American Express is known for their premium credit card services across the globe. If you’re looking to experience the most premium credit card offering from such an issuer, you’re at the right place.
American Express Platinum Card that’s issued as a metal card is a super premium credit card from American Express India known for their premium travel benefits. Its a charge card, hence no pre-set limit to it. Here’s everything you need to know about this card,
Table of Contents
Annual Fees
| Joining/Annual Fee | Rs.60,000+GST |
| Welcome Benefit | 100K MR points (or) Rs.40,000 Taj vouchers |
| Renewal Benefit | Varies from time to time |
| Eligibility | 15L for Self Employed / 25L for Salaried |
100K points is always better over 40K Taj vouchers as it definitely makes sense for the fee paid. You can easily get more than 50K value out of it by transferring them to Marriott Bonvoy, among other options.
Note that, every once in a while American Express also sends you targeted upgrade offers for the platinum card with better welcome bonus like 125K MR points. You’re lucky if you get one!
Credit Limit
Even-though its a charge card and comes with no-preset limit, it still has internal limit or shadow limit which is more like a credit limit, except that it keeps increasing based on your re-payments.
Usually the limit starts with north of 10 Lakhs, however you will still be stuck with ~3L or so (based on financials & Credit report) for first few weeks until the system learns more about your spend pattern.
Reward Points
- Earn Rate: 1MR Point per Rs.40 Spent
- MR Point Value: ~50Ps to 1Rs
- Reward Rate: 1.25% to 2.5%
The above reward rate is calculated only for Marriott Points transfer based on my personal experience. I have got a value of even Rs.3/point at times but its tough to put a static value on it generally.
It may get you different reward rate based on how you redeem your points. Here’s how to Maximize Your American Express MR Points Value
You get accelerated 3X points on international spends, but not to forget, you’ll still be charged 3.5%+GST markup fees.
Yet, considering the peace of mind that Amex gives you with their Zero lost Card liability, its better to swipe Amex over other cards when in foreign land.
Airport Lounge access
| Domestic Lounges | Complimentary, Unlimited |
| Amex Lounges | Complimentary, Unlimited |
| Priority Pass Lounges | Complimentary, Unlimited |
| Delta Lounges | Complimentary, Unlimited |
- Domestic Lounges: Both primary and supplementary card holders get unlimited lounge access to most of the domestic airport lounges located in India. These are affiliated lounges and not owned by Amex.
- Amex Lounges: You get unlimited lounge access to the Amex lounges across the globe like Mumbai Amex Lounge. You also get access to the Centurion lounges as well.
- Priority Pass Lounges: You get unlimited access to the 1200+ priority pass lounges across the globe. Note that only one supplementary cardholder can be enrolled for priority pass lounge access benefit.
- Delta Lounges: Apart from the regular lounges, the additional advantage of this card is, you can also access Delta lounges when you fly with Delta Airlines. This may come handy if you’re flying inside USA.
Note: You may need to request for Priority Pass after getting the card. It took about about 4 months to arrive from HongKong.
It was delayed for me due to covid during mid 2020, but for others it should come within a month or so. However, a digital priority pass will be available instantly, if required.
Elite Tier Benefits
The Platinum Card gives you grand set of elite tier benefits that you can enjoy as long as you hold the platinum card.
Marriott Bonvoy
- Status: Gold Elite
- Value: Rs.20,000
This is the most important benefit you get with the platinum card. The combination of Gold Elite status & 100k welcome bonus points makes this card highly valuable.
Considering you stay 10 nights a year with 5 successfull upgrades, you can get minimum of Rs.20k value from this.
Hilton Honours
- Elite Tier: Gold
- Value: Rs.10,000
This is yet another amazing hotel loyalty program which I’m yet to explore. Remember Gold tier gets you complimentary breakfast benefit.
If you do 5 nights a year, you can easily get Rs.10k value with breakfast benefit alone. If you put a value on upgrades, then you could save a lot more.
Shangri-La Golden Circle
- Elite Tier: Jade
- Value: Rs.20,000 (Considering Taj benefit)
I don’t have a good impression on this brand after my experiences at Shangri- La’s – Eros Hotel, New Delhi few years ago, yet that could be property specific.
They do have some amazing properties across the world and the gold status should help you get better treatment, including complimentary breakfast.
Taj Innercircle Gold: As Shangri-La gives reciprocal benefits to Taj, you can get Taj Innercircle Gold with Shangri-La Golden Circle Gold.
This gives you a LOT of value if you’re a fan of Taj hotels like me. You can enjoy Early check-in (even 9AM), late check-out, 20 room upgrades and many more.
If you do 10 nights a year with Shangri-La & Taj, you can easily get a minimum of Rs.20k value.
Taj Innercirlce
- Elite Tier: Silver
The Platinum Card also gives you Taj Innercircle Silver tier directly, which is not a big deal anyway.
Note that this maybe limited to only primary cardholder as its a physical application form that you need to send to Amex for processing.
Radisson Rewards
- Elite Tier: Gold Elite
I’m not into Radisson as I don’t usually like their loyalty program after getting addicted to Marriott. But if you’re someone who’s already a loyal member to Radisson, it does help you with room upgrades & more.
Golf Benefits
Enjoy complimentary access to 32 Golf Courses in India in addition to complimentary golf lessons at select Golf Courses from professionals.
Dining Benefits
- EazyDiner Prime
ITC Club Culinaire(ends by 22nd June, 2019)- Taj Epicure
Platinum Concierge
American Express India has about 200 dedicated employees handling the Concierge services for both Platinum & Centurion Cards. They’re broadly divided into travel & lifestyle. More about them here:
Travel Concierge
As American Express was once actually a travel company, expect great travel offers with them, as below:
- Visa Services
- Discounts on Business Class Revenue rates
- Complimentary First Class Upgrade on Etihad
- Complimentary Taj Vouchers on Intl travel booking
Lifestyle Concierge
They can do pretty much anything under the sun with their Do-Anything Platinum Concierge.
This is perhaps the most important but less-valued benefit. In most cases you need a lifestyle of its own to get value out of it.
However, you can also use them to delegate small works that could save you time. That’s how I use them.
My Concierge experience: I’ve sent them over 50 requests in last one year and what I’ve noticed is that they were under-performing in 2019 but surprisingly the response is super fast and good in 2020, especially during Covid-19. More in detail on this shortly, if you wish.
American Express Invites®
A unique programme that gives Platinum Cardmembers the chance to purchase tickets to some of the most popular events, often before they go on sale to the general public.
Companion card
With Amex Platinum, you can choose one of the other Amex credit cards as a companion card which remains free for life as long as you hold the Platinum Card.
Usually Amex Reserve is given as a companion card but if you would like to maximise the value, Amex Platinum Travel card is the best one (if you prefer plat travel benefits).
Supplementary Cards
- 4 Supplementary cards
- 1 additional card for Business Expenses
You can get up to 4 supplementary cards, which are also metal cards with your American Express Platinum charge card.
Supplementary card holders can also enjoy most of the above benefits that a primary cardholder enjoys, including the hotel privileges.
Don’t forget to apply supplementary cards during the offer period as they run some wonderful offers like: you can get Rs.2000 Amazon Voucher per Supp. Card on the Platinum Card.
Unboxing
I’ve unboxed 2 Amex Platinum cards, one in 2019 (supp. card) and the other in 2020 (primary card). Feel free to check out the links for the detailed unboxing.
Renewal
The welcome bonus of 100K MR Points is great for the first year without a doubt. For 2nd year though, it depends on the renewal offer you receive.
Many card members that renewed during Covid-19 got very good retention offers which makes sense to hold on to the card.
Is it Worth 60k+GST?
- Short Answer: Absolutely!
If you can afford the fee, there is no reason that could stop you from getting one. You anyway get equivalent benefits through hotel membership, ongoing offers, spend based offers, etc.
FYI, with 100K Points, you can easily get about 13 Nights stay in Cat. 1 Marriott hotel.
To sweeten this, you can also get another 10K Referral Bonus Points by applying through the link below. That’s one extra night!
Bottomline
- Cardexpert Rating: 4.5/5
Overall, it’s an amazing card for someone who loves premium experiences in life.
It’s not just a card for you, but more of a family card, as you may share the Supp. Cards with other family members too so they can enjoy almost all the benefits as you do.
I feel 2020 is the right time to get it, because during this time you can also enjoy the non-travel offers too. I got this card recently in 2020 and here are 3 reasons why I got it amidst Covid-19 pandemic.
What’s your take on the American Express Platinum Charge card? Feel free to share your thoughts in the comments below.
Isn’t it excessive even for upper-middle class credit card users to pursue this card? I personally feel paying a high joining fee to get this card makes a lot of sense for entrepreneurs who can afford to write off the joining fee as an expense and those who get reimbursed for corporate travel wherein they can rack up nights with one of the international chains at the their employer’s cost. This is just my two cents. I am sure that others would view this card from different perspectives.
Totally depends on one’s lifestyle.
It does work for Salaried too. You can consider like paying for a vacation and you get the card for free, as a super premium card member would anyway spend 70K a year on hotels if they do 2/3 short vacations. Again, yes, its only for very small target group.
How to use the card as in case of booking Hilton properties from India ?? Is there any hidden charges that are needed to take care of??
I guess no offical renewal offer ?
What offer people got give some idea
Thank You & Good Day
Dear Poornith,
How can the joining fee on American Express be written off as an tax deductible expenses, have you personally done this? I would like to add it to my ITR if this is possible!
