Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Earn 1 reward point for every Rs.50 spent, get 11,000 reward points as a welcome gift, 12 complimentary airport lounge visits in a year, minimum 10% discount on health and wellness and lot more with the American Express Platinum Reserve Credit Card.
The American Express Platinum Reserve Credit Card is a delight to those who adore luxury in the multiple aspects of life. From travel to health to dining, it provides premium benefits on multiple categories. It gives you complimentary lounge access, discounts on health care packages, etc.
The American Express Platinum Reserve Credit Card is a premium lifestyle card that offers benefits across multiple lifestyle categories like travel, hotel, dining, and wellness.
The following are the significant highlights of American Express Platinum Reserve credit card:
| Parameters | Details |
|---|---|
| Annual fees | First Year: Rs.5000 Second Year: Rs.10,000 Including applicable tax |
| Add-on card fee | No cost up to four supplementary cards, after which Rs.1,500 need to be paid for each supplementary card |
| Interest Rate | Normal: 3.50% Default: 3.99% |
| Reward Earn Rate | For every Rs.50 spent on Insurance, utilities, fuel, cash transaction and EMI conversion at Point of Sale, offers one Membership Rewards Point |
| Welcome Gift | Bonus Membership Rewards Point of 11,000 |
| Late Fee Payment charges | Minimum of Rs.500 and maximum of Rs.1,000, which 30% of minimum amount due |
| Cash Advance Fee | Transaction fee of 3.50% of cash advance amount which is a minimum of Rs.250 charged every time user withdraws cash using this card. |
| Cash withdrawal limit | Either 333 USD for every 14 days or 20% of credit limit, whichever is lower |
The following are some of the key benefits of Amercian Express Platinum Reserve credit card:
Reward points program
The following is the list of rewards offered to the American Express Platinum Reserve credit card holders:
The following are some of the privileges and offers of American Express Platinum Reserve credit card that the cardholders can avail themselves of:
Health and wellness benefits - Avail special discounts on healthcare packages from premium health brands like Max Healthcare, Fortis Healthcare, and Texas Medical Concierge.
Golf privileges - You get complimentary access to 25 premier golf courses in India. You can enjoy zero green fee at all domestic golf courses and golf lessons at discounted rates.
Elite Tier Membership: Enables users to enjoy Taj Epicure and EazyDiner Prime membership Prime membership
Lounge Access: Apart from domestic airport lounges, this card also offers American Express® Lounge at Delhi and Mumbai along with Priority Pass membership
Supplementary cards - You are entitled to 4 free supplementary cards that carry the same features as the primary card.
Dedicated concierge service: From arranging a golf round to booking a vehicle, Amex provides dedicated Platinum concierge services to you. Through the concierge services, you can get assistance for various bookings like movies, dining reservations, flowers or gifts, golf rounds, etc.
Purchase protection: Everything you purchase with the Platinum Reserve card comes with protection. In case the item is stolen or gets damaged within 60 days of purchase, the entire purchase amount will be refunded to you.
24X7 assistance: Any card related queries or concerns can be resolved through a 24X7 Platinum Assist toll-free service helpline.
Contact less payment system: Enables users to make contactless payment by touching the card on the front of American Express Contactless Reader. No Personal Identification Number (PIN) required for purchase less than Rs.5000.
Zero liability on lost card: You remain 0% liable on all the transactions that take place on the card once it's lost or stolen. However, the loss needs to be reported within 3 working days of the incidence.
Fuel benefits: With the American Express Platinum Reserve Credit Card, you enjoy 0% convenience fee at HPCL stations across the country.
| Type of Fees | Amount |
|---|---|
| Joining fee | Rs.5,000 + Applicable taxes |
| Annual fee | Rs.10,000 + Applicable taxes |
| Interest rate | 3.35% per month |
| Cash withdrawal charge | 3.5% of the amount withdrawn (Minimum - Rs.250) |
| Add-on card fee | NIL for the 1st four cards; Rs.1,500 for every card thereon |
| Duplicate statement charge | Rs.100 for every statement which is older than 3 months |
| Over limit charge | Rs.500 |
| Miles or points redemption fee | NIL |
| Fee for transactions which are made in foreign currency | Currency conversion factor assessment - 3.5% |
| Fee for late payment of dues | 30% of the minimum amount due (Minimum - Rs.500, Maximum - Rs.1,000) |
If you meet the conditions listed below, you are eligible for the American Express Platinum Reserve Credit Card:
You will get offers and discounts primarily on lifestyle categories like air ticket booking, access to airport lounges, benefits across premium hotels like The Taj and The Oberoi, golf lessons, concierge services, etc.
Dial 1800 180 1030, 1800 419 1030, or 0124 280 1030 to contact the AMEX call centre for issues related to the American Express Platinum Reserve Credit Card.
For paying the dues on the American Express Platinum Reserve Credit Card, you can use options like NEFT, auto-debit from your savings account, cheque/draft, or pay through the net banking interface provided by your bank.
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