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American Express Platinum Reserve Credit Card credit card
Premium

American Express Platinum Reserve Credit Card

American Express logo American Express
6.7
CardTrail Score
Decent
out of 10
💰 Net Value
4.3
🔓 Accessibility
5.1
⚡ Feature Depth
6.1
🏦 Bank Trust
9.0
How we score →
Compare This Card Full Details
Annual Fee
₹10,000
Forex Markup
3.5%
Reward Rate
1%
Up to 3%
Lounge Access
Unlimited
domestic | 4 intl

About This Card

The American Express Platinum Reserve Credit Card is a premium credit card from American Express with an annual fee of ₹10,000. It delivers a solid 1.0% reward rate on all spends. Key perks include unlimited lounge access, fuel surcharge waiver. Best suited for frequent travellers and dining enthusiasts.

Pros & Cons

Pros

  • Competitive 1.0% reward rate
  • Generous lounge access benefits
  • Fuel surcharge waiver saves on petrol/diesel
  • Easy EMI conversion on purchases

Cons

  • High annual fee of ₹10,000
  • 3.5% forex markup is above average
  • Income eligibility: ₹10L+ per annum

Fee Details

Annual Fee
₹10,000
Joining Fee
₹10,000
Fee Waiver Condition
None
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
1%
Max Rate
3%
Currency
Membership Rewards Points
Welcome Bonus
11,000 Membership Rewards Points

Lounge Access

Domestic Lounges
Unlimited
International Lounges
4
per year

Key Highlights

  • + 1.0% reward rate on all spends
  • + Unlimited domestic lounge access
  • + 4 international lounge visits/year
  • + Fuel surcharge waiver at all pumps

Compare With...

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Quick Summary

Best For
travel dining
Annual Fee ₹10,000
Base Reward 1%
Max Reward 3%
Forex Markup 3.5%
Network Amex
Min Income ₹10L+
Compare This Card

CardTrail Score

6.7
/ 10

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

Best For

travel dining

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