American Express Platinum Reserve Credit Card Review

American Express Platinum Reserve Credit Card is a credit card that is specially designed to offer elite class benefits and privileges. With this card, you can enjoy travel benefits, lounge access, best deals on hotel dining flight tickets, and access to most of the front line premium gulf courses and lots more. Also, you can earn easy reward points on every transaction, etc. now let’s go deeper and see if it worth the ₹10,000 annual fees or not. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 18 to 65 yrs. 
    • Income: ₹6 lakh annually. 
  • For self-employed person:
    • Age: 18 to 65 yrs.
    • Income: ₹6 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: ₹5000 + GST
  • Annual Fee: ₹10,000 + GST


  • Welcome benefit:

If you choose this card you will get 11,000 reward points as a welcome gift. You have to pay the joining fee in time and spend ₹30,000 within the first 90 days of the card issuance to claim this offer.

  • Reward benefit:

This card offers one reward point for each ₹50 transactions made with this card. You cannot earn reward points on fuel, utilities, Insurance, Cash transaction, and conversion of EMIs. 

  • Lounge access:

With this card, you can now enjoy free access to most of the leading domestic visa and American Express lounges. Also, you will get a free priority pass membership with this card.

  • Hotel Booking:

This card offers premium membership of most of the frontline resorts, hotels, Safaries, etc. which can make your lifestyle more premium.

  • Dining:

With this card, you can enjoy dining at most of the leading restaurants and resorts with up to a 20% discount on your dining bill. 

  • Golf:

This card gives you access to most of the premium golf courses in India. 

  • Fuel surcharge waiver:

If you choose this card you will enjoy a 0% convenience fee on fuel purchase. This offer applies to any HPCL petrol pumps in India. 

  • Lost card liability:

American express offers zero liability against lost or stolen cards. To get the maximum benefit of this offer you have to report the loss as soon as you notice it. 

  • Add-on facility:

You can share the awesome features of your cards with your loved ones. Just add your loved ones, (min age – 18+) with your card and they can also the features of a credit card.

  • Contactless payment:

This card comes with an advanced contactless payment facility. This feature is convenient and it also protects your card against skimming. 

  •  Purchase protection 

This card offers a purchase protection facility it gives you coverage against theft, broken goods, damaged products. You can claim within 60 days. 

  •  Amex Pay:

With this feature, you can pay using the QR code or through your phone using the Amex app. You can also make contactless payments with your eligible mobile wherever the American Express card is accepted.

  • Concierge Service:

This card offers a 24X7 active concierge service. You can ask for any assistance from them whenever you need it.  


  • Cash Withdrawal Charge: 3.5% against the amount, min ₹250.
  • Finance Charge: 3.5% monthly.
  • Foreign currency transaction: 3.50% against the transaction amount. 

Contact Details:

Call: 1800-419-1414


Mail: [email protected] 

100xGain Ratings:


Final Opinion:

If you want a premium quality credit card that can offer big benefits and privileges, then this card can be a good option for you. It offers airport lounge access, golf benefit, complimentary membership of premium hotels, dining, fuel surcharge waiver, etc. 

But the major drawback of the card is its high annual fee, which cannot be justified by the benefits offered by this card. At this cost, you can get a much better credit Card like HDFC Infinia Card, and if you want to spend less then you can go for RBL Bank Icon Card or Axis Bank Select Credit Card. 

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