American ExpressVisaPlatinum Reserve Credit Card
3.9NeoFinQ editorial rating
12 lounge visits + Taj Epicure + EazyDiner Prime memberships
- 12 lounge visits (domestic + international)
- Accor & Taj memberships
- Monthly milestone vouchers
- Joining fee
- ₹5,000
- Annual fee
- ₹10,000
- Reward type
- miles
- Best for
- Lounge
- Est. rewards
- ₹19,500/yr
Our verdict
Best for high-spenders who value luxury travel and hotel privileges.
Perfect for
- Frequent travelers and diners
- High spenders
Not ideal for
- Cashback seekers
- Low spenders
Pros & cons
- 12 lounge visits (domestic + international)
- Accor & Taj memberships
- Monthly milestone vouchers
- High fee unless waived
- No rewards on fuel/utilities
Rewards
1 MR/₹50 base, 3X via Reward Multiplier, ₹1K monthly milestone
| Category | Earn rate |
|---|---|
| Dining | 5% |
| Shopping | 5% |
| Travel | 3% |
| Online Shopping | 5% |
Welcome offer
10,000 Bonus Membership Rewards points on spending ₹30,000 within 90 days and payment of joining fee.
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- 12 complimentary domestic lounge visits per year (shared with Taj Epicure and other benefits; subject to American Express network access)
More benefits
- Welcome Bonus: 10,000 Bonus Membership Rewards points on spending ₹30,000 within 90 days and payment of joining fee.
- Milestone: ₹1,000 voucher monthly on ₹50,000+ spend
- Additional Benefits: Taj Epicure Membership, EazyDiner Prime, and Movie/Online shopping vouchers via monthly spend
Fees & charges
| Joining fee | ₹5,000 |
| Annual fee | ₹10,000 |
| Renewal fee | ₹10,000 |
| Fee waiver | Waived on ₹10L annual spend |
Eligibility
Min. income (annual)
₹6L
Employment
Salaried / Self Employed
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Find My Best CardPlatinum Reserve Credit Card
Annual fee ₹10,000