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American Express® Platinum Reserveˢᵐ Credit Card

The American Express® Platinum Reserve℠ Credit Card is designed for premium travelers seeking luxury and convenience. It offers free memberships to Taj Epicure and Accor Plus, 12 domestic lounge visits annually, and up to 20% discounts at partner restaurants. The card comes with a first-year fee of ₹10,000 plus taxes.

American Express® Platinum Reserveˢᵐ Credit Card

About American Express® Platinum ReserveSM Credit Card

The Platinum Reserve Premium Credit Card is a high-end offering designed for frequent travelers and lifestyle-focused consumers. It provides value-back across various spending categories, helping cardholders maximize benefits on their overall expenditures. This card includes exclusive hotel membership perks, allowing users to save on stays at select properties. Additionally, it offers both domestic and international lounge access through a Priority Pass membership, ensuring a comfortable travel experience.

A monthly milestone reward of Rs. 1,000 adds to the card’s overall value, which can total up to Rs. 12,000 annually for those meeting the Rs. 50,000 spend threshold. These monthly spends can also unlock premium lifestyle perks such as golf benefits. The primary drawback is its modest reward rate, which may offer lower core value-back compared to other premium or even mid-tier credit cards. While additional benefits are attractive, the basic rewards on regular spends are relatively limited.

Rewards Program & Travel Perks

Rewards Program

  • Earn 1 Reward Point for every Rs. 50 spent.

  • Earn 5X Reward Points when shopping with select premium brands via the Reward Booster feature.

  • Earn 3X Reward Points on over 50 partner brands through the Rewards Multiplier.

Reward Redemption

  • Redeem points for products, vouchers, or travel bookings, with 1 Reward Point valued at Rs. 0.25.

  • Transfer points to airline and hotel loyalty programs at the following rates:

    • Airlines: 2 Reward Points = 1 Airline Point

    • Hotels: 1 Reward Point = 1 Hotel Loyalty Point

    • Premium Hotel Chains: 1,000 Reward Points = 900 Hotel Points

Travel Benefits

  • 12 complimentary domestic airport lounge visits per year (maximum 3 per quarter).

  • Access to international airport lounges twice per year through a premium lounge program.

  • Hotel perks including $100 credit and complimentary room upgrades on stays of 2 consecutive nights or more.

American Express® Platinum Reserveˢᵐ Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

Other Features & Benefits

In addition to fuel savings, cardholders can enjoy a range of rewards and welcome benefits:

Reward Points on Everyday Spending:

  • Earn 5 reward points for every Rs. 100 spent on groceries, department stores, dining, and entertainment, with a monthly cap of 5,000 points.

  • Earn 1 reward point for every Rs. 100 spent on other retail purchases.

Welcome Bonus:

  • Get 2,000 bonus reward points (equivalent to Rs. 500) upon paying the joining fee.

American Express® Platinum ReserveSM Credit Card: Fees & Charges

Fee Type Amount
Joining Fee Rs. 10,000 + Applicable Taxes
Annual Fee Rs. 10,000 + Applicable Taxes
Finance Charges 3.5% - 3.99% p.m. (42% - 47.88% p.a.)
Late Payment Charges 30% of Min. Payment Due (Min. of Rs. 500 & Max. of Rs. 1,000)

American Express® Platinum Reserve Vs. HDFC Infinia Vs. ICICI Emeralde Private

Category Amount (in Rs.) Points (Platinum Reserve) Points (Infinia) Points (Emeralde Private)
Apparel 20,000 400 666 600
Groceries 25,000 500 833 750
Travel 20,000 400 666 600
Dining 10,000 200 333 300
Entertainment 5,000 100 166 150
Other 20,000 400 666 600
Total 1,00,000 2,000 3,330 3,000

Before You Apply

Who Should Consider This Card:

  • You have high monthly expenses and can comfortably meet the Rs. 50,000 spending threshold.

  • You value complimentary hotel memberships with exclusive discounts or free stays.

  • You already hold a rewards credit card but want additional perks for your preferred spending categories.

Eligibility Requirements:

  • Minimum Age: 18 years

  • Occupation: Salaried or Self-Employed

  • Minimum Annual Income: Rs. 6 Lakh

Steps to Close American Express® Platinum Reserveˢᵐ Credit Card

Closing your American Express Platinum Reserve credit card is straightforward if you follow the proper steps carefully. Here’s a detailed guide:

Step 1: Settle All Outstanding Balances
Ensure that your credit card account has no pending balance, including interest, fees, or EMIs. American Express will not process a closure request until all dues are fully paid.

Step 2: Redeem Rewards or Cashback
Before closing your card, redeem any reward points, cashback, or other benefits. You can do this via the American Express online portal or by contacting customer support. Any unredeemed rewards may be lost after account closure.

Step 3: Contact Customer Support
Call the American Express customer care team. The phone number is available on the back of your card or on the official website. You will be guided through the account closure process.

Step 4: Complete Identity Verification
Be prepared to provide personal details such as your full name, address, date of birth, and the last four digits of your Social Security number (or PAN in India). You may also need your credit card number and account information.

Step 5: Provide Card Details for Closure
Share the details of the specific card you want to close, including the card number, expiration date, and the name on the card. You may also be asked for the reason for closure.

Step 6: Confirm Closure Request
Follow the instructions provided by the customer care representative to complete your card closure. You may need to provide additional information or take extra steps to finalize the process.

Step 7: Destroy or Return Your Card
Once the card is officially closed, either cut it into multiple pieces and dispose of it safely, or return it to American Express if instructed. This prevents unauthorized use.

Step 8: Verify Your Credit Report
After the closure, check your credit report to confirm the account is marked as closed. This ensures there are no pending charges or errors related to the card.

Step 9: Explore Other Options
Before closing, consider alternatives such as transferring the balance to another card or upgrading/downgrading to a different American Express card that better suits your needs. Customer care can provide details on available options.

Step 10: Keep Records
Maintain records of all communications and confirmation documents related to the closure. This can help resolve any issues that may arise in the future.

American Express® Platinum Reserveˢᵐ Credit Card Helpline Number

Here’s the American Express® Platinum Reserveˢᵐ Credit Card Helpline Number for India based on the official contact page:

Customer Care (India):
📞 1800‑419‑1030 (Toll‑Free) / 0124‑6736660

You can call these numbers for support with credit card services such as billing inquiries, reward points, payments, lost/stolen card assistance, and closure requests related to your Platinum Reserve card.

FAQs

Does this premium credit card offer purchase protection?

Yes, the card provides purchase protection. You can claim a refund for items that are stolen or damaged due to fire, flood, earthquake, storm, or other covered events within 60 days of purchase.

Yes, purchases of Rs. 5,000 or more can be converted into easy EMI. You can request the merchant to convert the transaction into EMI at the time of purchase.

No, fuel transactions do not earn reward points. However, you can avail a convenience fee waiver: 0% on fuel spends up to Rs. 5,000 and 1% on spends above Rs. 5,000 at select petrol stations.

Reward points can be redeemed for travel, dining, accessories, and more through your rewards account. You can also use points to pay your credit card charges, giving you extra flexibility.

Yes, if your card is lost or fraud occurs, report it within 3 working days to minimize liability. Reporting after 3 days may limit your liability to Rs. 1,000. Prompt reporting ensures maximum protection.

You can apply online by filling out the application form and submitting the required documents for verification. Once your details are verified, your application will be processed by the bank.