American Express Platinum Reserve Credit Card Review
Premium lounge, golf and dining privileges on a credit card whose ₹10,000 fee can be fully waived with high annual spend.
Quick facts
The renewal fee is fully waived if total spend in the preceding membership year is ₹10 lakh or more; a ₹10,000 Taj stay voucher on ₹5 lakh spend also helps offset the fee.
Fees and reward rates
Welcome vouchers worth ₹6,000 plus complimentary Taj Epicure and EazyDiner Prime membership, on payment of the annual fee and ₹30,000 spend within 90 days.
| Charge | Amount |
|---|---|
| Joining fee (first year) | ₹10,000 + GST |
| Renewal fee (second year onwards) | ₹10,000 + GST |
| Renewal fee on ₹10 lakh+ spend | 100% waived |
| Cash withdrawal fee | 3.5% of amount, minimum ₹250 |
| Forex mark-up | 3.5% of transaction value |
| Priority Pass excess international visit fee | USD 35 per visit |
| Spend category | Reward rate |
|---|---|
| All eligible spends | 1 MR point per ₹50 |
| Fuel, insurance, utilities, cash & EMI conversions | No MR points |
- ₹10,000 Taj stay voucher on ₹5 lakh spend in a membership year
- Movie or online shopping vouchers worth ₹12,000 a year on spending ₹50,000 every month (enrolment required)
What else you get
Complimentary domestic and international airport lounge access across India
Complimentary Priority Pass membership with the USD 99 fee waived (2 complimentary international visits/year for the basic cardmember; USD 35 per visit thereafter)
2 complimentary rounds of golf a month at 32+ courses in India without a green fee, on spending ₹50,000 in that month
Complimentary ALL Accor+ Explorer, Taj Epicure and EazyDiner Prime memberships
0% convenience fee on HPCL fuel purchases below ₹5,000
Eligibility
| Criteria | Requirement |
|---|---|
| Age | 18 years and above |
| Income (salaried) | Amex evaluates income alongside credit history; broadly positioned above Platinum Travel and below the Platinum Charge Card |
| Income (self-employed) | Business trading history and stable income assessed individually |
| Credit history | Good credit history with no payment defaults |
| Residency | Resident Indian in an Amex-serviceable city |
American Express periodically pauses new applications in certain cities, and cards are issued mainly in metro and Tier-1/Tier-2 locations — confirm current city availability on the official American Express India site before applying.
Verdict
What works
- Annual fee is realistically waivable at ₹10 lakh spend, unlike many premium cards
- Golf, Taj Epicure and EazyDiner Prime memberships add genuine lifestyle value
- International lounge access via Priority Pass at a mid-premium fee point
- ₹10,000 Taj voucher at ₹5 lakh spend helps offset the fee even before the full waiver
What to watch for
- Domestic Centurion Lounge access in Delhi/Mumbai was withdrawn in 2023
- Golf and voucher benefits require hitting a ₹50,000 monthly spend threshold
- Base reward rate of 1 point per ₹50 is unremarkable outside the milestone perks
- International Priority Pass visits are capped at 2 a year before per-visit charges apply
FAQs
How do I get the Amex Platinum Reserve annual fee waived?
Does Platinum Reserve still offer Centurion Lounge access?
How does the golf benefit work on this card?
Platinum Reserve or Platinum Charge Card — what's the real difference?
Compare more American Express cards
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