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American Express Platinum Charge Card credit card
Super Premium

American Express Platinum Charge Card

American Express logo American Express
3.9
CardTrail Score
Decent
out of 10
💰 Net Value
1.0
🔓 Accessibility
2.6
⚡ Feature Depth
6.4
🏦 Bank Trust
9.5
How we score →
Compare This Card Full Details
Annual Fee
₹66,000
Forex Markup
3.5%
Reward Rate
1.25%
Up to 5%
Lounge Access
Unlimited
domestic | Unlimited intl

About This Card

The American Express Platinum Charge Card is a super-premium credit card from American Express with an annual fee of ₹66,000. It offers a base reward rate of 1.25% with up to 5.0% on select categories. Key perks include unlimited lounge access, fuel surcharge waiver. Best suited for frequent travellers and luxury spenders.

Pros & Cons

Pros

  • Competitive 1.25% reward rate
  • Generous lounge access benefits
  • Fuel surcharge waiver saves on petrol/diesel
  • Easy EMI conversion on purchases

Cons

  • High annual fee of ₹66,000
  • 3.5% forex markup is above average
  • Requires minimum ₹25L annual income

Fee Details

Annual Fee
₹66,000
Joining Fee
₹66,000
Fee Waiver Condition
None
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
1.25%
Max Rate
5%
Currency
Membership Rewards Points
Welcome Bonus
30,000 Membership Rewards Points

Lounge Access

Domestic Lounges
Unlimited
International Lounges
Unlimited

Key Highlights

  • + Up to 5.0% rewards on accelerated categories
  • + Unlimited domestic lounge access
  • + Unlimited international lounge access
  • + Fuel surcharge waiver at all pumps

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Quick Summary

Best For
travel luxury
Annual Fee ₹66,000
Base Reward 1.25%
Max Reward 5%
Forex Markup 3.5%
Network Amex
Min Income ₹25L+
Compare This Card

CardTrail Score

3.9
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

travel luxury high spender

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