Thanks in advance.
Regards,
Venkatesh
Well, i got welcome points of 1,25,000 points. I transferred 80k points to marriott. I got Rs 1,12,000 value in 80k points. I booked in Dubai. During new year time, dubai hotels get extremely costly, but NOT when you book in points. In point booking, rate remains the same for a hotel. I still have 45k points left.
It totally depends on timing, tours you do etc.
how did you get 125K welcome points? Any specific referral link?
Sometimes such offers do come for people who are already having American Express cards. I got such an offer too, but I did not take it as I do not find this card worthwhile for me. HDFC Infinia is enough for me.
Additional value drivers:
Golf lessons – This can fetch you between Rs 1500 to Rs 3000 in value per month (if you were to avail the two complimentary lessons). Green fee waivers can increase the value a lot.
Taj Innercircle is actually Gold, as you can status match with Shangri-La Golden. Also you will get Silver status in Singapore Airline (with a promise of Gold after three flights with them).
Adding to your note on ITC culinaire membership. This comes with a set of vouchers (typically 50% off on buffett, 25% to 20% off on a-la-carte, and some more vouchers for Wills Lifestyle). What more the ITC membership gets you 25% as ITC Green points for dinning at ITC and 37.5% points on Fridays, and your birthday week. You can get at least Re 1 value of the ITC Green Points, or can convert to Marriott Bonvoy and get 1.5 Marriott points. Additionally you will get Rs 4000 worth discount codes at Wills LifeStyle for your birthday and anniversary months (not sure what happens if they are in the same month). That’s not all, you will often get 5X points on your purchases at WLS. That is 25% off. Last Diwali I used this to get 58% off on fresh merchandise (5X from ITC, and 33% from HDFC DCB for shopping between 5 pm and 9 pm).
Also there are dinning benefits: ‘Taste of Platinum’ that has been discussed before and IAP (Amex Guy has great documentation on the same)
Thanks for additional inputs. Looks like you’re visiting ITC often. 🙂
wow! amazing list of benefits of ITC. Thanks
I just paid my son’s education fee through this card and enjoyed 2x the points. Had initially faced a lot of hiccups with this card and had escalated it….Issues were resolved to an extent. Used this card to get a 25% discount on Taj Room Nights and the offer is still valid till 30th Sept 2019
Big jackpot for you to get all the elite hotel and dining membership benefits as a supplementary card holder 🙂 Would be a huge benefit since you travel a bit.
Yet, I prefer only Marriott where I’m already Gold Elite. So not a big benefit unless I stop being loyal to Marriott. Let’s see 🙂
Sid,
you may want to expedite to BonVoy Platinum by calling the helpline & taking up the Plat challenge.
16 nights in 3 months gets you to BonVoy Platinum.
Cheers
Neo
Yes, thinking about it for a while.
Pretty sure supps do not get dining memberships. Taj is for main card holder only, and ITC is for main card holder and his/her spouse (doesn’t have to be a supp). EazyDiner/Taste of Platinum/Amex Network Dining are for everyone.
Considering how hard it is to review this card, great job! While some things that I’d like to add:
1. Taste of Platinum is very handy and does add a lot to the already decent dining options — ITC + Taj + EazyDiner.
2. Shang Jade is much more valuable than I initially thought. 3 welcome drinks, and those things are expensive at their hotels! Shang hotels are great outside India.
3. You completely missed FHR. On average, Plat members save $550 a year. But essentially, guaranteed room upgrade, $100 credit/dinner, guaranteed late checkout and early check in at an insane collection of upper end hotels. They also have a hotel collection that gives $75.
4. Accelerated *A gold. You can match Shang to Singapore Air and get silver status. Take 3 flights and you have gold.
5. I would not value Bonvoy status at 20K anymore. Personally, Hilton Gold is far more valuable than Bonvoy. It used to be much more valuable with SPG still around.
6. There are a lot of interim offers. Currently they have 25% off (up til 1.5 lac per transactions) at 29 luxury brands. Depending on your lifestyle, that’s a lot of cash value.
7. The new dining reservation program with concierge is great, especially if you’re booking high demand places.
8. Plat Emergency services. If you are traveling, this includes emergency airlift, legal advice and counsel support, $8K emergency medical cash, $1K emergency cash anywhere. On top of that if you withdraw cash and call amex that it was an emergency, they bill it as spend not cash advance. You also get travel insurance 5 times a year (pointless if one also has Prestige).
9. Priority Pass, unfortunately, does not allow free usage domestically. Which is why I never carry it. It is, though, issued directly by PP and is not bank managed, so you can download a digital version on Apple Wallet and always have a backup card on you that way.
10. Discounts with Platinum Travel are available on economy and PE as well, not just business and first. Depends on airline. It’s on the website.
11. Golf program has a minimum flight of 1 on weekdays. Which means on weekdays you do not need to know a member to book. A glaring difference between Amex and others.
12. Emergency home services. Amex covers two home repair visits, up to 1500 INR in case of broken appliances, repairs or other home emergencies.
That’s just of the top of my head.
Yes indeed. It needs a shift in mindset to review this card 🙂
Thanks again for adding valuable points.
3. I’ve been exploring this during my last trip to Vietnam but couldn’t find much of a value, and so I skipped. Will probably add it. Do you have any specific hotels in mind where you get exceptional value in SE Asia with FLR?
5. But I find a lot of options with Marriott in the places I travel over Hilton and so I’m sticking to Marriott.
8. Emergency services applies even if we don’t book flights on the card?
12. This is surprise. Never even heard of it. Have you tried it?
Thanks again!
It is there in the Card Agreement document. And for item #12 it is 1,200 INR. It is available online and I had read the card agreement end to end before signing up..:-)
I need to print this in bigger text to read all of it. 😛
3. Yes, it is a hit and miss on revenue comparison. Usually you derive lesser value on FHR in Asia because hotels are cheaper and offer a dinner instead of $100 property credit. But it’s still always worth checking. I use it now to book St. Regis Mumbai for example. FHR rate is usually 700-800 more, but I get a breakfast for 2, dinner for 2, upgrade to suite and late checkout, none of which Bonvoy Gold any longer fetches me. So a win there. I do have some options in mind, which city are you looking into?
5. It depends on loyalty, yes. But Gold status itself is not much valuable. It does not give you guaranteed 4 PM (it did with SPG), guaranteed breakfast, guaranteed upgrade to next cat(it did with SPG) nor the exec lounge access. All of which Hilton Gold does. So, status to status comparison, Bonvoy Gold doesn’t have inherently as much value as Hilton, which is more comparable to Bonvoy’s Platinum now.
8. Yes.
12. Have not tried it. Waiting for summers and the AC to do it’s thing lol. Here is how one learns about all emergency protection
Emergency services are insane. If you’re traveling alone and need medical supplies, they are there. If you get hospitalized or seriously injured, they can fly your family member to your bedside, or your doctor in extreme cases. If your trip delays due to sickness, they cover a hotel room up to $200 a night.
Amex also just went in partnership with CPP which insures every card in your wallet, not just Amex. The usual plan you can buy for fraud protection up to 3 lacs (for 3K a year). The one you get with Plat is up to 25 lacs. They also have emergency cash and more India related services. Haven’t explored or activated it yet.
3. Okay, I get it.
Any city. If the hotel is good enough, with good tourist attractions around, I’ll go there 🙂
12. Interesting, will check them out.
Amex Guy that’s a helpful link regarding the emergency platinum assist.
Is it the same concierge folks who will handle these requests, or is there a dedicated team for this or is it outsourced?
Hello Amex Guy, like sid; I just got the plat charge card. Could you give your take on this versus ICICI’s Emeralde card?
PS: Sid, you should do a new comparison with such exclusive cards. I feel ICICI Emeralde is a good card with respect to cost benefit ratio.
I’d love your and Amex guys take on this.
Cheers
Hi Amex Guy,
Thanks for the valuable inputs. Could u clarify that if one books a Marriott hotel(say St. Regis Mumbai) through FHR, does one accrue Marriott Bonvoy Points? Also, the same question for the Hotel Collection.
I too enjoy Marriott service and being a Platinum member since last 3 years able to retain it. Luckily during lockdown they extended my Platinum status till Dec 2021.. They always upgrade to suite and also give complimentary BF or welcome drinks/platter with personal hand written note by Hotel manager. They really make you feel special.
Hi Sid/Amex Guy,
thanks for the review. I was/am considering getting the amex plat just noticed that trf partners both airlines and hotels for the India card have far poorer transfer ratios than the US e.g. US Amex MR trf to airlines at 1:1 and to hotels like hilton at 1:2. For India,apart from fewer options, ratio is 2MR:1mile and hilton at 1MR:0.9. Only MR>Marriott is 1:1 both places. This probably makes redemption of MR for airline mile fairly poor value (half of the US values). Wondering how best to utilize the MR rewards that I will get since I’m a leisure traveller and will never stay in a cat1 hotel anyway (probably cat5 or higher). Also seems shangri-la, taj epicure and taj warmer welcomes gold tie ups/ cascading benefits are due to end by 1apr21? How does one then get any value from the card?
Amex guy,
Ah, was waiting for your comments..:-)
I had the platinum charge card for two years. Cancelled it and staying loyal to my Infinia. Hands down the Infinia is better. While I do travel a lot and stay in many of the hotels Amex has tie ups with, upgrades and deals are “subject to availability”. I have been a victim to this and booked a stay at St.Regis abroad but didn’t get the upgrade as planned.
