- Key Highlights of American Express Platinum Credit Card
- Benefits
- How to Redeem Reward Point’s
- Fee’s and Charges of American Express Platinum Credit Card
- Eligibility to Apply for American Express Platinum Credit Card
- Comparison of Different Cards
- Apply for American Express Platinum Credit Card
- Check American Express Platinum credit card status
- Generate Pin
- Change Pin
- Customer Care
- Conclusion
- F.A.Q’s
- Read More
When it comes to luxury credit cards, the American Express Platinum Credit Card undoubtedly stands out. Renowned for its exclusive benefits, unparalleled rewards, and exceptional customer service, the Platinum Card is designed to cater to the needs and desires of discerning travelers. In this blog post, we’ll explore the key features and advantages of the American Express Platinum Credit Card, highlighting why it has become the go-to choice for those seeking an elevated and refined credit card experience.
Key Highlights of American Express Platinum Credit Card
| Best Suited For | Travel and Shopping |
| Annual Fee | Rs. 60,000 plus applicable taxes |
| Minimum Income Requirement | Rs. 25 Lakh p.a. for Salaried Applicants Rs. 15 Lakh p.a. for Self-employed Applicants |
| Welcome Benefit | Stay vouchers worth Rs. 45,000 from Taj, SeleQtions and Vivanta Hotels |
| Best Feature | Extraordinary travel benefits; Access to multiple lounge access programs |
Benefits
Travel Benefits
On this credit card, users can avail a number of travel benefits including:
Lounge Access
Get access to over 1,200 airport lounges across the globe. The American Express Global Lounge Collection includes:
- American Express Lounges
- Priority Pass Lounges
- Escape Lounges
- The Centurion Lounge
- Delta Sky Club Lounge (when flying Delta)
- Domestic Partner Lounges
Hotel Benefits
Avail complimentary benefits worth Rs. 37,000 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 Wi-Fi or special amenities
Also, get 25% off at Taj, SeleQtions and Vivanta Hotels
Membership to Hotel Loyalty Programs
With American Express® Platinum Card, cardholders can get access to top-tier hotel loyalty programs without having to fulfil the usual criteria. The following hotel loyalty programs are included:
- Marriott Bonvoy™ Gold Elite Status
- Hilton Honors Gold Status
- Taj Reimagined Epicure
- Radisson Rewards Gold Status
- Hertz Gold Plus Rewards
Insurance Benefits
| Catagory | Insurance Cover |
| Personal air accident (loss of life) | Rs. 5 crore |
| Loss of check-in baggage, passport, documents | Rs. 50,000 |
| Overseas medical insurance | USD 50,000 |
Wallet protection including fraud protection worth Rs. 15 Lacs
Emergency Hotel and Travel Assistance up to Rs. 2 Lacs and emergency cash in India.
Other Benefit’s
- 1 reward point for every Rs.50 spent on purchases other than fuel, insurance, utilities, and cash transactions.
- 1,000 bonus membership reward points on using the card 4 times for transactions of at least Rs.1,000 every month.
- 5,000 membership rewards points on first year card renewal.
- Convert any purchase of at least Rs.5,000 to easily manageable EMI.
- Exciting offers on booking travel tickets through MakeMyTrip.com.
How to Redeem Reward Point’s
- The Membership Rewards Points redeemable on popular e-commerce websites (like Flipkart), by purchasing e-vouchers from Amex’s online shopping portal, INSTA purchases at offline stores, and also to make credit card bill payments under the Cash + Points program.
- The Membership Rewards Points are transferable to other AirMiles and hotel loyalty programs like Asia Miles, British Airways Executive Club, Club Vistara, Emirates, Skywards, Etihad Guest, Finnair Plus, InterMiles, Qatar Privilege Club, Singapore KrisFlyer, Virgin Points, Marriott Bonovoy, and Hilton Honors.
- You can book hotels, flights, and experiences on Amex Online Travel website and can even pay for fees and taxes with your reward points.
- Redeem points for a range of dining, travel, and entertainment products like electronics, luggage, kitchen accessories, etc. at the Membership Rewards catalogue.
