American Express® Platinum Reserve SM Credit Card

Lounge access

• Domestic lounge access: complimentary access by swiping the card, limited to 3 visits every calendar quarter (verified by ₹2.00 authorization on POS).
• Visits cannot be carried forward.
• Post the 3rd complimentary visit the applicable discounted rate is charged.
• Additional guests charged at walk-in rate.
• International: Priority Pass gives the Basic Cardmember up to 2 complimentary visits to international lounges per year.
• Beyond 2 visits and any accompanying guest charged US$35 per person per visit.
• Effective 1st September 2023, access to domestic 'The Centurion American Express Lounges' in Delhi and Mumbai is discontinued.

Verified · Platinum Reserve Credit Card – Partner Terms & Conditions (rewards/partner programme terms) · 2026-08-04 · source

Forex markup

• Foreign currency conversion mark up of 3.5% (Currency Conversion Factor Assessment 3.50%).
• Not applicable for charges made in Nepal and Bhutan as those are denominated in Indian Rupees.

Verified · Most Important Terms & Conditions (MITC) – American Express Credit Cards (covers Platinum Reserve) · 2026-08-04 · source

Charge

• Cash Advance Fee: 3.5% of Cash Advance Amount, min ₹250.
• Duplicate Statement Fee: ₹100 per statement (older than 3 months).
• Cheque/NACH Return Fee: ₹250 per returned instrument.
• Record of Charge/Summary of Charge Retrieval Fee: ₹100 per retrieval.
• Convenience Fee on Railway Ticket (IRCTC internet): 1.8% of transaction value, min ₹10 + payment gateway charges + GST.
• Fuel Convenience Fee: 0% for HPCL under ₹5,000.
• 1% for HPCL ₹5,000 and above.
• 1% (min ₹10 + taxes) at BPCL and IOCL.
• 2.5% (min ₹10 + taxes) at all other Oil Marketing Companies.
• Foreign Currency Transactions: Currency Conversion Factor Assessment 3.50%.
• Late Payment/Default Charge: 30% of Minimum Payment Due, min ₹500 and max ₹1,000, plus applicable taxes.
• Standard Supplementary Card Fee: ₹1,500 (up to 4 Supplementary Cards complimentary).
• Overlimit transactions temporarily disabled effective 1 October 2022.
• Schedule of Fees updated 31 August 2025.
• MITC updated 31 March 2026.

Verified · Most Important Terms & Conditions (MITC) – American Express Credit Cards (covers Platinum Reserve) · 2026-08-04 · source

Interest-free period

• Up to 48 days interest-free credit period (no interest on charges other than Cash Advances and Balance Transfers if full closing balance paid on previous and current statements by due date and no cash advance/balance transfer availed).
• Payment due date varies from 18 to 23 days from statement generation date.

Verified · Most Important Terms & Conditions (MITC) – American Express Credit Cards (covers Platinum Reserve) · 2026-08-04 · source

Fuel surcharge waiver

• Fuel convenience fee: 0% for HPCL transactions less than ₹5,000.
• 1% fee per transaction for all HPCL transactions on and above ₹5,000.

Verified · Most Important Terms & Conditions (MITC) – American Express Credit Cards (covers Platinum Reserve) · 2026-08-04 · source

Milestone benefit

• Monthly Spend Milestone e-Voucher: Effective 1st May 2024, on reaching a spend milestone of ₹50,000 in a calendar month you can avail a voucher worth ₹1000 of any of the available brands (e.g. Tata Cliq Luxury, BookMyShow, Shoppers Stop, Myntra, Big Basket, PVR, MakeMyTrip, Nykaa, Daily Objects, Blinkit, Zomato, Starbucks, Air India, Vijay Sales, Reliance Digital, Croma, Tanishq, Kalyan Gold).
• Enrolment-based.
• Promo code sent before the last day of the next-to-next calendar month.
• E-voucher promo code expires 90 days from issuance.

Verified · Platinum Reserve Credit Card – Partner Terms & Conditions (rewards/partner programme terms) · 2026-08-04 · source

Redemption value

• Pay with Points: tickets bookable on domestic and international airlines using Membership Rewards Points.
• In case of refunds, Points used for booking are credited back to the Points balance.
• Applicable taxes and cancellation charges charged to Card Account.
• Membership Rewards tier is FTO (Frequent Traveler Option) - Points on the FTO tier never expire.
• Bookings only by Basic Cardmember, not Supplementary.

Verified · Platinum Reserve Credit Card – Partner Terms & Conditions (rewards/partner programme terms) · 2026-08-04 · source

Concierge

• 24-hour Platinum Assist / Concierge Services available for bookings and enquiries (Platinum Assist at 1800-1801-030 / 1800-419-1030 toll-free from MTNL, BSNL landlines, or Gurgaon 0124-280 1030).
• Complimentary golf bookings and golf lesson bookings must be made through American Express Concierge Services.

Verified · Platinum Reserve Credit Card – Partner Terms & Conditions (rewards/partner programme terms) · 2026-08-04 · source

Golf benefit

• Cardmembers can avail up to two (2) complimentary access to golf courses every month for every ₹50,000 spent using the card in the previous-to-previous calendar month.
• Only Green Fee is complimentary (caddy, cart and other fees payable).
• Valid Handicap Certificate required (Max Handicap: 24 for Men / 36 for Ladies).
• Facilitated through Golftripz.
• A maximum of two visits per month.
• A Golf Game equals an 18 Hole game.
• Golf Lessons also available at discounted rates.

Verified · Platinum Reserve Credit Card – Partner Terms & Conditions (rewards/partner programme terms) · 2026-08-04 · source

Hotel benefit

• Complimentary Taj Epicure Programme membership (available to Basic Cardmember on enrolment; does not include complimentary room night).
• From November 1, 2023 enrollees receive Taj Epicure Plus benefits (e.g. 25% savings on Dine-in & Takeaway, 20% on Qmin food deliveries, 20% at Jiva Spas).
• Also complimentary ALL Accor+ Explorer membership (from 1 October 2025: 30% discount on dining in Asia Pacific for up to 10 diners at 1,600+ restaurants, 15% off round-the-year on stays at 4,500+ hotels worldwide, up to 50% off Red Hot Rooms in Asia Pacific, ALL Accor status with 20 bonus Status Nights each year).
• Cardmembers continue to enjoy privileges as long as they hold the card.

Verified · Platinum Reserve Credit Card – Partner Terms & Conditions (rewards/partner programme terms) · 2026-08-04 · source

Travel benefit

• Priority Pass: Basic Cardmember can enjoy up to 2 complimentary visits to International lounges per year (calendar year Jan 1 to Dec 31).
• Beyond 2 complimentary visits charged at prevailing rate, currently US$35 per person per visit.
• Accompanying guests charged US$35 per visit automatically on the card.
• Pay with Points travel booking available for domestic and leading international airlines.

Verified · Platinum Reserve Credit Card – Partner Terms & Conditions (rewards/partner programme terms) · 2026-08-04 · source

Eligibility

• Up to 4 Supplementary Cards for American Express Platinum Reserve Credit Card are complimentary with the Basic Credit Card, post which the Standard Supplementary Card Fee of ₹1,500 applies.
• Benefit available to Primary/Basic Cardmember holding a card issued in India by American Express Banking Corp. whose account is in good standing.

Verified · Most Important Terms & Conditions (MITC) – American Express Credit Cards (covers Platinum Reserve) · 2026-08-04 · source

Official terms

https://www.americanexpress.com/in/credit-cards/platinum-reserve-credit-card/.

Verified · American Express® Platinum Reserve SM Credit Card product page · 2026-08-04 · source