Among all other premium cards in India, American Express® Platinum Card possibly provides the best hotel benefits. Users can avail hotel benefits in two ways- 1) complimentary memberships to multiple hotel’s elite tier program, and 2) direct discount at select domestic chains. While most premium cards offer base membership to hotel programs, this card stands out by offering Elite Tier membership. Also, most premium credit cards offer unlimited domestic and international lounge visits but they are associated with one of the leading lounges like Priority Pass or Dreamfolks. However, American Express® Platinum Card offers lounge benefits with multiple lounge programs including Priority Pass, The Centurion, Escape Lounges, Delta Sky Club Lounges and other domestic partner lounges. Since the benefit is not limited to one lounge partner, this feature can be quite valuable for users who frequently travel overseas.
American Express
American Express® Platinum Card
Travel
Shopping
1st Year Fee: ₹66,000* Plus Applicable Taxes
Lounge Access
Unlimited complimentary lounge access
Travel
Complimentary memberships of 5+ hotels
Golf
Unlimited complimentary games & lessons
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About American Express® Platinum Card
American Express® Platinum Card is a super-premium charge card with no pre-set credit limit. This credit card is an excellent option for those who frequently travel to international destinations. Travellers can save a significant amount on their hotel stays in the form of complimentary memberships to the Elite Tier of global luxury hotel chains such as Taj Epicure Plus, Hilton Honors Elite Gold, Marriott Bonvoy Gold Elite and Radisson Rewards Premium. Each of these loyalty programs entitle the user to discounts, complimentary room upgrades and several other benefits.
Apart from hotel benefits, American Express® Platinum Card users can also avail exclusive discount on international flights like Qatar Airways, Air France, Virgin Atlantic, KLM, etc. Unlike most super-premium cards that offer lounge visits in partnership with one lounge partner, American Express has partnered with multiple lounge programs like Priority Pass, Escape Lounges, etc.
Quick Read: Credit cards that offer lounge access
Hotel & Lounge Access Benefits
Avail complimentary benefits worth Rs. 44,300 at some of the finest hotels and resorts worldwide including the Four Seasons Hotels and Resorts, Mandarin Oriental, The Ritz-Carlton and more. Enjoy privileges like:
- Room upgrades at check-in
- Daily breakfast for two
- Guaranteed 4pm late checkout
- Access to free Wi-Fi
- Complimentary credit worth US $100 to use against eligible charges
Additionally, cardholders can also avail below mentioned benefits under the Domestic Lodging Programme:
- 25% off at Taj, SeleQtions and Vivanta Hotels
- 50% off on Suites at Oberoi Hotels and Resorts
Other Features & Benefits
Welcome & Renewal Benefits:
- Vouchers worth up to Rs. 60,000 on spending Rs. 50,000 in first two months of card membership and on payment of annual fee. Cardholders can choose from the below options:
- Option 1: Taj Hotels & Palaces worth Rs. 50,000
- Option 2: Reliance Brand (Luxe Gift Cards) worth Rs. 35,000
- Option 3: Postcard Hotels & Resorts worth Rs. 60,000
- Complimentary Times Ace Membership, allowing cardholders to access 40+ OTT and publications including Disney+ Hotstar, Amazon Prime Lite and more
- Vouchers worth up to Rs. 35,000 from Taj Hotels, Reliance Brands Limited (Luxe Gift Card), Postcard Hotels & Resorts on spending Rs. 20 Lakh in a year
American Express® Platinum Card: Fees & Charges
| Fee Type | Amount |
|---|---|
| Annual Fee | Rs. 66,000 plus applicable taxes |
| Cash Advance Fee | 3.5% of the cash advance amount (Min. Rs. 250) |
| Forex Markup Fee | 3.5% |
Things to Know Before you apply
Consider this card if:
You often stay at 5-star properties and would like to save on this expense
You can easily utilize the airline and hotel benefits several times in a year to compensate the high annual fee
You are a high-spender and would prefer a charge card with no pre-set credit limit
Eligibility Criteria:
Minimum Age Requirement: 18 years
Occupation: Salaried or Self-employed
Minimum Income: Rs. 25 LPA for Salaried & Rs. 15 LPA for Self-employed
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What do we like about this card?
Though American Express® Platinum Card charges a very high annual fee of Rs. 66,000 (plus applicable taxes), users who smartly use the card and make the most of its benefits can derive much better value than what they pay. Interestingly, it is one of the few cards that provide better savings through the additional features than its rewards program. Since this is a charge card, it does not come with a pre-set credit limit, offering a higher purchasing power to the users.
Pros
- Complimentary memberships to over 5 premium hotel loyalty programs
- Unlimited access to multiple lounge access programs
- Exclusive discounts and offers on leading airlines
- Unlimited complimentary golf games and lessons
- Flexible spending with no pre-set credit limit on the charge card
Cons
- Very high annual fee of Rs. 66,000 plus applicable taxes
- High forex markup fee of 3.5%
- Low reward rate of 1 point per Rs. 40 spent
Conclusion
American Express® Platinum Card is a super-premium charge card with no pre-set credit limit. The card offers complimentary membership to multiple hotel loyalty programs, including Taj Group, Hilton, Marriott, Radisson, and more. Users also get complimentary access to airport lounges globally, complimentary golf games and lessons at premium golf courses, invitations to VIP-only events and experiences, and the benefits of Platinum Concierge service. Despite having a low reward rate, American Express® Platinum Card truly stands out due to its multiple redemption options, premium travel, and lifestyle benefits.
Footnotes
- Complimentary guest visits to Centurion Lounges in Delhi and Mumbai have been discontinued.
- Insurance and Utility spends are not eligible for earning Membership Reward Points.
Click here to know More Terms and Conditions
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