Amex Platinum Reserve℠ Credit Card

by American Express · Updated October 2026

Premium card with domestic & international lounges and golf access.

Best for Lounges & lifestyle · Lounges + golf

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You'll apply on the official American Express page. We never ask for your details.

Joining fee₹10,000

Annual fee₹10,000

Fee waiverNone

Lounge accessDomestic + international

UPINo

Key benefits

Domestic & international airport lounge access

Complimentary golf games

Taj, Marriott & fine-dining benefits

1 MR point per ₹50 spent

Rewards by spend category

Approximate value back on every ₹100 you spend.

Online shopping1.2%

Groceries1.2%

Food delivery & dining1.2%

Travel & flights1.2%

Everything else1.2%

Fuel–

UPI scan & pay–

Bills & recharges–

Pros

International lounge access
Golf and lifestyle privileges
Hotel and dining benefits

Cons

₹10,000 annual fee
Modest base reward rate
Amex acceptance is limited at small merchants

Is the Amex Platinum Reserve℠ Credit Card worth it?

The Amex Platinum Reserve℠ Credit Card is worth it if you spend a lot on online shopping (1.2%) and groceries (1.2%). There's no spend-based fee waiver, so make sure the benefits you'll actually use are worth more than the ₹10,000 annual fee. It's less suitable if ₹10,000 annual fee.

Featured in: Best Travel Credit Cards in India · Best Premium & American Express Credit Cards in India

Compare: Amex Platinum Reserve vs Amex Platinum Card

Eligibility & documents

Age

21–60 years (salaried), up to 65 (self-employed)

Income

Regular income; the bank sets the minimum

Credit score

750+ gives the best approval chances

Documents

PAN, Aadhaar, and recent salary slips or ITR

How to apply

Tap "Apply now"You'll be taken to the official American Express application page.
Fill in your detailsPAN, income and address. Most applications take under 10 minutes.
Complete KYCVideo KYC or Aadhaar e-KYC, depending on the issuer.
Get your cardApproval usually takes 2–7 working days, and some cards are issued instantly.

Apply now