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Amex Platinum Reserve credit card

American Express

Amex Platinum Reserve Credit Card

Best for travel, premium

₹5,000/yr annual fee · 5x rewards

Amex

By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review

Annual fee

₹5,000/yr

Reward rate

5x

Min. income

₹6,00,000

Forex markup

Not published

Lounge access

Domestic + international

Eligibility

₹6 lakh/yr · CIBIL 750+

Reward cap

No cap

Welcome benefit

Tier-based milestones (legacy)

Who is this for

  • Frequent traveller
  • Premium cardholder

What we like

  • Priority Pass lounge access (legacy product)
  • Welcome gift up to INR 60,000 on INR 50,000 spends

Watch out for

  • ₹5,000 non-waiver joining fee
  • ₹1,000 late-payment fee

Issuer

Bank

American Express

Foreign bank

All American Express cards →

Headquarters

Gurugram, Haryana

Established 1972

Toll-free

1800-419-3344

Website

www.americanexpress.com/en-in

Network

Amex

See all cards on this network

Fees and charges

Fee Amount Waiver
Joining fee ₹5,000 Not waivable
Annual fee ₹5,000 No spend-based waiver (legacy product)
Forex markup Not published Not waivable
Late payment ₹1,000 Not waivable

Rewards

Spend category Rate Cap Redemption
TRAVEL 5.00 — 0.50
All spends 1 Membership Rewards Point per ₹50 spent No cap 1 MR Point ≈ ₹0.50

Benefits

  • Domestic lounge access

    Unlimited domestic (legacy benefit)

  • International lounge access Highlight

    Priority Pass membership (legacy)

  • Milestone benefits Highlight

    Tier-based milestones (legacy)

  • Fuel surcharge waiver

    0% at HPCL

Eligibility

Age
18–65 years
Min. income
₹6,00,000
Min. credit score
750+
Score note
Excellent credit score
Employment
Salaried, self-employed
Documents
PAN, Aadhaar, income proof

Amex Platinum Reserve Credit Card is an Amex credit card from American Express. It is best suited for travel, premium.

Fees and rewards

  • Annual fee: ₹5000
  • Joining fee: ₹5000
  • Rewards: 5X on travel; 1X elsewhere

Eligibility

PAN, Aadhaar, income proof

Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.

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Last reviewed · How we review

FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.

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Frequently asked questions

Is the Amex Platinum Reserve Credit Card worth it?
Amex Platinum Reserve Credit Card is a credit card issued by American Express. Whether it is worth it depends on your monthly spend pattern and whether the annual fee (if any) is waivable. Compare the fee and reward rate on this page against your expected annual spend to make an informed decision.

What is the annual fee for the Amex Platinum Reserve Credit Card?
Amex Platinum Reserve Credit Card charges ₹5,000 as the annual fee. Most issuers waive it on minimum annual spends — check the fee tile on this page for the waiver condition.

How does the Amex Platinum Reserve Credit Card reward rate work?
Amex Platinum Reserve Credit Card earns 5x base reward rate on all spends. Each card's rewards tile on this page shows the category-wise multipliers and any monthly or yearly caps.
Show 3 more questions

What are the eligibility requirements for the Amex Platinum Reserve Credit Card?
To qualify for Amex Platinum Reserve Credit Card, you typically need: minimum annual income ₹6,00,000; CIBIL score of 750+; Salaried / self-employed only. The eligibility tile on this page has the full published criteria.

Does the Amex Platinum Reserve Credit Card offer airport lounge access?
Unlimited domestic (legacy benefit); Priority Pass membership (legacy)

What is the forex markup on the Amex Platinum Reserve Credit Card?
Forex markup details for Amex Platinum Reserve Credit Card are not published on FinWiz24.

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