With Infinia I know that my returns are guaranteed in my kitty, with Amex there is a lot of ambiguity. I am averaging close to 8% rewards every month on Infinia by utilising 10x,5x sort of offers regularly. Moreover, whenever I had checked with Amex concierge for hotels and flight deals, I found that my travel agent had better deals and if I evaluated smartbuy 10x it also beat it hands down.
Plat is definitely not for rewards game but for experiences that are generally out of our reach. Leaving aside the returns you mentioned, it is sad to see that Amex is not consistent is providing those experiences to all customers.
I have to agree. I use the Infinia and the Platinum and the rewards I get out of the Infinia give me much better value. My Amex is up for renewal this month for the 3rd year and I am wondering if I should renew it at all given that no specific benefits are provided for the renewal and some of the benefits I received when I signed up initially (Vistara Gold Tier and ITC Culinaire) are no longer available.
Would you recommend getting the corporate version since that gives points for utility spends as well ? Assuming benefits would remain the same except for the earning rate
Yash,
You can get points on utility (or insurance spends for that matter), by just paying through PayTM (or other wallets that accept Amex). Amex sees it as a PayTM expense and gets you the points. You don’t even have to load PayTM beforehand – just use the PayTM gateway. Also you can do the same trick to get MRs for fuel transactions too.
Cheers!
SH
Hey amexguy,
I have been following you and Sid for a while. Really have come to strongly dislike the amex plat. After your advice on using the plat charge as my primary card I was hoping their conceirge improves. Yet again they delivered …. absolute utter failure. Ask wasn’t astronomical. Just a few tickets to Avengers that too 2 weeks in advance.
The conceirge lady called me up and explained why she could not book tickets on book my show!!! Obviously there weren’t any and hence the request. Request remained unfulfilled.
I am definitely not renewing it next year. Prestige and diners provide far better value and service.
‘ targeted upgrade offers for the platinum card’ – the link is of Platinum Travel Card and not the Charge card. You’ll have to update.
Changed. Thanks.
“The only reason that you need to consider is the new soft rule by Amex that don’t let you be eligible for the Amex spend based offers once you’re a Plat Card holder.” – Are you sure about this one?
Yes. But this may change anytime as a lot of cardmembers don’t like it.
Due to many indirect benefits, I guess this is one of most complicated card to consider and review.
I personally don’t think would be able to take advantage of this card much due to my lifestyle and considering that I more often than not book via OTA with discounts.
But i am sure for many others, this gives insane value.
Anyway, loved the review..
I bought this card and gave it back in less than a months time, I was misinformed by the sales manager about the card features, I was told that if I go for the 100k points I can book flights and hotels worth 45k, what i was not told that only 25k can be used for international air tickets and hotels while 45k is for domestic use. When I called the concierge sercive for a hotel while I was in Kashmir, I need a room in Gulmarg and they gave me an option of ₹ 1.2 lacs per night at Khyber property in Gulmarg, I mean are you really serious? Can someone spend 1.2 lacs on one night stay? It’s a very hyped card from Amex and their service network is poor as compared to their boasting on the same. The ideal fee of the card should not be more than 15-20k. 60k + taxes could be someone’s one year salary folks, why would anyone waste their hard earned money even if you are a rich? The metal card is all a gimmick and it fools you. I hold Amex platinum and Amex reward card.
Also they bluffed me about the 100k points by saying that it would be credited to my Amex card account after first swipe, I waited for a week and called them back and they said that after I spend 25k it will reflect within 45 days, i mean what did you charge me the fee for? Which means I pay them 60k + gst which is 70,200 then an additional 25k which makes it 95k almost a lac and they i will get maximum benefit worth 45k? Where is the remaining 45k gone? 45k fee for a piece of metal and hopeless service promises?
Just to inform you ICICI bank has launched similar card with 90% same facilities and it’s called the Emerald card with a joining of just 12k which you can pay 1k monthly as an EMI. I took this up with senior manager of Amex and they didn’t have a word to say as my above points were valid.
It’s only a big name so please don’t get fooled by the metal card gimmick please. Just not worth it.
I got the card and thanks for enlightening everyone here about the 25k swipe required. I realized the same when I saw the application popup asking me to spend 25k within a month or 45 days. I do feel this is a downer!
Sid whats your take on this?
It used to be on first swipe, but the 25K requirement has been on the website for over 6 months now. It is also the first sentence on the new paper application, followed my a disclaimer that if you have any other charge cards, they will be cancelled.
You don’t have to book the first hotel they tell you. They have booked even OYOs and FabHotels for me, which they technically cannot, but were courteous enough to call the hotel and book because I wanted to not spend much. Ask. It’s your travel desk, they will help you.
It is also a really bad idea to burn MR points on Amex travel vouchers. You could have booked 1 lac worth of Marriott hotels at the very minimum, especially if booking within India, thanks to GST. Ideally, you should look for 2 years worth of fee back with bonus. Even basic business hotels like Courtyards in India will give you 1.5 INR/MR point.
I can appreciate the fact that Emarald might be a better card for your situation, but you cannot seriously compare Emerald with Plat. It appears to me that you signed up without looking, and are now ready to give it up without looking. The God is in the details. 🙂
Card being metal is not a factor by anyone I know who seriously uses this card. This card could be made of cardboard and I’ll still pay for it every year.
What Amex desperately needs is more training for Plat. Both with sales as well as service teams. Citi has this nailed pretty well. Prestige simply isn’t sold, but sought after with a dedicated team, which also provides service. Amex is making a deep mistake of letting Plat handling in wrong hands.
Kudos your love for Amex and I say that respectfully. Maybe the card has been immensely useful for you. and I’m happy for that. Could you guide others on how you’ve maximized from the card?
I liked this part :
“You don’t have to book the first hotel they tell you. They have booked even OYOs and FabHotels for me, which they technically cannot, but were courteous enough to call the hotel and book because I wanted to not spend much. Ask. It’s your travel desk, they will help you.” — This is functional statement providing applied guidance as opposed to theoretical one. I’ve asked Sid in other thread to collaborate with you to give everyone on this platform a more comprehensive use case for plat charge card.
I must apologise and respectfully disagree with your statement about: “Amex is making a deep mistake of letting Plat handling in wrong hands.” While income is one criteria, it is up to the applicant to understand the benefits of the card and prudence of the sales representative to guide the customer (this can be enforced by Amex). What is for sure is that there is lack of clear applied guidance on how to best use this card. I’ve read blogs where people have claimed they saved ~4,00,000 INR using this card or they have ~2,50,000 accumulating points on their spends. What they easily and sadly purposely miss out is “how”?
I got my plat charge card 2 days after the article went online, I was given an upgrade from Gold Charge and Jet Airways card as I wished to close Jet and consolidate. I have E-Mail from Amex representative who is now my account manager explaining in writing benefits of the cards. He does mention 1,00,000 MR points but has no where mentioned a swipe of 25,000 to get those points. While it is subjective as to on whom does the responsibility fall for checking criteria, I personally in my humble opinion feel Amex rep should have told me about it in the interest of transparency, given the premium placement of the card. Is this a downer for me, personally? No. I had to spend for predefined reasons and I did. Just my two cents there.
Lastly, when Sadiq Dastagir mentioned his experience with Amex plat and pointed towards ICICI Emralde (I am not sure and intrigued as to why ICICI has misspelled it) card, I read up on it. Now based on my limited knowledge (especially in comparison to hobbyist like Sid and passionate person like you) I found Emeralde a more useful “ROI” card. Maybe I’m wrong, heck; let us assume that I am wrong but how do general population who’re getting in to the nick of points, travel and credit cards understand this?
I’d deeply love your and Sid’s views on this. Also, if I may humbly ask Sid to add your points to his review, it may make it more comprehensive.
I think this needs a separate article, as you’ve mentioned and that only “Amex Guy” can write more in detail. Will do comparison article too shortly. In my perspective, If you’re a “real spender” especially on luxury travel & Dining, you’ll get a lot of value.
Reg. 25k spend criteria, Even-though it shouldn’t be a problem for those who are eligible for this card, it’s Amex mistake indeed and they should probably fix that. Infact they can better remove it or, I’ll be more than happy if they give 200k points on 2L spend in 90 days 🙂
Hey Sid, I hope I’m not being interpreted incorrectly. I meant an article by you and Amex guy in conjunction and did not wish you directly or indirectly imply that he should be writing it solely. 🙁
Noted, noted!
Dear Sid, my only concern is that when you pay a hefty joining fee of Rs 70,200 what is the value we as customers are getting from it, at least we should get the entire joining fee back in some form which justifies that kind of amount.
After reading this I won’t even think of going for it. Unless you are filthy rich, fee of 60k plus GST doesn’t make sense at all. In these days of COVID 19 when travelling anyway is at an all time low, MRCC is the best card of Amex. Once things normalise, we can go for travel card. Platinum card may be ok for show off or if you travel abroad frequently in business class and stay in five star super deluxe hotels.
I m self employed and going to file my ITR for this year above 6 lakhs.. Now I m planning to apply Amex cards since the eligibility is 6 lakhs for self employed.. do they go with this year Itr or will they ask for prev years too ? I don’t have 6 lakhs itr for previous years… btw I have few more credit cards since couple of years..
Latest would do.
