American Express Platinum Charge Card

  • Joining Fee: Rs. 60,000 + GST
  • Renewal Fee: Rs. 60,000 + GST
  • Best Suited For: Travel | Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: SeleQtions, Taj, and Vivanta Hotels’ vouchers worth Rs. 45,000.
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The Platinum Charge card is a flagship offering by the popular card issuer, American Express. It is a top-end credit card and comes with a host of travel benefits that make your life easier while traveling and gives you access to special discounts at leading hotel chains, airlines, etc. You get many other privileges, including unlimited complimentary domestic and international airport lounge access. It is one of the two Charge Cards that American Express is currently offering. Apart from the travel benefits, one of the unique features of this card is that it has no preset credit limit. You also get fast-track upgrades to higher tiers on some of the most premium hotel loyalty programs, and in case you need any assistance planning your trip, AmEx 24×7 concierge service is always there at your rescue.

New Features

Spend Based Waiver


Interest Rates

3.5% per month

Add-on Card Fee

Nil up to 2 add-on cards

Rewards Redemption Fee


Fuel Surcharge

Fuel surcharge is waived at all HPCL fuel stations for purchases up to Rs. 5,000, 1% surcharge applicable on BPCL and IOCL stations and 2.5% surcharge applicable at all other fuel stations.

Foreign Currency Markup

3.5% of the transaction amount

Cash Advance Charges

3.5% of the advanced amount subject to a minimum charge of Rs. 250.

Movie & Dining

Complimentary membership to EazyDiner and a discount of up to 50% at 1,800 premium restaurants across India.


Access to over 1,200 airport lounges across over 130 countries, 24×7 global Platinum Concierge Service, travel-related insurance benefits including a life cover of Rs. 5 crores.

International Lounge Access

Access to over 1,200 Airport Lounges globally including American Express Lounges, Priority Pass Lounges and Delta Lounges.

Rewards Rate

1 MR on every Rs. 40, 3X Rewards on all international spends, and 5X Rewards Points on transactions via the AmEx Reward Multiplier portal.


Complimentary access to premium domestic and international golf courses

Insurance Benefits

Personal air accident coverage worth Rs. 5 crore, cover of Rs. 50,000 for loss of check-in Baggage/ passport/ document, overseas medical insurance of USD 50,000 for the first 7 days of the trip.

Reward Redemption

Membership Rewards Points can be redeemed against dining, travel, and accessories on AmEx’s Membership Rewards Redemption portal.

Domestic Lounge Access

Unlimited access to domestic partner lounges in India.

Zero Liability Protection

Cardholders will not be considered liable for any fraudulent transaction if loss of card is reported within 72 hours. Maximum liability of up to Rs. 1,000 on reporting after 3 days.


This card offers complimentary domestic and international lounge access. With this card, you can get up to 50% off on partner restaurants.


This card comes with a high annual fee of Rs. 60,000. There isn’t any waiver of the annual fees with this card.

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