American ExpressVisaPlatinum Charge Credit Card
4.0NeoFinQ editorial rating
India's most prestigious charge card with unlimited global lounge access
- Unlimited global lounge access
- 3X-5X accelerated rewards
- Premium hotel/golf perks
- Joining fee
- ₹66,000
- Annual fee
- ₹66,000
- Reward type
- points
- Best for
- Premium
- Est. rewards
- ₹20,000/yr
Our verdict
India's most prestigious card for high-income global travelers.
Perfect for
- Frequent flyers
- Ultra-high-income travelers
Not ideal for
- Cashback seekers
- Budget users
Pros & cons
- Unlimited global lounge access
- 3X-5X accelerated rewards
- Premium hotel/golf perks
- ₹60K fee with no waiver
- Complex redemption
Rewards
1 MR/₹40 base (except Fuel, Utilities, Insurance); 3X on international spends; up to 5X on Reward Multiplier. Points never expire.
| Category | Earn rate |
|---|---|
| Shopping | 5% |
| Travel | 5% |
| Online Shopping | 5% |
Welcome offer
50,000 Bonus Membership Rewards Points on spending ₹2,50,000 within 60 days.
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- Unlimited domestic + international lounge access
More benefits
- Welcome Bonus: 50,000 Bonus Membership Rewards Points on spending ₹2,50,000 within 60 days.
- Additional Benefits: Golf access, concierge, hotel memberships
Fees & charges
| Joining fee | ₹66,000 |
| Annual fee | ₹66,000 |
| Renewal fee | ₹66,000 |
| Fee waiver | NA |
Eligibility
Min. income (annual)
₹15L
Employment
Salaried / Self Employed
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Annual fee ₹66,000