Should I apply for Amex Platinum Charge Card and I want to know it’s eligibility and I already hold Diners Club Black( Life Time Free), ICICI Diamant Credit Card and recently got ICICI Emeralde for free.
So would Amex give me this card at discounted annual fee or regular annual fee…..
The only way to get Plat free is if you have a private banking relationship with one their partner private banks. Usually the ones who requires 25-30 crore minimum are their partners. If you have a really large portfolio with IL&FS you can try for IL&FS cobranded Plat. Not sure if they will waive the fee, but worth a try.
Other than than, you will be paying the first year fee. Reconsideration will happen on at least 40-60L spend in the first year, depending on their mood. Over 60L, they usually always waive the fee. But there are no promises.
Amex Guy – how do you get so much inside info? Not that I am complaining about all the knowledge that you share so generously, but sometimes I just wonder..:-)
Cheers
SH
My company is on Amex Corporate, just know too many RMs within Amex. Also, Amex HQ is next to my office in cyber city, too many friends there. Can’t say more than that publicly. 😛
Seems amex is withdrawing boingo benefit for plat cards.
That’s enough to do some serious OSINT on you. :p
PS: light humor and in good faith.
@kiran: Indian issued personal Plat never had it. Boingo was always on Corp Gold and Corp Plat.
Hi Shiv
Can you please comment on LTF for diners black (apparently being Imperia doesn’t cut it).
And how do you obtain icici emeralde LTF, (high nrv with ICICI?)
Sidharth.. how stringent is Amex on the eligibility parameters for charge card? I would have income to the tune of 22L this ITR. Would that suffice, or are they stringent on the 25L eligibility factor?
It’s strict for fresh applications. But you could pass through if you get an upgrade offer.
Thanks. I did apply as an upgrade to my existing plat travel card and they approved the card without any documentation.
Please tell how did u get upgrade offer ?
I am using Platinum travel credit card from 1 year .
Any chances that I can upgrade offer for PLATINUM CHARGE CARD
Any tips ?
Got an email. You could call them and ask.
Just call them on customer care and request , they will be more than happy to give you
Amex considers an annual income of above 15 Laks or if you open any of super premium cars . I have the list with me I’ll mail to sid!
What are the renewal benefits on this card. Do we get 100k points on paying renewal fee. If not, how does it make sense to renew by paying 60k plus tax.
Hey Sid, could you please confirm which memberships will continue to be at elite tier until we hold the card? Will it be all of them (six) which are offered as part of the registration page?
I have asked this to Amex, and they said all of them will continue to be at Elite tiers as long as one holds the card.
Not many would know but Amex has this “One Annual Fee” policy (not sure if feature is available for India) where Platinum Charge cardholders will only pay one annual fee of Rs 70.8K and hold a maximum of 3 cards –2 credit and 1 charge. In other words, there is no annual fee for up to 2 more cards so long you pay the annual fee of Platinum Charge card. MRCC+Plat Travel + Plat Charge for Rs 70.8k! Not bad at all especially during renewal where we don’t get any renewal benefits. 🙂
It is there in India as well.
You cant hold Plat Travel with Plat charge and MRCC unless one is a companion card.
Amex allows one companion card with Plat Charge. In most occasions it is the Reserve one, but for some folks (me included) it is Plat Travel. So I don’t need to pay Plat Travel fee as long as I hold the Plat Charge. They refunded the fees on pro rata basis once I got the Plat Charge. Not sure about the second card (MRCC) that you have mentioned. What is the source of your info?
Did you get it with companion card offer? Or, you get got Plat and later added Plat Travel as companion?
Doesn’t matter, Sid. Amex sends companion offer to everyone once a year, if you were not given one on onboarding. Wait for it to pop up in online account if not already given. Or, as in my case, an absolutely useless Reserve card will show up in the mail without asking. (Wasn’t the worst thing though as I got it without CIBIL hit)
If you get it on onboarding, they always ask which card you’d like as companion. Has to be a platinum variant, gold cards like MRCC and Everyday cannot be a Plat companion.
Got it. Btw, I never got the companion card offer till date and I was said once that it was because I’m already holding 2 Credit + 1 charge card.
The companion is only for Primary Plat holder (not add on holders). Also if you have exhausted the 2+ 1 quota, you can still chose one of the existing plat credit card to be complimentary for you.
Dear Sid
In that case, you can ask Amex to make Plat travel card you already hold to be free (as long as you hold Plat Charge card). Please pardon me if I sounded foolish, bcoz I am novice in the world of Amex cards, as I can’t get one here.
Whats the benefit of the Plat travel as a companion card ..only Taj vouchers i guess ?
That and the 7.5k and 10k bonus MR at 1.9 lac and 4 lac spend level respectively. Additionally the Amex spend based offers, and lounge access (one every quarter).
They have the concept of companion card. No offer needed. Platinum travel fee reversed on pro rata basis.
I had the Plat travel card but as soon as fees got charged I asked them to cancel it as had moved all my spend to the Plat Charge Card…They very politely reversed the fee and cancelled the card. I hold the Plat Jet card and the person also told me as Jet is no longer operational we would come out with a new offer as well and the team would help me cancel the card as and when the expiry is near or I can cancel it right away. His ending statement was a little surprising. “As long as you have the Plat Charge Card you do not need any other card”
Does anyone have any data points on how they managed to make use of the International Airline Program with the Platinum card? While the programme has plenty of top-flight airlines in the US, the ones listed for the Indian version of the card aren’t all that hot, if my memory is correct.
I hold the US version of the Amex platinum charge card, I also hold the Diners club Black and Standard Chartered Ultimate cards and the Amex platinum travel card, in India.
To be really honest, the Amex platinum charge card in India is a terrible deal compared to what the card offers in other parts of the world. I hold on to the US version of this card just for that reason, despite being based largely out of India for the last couple of years. For instance, the same card in the US has
1. Travel expense credit on a major airline of choice, up to $200
2. Monthly Uber credits, totaling up to $200 every year
3. Saks 5th avenue credit of $100 per year
4. Reimbursement for TSA global entry membership: about $100
5. Unlimited lounge access: Amex Centurion and Priority pass
6. Doubling manufacturer warranty on all purchases up to an extra two years
7. Purchase protection for damage or theft for up to 120 days after a purchase
8. Primary rental car insurance for all rentals
9. A generally excellent concierge service which has even managed last minute bookings in Michelin starred restaurants booked out months in advance
10. Amex offers on a wide variety of brands and stores
11. Amex FHR benefits
12. Gold status on Hilton and Marriott
13. Free Boingo Wifi
14. Free Shoprunner 2day shipping membership
15. 5X points on travel
16. Zero foreign transaction charge
17. Signup Bonus of around 60k to 100k points
etc.
The fee for the card is $550, but this is routinely offset a bit on calling, as a statement credit for around 250-$300 or so, making the cost around $300 or approx Rs 20k. If you count the benefits, you easily make thousands of dollars on the card every year.
The Indian version of the card though is almost criminally overpriced and offers only a tiny fraction of benefits the same card offers in the US and other parts of the world. I have tried asking AMEX India about the disparities and never really got a satisfactory response.
The differences are so massive that it seems pretty fair for discerning Indian credit card users to boycott the card completely till AMEX India gets its act together, reduces price and increases benefits on its most premium offering to Indian customers. I also hope Indians who have the card already, call out AMEX India and pressure them into making the card better.
That is not quiet right. Here is what the Indian version has that is missing from the US version:
1. Golf benefits
2. Shang, Taj, Hilton, Radisson statuses
3. ITC and Taj dinning programmes
4. Add on cards up to 4 for no additional cost
The IAP and FHR are there for the India version as well.
You can get a lot of benefits from the first four items by strategically using them.
Free Boingo wifi is cut in US.
I agree that the fees are higher in India, and the airline transfer ratio is half of that in US. But if you are transferring to Marriott then the transfer ratio is double that of US. In am saying because here you get 2.5MR for every Rs 100 spend.
But overall with all the credits (travel, Uber etc) the actual cost of holding the US version is significantly lower. But there are pockets of values in India as well.
Hi SH,
How valuable is the FHR on the Indian card? I was researching hotels in Tokyo for an upcoming vacation & found FHR was listing hotels which I had already eliminated due to the budget :P. Also, are there any preferential airline fares for non-business class tickets for airlines not part of IAP?
Looking forward to your inputs on the same
Cheers
Neo
Yet to use FHR. May be others can comment on that.
There are preferential rates for non-business class tickets as well. Discount range is between 5% to 25%, and for SkyTeam carriers the range is up to 30%. Remember discounts will increase as the cost of ticket goes up. From what I know expect 5% to 10% discount on non-premium tickets.
I held the US version too for years before global transferred to India, it used to be $450 then. I think Indian version is better, and I currently hold Aspire Hilton which has been fantastic.
— Indian variant comes with 4 supplementary cards free. You need to pay $175 extra for 3 supplementary members. So the fee of equivalent offering is $725. That’s 50K INR. And you’d still be 1 supplementary and 1 A/C card short.
–All status benefits are same. Indian one is better here actually.
— Indian version comes with 24 golf lessons every year.
— Much stronger service. You know what I’m talking about, Plat line in US has become unbearable now. Concierge in US uses Expedia to book travel. It’s an absolute joke. In India, they are savvy and use a real GDS.
— 52 green fees waivers on golf every year, with minimum flight of 1.
— There is no $39 booking fee for taking advantage of IAP bookings on flights. If you book even 10 flights with Amex to get IAP discounts, you need to add $390 to your annual fee.
