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Purchase Protection

Your Platinum Card covers the tangible goods purchased through the Card, against loss or damage within 90 days of purchase, caused by fire, burglary or natural calamities, which happens in the residential premises of the insured.

Major exclusions in Purchase Protection include: Electrical/mechanical breakdown of appliances.• Loss or damage to precious items like gold, silver, antiques, securities, etc.

Zero Lost Card Liability*

If your Card is lost or stolen, your liability is nil after you report the loss to us and limited to a maximum of Rs.1000 before reporting.

Emergency Card Replacement*

In case your Card is lost, stolen or damaged, just notify Platinum Assist while in India or the American Express Travel Services Offices or Network Locations if you are travelling overseas. A Replacement Card will be rushed to you, usually within 2 business days, free of charge, anywhere in the world.


Purchase Protection Terms and Condition
The Company will not make any payment in respect of: Loss or damage to gold or silver articles, watches or jewellery or precious stones or medals or coins or curios, sculptures, manuscripts, rare books, plans, models, moulds.
In the following events, this Policy shall cease to be in force and no claim shall be admissible, unless in every event, the consent of the Company to the continuance of the Policy is obtained in writing and signified on the Policy, or the Company has been duly informed and has acknowledged continuance of the Policy.
(i) If the premises shall have been left uninhabited by day and night for ten or more consecutive days and nights, any burglary occurs during the period that the premises are left uninhabited.
(ii) If the Insured shall cause or suffer any material alteration to be made in the premises or anything to be done whereby the risk is increased.
(iii) If the interest of the Insured in any property passes from the Insured otherwise than by will or operation of law.
(iv)The cover under this Section shall be available only up to 90 (ninety) days from the date of purchase of the tangible goods by the Insured. Get a cover value of upto Rs. 5 Lacs.

*Terms & Conditions apply.


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