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    American Express Platinum Credit Card

    1st Year Fee
    Joining Perks
    Response Time Within 30 minutes
    What you'll love
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    Fee Details

    American Express Platinum Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service


    • Apply for American Express Credit Card through and Earn 3% Cash back at leading fuel stations across India + 2.5%* surcharge waiver at HPCL fuel stations. T&Cs apply.
    American Express Credit Card Diwali Offer


    The American Express Platinum Card is a product designed for the connoisseur who believes in living their life in style. A high on rewards card which gives you access to the finest deals and premium travel benefits across the globe. As an icing on the cake, a host of platinum benefits are available round the clock at your service. If you’re a frequent traveller and loves enjoying vacations, this is the ideal card for you.


    • The Platinum Card is Charge card that comes with a unique benefit of no set limits on purchases. A one of its kind card that bills no interest charges if the balance is paid in full every month, before the billing date.
    • A massive range of Platinum services such as Concierge, Travel Services, 24/7 Assistance, Global Assist, Travel Emergency Assistance etc. are available at your disposal.
    • Reward points galore with potential to earn 1 Membership Rewards Point for every Rs.40 spent ! Supplementary cards also qualify to earn points at the same rate.
    • Potential to earn 20 Bonus points for every Rs.100 billed to your card when you shop or charge your card at EXTRA Membership Rewards Program Partners.
    • Showering of deals continue with Complimentary access to premium airport lounges across the world and Golf sessions at 12 premium courses across India.


    • It auto adjusts the spending level on the basis of spending & payment pattern, thereby giving you the flexibility to use the card, as you like.
    • Enjoy true Platinum experiences that gives you access to a world of leisure and entertainment like ‘Invitation Only’ events, Tailor made Dining Deals, Golf Deals and Taj Epicure Plus Membership.
    • Exclusive benefits and discounts at over 800 + Hotels and Resorts worldwide. Plus, complimentary membership to Le Club Accorhotels, Taj Inner Circle, Club Carlson and Starwood Preferred Guest Gold Programme.
    • The Fine Dining program under Platinum rewards option gives you deals at over 100 + restaurants across the country.

    Eligibility and Documentation: 

    The American Express Platinum Card comes with little frills on the Eligibility front. This card is available on satisfaction of the below conditions.

    • The applicant is aged 18 years and above.
    • Is salaried or self employed with sound credit history and no instances of defaults.
    • Self employed applicants should be trading for at least for 18 months. For existing Amex credit card holders(other cards), this clause is relaxed at 12 months.

    Details of documentation will be provided at the time application. It can vary from Identity to Income proof.

    Fees & Charges: 

    Type of Fee Charges
    Annual Rs.50,000
    Add On Card Rs.5,000
    Cash Advance 3.5% of the amount subject to a min. of Rs.250
    How to redeem reward points?
    • The Membership Reward Points can be redeemed across a host of channels. The never expiring reward points can be redeemed for massive range of luxury goods from premium partners.
    • The accumulated rewards can also be redeemed for buying air tickets by calling the customer support.
    • The points can be exchanged for exciting rewards from a little over 500+ redemption options provided by American Express.

    American Express Platinum Credit Card FAQs:

    1. What type of product is the American Express Platinum card?
    2. This is a Charge Card, a subcategory of credit cards. The most distinctive feature of Charge cards is that they do not come with a specific credit limit. The limit is generally determined by spending and payment patterns. No interest is billed if the balance is paid off before the statement close date.

    3. What are the services offered under Platinum Concierge?
    4. Primary services such as assistance with sourcing goods at select locations in India or abroad. The concierge also helps with personal arrangements, organising events, flower/gift delivery, dining/golf reservations, movie ticket booking etc.

    5. Can the Membership points be earned for all types of purchases?
    6. No. Points cannot be earned for spends on insurance and utility bills payments. This includes all utility services such as electricity, water and gas bills provided by government and private agencies.

    7. Is there a limit on cash withdrawals for the American Express Platinum card?
    8. The limit is Rs.25,000 for withdrawals in India for every 14 days and US$750 for the same time period for withdrawals abroad.

    9. Please list the modes of credit card bill payment available.
    10. Bill payments can be made via NEFT, Direct Debit, Online over Netbanking and By Cheque/Draft. Cash payments are also accepted at Standard Chartered bank branches.

    11. How do I contact American Express for queries regarding my Platinum Charge card?
    12. You can call the 24 hours call center on dedicated the phone numbers listed below.

      1800-180-1255, 0124-280-1444 or 1800-419-1255

    13. Is there a surcharge levied for purchasing Railway Tickets online?
    14. Yes. A surcharge of 1.8% of transaction value(Min. of Rs.10) is levied for tickets booked on IRCTC’s web portal. Applicable taxes are additional.


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