–Every card in Amex offerings come with TSA..could never take advantage of it but I can’t imagine this being special to anyone who has Plat.
–There are additional status on Indian card — Taj Gold, Shangri-La Jade, Radisson Gold. This should alone be worth the extra 10K in fee.
–There is practically no dining advantage of US plat anymore. There is enough free wine in India for Indian variant.
— Indian version gets 3X on forex. 5X on airlines would be super though.
— Car rental advantage of US version has been the highlight feature for me, except that CSR simply has better offering for over 2 years now. And Amex didn’t change anything.
–Out of express cash and emergency cash, all Plat emergency services are withdrawn from US card. A sure sign that in US, Amex sees it as a mass market card.
Honestly, I’d rather keep CSR (present version) + Amex Gold (new one) + Hilton Aspire as my personal fav US trifecta. The reality is that to compete with CSR, Amex Plat is now just another card in US when it comes to offerings and service. And the benefits they provide are not for lifestyle, but to entice people who should not have the card in the first place. And the customer service reflects that attitude.
For what Plat is meant for, Indian version is more value offering than US. At least for me.
Re the $39 fee for booking via the Platinum Travel desk, I think they’ve just introduced an online portal for these IAP bookings, which does not involve the fee, and importantly, the hassle of calling the travel desk and feeding them itineraries one by one as they check them out.
And don’t forget the list of airlines you have access to via the US IAP is far better than here in India. The Indian list is heavy on Skyteam and Star Alliance carriers, which, apart from SQ, are not worth shouting about in business class. The US version has top-line One World airlines like JAL, QR, CX and QF, plus the usual *A suspects.
As far as Centurion lounges go, in India, you have just the two, if I’m not wrong, and one in HKG. Unlike in the US, where there are plenty.
The 5x on travel spends is also a massive benefit.
Add it all up and it’s hard to see how the Indian Amex plat is better value at over twice the annual fee, unless you’re maxing out the supplementary card benefits and golf benefits all the time. I guess I’m not considering them a whole lot because they’re not benefits I personally would make much use of.
> Re the $39 fee for booking via the Platinum Travel desk, I think they’ve just introduced an online portal for these IAP bookings, which does not involve the fee, and importantly, the hassle of calling the travel desk and feeding them itineraries one by one as they check them out.
While limiting IAP discounts to only 2 redemptions per year for US Plats. Indian Plat, like US Cent is unlimited redemptions without any fee. But hey, they got Saks socks for free 🙂
>> While limiting IAP discounts to only 2 redemptions per year for US Plats. <<
I don't think this is the case. I've looked at the IAP pages and the Amex Plat t&c for IAP and it does not seem to say this anywhere.
The IAP has 3 faces:
1. BOGO on First/Business class.
2. Auto upgrade to first/business on buying business or premium economy. Usually second to highest fare.
3. Discount ranging from 10-25% on base fare, on flights originating (including round trips) from one’s issuing country.
On US personal plat, option 1 is not available to begin with. Option 2 is available only to be used twice a year with $39 booking fee per ticket (not per use), and in practice always unavailable to plats die high number of cents. Option 3 is available to be used any number of times and also has an option to book online to save $39 fee.
On US Cent, all options re available, with no booking fee, any number of times.
On Indian Plat, all options are available, with no booking fee, any number of times.
You are only looking at option 3 documentation, which only became a part of IAP in mid-2017, and most Plats and Cent who actually had the card before 2017 even associate IAP with it.
One thing I’d want to come to India is bonus points on booking through Amex. Can’t believe they don’t have that yet.
my amex account has been suspended for financial review..been 3 days..review still to be finalized..any idea how much time they take and what is the general outcome?
@Amex Guy, Hi
Can you kindly guide towards BOGO offer, couldn’t see it anywhere on the IAP page or the membership page of platinum. Travel desk doesn’t know about it too.
Aside, can you also please help with the difference of fraud protection of Amex platinum form other premium cards like DCB and Infinia. apart from amount they cover is there any other difference
Thanks in advance
Hello AmexGuy!
I would like your inputs if Amex Plat India has any trip interruption benefits. travel insurance, baggage delay, lost baggage, delayed flights etc etc.
Trying to determine if I should be putting flight charges on Amex Plat India vs. Chase Sapphire Reserve.
Sid & Amex Guy,
After reading your reviews, opted and went in for AMEX PLAT. But within few days, I realized that it’s a much over-hyped card. The true sense of value is somewhat missing. Like I tried booking through FHR, but the prices on FHR were far more expensive than regular travel sites like Yatra. Please shed some light on this .
How do you book some less expensive hotels??? FHR shows only the luxury premium hotels.
Along-with the card came two forms. One for primary card holder and one for spouse. When the primary one asks us the spouse details then why a separate form?.
The priority pass is valid only for Primary holder & 1 additional supplementary card holder.
Further, the sales rep is not at all interested in clarifying or giving information. He considers as deal done and please call customer support.
P.S. The card does feel premium in it’s metal avatar but still 60k + for metal ?????? Think one has to really crack the puzzle to reap the benefits. For me, I am going to return. A tough nut for me to crack !!!!
I also got the upgrade offer and in dilemma whether to go for it or not ?,what is FHR?
Even if you return the card now,will you get back the joining fee?
Received invite to apply for amex platinum charge card, with 1.25 l reward points, any suggestions , I’m not sure if I can apply.
Personally I see lot of people being invited for platinum charge card. I dread to say this but Amex Guy is right that American Express is selling it blindly. Unless you can find good return on investment of 70000 service fees, DO NOT go for the card. There is no point going for something with enthusiasm only to regret it.
Personally, I have gone for it and working on capitilising on the service fees.
@amex guy , BOGO on any airline any sector any biz/F fare ?
ITC club culinary is going way from June 22
amex guy, :
is BOGO available even if you book for others like your parents
I got invited with 125K point and 4×2000/- amazon vouchers for supplementary cards.
My review after using the card.
Only for the people
1. Business people, who spend at least 60lakhs per year
2. Travelers, who travels abroad or across India and stayed in hotels at least 4 trips per year
3. Luxury people, who can enjoy the amex platinum status at airports, golf and hotels etc.
Monthly on avg I used to spend more than 50lakhs to my business with credit cards, In this spends I shared 10 lakhs per month to amex platinum which are large spends more than 3lakhs at single swipe.
The reward rate good, but acceptance of this card is very limited.
My personal suggestion anyone
If annual spends more than 50lakhs
Amex platinum card
If annual spends more than 20lakhs
SBI air India Signature card
If annual spends more than 10lakhs
SBI elite card
If annual spends above 5 lakhs
there are many cards , but choose wisely as per your nature of spends
Amex platinum Travel card (best rewards 20 thousand flight tickets+10k Taj hotel voucher)
SBI Prime card
ICICI Shappiro Card
HDFC Business First
Amex Gold charge
The above cards have best reward rate as per the usage, remaining cards like, Axis, Yes, HSBC, Citi, RBL, IndusInd all are best on special offers
SBI and HDFC has more online shopping offers compared to the remaining banks.
Recently I used the Home Assist service of Amex Plat. For those who are not aware, Amex, through the Platinum Concierge, offers Home Assist for repair works like AC, fridge, plumbing, electrical works etc. They also allow a credit of Rs 1,200 for repair services. My AC needed a repair, so I triggered the Home Assist. The Concierge team got back to me the next day with a list of vendors available for the repair work. Then I randomly picked one vendor and asked them to liaise with them to get the repair work done – with a note saying that per my understanding service worth up to Rs 1,200 was to be paid for by Amex.
This is when the stuff hit the fan. What followed was a frantic series of calls from the Concierge Manager trying to understand where I got the notion that up to Rs 1,200 of the cost was to be borne by Amex. I told them that it is part of the card holder agreement and that information is publicly available. However she asked me to have the documentation sent to her – which I did. There was radio silence for a day – then after almost 36 hours they called me to say that they had spoken top their marketing team and that they would reimburse me for up to the said amount that I was eligible for.
They they took two days to schedule an appointment with the vendors. They called one vendor, and that vendor asked why the client cannot call them directly (“is he such a big shot?”). So they struck that vendor out. Finally they got hold of one and asked me to pay the service charge to him, which Amex would then transfer to my account. The date was set (and I was ready with the flower and the wine), but the vendor failed to show up, and was not reachable over phone.
I escalated the matter , and Amex came back to me requesting me to get the repair done from anyone and they would reimburse anyway. So I got UrbanClap to do the repair. My repair cost was over Rs 6K (I had to get the condenser replaced and refill the gas). I sent Amex the invoice copy, and after seven days the Rs 1,200 popped up in my account.
I am a tad dismayed that Concierge team is not conversant with all the services that Amex has promised in the card holder agreement.
A big thanks to you for sharing this information.
I wish they had higher limit, say Rs.3K & trained employees.
That is news to me…
Is it only for the Platinum Charge or is it applicable for the Platinum Reserve as well?
Thanks SH,
I think you & Amex Guy can hold a refresher training course for the Amex plat team to understand the card benefits in great detail 🙂
Cheers
Neo
Hahahha..
I fully agree and upvote it..
So much hassle for the 1200 credit with the so-called super-premium card. Thanks for sharing your experience, SH. You are probably the first person in the whole country to have used this benefit.