Fee’s and Charges of American Express Platinum Credit Card
| Spend based Waiver | N/A |
| Rewards Redemption Fee | Nil |
| Foreign Currency Markup | 3.5% of the transaction amount |
| Interest Rates | 3.5% per month |
| Fuel Surcharge | Fuel surcharge is waived at all HPCL fuel stations for purchases up to Rs. 5,000, 1% surcharge applicable on BPCL and IOCL stations and 2.5% surcharge applicable at all other fuel stations. |
| Cash Advance Charge | 3.5% of the advanced amount subject to a minimum charge of Rs. 250. |
| Add-on Card Fee | Nil up to 2 add-on cards |
Eligibility to Apply for American Express Platinum Credit Card
| Minimum age | 18 years |
| Employment status | Salaried or Self Employed |
| Minimum annual income | Rs. 6 Lakh |
| Others | An Indian or a multinational bank’s savings or current account in India |
Document’s Required
The following are some of the common documents needed to apply for an American Express credit card.
- Your PAN Card
- Passport
- Driving License
- Voter’s ID card
- Aadhaar Card
- Job Card issued by NREGA
The exact list of documents would be specified by the bank when you apply for an Amex credit card. You can also contact American Express Credit Card Customer Care centre to know about the entire set of necessary documents.
Comparison of Different Cards
American Express Platinum Credit Card v/s American Express Platinum Reserve Credit Card
| Basis | American Express Platinum Credit Card | American Express Gold Credit Card |
| Fee | 1)Joining Fee: Rs. 60,000 (plus applicable taxes) 2)Renewal Fee: Rs. 60,000 (plus applicable taxes) | 1)Joining Fee: Rs. 5,000 (plus applicable taxes) 2)Renewal Fee: Rs. 10,000 (plus applicable taxes) |
| Best Suited For | Travel | Shopping | Travel | Dining | Shopping |
| Reward Type | Reward Points | Reward Points |
| Welcome Benefits | SeleQtions, Taj, and Vivanta Hotels’ vouchers worth Rs. 45,000 | 11,000 bonus Membership Rewards Points on realization of the joining fee, subject to a minimum expenditure of Rs. 30,000 within 90 days of card issuance. |
American Express Platinum Credit Card v/s American Express Gold Credit Card
| Basis | American Express Platinum Credit Card | American Express Platinum Travel Credit Card |
| Fee | 1)Joining Fee: Rs. 60,000 (plus applicable taxes) 2)Renewal Fee: Rs. 60,000 (plus applicable taxes) | 1)Joining Fee: Rs. 3,500 (plus applicable taxes) 2)Renewal Fee: Rs. 5,000 (plus applicable taxes) |
| Best Suited For | Travel | Shopping | Travel |
| Reward Type | Reward Points | Reward Points |
| Welcome Benefits | SeleQtions, Taj, and Vivanta Hotels’ vouchers worth Rs. 45,000 | 10,000 Membership Rewards Points |
American Express Platinum Credit Card v/s American Express Membership Rewards Credit Card
| Basis | American Express Platinum Credit Card | American Express Membership Rewards Credit Card |
| Fee | 1)Joining Fee: Rs. 60,000 (plus applicable taxes) 2)Renewal Fee: Rs. 60,000 (plus applicable taxes) | 1)Joining Fee Rs 1,000 (plus applicable taxes) 2)Renewal Fee Rs 4,500 (plus applicable taxes) |
| Best Suited For | Travel | Shopping | Shopping |
| Reward Type | Reward Points | Reward Points |
| Welcome Benefits | SeleQtions, Taj, and Vivanta Hotels’ vouchers worth Rs. 45,000 | Welcome benefit of 4,000 Bonus Membership RPs can be availed on settling the joining fee of Rs. 1,000 and spending of Rs 15,000 within the first 90 days of the card issuance. |
Apply for American Express Platinum Credit Card
You can apply for the American Express Platinum credit card online on their official website.
All you need to do is select the Platinum card from the list of cards and fill a form with your personal and financial details, and submit the same online.
You will also have to submit identity proof, address proof, and proof of income to verify the details entered by you. If your application is approved, your card will be mailed to you at your address.
Check American Express Platinum credit card status
Online
to check your American Express credit card status online you need to have a smartphone/PC and a stable internet connection. moreover, you can follow the simple steps below:
- go to the American Express India application tracker by clicking – americanexpressindia.co.in/apptracker
- now, enter the requisite details like your application reference number and registered mobile number
- after entering these details, click on submit to get your credit card application status
Offline
If you do not have a stable internet connection, you can also check your American Express Platinum credit card status offline by visiting the bank or calling the customer care department of the bank.
