You can control amex credit card payment options from your american express net banking account

  •  Complimentary purchase protection to protect your orders:

This amex credit card offers a purchase protection facility that gives you coverage against theft, broken goods, damaged products. You can claim it within 60 days. Click here to know more about the american express platinum reserve credit card insurance coverage scheme.

  • Get instant assistance from a multilingual concierge service:

You will get a multilingual concierge service facility to assist you during your travel. Call the amex credit card customer care department to book your free concierge.  

What are the american express platinum credit card charges?

Particulars

Payable amount

Amex credit card cash withdrawal charge.

3.5% against the amount, min Rs. 250 (Check your available american express platinum reserve credit card limit before making a withdrawal)

American express card finance charge.

The american express platinum card interest rate can go up to 3.5% monthly.

Amex credit card foreign transaction fee.

3.50% against the transaction amount.

American express credit card add-on card fee.

None (For up to 4 cards)

How to get in touch with the american express customer care department?

100xGain Ratings: 

6/10

Pros and Cons:

Pros 

Cons 

  • You will get a complimentary priority pass membership with this american express platinum reserve card.
  • You can bag a 20% discount on your dining bills. 
  • You can also enjoy some exclusive deals on hotel booking.
  • This Amex reserve credit card charges no convenience fee on fuel purchases.
  • The rate of earning american express credit card reward points is not that great.
  • You won’t get anything on movies and entertainment categories.

Final Opinion:

After analyzing the benefits I can say that this american express card is quite good in terms of offering dining benefits, reward points, free lounge ad golf access, etc. But the Offered benefits can not quite justify the high annual fee. There are several other good credit cards available at this cost. So I would suggest you take a look at the alternative card options given below. You can also visit our top credit card pages

Alternative cards of the american express platinum reserve card: 

  1. American express platinum card (Best for lounge access, hotel booking, and dining benefits) 
  2. Citibank prestige credit card (Best for lounge access and dining benefits) 
  3. IDFC First Bank Wealth Credit Card (Best for reward points and lounge access benefits) 
  4. Club vistara sbi prime Card (Best for offering free lounge access) 

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