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American Express® Platinum ReserveSM Credit Card

Get a Welcome Gift of 11,000 Bonus Membership Rewards Points.
First Year Fee: Rs. 10,000 plus applicable taxes (Second Year onwards: Rs. 10,000 plus applicable taxes)

Card Type
Annual fee
First year Fee: Rs. 10,000 plus applicable taxes
Second year onwards: Rs. 10,000 plus applicable taxes
Reward Earn Rate
Earn 1 Membership Rewards® Point for every2 Rs. 50 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale2.
Fee Waiver
The Annual Membership Renewal fee of Rs.10,000 will be 100% waived off if total spends on American Express Platinum Reserve Credit Card in the immediately preceding membership year is Rs.10,00,0008 and above

Key Benefits


Enjoy movie or online shopping vouchers6 worth Rs.12,0008 per year on spending Rs. 50,000 every month,click here to enroll

Lifestyle Access

Add luxury to your lifestyle with complimentary Accor Plus Traveller, Taj Epicure and EazyDiner Prime membership


Complimentary access to international and domestic airport lounges across India. Also, enjoy complimentary membership4 to Priority Pass, with the US$99 annual membership fee waived off.

Golfing privileges

Spend Rs. 50,0008 in a month and enjoy complimentary3 access twice a month to 32+ lush green courses in India that come without a green fee, so you can perfect your swing and learn from the best!
Discover your passions for finer things in life, Know More
Rewards Programme
Earn 1 Membership Rewards® Point for every2 Rs. 50 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale2.
Choose to pay for your flights with Membership Rewards Points through ‘Pay with Points’.
Redeem your Points for over 500 options across travel, dining, accessories and more.
Use your Membership Rewards Points to pay for your Card charges. Enjoy the flexibility that comes with Select and Pay. Click here to redeem now.
Offers and Privileges
With the Platinum ReserveSM Credit Card, enjoy much more privileges and benefits at every step of the way from travelling, lodging, fine dining and more.
Elite Tier Membership
Lounge Access
Health & Wellness
Purchase Protection
Concierge and Other Services
Fuel Convenience Fee Waiver at HPCL
Zero Lost Card Liability

Contactless Payment
Fine Dining
To save time before you apply for your Card, it’s best to make sure you can say yes to the following:
  • I am over 18 years of age
  • I have an Indian or multinational bank’s savings or current account in India
  • I have a good credit history and no payment defaults
  • I have a personal annual income of Rs. 6 Lacs and above (for both Salaried, Self Employed
  • I have a current/permanent residential address in India
  • If self-employed: My company has been trading for more than 12 months
  • I/We confirm that I / supplementary card applicant/s is a Resident Indian as defined under the Income Tax Act of India and hereby declare that I/We will notify American Express Banking Corp. if there is a change in the residential status
  • I understand American Express Cards are currently issued to residents of Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Kolkata, Indore, Coimbatore, Chandigarh/Tricity, Ahmedabad, Surat, Vadodra, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum and Mysuru subject to conditions.
    1. Welcome Gift is available only in the 1st year on payment of the annual fee and on spending INR 30,000 within 90 days of Cardmembership.

    2. You will not earn Membership Rewards Points on your American Express Card for all your spending on fuel, insurance and utility (electricity, water and gas bills) payments. Fuel includes petrol, diesel, CNG from Oil Marketing Companies (OMCs). Utility services includes providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations, public housing societies and apartment associations.

    Effective March 15, 2020, you will not earn Membership Rewards Points on any EMI option selected from a merchant’s website e.g. online shopping with Amazon or Flipkart etc. and on any EMI option selected at Merchant’s terminal e.g. a Chip and PIN transaction at Croma retail store etc. At the same time, you will continue to earn Membership Rewards® Points on all EMI transactions through American Express® SafeKey and on all EMI conversions done post purchase.

    Terms & Conditions Benefits associated with American Express Cards are subject to payment of annual/renewal fee and maybe withdrawn

    4. Cardmember exceeding the 2 complimentary visits would be charges as per the prevailing rates; currently US$35 per person per visit. This is an enrollment based benefit

    5. 0% Convenience fee on fuel purchase at HPCL for transactions less than Rs. 5,000 and 1% Convenience fee on fuel purchases per transaction is applicable for all transactions of Rs. 5,000 and above

    6.Monthly Voucher Programme
    Terms & Conditions

    7. Effective September 1, 2023, access to domestic “The Centurion® American Express Lounges” in Delhi and Mumbai on your American Express Platinum Reserve Credit Card is being discontinued.

    8. Eligible spends do not include cash advances, express cash transaction, draft made from the account, balance transfer, fees and is net of any returns.