Hi Guys,
Great review and comment. Really helpful. I recently got an upgrade offer to the AMEX Plat. I negotiated the fees and got it at INR35K+Tax. But instead of reward points i’m going for INR30K of Taj Vouchers. I travel extensively but most of my travel is corporate business class so lounge access comes along with that.
I am planning to evaluate it for 1 year from the perspective of intangible services that they offer.
I have one question: What all privileges are extended to the Supplementary card holders i.e Do they get the same lounge access, do they get Hotel privileges? Can they use the concierge services?
It would be great if you can shed some light on the above or point me to any documentation where i can find more information.
As an aside: when traveling abroad, me and my wife will get access to lounge courtesy AMEX Plat. Do i need to pay for my 4 yr old kid or is there a way to get that access complementary as well
Many Thanks
35k + tax on upgrade from a non jet airways variant card ? Or from a jet variant card ? And even at this price , you were offered 125k bonus points or a 30k taj voucher and all benefits of the card ? , 35k for first year or 35k as long as you hold the card ?
I had cancelled my jet airways card long back, but for extending this offered they reactivated it and upgraded it to Platinum. Post that they cancelled the Jet card again.
35k+taxes is locked as long as I hold the card.
After negotiating they only offered 30k Taj voucher
I too took the 35k offer and plan to evaluate it for a year. I hold the Citi Prestige card as well, so a few of the benefits like priority pass, more points on international spends and Taj membership are similar for both cards. I look forward to the Platinum Travel Services and FHR. The metal card is really nice no doubt.
@GGM, from what I know, supplementary card holders do get all the hotel membership and lounge access to the Amex lounges (including Centurion lounge). Priority Pass is limited to one supplementary card holder.
I also think that if you or you wife visit an Amex Centurion lounge, you can each bring along two guests.
Did you negotiate or were your offered this fee?
I was offered this fee.
I negotiated it, having said that I’m a heavy user of Amex travel Platinum for almost last 10 years
So I understand that it is only possible with Centurion Lounge. For other priority pass enabled lounge it would be accessible for just 2 of us.
Thanks
GGM,
I think you got a great offer in terms of fees.
As per your question, all the supp cards get concierge access and hotel statuses. But only one supp card gets the Priority Pass access. So this means that all supp cards can get lounge access within India for free. But only the primary and one supp card holder (who has the PP) will get overseas lounge access for free.
Thanks!
Hey,
I also received the Plat charge card upgrade offer however, couldn’t negotiate discounted fees.
I already own SBI AI Signature, Vistara Infinite & DC Black – All reward points are largely accumulated on these cards.
I don’t see a real world benefit for Platinum Concierge for a regular Joe like me and FHR is practically useless since I’m a Bonvoy Amb Elite & IHG spire.
I only value the Golf Lessons which I’ve been waiting for since DC Black removed this feature but in Mumbai the only Golf Course they have registered for lessons is the one in Thane which isn’t so great and so so far!
Considering my travel patterns, I barely use the Amex India lounges and I don’t see myself using the Centurion lounges more than a couple times during a year.
Also, I don’t see spending 60L or more in a year to be even considered for the renewal waive off !
However, I can’t deny the sheer joy of holding this metal card, it’s more than a subtle flex!
What do you guys suggest I do, should I go ahead nonetheless and try it out for a year or continue my spending on the DC Black?
Not related to your question, but what’s your strategy for the DCB apart from the 10x and 5x partners? Do you put most of your spends on it?
Personally, I find earning and transferring to CV points via the DCB a better proposition than earning CV points through the Vistara Infinite directly. Although the Gold and milestone benefits do help with the Vistara Infinite card.
Nikhil, I use the CV Infinite only for Gold Status benefits. Since 9W grounding, I’ve been left low and meagre ;/
I understand your pain! I’ve been looking to use up my JP miles at the base redemption value of 8500 on Indigo or Air India whenever I can
Hi,
I have used twice the target amount and when I had requested for fee waiver they plainly refused it stating they haven’t given the waiver to anyone till date and she also challenged that it’s a recoded line and I wouldn’t tell something bluntly.
So as far my expierence they would not waive the fees for the 2nd year onwards you have to pay ₹70,800.
Cheers,
Kiran
If you get the 35k offer (for still holding an Amex Jet Airways card) that fee is locked in, meaning your renewal fee will be 35k every year.
For the welcome bonus, you only get 30k of Taj voucher, no points. You do get all the other benefits.
Hi,
Just wondering, what happens if you get the card & decide to cancel it say, 2-3 months down the line ?
is the full fee refunded ?
Also, what happens to elite hotel status? Do we lose that as well.
~Neo
Is it possible to use the Plat Charge to make a discounted booking at Taj hotels and then use a voucher from the Plat Travel offer to make partial payment?
Also, the Plat Taj offer is for the room-only-rate, right? What is the best deal on breakfast/meals?
That 10k voucher can be setoff against room charges and charges to room(room service,spa,etc) except taxes… they dont really care which amex card you book the room through , I suggest using your Plat charge , take a deal on the taj booking , then at reception counter , present the plat travel gift card at the reception , enjoy best of both worlds
Thank you!!
The upgrade process was quite quick.
Accepted the 125K offer on Aug 1. Got no email/sms confirmation so checked with them on Aug 2. They said my offer had expired 30/6, and I had to forward them the email that had the offer valid till 30/9. They approved it on Aug 2. Received the card on Aug 7. Didn’t see a CIBIL hit.
It seems enrollment to the hotel programs is going to take forever in comparison 🙂 The official turnaround, I’m told is upto 6-8 weeks, although apart from Radisson, others are expected to come sooner.
Typo: *Did* see a CIBIL hit. On Aug 5
Hilton Gold and Shangri-la Jade upgrade was indeed fast, and was reflected in 5 days (Aug 9 — Aug 14) on the respective membership pages, not updated on the Amex status page yet. Radisson not processed yet.
Radisson took 2.5 weeks (Aug 9 — Aug 27).
Hi Siddharth,
I recently got a request to upgrade my gold charge card to platinum charge card since my spends in a year exceeds 25 lacs across my three amex cards. I am really skeptical of taking the upgrade offer for 125k bonus points with 60k+ GST as joining fee.
dont upgrade if you are skeptical… i have received upgrade to Plat Charge on my Amex Plat Travel card with hardly 5-6 lakhs spend annually….they keep renewing the offer every month….only take when you feel you can take advantage of the vast perks the Plat Charge offers
I think they are randomly sending upgrade offers, not based on spends. I already hold a plat, and got an upgrade offer to plat based on my plat reserve (which is an LTF companion to plat) on which I have spend Rs. 15 till now.
I hope the offer stays till renewal time. Then I’ll actually take it, and get 125K bonus points for essentially paying the same renewal fee. 😀
I see that many of the Amex (and in particular, plat charge) offers expire around september. Is this a usual trend? Do these typically renew in the next year, or do they change year to year?
(looking at taj, air india, some of the wellness benefits, etc.)
Hi,
I just received my primary and supplementary platinum cards.
I want to find out that can I (primary card godler) and the supplementary card holders all get the Morriot Bonvoy Gold Membership?
I.e.:
-Primary Card holder
-Supplementary card holder 1
-Supplementary card holder 2
It says above the supplementary card holders will receive the hotel benifits too, So i suppose this should be the case?
Thanks for your help.
Aman
I got instant discount of Rs. 10,000/- from Tanishq yesterday upon purchase of gold jewellery. Tanishq informed that they were running this scheme from 06th September itself but the value of jewellery should be minimum Rs. 1,10,000/-. Two pieces of jewellery were purchased and separate billing was done and paid vide Amex Platinum Charge card and Amex Platinum Reserve Card and got discount of Rs. 10,000/- on each card i.e. totaling Rs. 20,000/- . Happily sharing with you. Thanks. 🙂
Hey guys,
I have an upgrade offer to Amex Platinum with 125K points.
So I called up the customer care to ask about the benefits that are extended to the supplementary card.
Apparently, it’s only the lounge access and priority pass(1 additional) that the supplementary cards get.
I was hoping that the Dining benefits, Taste from Platinum would be available on the supplementary cards as well.
Can someone who’s already using a supplementary card comment?
i am currently working in Brunei where AMEX does not operate . is it possible for me to apply for this card as an NRI ? anyone who is an NRI and holding this card ?? i am currently holding a HDFC infinia.
What happens at the renewal ?
No renewal mr points?
Your hotel statuses go away if you haven’t met the criteria?
No renewal MR points , statuses stay as long as you hold the card
I recently got the Amex Plat card after using the Reserve for a year. I got the 125k targeted offer and the 50% Marriott transfer seemed really good, plus I have upcoming travel to the USA and Asia. Thanks to this blog and comments for enlightening me on the card benefits.
Aside from the excellent marriott conversion offer, my experience has been nothing short of harrowing:
1. I emailed concierge on how to get to the Centurion lounge in SFO considering that my flight might be in a different terminal. Concierge told me that plat card holder doesnt have access to centurion lounge. What!? I was directed to travel desk, who transferred me to card customer care, who also told me plat doesnt have centurion access. Additionally, they couldn’t be bothered to research whether I can traverse between different SFO terminals to get to the lounge. Can anyone add to this?
2. I called the travel counsellors to book flights and cruise in Asia and requested Visa details, he sounded very annoyed/disinterested about my request and said he is on leave for next two days, and would respond after 3 days. I requested him to expedite if possible, since tickets fluctuate. I never heard back from him. I ended up having to book on my own 🙁
Travel planning is stressful and a lot of work. This is one area I hoped the famed “Senior Travel Counsellors” would be able to help. It was a major let down.
