Applications temporarily paused
The issuing bank's official page indicates new applications for this card are currently paused.
Charge card
This is a charge card, not a revolving-credit card: balance due in full each month, no pre-set spending limit.
American Express Platinum Card
American Express
The single highest-fee product in the entire catalog by a wide margin — and structurally a charge card, worth knowing before recommending it.
₹66,000
Joining fee
₹66,000
Annual fee
None stated officially — no waiver condition found for the Rs 66,000+GST annual fee.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Minimum income: ₹2,08,333/month
Estimated minimum CIBIL score: 820+
Estimated — not officially confirmed by the bank.
Employed applicants require Rs 25 lakh+ personal annual income; self-employed require Rs 15 lakh+ personal annual income (official).
Sources disagree: Aggregator (Live From A Lounge, 24 Sept 2025) reported Amex briefly reopened applications after a 6-month pause beginning March 2025, but the official page as fetched on 2026-09-02 again shows the pause banner — current status treated as paused.
Lounge access
Unlimited domestic & international lounge visits
Global Lounge Collection: Centurion, Priority Pass, Delta Sky Club, Escape Lounges, and domestic partners — no numeric cap stated.
Key features
- 1,550+ lounges across 500+ airports/140+ countries
- Fine Hotels & Resorts benefits up to ₹44,300
- multiple hotel loyalty status upgrades
- 3X points on overseas spend
Reward details
1 Membership Rewards Point per Rs 40 spent (domestic)
- 3X points on International spend
- up to 20X points on Select luxury/partner brands (Rewards Xcelerator)
- up to 5X points on Gift-voucher purchases (Shopwise)
Redemption
500+ redemption options across travel, dining, accessories; Pay with Points facility.
- Points do not expire.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Complimentary memberships to 5+ premium hotel loyalty programs, extensive lounge access, unlimited complimentary games and lessons at premium golf courses — Paisabazaar
Complaints
- Very high annual fee (Rs 66,000+GST) called a significant drawback — Paisabazaar
- Base reward rate of 1 point/Rs 40 criticized as low relative to other premium cards — Paisabazaar
- High forex markup (3.5%) makes it costly for international spend — Paisabazaar
Sources
- Official — fees, eligibility, forex, lounge, rewards
- Aggregator — forex, lounge, sentiment
- Aggregator — application status context (dated 24 Sept 2025)