Applications temporarily paused
The issuing bank's official page indicates new applications for this card are currently paused.
American Express Platinum Reserve Credit Card
American Express
A genuinely well-specified premium card — explicit lounge counts and a real membership bundle, not vague 'included' language.
₹10,000
Joining fee
₹10,000, waived at ₹10L spend
Annual fee
100% waiver of the Rs 10,000 renewal fee if total spend in the immediately preceding membership year is Rs 10,00,000 or more (official).
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Minimum income: ₹50,000/month
Estimated minimum CIBIL score: 790+
Estimated — not officially confirmed by the bank.
Rs 6 lakh+ p.a., salaried or self-employed (official).
Sources disagree: Aggregator reported a brief application reopening in Sept 2025; official page as fetched 2026-09-02 again shows the pause banner.
Lounge access
12 domestic / 2 international visits per year
Quoted as 3/quarter domestic; international access via Priority Pass.
Key features
- ₹12,000 annual movie/shopping voucher (spend-conditional)
- complimentary ALL Accor+ Explorer, Taj Epicure, EazyDiner Prime memberships
Reward details
1 Membership Rewards Point per Rs 50 spent
Welcome bonus: 11,000 points after Rs 30,000 spend within 90 days (plus annual fee payment)
Redemption
500+ options across travel/dining/accessories; Pay with Points for flights/card charges.
Excluded from rewards: fuel, insurance, utilities, cash transactions, EMI conversions at point of sale
- Up to 24 complimentary golf rounds per year (aggregator-sourced).
- Centurion Lounges in Delhi/Mumbai were discontinued for this card effective 1 September 2023 (aggregator-sourced) — a benefit-specific discontinuation, not a whole-card one.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Complimentary hotel and dining memberships; up to 24 complimentary golf rounds per year — Paisabazaar
Complaints
- Reward economics called weak — 0.5% return falls significantly short of cards like HDFC Infinia (3.33%) and ICICI Emeralde Private (3%) — Paisabazaar
- High annual fee; limited international lounge access (2 visits/year) vs. competitors — Paisabazaar
Sources
- Official — fees, eligibility, forex, lounge, rewards
- Aggregator — lounge, sentiment
- Aggregator — application status context (dated 24 Sept 2025)