3. I asked travel desk to research for me hotel quotations for Marriot, hilton etc and the points required, so that I can plan my stay accordingly. Travel desk simply gave me link to Fine hotels and Resorts without doing any of the research. I had to email concierge, who only responded after 4 days, despite multiple follow ups, and did not deliver on my request. Is there no SLA to respond to member emails?
4. Many more unfortunate experiences: concierge, travel team and customer care keep passing the buck amongst themselves. What a waste of my time.
Can other readers share their stories here regarding the Amex customer service, travel and concierge respectively? At this point, I don’t see it as a lifestyle card, it seems to be more of a high end rewards card, with excellent Marriot rewards points with Marriott Gold and ofcourse other great tangible perks.
I don’t understand why American express is heavily compromising on service standard. Perhaps I expected too much from the “Do Anything” concierge and famed travel counselors and need to temper my expectations.
Anonymous,
That is true, Amex Platinum’s travel desk is just premium for namesake. Last night I gave them a call for price check between DEL and Munich just to test the waters. There is an ongoing offer on Etihad from some time now where you get upto 10% off on the fare for Amex card holders (not just Platinum). However the travel desk did not have any clue about that and they were just repeating general fares which you can beat with any OTA.
One time I requested if they can help me to book a cab between 2 cities in Europe and right of the bat they told me to check at the taxi stand of the airport for fares and booking!…….. … …. Enlightening isn’t it?
These are just few instances where Amex team has shown complete lack of knowledge for any offers which can reduce the fare or provide any other benefit. Somehow most of the the time I end up calling them around midnight, I am not sure if that could be one of the reason for such kind of service.
There is a big disconnect between the Amex offers/promotions and the knowledge of the same with Amex line, you have to go extra mile if you want any benefit with this service. Unfortunately Citi Prestige is on the same page with Amex but at least it has a better ROI for the fee you pay. Best option is google, the first few results will give you a complete pictures if there is any offer worth going for.
PT, thanks for the insights.
Calling at midnight shouldn’t be a problem. I recommend you try emailing them too, and escalate if responses are unsatisfactory, there is a paper trail as evidence.
Regarding Citi Prestige, my experience has actually been great.
I’ve been using their concierge very regularly and frequently for close to a year now. With citi you have to be very specific with your request and they will get it done. What I like is that they respond very promptly to emails, they do not drop the ball on any request.
They don’t seem to have airline or hotel offers(except 4th night free) so they aren’t great for booking flights or hotels. But they are excellent with unconventional requests, things I would expect a concierge to do. Researching hard to get items for me, research hotels or cruise based on specific requirements, things requiring multiple phone calls to research. Granted these services aren’t “discounts” or “offers” most people look for, but for me its my favourite perk of the card, saves me a lot of time and it’s great to know that there’s concierge that you can actually rely on to do most things, much unlike the Amex plat card.
Citi and Amex,
Mailing them I feel is actually too much of a hassle for simple things like flight booking where prices can change any minute.
With respect to the concierge service of Citi Prestige , I think citi do not have a separate desk for concierge and travel desk, they are all rolled into single line unlike Amex. It is absolutely a hit or miss with citi, I have had instances where they provided me a list of possible hotels where I can stay during a short vacation based on my inputs and there were also cases where they outright told me that they cannot help me in finding hotel and I have to look in Hotels.com and then inform them (Yes this happened with me during last week itself) for availing 4th night free offer. The person on the other end was very sure that they only help in booking and not shortlisting.
Citi concierge have also sent me incorrect quotations (which were very low from the market price, a clear red flag) and then blatantly refused to accept that they were wrong arguing that prices are dynamic and all the pries increased by 50% in a span 15 hours. This was when I absolutely lost faith in concierge service as you can not rely on them for the accuracy of information.
The above cases does not mean that Prestige is a bad card by any means, it is still one of the best cards in my arsenal in terms of services it provides, same goes for Amex albeit with Amex it becomes a zero sum game as I do not travel with business or first class.
my only disappointment is :
no invites / events in my email since 10 months of joining
rest I am enjoying everything
They have started advertising this on TV, first for Amex in India?
Whenever a super premium product is advertised in general media , its exclusivity is downgraded … there was a full page ad in TOI a few days back in mumbai also… amex is now trying to sell it to masses… lets see if they bring Optio to India
At Delhi airport, they are telling everyone, who presently holds amex card, to apply for platinum charge card.
I don’t think these promos would do any good, as those who can get this card will anyway know about it.
But anyway it will serve as a good overall branding though.
I don’t think market for 70K card can be increased here much by advertising
Today I received an email for upgradation.
Now i am ready for the 70k fee but unsure of the value. As i already have Diners black and most Pvt bank cards..
Does anybody have experience with the Visa assistance services?
OK. my experience:
I asked them for help with getting visas for my family; they sent me a checklist, forms. I filled them up. I then called them again and they said they’ll send someone for document pickup. I anticipated a travel agency rep would come, check the docs and take them; instead last minute a courier company agent came to pick up docs. So i had to hurriedly package them in an envelope. Then next day, I got an email saying I need to send the docs again — the checklist had said I should cross-sign on the photo on the application form, but they said I should send it again without the cross sign. I asked why is the instruction different from the checklist, and they said the checklist was for Delhi-based processing, whereas my processing happened in Mumbai. Anyway, resent the docs by the same courier pickup mechanism,. The visas then arrived within 2 days.
So, overall good experience, but I would have appreciated more communication from them as to what the process entails, and a more targeted checklist of documents.
If i opt for amex platinum charge , can i give addon cards to my father in law and brother in law ?
Yes, you can give it to anyone.
I got an offer of 20k in Taj vouchers on renewal of PlatCharge, although.. my renewal is due faaaaar away.
The offer showed up in the mobile app.
Amex sent out invitations for 2 front-row seats to one of their plays, for 5000MR each seat; those seats were otherwise selling for ₹9440 on bookmyshow. Thought it was a great redemption rate.
Here is one more example that shows how complacent the travel desk/concierge team has become that they are not able to cater even to the most basic requests.
I was in Europe last week and somehow ended up on a connecting flight with 8 hours layover in Porto (Portugal). Airport lounge wasn’t descent enough to spend 6 hours so I emailed Amex travel desk one day before to find me a accommodation in a day hotel or in a hotel close to airport with a early check-in request (Since I already had idea that there are few nice hotels just outside airport, I was assured that this booking will be done in a jiffy). Amex executive responded with a single Marriot property 13 Kms away from airport.
Not happy with the results I again asked them to look close to the airport on which they told me that do not have nearby hotels in their reservation system, I even went ahead to request them to call the hotels and check if bookings can be made. Received a straight denial, not even an assurance that they will try to help.
Hugely disappointed I called up “Do anything” concierge and this time I gave them the hotel name too where I wanted to book a room, this time the guy was descent enough and instead of straight no he said that accommodation was not available the next day and reiterated the Marriott property availability, but showed hesitance to call the hotel once which was close to the airport.
Finally I decided to do the booking myself and went to the hotel website and was able to book it promptly, however I found that in a hurry I booked the hotel for the same day instead of the next day, so just sent out a mail and the booking was modified in a matter of minutes.
Amex has completely failed me this time (not the first time), I am not sure if they were this useless from the beginning or this is a new stride.
My annual salary is 5 lakh, will be increased to 6 lakh from March.I am a heavy user of Citi premier miles credit card for past 3 years and have never defaulted on a single payment.
My credit score is above 800.
Will I be eligible for Amex platinum as it states the income eligibility is 15L p.a.
And is it worth getting with my income level ?
If approved,can I netogiate on the annual fees prior to joining.
If not platinum what would be the best card for me in Amex ?
Why would you want to spend 12 of your annual salary as Credit Card Fee.
Platinum card absolutely makes no sense at this price point unless you travel a lot and use most of the hotel membership benefits regularly.
If you do want an Amex, I suggest going for Amex MRCC.
Vignesh,
I will be shocked if you are talking about going for a platinum charge card. With your financial position you will be spending close to 2 months of salary just on the credit card fee. Even if you are in a job where you have been travelling 100% of the time, staying in hotels and it is all payed by your organisation I would not recommend this card to you with your income level.
But if you are talking about Platinum travel card then you can give it a try, it’s a decent card to hold provided that you hit milestone spends.
To sid and Amex guy,
Have you used the upgrade to first class on the Amex plat via Etihad? If yes, how does it work? And how many times can you get upgraded?
It’s for the primary user only? Or can the supplementary user get this Benefit as well?
I saw on the website it says valid till 31 dec’20
Amex the minimum eligibility is 6 Laks , you can start with Amex membership rewards credit card .
Hi Vignesh,
You have not mentioned your expenses categories or how much would you spend on card. Do you travel and would be able to use Platinum benefits ? This the question only you can answer.
For staring into Amex, you can apply for Rewards or Platinum travel card.
For the accelerated Star alliance gold status for the card , is BOM – SIN – DPR , DPR – SIN – BOM counted as 4 flights or 2 flights on Singapore airlines ?
4 since they will be different flight nos
I’m doing the same route for Gold Match. Have written to KF but haven’t received a response yet
4 flights
Taj Epicure membership enrollment ends on 31st January,2020
It seems they have extended the Taj Epicure membership till 31’st Mar.
