Experience Luxury with the American Express Platinum ReserveSM Credit Card

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

14 Apr 26
6 mins

Sandipan Mitra

08 Mins
14-04-26

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Table of Contents

American Express Platinum ReserveSM Credit Card Benefits
American Express Platinum ReserveSM Credit Card Charges
Easy EMI Options with Amex Platinum ReserveSM Credit Card
American Express Platinum ReserveSM Credit Card Eligibility

Get benefits worth up to ₹80,000 based on your spending.
Enjoy 12 domestic lounge visits and 2 international lounge visits.
Get ₹1 crore air accident insurance coverage benefit.
Receive ₹3000 dining membership with premium restaurant access.
Get a complimentary ALL Accor+ Explorer membership.

The American Express Platinum ReserveSM Credit Card is a premium card designed for everyday rewards and lifestyle benefits. It lets you extend these benefits to your family by offering up to 4 supplementary cards for free.

It offers a welcome gift of 11,000 bonus Membership Rewards points. The joining and annual fee is ₹10,000+taxes. The annual fee can be waived after eligible spending.

You earn 1 reward point for every ₹50 spent on most transactions. However, spending on fuel, insurance, utilities, cash withdrawals, and EMI conversions does not earn reward points.

American Express Platinum ReserveSM Credit Card Benefits

Earn 5X rewards on top brands with RewardXcelerator and 3X rewards on 50+ brands through Reward Multiplier. Here are the other benefits of this credit card:

Monthly Voucher Rewards: Earn vouchers worth ₹12,000 yearly by spending ₹50,000 monthly, redeemable across brands like Tata CLiQ, BookMyShow, and MakeMyTrip.
Airport Lounge Access: Enjoy 12 domestic lounge visits yearly, limited to 3 per quarter, plus 2 complimentary international lounge visits via Priority Pass.
Accor Plus Membership: Get a complimentary ALL Accor+ Explorer membership with up to 15% discount on hotel stays worldwide and exclusive travel privileges.
Dining Membership Benefit: Enjoy a complimentary EazyDiner Prime membership worth ₹3,000, with access to premium restaurants and attractive dining discounts across India.
Purchase Protection Cover: Get protection on purchases against theft or damage within 60 days, with claims required within 30 days of the incident.
Golf Privileges Access: Access 30+ golf courses twice monthly without green fees on spending ₹50,000 in prior months, with discounted golf lessons available.
Air Accident Insurance: Get air accident cover up to ₹1 crore when you purchase your flight tickets using this credit card.
Zero Liability Protection: Report fraud within 3 working days to enjoy zero liability, while delayed reporting limits your liability to ₹1,000 only.

After exploring all these premium benefits, it is clear that this card delivers strong value. Want to know your exact gains? Use the benefits calculator to estimate benefits that could range up to ₹80,000.

American Express Platinum ReserveSM Credit Card Charges

Interest on the American Express Platinum Reserve Card is charged at 3.50% per month, which increases to 3.99% in case of default.

Below is the list of a few other applicable charges:

Parameters	Charges
Add-on Card Charges	₹1,500 (5th card onwards)
Cash Advance Fee	3.5% or min. ₹250
Cheque/ECS/NACH Return Fee	₹250
Foreign Currency Transactions	3.50%
Duplicate Statement Fee	₹100
Cash Withdrawal Limit	$333 or 20% of credit limit, whichever is lower; every 14 days.
Late Payment Charges	30% of MAD.Min. ₹500 and max. ₹1,000

💡Even premium cards like American Express deserve smart management. Avoid paying late payment charges by using the Pice App to get timely credit card bill payment reminders, pay securely, and track every bill easily from one clean and simple dashboard.

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Easy EMI Options with Amex Platinum ReserveSM Credit Card

American Express Platinum ReserveSM credit card offers easy conversion of transactions of ₹5,000 or more into EMIs with flexible repayment tenures.

Pre-Purchase EMI

Plan big purchases by selecting EMI at checkout at stores. Choose flexible tenures of 3, 6, 9, 12, 18, or 24 months at 1.17% monthly interest. For online payments, select EMI during checkout.

Post-Purchase EMI

Convert your purchases into EMIs even after completing the transaction. Choose tenures from 3 to 24 months at 1.33% monthly interest. Apply through SMS, online form, or chat via the Amex app easily.

American Express Platinum ReserveSM Credit Card Eligibility

To be eligible, you must have a valid residential address in India and live in selected cities like Delhi NCR, Mumbai, Bengaluru, Chennai, Pune, Hyderabad, Kolkata, and more, subject to approval.

Here are the other key eligibility requirements:

You must be at least 18 years old.
You should have a savings or current account with an Indian or multinational bank.
A good credit history with no payment defaults is required.
Minimum annual income should be ₹6 lakh or more.
Self-employed applicants must have been running a business for over 12 months.
You must qualify as a Resident Indian under income tax rules and inform of any status changes.

💡Stepping into the world of American Express is just the beginning. Keep your experience smooth with the Pice app by linking your Amex card to the app. Once done, you can pay your credit card bills smoothly through this secure and GST-compliant platform.

Footnotes

The annual fee of ₹10,000 is fully waived if you spend ₹10,00,000 or more in the previous membership year.
The welcome gift is available in the first year after paying the fee and spending ₹30,000 within 90 days.
Beyond 2 complimentary international lounge visits per year, each visit is charged at US$35 per person.
Fuel transactions below ₹5,000 at HPCL have zero convenience fee, while higher amounts attract a 1% charge per transaction.
Zero liability applies if fraud is reported within 3 working days; otherwise, maximum liability is limited to ₹1,000.

FAQs

What benefits come with Accor Plus Explorer membership?

You get access to over 4,500 hotels and dining discounts up to 30% across Asia Pacific. The membership also includes up to 50% stay savings, bonus status nights, and exclusive events.

What does EazyDiner Prime membership offer?

You can enjoy 25% to 50% discounts at premium restaurants and earn 2X EazyPoints. The membership also includes priority reservations and access to a dedicated 24-hour support line.

How does the refer and earn programme work?

You earn 8,000 bonus points for each successful referral, up to 1,50,000 points yearly. Share your referral link, and get rewarded when your friend’s card application gets approved.

What services are available through Platinum Concierge?

You can request help with bookings, gifting, dining reservations, travel plans, and more. The concierge team is available via dedicated phone numbers for quick and personalised assistance.

How does contactless payment work on this card?

You can tap your card on a contactless-enabled machine to make payments quickly. For transactions below ₹5,000, no PIN or signature is required, which makes payments faster and more convenient.

How can I contact support for card assistance?

You can use the American Express Platinum ReserveSM credit Card Customer Care number 1800-180-1030 or 1800-419-1030 for 24/7 support, which includes concierge and card-related assistance, from India or abroad.

What fuel charges apply to the Amex Platinum Reserve card?

Fuel transactions at HPCL below ₹5,000 are NIL, while those above ₹5,000 attract a 1% fee. BPCL and IOCL charge 1% with a minimum of ₹10+taxes, while other fuel stations charge 2.5% with a minimum of ₹10+taxes.