To check the application status, you need to have your application reference number or your registered mobile number handy.
Via Customer Care
To check the American Express Platinum Credit Card Status You can call the customer care through the numbers given below.
Generate Pin
Amex App
Amex App is a user-friendly app that has an easy-to-understand interface. It allows you to create a PIN in 3 easy steps. Keep on reading to know the steps on how you can create your Amex credit card PIN through Amex App.
Step 1: Download the Amex mobile banking app and log in to your account.
Step 2: Click on the Account tab and then on the Manage Card Pin.
Step 3: Select the Create PIN option and complete the pin setup procedure.
From this method you can generate PIN for American Express Platinum Credit Card.
Change Pin
Amex App
The Amex credit cardholders can use the Amex app to change their credit card PIN as many times as they want. There is no set limit provided by American Express as to how many times you can change your credit card PIN.
Step 1: Open the Amex app and log in to your account.
Step 2: From the Account tab click on ‘Manage Card PIN’.
Step 3: Now select the ‘Change PIN’ and change your credit card PIN.
American Express Online Services Account
With an online service account, you can change your credit card PIN from anywhere and at any time. It is convenient to use and less time-consuming. For this method, you must have an internet connection. Hereunder are the steps to change your credit card PIN using American Express Online Service Account.
Step 1: Log in to your internet net banking from the American Express Official Login Page.
Step 2: Go to the Account Management tab and click on the Change PIN option.
Step 3: Change your PIN.
From these methods you can change PIN in American Express Platinum Credit Card
Customer Care
Contact via phone
Phone Numbers: 1800 419 1255, 1800 180 1255, 0124-2801444, 0124-46502
Contact via mail
Email:Customerservicesindia@aexp.com
Conclusion
The American Express Platinum Credit Card is an embodiment of luxury and sophistication, designed to enhance the travel experiences of discerning individuals. From exclusive airport lounge access and travel benefits to generous rewards and personalized assistance, this American Express Platinum Credit Card credit card is a true companion for those seeking a higher level of service and a touch of extravagance.
While the American Express Platinum Credit Card comes with a higher annual fee, the numerous benefits and privileges it offers far outweigh the cost for frequent travelers and individuals who appreciate the finer things in life. If you value exceptional experiences, unrivaled rewards, and impeccable service, the American
F.A.Q’s
Is it hard to get American Express Platinum Card?
Yes, it is hard to get the American Express Platinum card because applicants need a 700+ credit score and a high income to qualify for approval. But if you have at least good credit and make a lot of money, you have a decent shot at getting approved.
What is the limit of American Express Platinum Credit Card?
If you have a Consumer or Business Green, Gold or Platinum Card, your Card does not have a credit limit.
What’s the annual fees for the American Express Platinum Reserve credit card?
First year Fee: Rs.5,000 plus applicable taxes. Second year onwards: Rs.10,000 plus applicable taxes.
Is the option to convert purchases into EMI available with American Express credit cards?
Yes. Any transaction above Rs.5,000 can be converted into EMIs. Nominal interest rate flexible EMI tenures of 6 or 12 months will apply.
What are the requirements for American Express Platinum Credit Card
While there is no set score needed, we recommend you have a credit score of at least 670, 2 years of clean credit history, and an income of at least $50,000 per year to apply for the American express Platinum card
How many American express Credit Card are there?
There are 4 american exchange platinum credit cards
How much income should we have for American Exchange Platinum Credit Card?
If you make nearly $100,000 a year and have good credit, you should have no issue getting approved. But, applicants with annual incomes as low as $40,000 have also been approved if they have a low debt-to-income ratio and pay their other credit cards in full every month.
Does American Express Platinum Credit Card work in India?
The American Express Platinum Card is the only card in India offered at an annual fee of INR 70,800 per annum. It qualifies to be the most expensive credit card in India. No other premium category cards come close to the price at which this one offers.
Which American Express Credit Card is Higher than Platinum?
The American Express Centurion Card, colloquially known as the Black Card, is a charge card issued by American Express. It is reserved for the company’s wealthiest clients who meet certain net worth, credit quality, and spending requirements on its gateway card, the Platinum Card.
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