American Express
American Express Platinum Reserve Credit Card is a premium lifestyle credit card (this is a credit card, not a charge card.
One-time
Waived on ₹10,00,000/yr
Uncapped rewards
Score 750+
Applying takes you to American Express. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
2 reward rates with their caps, taken from American Express’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromOnline shopping
No published ceiling on this tier
Everything else
No published ceiling on this tier
Fuel transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
1% on Online shopping — 1 Membership Rewards Point per ₹50 on eligible online spends, excluding fuel, insurance, utility payments and EMI conversions selected at a merchant's website, with no stated cap.
Biggest limitation
A Membership Rewards Point has no fixed rupee value — about Rs. 0.25 to Rs. 0.45. At 1 point per Rs. 50, the base return is roughly 0.5% to 0.9%.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
1 pts
uncappedOnline shopping
1 Membership Rewards Point per ₹50 on eligible online spends, excluding fuel, insurance, utility payments and EMI conversions selected at a merchant's website
1 pts
uncappedEverything else
1 Membership Rewards Point per ₹50 on eligible offline spends, excluding fuel, insurance, utility payments, cash transactions and EMI conversions selected at a merchant's termin…
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹10,000 | — |
| Annual / renewal fee | ₹10,000 | No spend-based waiver is published. The Rs. 10,000 + GST fee is charged every year. |
| Add-on card | Supplementary/additional cardmembers can be added to the account; confirm the current add-on card fee structure on americanexpress.com/in under 'Add Someone to Your Account' | — |
| Cash withdrawal | 3.5%, min ₹250 | As per American Express Banking Corp.'s standard cash advance charges; note that cash advances, express cash transactions and draft withdrawals do NOT count towards the ₹10,00,000 annual spend needed for fee waiver eligibility |
| Late payment | As per American Express Banking Corp.'s standard slab-based late payment fee structure, published in the Schedule of Fees and Charges; confirm exact current slabs on americanexpress.com/in | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹10,00,000 a year
is what it takes to keep the ₹10,000 fee off — about ₹83,333 a month
0% convenience fee on HPCL fuel purchases below Rs. 5,000; 1% on Rs. 5,000 and above at HPCL. 2.5% of the transaction value, minimum Rs. 10, at oil companies other than HPCL, BPCL and IOCL.
UPI credit-card linking is available only on RuPay credit cards, so this card cannot be added to a UPI app.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
2
spend thresholds you can reach again each year
No welcome benefit is recorded.
Spend ₹50,000 a month
Movie or online shopping vouchers worth ₹12,000 per year (₹1,000/month) (On spending ₹50,000 every month; enrollment required)
Spend ₹50,000 a month
Twice-monthly complimentary golf access at 32+ courses in India (no green fee) (On spending ₹50,000 in a calendar month)
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
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HDFC BankHDFC Pixel Credit Card BK₹500| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| American Express Platinum Reserve Credit Card · this card | ₹10,000 | 1% online shopping | Included |
| IndiGo Axis Bank Premium Credit Card BK | ₹5,000 | See card | Included |
| IndiGo Axis Bank Credit Card BK | Lifetime free | See card | Included |
| Scapia Credit Card BK | Lifetime free | Up to 4% rewards | Included |
| Kiwi PNB Credit Card BK | ₹750 | Up to 1.5% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹10,000 plus GST, waived on ₹10,00,000 of annual spend.
The strongest published rate is 1% on online shopping, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. Complimentary access to domestic airport lounges across India; note that access to domestic Centurion American Express Lounges in Delhi and Mumbai was discontinued effective 1 September 2023
UPI credit-card linking is available only on RuPay credit cards, so this card cannot be added to a UPI app.
Fuel transactions Insurance premiums Utility payments Cash transactions and ATM withdrawals EMI conversions selected at the merchant The ₹10,00,000 annual spend threshold for fee waiver, and the ₹50,000/month spend for the movie/shopping voucher and golf benefits, both exclude cash advances, express cash transactions, draft withdrawals, balance transfers and fees, and are calculated net of any returns No Membership Rewards Points earned on fuel, insurance, utility payments (electricity, water, gas bills to government/municipal/housing society providers), cash transactions, and EMI conversions selected at a merchant's website or terminal (POS/online) since 15 March 2020; EMI conversions done via American Express SafeKey or converted post-purchase still earn points
American Express publishes about ₹50,000 a month for salaried applicants, and it is usually issued above a 750 credit score. Meeting the criteria is not an approval — the issuer decides.
Over 500 redemption options across travel, shopping and dining, Statement credit, Transfer to airline and hotel partners
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Complimentary domestic airport lounge access across India, plus a complimentary Priority Pass with 2 international visits a calendar year.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
American Express Platinum Reserve Credit Card — 1% on online shopping. ₹10,000 a year.
