American Express

Amex

Platinum Reserve

American Express Platinum Reserve

Premium lifestyle and travel card with golf access, luxury memberships (Accor+, Taj Epicure, EazyDiner), and 12 domestic plus 2 international complimentary lounge visits for ₹10,000 annual fee.

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Last reviewed 17 July 2026

Fees

Joining fee

₹10,000

Annual fee

₹10,000

Waiver: 100% of the ₹10,000 renewal fee is waived if total card spend in the immediately preceding membership year is ₹10,00,000 or more

Eligibility

Age: 18+ yrs

Employment: salaried, self employed

Rewards

all other2x points

Welcome benefits

• 11,000 bonus Membership Rewards points welcome gift, on payment of the annual fee and spend of ₹30,000 within 90 days of card membership (first year only)
• ₹1,000 lifestyle voucher (movies or online shopping) each month, up to ₹12,000 a year, when that month's card spend is ₹50,000 or more
• Complimentary Taj Epicure Plus membership (worth ₹10,000 + GST)
• Complimentary EazyDiner Prime membership (worth ₹3,000 + GST)
• Complimentary ALL Accor+ Explorer membership (value not disclosed on Amex's own pages)

Perks

✓Domestic lounge access: 12/yrComplimentary via Amex's domestic lounge program, capped at 3 visits per quarter
✓International lounge access: 2/yr2 complimentary Priority Pass lounge visits per year; further visits are charged at the prevailing per-visit Priority Pass rate. Priority Pass membership itself (US$99 annual fee) is complimentary
✓Fuel surcharge waiver: 1%Capped at ₹5,000/month
✓Forex markup: 3.5%
✓Concierge service
✓Up to 2 complimentary rounds a month across 32+ courses in India, unlocked once card spend reaches ₹50,000 in a qualifying month; Amex's own pages are not fully consistent on whether the qualifying window is the current or preceding month(s), so treat the exact timing as unconfirmed
✓Air accident insurance cover of ₹1 crore when the air ticket itself is purchased on the card
✓Purchase protection against theft or accidental damage within 60 days of purchase (per Amex's official benefits page; exact claim limits not published there)
✓Zero lost-card liability once loss is reported (reporting window not specified on Amex's Platinum Reserve pages)
✓Up to 4 supplementary cards at no extra cost; ₹1,500 for each additional supplementary card
✓0% convenience fee on fuel purchases at HPCL for transactions under ₹5,000 (1% above; different, higher convenience-fee rates apply at BPCL/IOCL and other OMCs per Amex's fee schedule)
✓Emergency card replacement, typically within 2 business days worldwide
✓Referral bonus of up to 1,50,000 Membership Rewards points a year for referring new cardmembers
✓New-card issuance is restricted to residents of a fixed list of roughly 20 Indian metro/tier-1 cities, per Amex's own eligibility page

Common questions

What is the annual fee on the American Express Platinum Reserve?: The joining fee is ₹10,000. The annual fee is ₹10,000. 100% of the ₹10,000 renewal fee is waived if total card spend in the immediately preceding membership year is ₹10,00,000 or more
What are the reward rates on the American Express Platinum Reserve?: American Express Platinum Reserve earns 2x points on all other spends.
Does the American Express Platinum Reserve offer airport lounge access?: Yes: 12 domestic lounge visits per year (Complimentary via Amex's domestic lounge program, capped at 3 visits per quarter) and 2 international lounge visits per year (2 complimentary Priority Pass lounge visits per year; further visits are charged at the prevailing per-visit Priority Pass rate. Priority Pass membership itself (US$99 annual fee) is complimentary).
Who is eligible for the American Express Platinum Reserve?: Applicants typically need a minimum annual income of ₹6,00,000, a minimum age of 18, and must be salaried or self employed. Exact criteria are set by American Express and can vary by application.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

Everything else

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2x points

Estimated annual value—

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₹4,500

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₹5,000

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Annual fee

₹7,999

Up to

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Rewards

all other2x points

Welcome benefits

• 11,000 bonus Membership Rewards points welcome gift, on payment of the annual fee and spend of ₹30,000 within 90 days of card membership (first year only)
• ₹1,000 lifestyle voucher (movies or online shopping) each month, up to ₹12,000 a year, when that month's card spend is ₹50,000 or more
• Complimentary Taj Epicure Plus membership (worth ₹10,000 + GST)
• Complimentary EazyDiner Prime membership (worth ₹3,000 + GST)
• Complimentary ALL Accor+ Explorer membership (value not disclosed on Amex's own pages)

Perks

✓Domestic lounge access: 12/yrComplimentary via Amex's domestic lounge program, capped at 3 visits per quarter

✓International lounge access: 2/yr2 complimentary Priority Pass lounge visits per year; further visits are charged at the prevailing per-visit Priority Pass rate. Priority Pass membership itself (US$99 annual fee) is complimentary

✓Fuel surcharge waiver: 1%Capped at ₹5,000/month

✓Forex markup: 3.5%

✓Concierge service

✓Up to 2 complimentary rounds a month across 32+ courses in India, unlocked once card spend reaches ₹50,000 in a qualifying month; Amex's own pages are not fully consistent on whether the qualifying window is the current or preceding month(s), so treat the exact timing as unconfirmed

✓Air accident insurance cover of ₹1 crore when the air ticket itself is purchased on the card

✓Purchase protection against theft or accidental damage within 60 days of purchase (per Amex's official benefits page; exact claim limits not published there)

✓Zero lost-card liability once loss is reported (reporting window not specified on Amex's Platinum Reserve pages)

✓Up to 4 supplementary cards at no extra cost; ₹1,500 for each additional supplementary card

✓0% convenience fee on fuel purchases at HPCL for transactions under ₹5,000 (1% above; different, higher convenience-fee rates apply at BPCL/IOCL and other OMCs per Amex's fee schedule)

✓Emergency card replacement, typically within 2 business days worldwide

✓Referral bonus of up to 1,50,000 Membership Rewards points a year for referring new cardmembers

✓New-card issuance is restricted to residents of a fixed list of roughly 20 Indian metro/tier-1 cities, per Amex's own eligibility page

Common questions

What is the annual fee on the American Express Platinum Reserve?

The joining fee is ₹10,000. The annual fee is ₹10,000. 100% of the ₹10,000 renewal fee is waived if total card spend in the immediately preceding membership year is ₹10,00,000 or more

What are the reward rates on the American Express Platinum Reserve?

American Express Platinum Reserve earns 2x points on all other spends.

Does the American Express Platinum Reserve offer airport lounge access?

Yes: 12 domestic lounge visits per year (Complimentary via Amex's domestic lounge program, capped at 3 visits per quarter) and 2 international lounge visits per year (2 complimentary Priority Pass lounge visits per year; further visits are charged at the prevailing per-visit Priority Pass rate. Priority Pass membership itself (US$99 annual fee) is complimentary).

Who is eligible for the American Express Platinum Reserve?

Applicants typically need a minimum annual income of ₹6,00,000, a minimum age of 18, and must be salaried or self employed. Exact criteria are set by American Express and can vary by application.

American Express Platinum Reserve

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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