American Express India Platinum Reserve

Lounge access

• Domestic lounge access by swiping the card, limited to 3 complimentary visits every calendar quarter (visits cannot be carried forward).
• Complimentary access given upon authorization of ₹2.00 on Amex POS.
• Post 3rd visit, discounted rate applies.
• International: Priority Pass gives Basic Cardmember up to 2 complimentary international lounge visits per year (calendar year).
• Beyond that US$35 per person per visit, guests US$35 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/Program Terms) · 2026-08-03 · source

Forex markup

• Foreign Currency Transactions: Currency Conversion Factor Assessment of 3.50% (foreign currency conversion mark up of 3.5%).
• Not applicable for charges made in Nepal and Bhutan.

Verified · Most Important Terms & Conditions (MITC) – American Express Credit Cards (covers Platinum Reserve) · 2026-08-03 · source

Charge

• Cash Advance Fee: 3.5% of cash advance amount, min ₹250.
• Late payment/Delinquency: 30% of Minimum Amount Due, min ₹500, max ₹1,000.
• Foreign Currency (forex markup): Currency Conversion Factor Assessment 3.50%.
• Finance charge: 3.5% p.m. / 42% p.a. (3.99% p.m. / 47.88% p.a. in default).
• Standard Supplementary Card Fee: ₹1,500 (up to 4 supplementary cards complimentary).
• Duplicate Statement Fee: ₹100 per statement (older than 3 months).
• Cheque/NACH Return Fee: ₹250 per returned instrument.
• Record of Charge Retrieval Fee: ₹100 per retrieval.
• Railway ticket convenience fee: 1.8% of transaction value (IRCTC), min ₹10 + gateway charges + GST.
• Fuel: 0% for HPCL below ₹5,000.
• 1% for HPCL ₹5,000 and above.
• 1% at BPCL/IOCL (min ₹10 + taxes).
• 2.5% at all other OMCs.
• GRAS convenience fee (Amex): 0.94% up to ₹90,00,000, 0.99% above (Schedule updated 31 August 2025).
• Overlimit transactions temporarily disabled effective 1 October 2022.

Verified · Most Important Terms & Conditions (MITC) – American Express Credit Cards (covers Platinum Reserve) · 2026-08-03 · source

Interest-free period

Up to 48 days free credit without any interest charges, subject to conditions (full previous and current closing balance paid by due date and no cash advance/balance transfer availed).

Verified · Most Important Terms & Conditions (MITC) – American Express Credit Cards (covers Platinum Reserve) · 2026-08-03 · source

Fuel surcharge waiver

• Convenience Fee on Fuel Purchase: 0% for HPCL transactions less than ₹5,000.
• 1% per transaction for HPCL transactions ₹5,000 and above.
• 1% (min ₹10 + taxes) at BPCL and IOCL.
• 2.5% (min ₹10 + taxes) at all other Oil Marketing Companies.

Verified · Most Important Terms & Conditions (MITC) – American Express Credit Cards (covers Platinum Reserve) · 2026-08-03 · source

Milestone benefit

• Effective 1st May 2024, upon reaching spend milestone of ₹50,000 in a calendar month, you can avail a voucher worth ₹1,000 of any of the available brands (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).
• Promo code sent before the last day of the next-to-next calendar month.
• Enrolment-based benefit.

Verified · Platinum Reserve Credit Card – Partner Terms & Conditions (Rewards/Program Terms) · 2026-08-03 · source

Reward cap

• Monthly Spend Milestone e-Voucher: ₹1,000 voucher per ₹50,000 spend milestone in a calendar month.
• E-voucher promo code expires 90 days from date of issuance and validity cannot be extended.

Verified · Platinum Reserve Credit Card – Partner Terms & Conditions (Rewards/Program Terms) · 2026-08-03 · source

Concierge

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

Verified · Platinum Reserve Credit Card – Partner Terms & Conditions (Rewards/Program Terms) · 2026-08-03 · source

Dining benefit

• Taj Epicure Programme membership (Basic Cardmember on enrollment).
• From November 1, 2023 enrolling members receive Taj Epicure Plus with updated benefits: 25% savings on Dine-in & Takeaway, 25% on Qmin food deliveries, 20% on Salon & Spa at Jiva Spas, complimentary Celebration cake in birthday month (1/2kg).
• Does not include complimentary room night.
• Complimentary EazyDiner Prime membership (12 months from enrolment, offer valid until 30th November 2026) offering 25-50% dining discounts.

Verified · Platinum Reserve Credit Card – Partner Terms & Conditions (Rewards/Program Terms) · 2026-08-03 · source

Golf benefit

• Complimentary Green Fee golf access: up to two (2) complimentary golf course visits every month for every ₹50,000 spent in the previous-to-previous calendar month.
• Only Green Fee is complimentary (caddy, cart and other fees payable).
• Requires valid Handicap Certificate (Max Handicap: 24 for Men / 36 for Ladies).
• Bookings via American Express Concierge.
• A Golf Game equals an 18 Hole Game only.
• Facilitated through Golftripz.

Verified · Platinum Reserve Credit Card – Partner Terms & Conditions (Rewards/Program Terms) · 2026-08-03 · source

Hotel benefit

• Complimentary Taj Epicure (Epicure Plus from 1 November 2023) membership on enrolment (does not include complimentary room night).
• And complimentary ALL Accor+ Explorer membership (from 1 October 2025 offering 30% dining discount in Asia Pacific for tables up to 10, 15% off drinks, 15% off stays year-round at 4,500+ hotels worldwide, up to 50% off Red Hot Rooms in Asia Pacific, ALL Accor status with 20 bonus Status Nights).
• Privileges continue as long as the Platinum Reserve Credit Card is held.

Verified · Platinum Reserve Credit Card – Partner Terms & Conditions (Rewards/Program Terms) · 2026-08-03 · source

Travel benefit

• Pay with Points for travel: tickets bookable on domestic airlines (Air India, Jet Airways/Jetlite/Jet Konnect) and leading international airlines using Membership Rewards Points.
• Travel purchases with points are non-transferable.
• On refunds the Membership Rewards Points are credited back to the Cardmember's points balance.
• Bookings only by Basic Cardmember.

Verified · Platinum Reserve Credit Card – Partner Terms & Conditions (Rewards/Program Terms) · 2026-08-03 · source

Insurance

• Air Accident Insurance: ₹10,000,000 (₹1 crore) if tickets bought on the Basic or Supplementary Card (covered in case of death only).
• Purchase Protection: items purchased on the card covered against loss due to burglary or damage due to fire, earthquake, flood, storm, cyclone etc. within 60 days of purchase.
• Maximum coverage ₹2 lacs.
• Claim to be intimated within 30 days of date of loss to ICICI Lombard.
• Applicable only in India.

Verified · Most Important Terms & Conditions (MITC) – American Express Credit Cards (covers Platinum Reserve) · 2026-08-03 · source

Eligibility

• Benefits available to the Primary/Basic Cardmember holding an American Express Platinum Reserve Credit Card issued in India by American Express Banking Corp., subject to payment of annual/renewal fee and accounts valid and in good standing.
• Up to 4 Supplementary Cards complimentary.

Verified · Platinum Reserve Credit Card – Partner Terms & Conditions (Rewards/Program Terms) · 2026-08-03 · source