@Siddharth, I have applied the Amex platinum card through your referral and received it today. Thanks for all the information/support you provide on cards benefits.
Hi Sid, Amexguy
I just got an 125k points upgrade offer. How can I maximize this card from 2nd year onwards?
Thanks
Hi sid and Amex guy.
I’m a self employed professional with a small business. I travel around 4-6times an year internationally and once a month domestically.
I usually stay in Marriott or Hyatt properties. Was contemplating to apply for plat charge. So needed your opinion on two things
1) would I be able to use plat card to max with above situation
2) is there any advantage of taking corporate plat charge instead of personal. Does it help if I have a SME business
Thanks in advance
Due to current situation.. no way to use Taj vouchers or MR points for Marriot conversion !!
What are the odds to get atleast 50% fee waiver on this card ?
And their so called Concierge is of no usage even during Valentine’s day..they were unable to deliver a bunch of flowers citing high demand ! but those are the times they were needed more .. isn’t it ?
Hi,
I have heard of people getting 80k points on renewal. You can negotiate for an offer.
Any update what are they offering now for renewal?
Does the Amex Platinum IAP give discount on Intl economy flights too ?. If it does what would be the range of discount in % terms ?
Thanks
Today i got amex platinum card . Lets hope for use benefits of rs 70800 fees yrly 😂
I want to know about platinum charge card as I want this card if I spend 20 lakhs in a year on electricity bill thru this card is it beneficial for me to take this card as for other expenses I use diners black card which very good in reward rate as u know will I get extra benefit from amex platinum charge card
Thanks for the blog and all commenting here. It’s been a great insight. I am self-employed and earn almost four times more than what platinum charge card needs for the self-employed. I held AMEX cashmagnet in the US and have been using MRCC in India since last year. My spend on MRCC is about 2 lacs annually, and AMEX sent me upgrade offer to platinum for 115K points recently, though catch is I have to spend 50K in two months to get those points. Joining fee is same as normal – 60K+GST. I occassionaly travel, and I know my situation is probably same as 60% or more folks who got such an upgrade offer. I am not going for it, as I occassionaly travel and benefits don’t make much sense. On the other hand, I have saved about 10K across offers on MRCC within a year, and fee also got waived off automatically due to card rule than if you sepnd 1.5 lac or more then it comes free for renewal.
People going for upgrade just for elite tier, I feel shouldn’t do it unless you really can get most out of it. Everyone’s credit needs and spending patterns are different. If you really want a metal card, then OneCard is a good option now. I hold about five cards so far, including Regalia from HDFC, ICICI amazon card, and OneCard. I like Amex MRCC the most in India for regular online/offline purchasing needs. Ah, and Amex service is really good. give them a call and they solve it one way or other.
Moment Amex adds purchase protection, warranty extension, and similar benefits (outside hotel and travel), I will go for Platinum card.
Nice!! Thank You
Hi Sid & Amex guy, I received the upgrade offer from Amex for the Platinum Charge Card today. I currently have the Platinum Travel Card. My annual salary is INR 8L. I’m very confused whether I should accept the offer or simply ignore. The offers are very tempting but at the same time I’m hesitant about the annual fee of INR 60k (which can be paid monthly as well – INR 5k). Please let me know your thoughts.
I have applied for AMEX Platinum Charge Card today in ₹ 5,000 per month offer. I do not know if I will be able to get the full benefits out of it so as to justify the high fee. But one thing I know, I will get the joy of owning the platinum and that itself compensated for the high fees. Some things are priceless and the pride of owning the platinum far far outweighs the annual fee. From now on, I will assume that my earning is less by ₹ 70,800.
I think the 125k offer is back. Has anyone received this offer?.
Only change is:
“Spend ₹50,000 and get 1,25,000 Membership Rewards® points# within
the first two months of your Platinum Cardmembership.”
But no offer on renewal this time.
I have received this offer. Still confused whether to go for it or not
Me too. But expiring on 30th Nov. No sure to let it go or to take it. Travel looks difficult in most of 2021 as well. Any other benifit looks unlikely for me.
Don’t think they give renewal offers beforehand.
I know folks who have negotiated aggressively with Amex for their plat renewals. But its all when the renewal fee hits the account.
Hi Siddharth,
Just wanted to drop a note to let you know, that your indepth research really helped me to choose this card, thank you very much for putting this on the internet.
Regards,
Venkatesh
You’re most welcome, Venkatesh.
Check back after a month to have even more details on this card, especially on the concierge service 🙂
Subscribed & look forward to the same.
Its been long since you committed concierge review… somehow you keep pushing it any NDA ? 😀
You’ll find the reason along with it 😉
I checked Amex Reserve Card & Amex Platinum Card
These cards there any renewal MR points offer… MR points only offered at the time of sign-up.
Understanding is correct?
===========================
From this blog…
Many card members that renewed during Covid-19 got very good retention offers which makes sense to hold on to the card.
============================
Does Amex offer renewal benefits or Renewal Retention offer people received?
Thank You
What’s the typical benefit in using IAP? I currently hold the Plat Travel card, and called up the IAP helpline to enquire on flight prices (to see if the upgrade to Plat Metal Card is worth it). But unfortunately they don’t even tell you the prices if you’re not a Platinum Card holder!
So as an example, a Del-Syd business class flight in September shows 40-50k for economy and 1.6 lakhs for business class on MMT. Mum-Tokyo is 30k for economy and 1.3 lakhs for business.
Can a current Platinum holder tell me what’s the price for these flights on the IAP portal?
Thanks in advance!
Too many hotel tieups and not sure if people will use it really. This card has high renewal fee with nothing guaranteed. Rewards points have less value if I compare with Infinia or Indusind Indulge.
Lounge access is there with so many cards at a very low fees. Infinia is anytime better.
A golden question for myself to ask you guys
Should I retain my Amex plat charge for 1 more year
Got onboard the amex plat in Jan 2020, got 1.25L points after making the 90k spend within 3 months , booked a trip to Singapore via amex concierge (discounted business class) and bam , Lockdown
Amex helped me get back the refund within 2 months of SQ announcement of them willing to refund tickets(score amex concierge) , since then used all cashback schemes which came along for grocery purchases , blew up 1.25L points on double value cashback scheme (bad decision in hindsight, but when i redeemed on the last day in july , seemed valuable as i had decided to shut down the plat) , come november , used the Taj innercircle Gold for fabulous discount at Taj bekal and also got upgraded to their highest suite pool villa (valued 43k+ in my calculation) , since then just used 3 times for dining cashbacks/discounts in mumbai under 2 schemes
Spend on card in last year has been just short of 8 lakhs in a year since most expenses were put on HDFC infinia , axis ace, Stan C ultimate
Now with Shangrila Jade status going away on 31.3.2021 which in turn will mean losing the Taj Gold status post april
My business also doesn’t warrant travel , so basically its just down to 1-2 vacations a year
Please suggest whether I should consider continuing withe card or shut it down
I renewed it myself for a second year despite the pandemic. I calculated that I got back almost 3 lakhs in value in first year so the 2nd year fee is also as good as waived. Travel is going to open up later in 2021 so this card will come in handy for sure. Plus the constant 100% cashbacks
Last year they gave half of fees as cashback , this year also half of fees is offered as cashback , so i am not expecting more cashback offers as such
I have a Reserve and now it feels less of a asset and they denied me Gold Charge card as a companion card and pushed MMRC instead. Still at 2.5lac limit and resubmitting ITR for LE of more than 5k LE has hit me bad. Additionally the Mumbai Amex lounge was closed so could not use it there too. I hope that AMEX does some reshuffling for the Reserve card since in its current state its not great at all.
@Siddharth kindly do a Reserve card review when possible since you now have one and that one review from earlier needs an update.
Can people share renewal benefits Amex offered for the metal card in the last few months?
Hi sid
If you are already a gold bonvoy do you get upgraded to platinum bonvoy with the amex platinum card?
No.
Does the limit in my Reserve card matter to get an upgrade email “1.25lac points” for the platinum?
CC says the upgrade email for the platinum does not depend on lower cards limit which for me is 2.55lac on Reserve card and 2.90lac on MRCC “Companion”.
Also can anyone clear up the limits of MRCC “Companion” & Reserve conjoining in case of one of the companion card being cancelled.
Avoid AMEX card very poor distribution and merchant affiliation. Even customer care knows this and suggests payment to other wallet to each purchase limit utilisation.
Is the 25 lac minimum income requirement for the Platinum Charge card based on Net Income or Gross Income? Also, can we pay the fee in 12 monthly installments?
Hi Sid and AmexGuy
I am already having Amex Platinum Travel card and having offer for upgrade to Amex Platinum for sometime now. Have been waiting around for few months now, but now I have a reason, its unusual reason though.
The thing is I am planning to move to Germany for 1.5 Years, and I will travel to India at least 2-3 times in this period and my shopping will be done from India mostly. Does it make sense to have this card and use it for travel bookings and shopping etc there. I see usually there is 3X foreign spends offer, does that offset at least the forex transaction+Conversion fee at least. And please suggest if there are some other benefits along the way as well. At the end of the day, will I be recovering part of my 60K annual fee.
The thing is I do not see any good cards over there, and credit card scene in Europe in general is pretty weak IMHO. They cards there hardly have any rewards, and no offers etc.
PS: I know Amex people will not issue me card if I disclose that I will be OOO for 1.5 years may be, but I want to keep this card for its benefits.
@Sumeet – Try to take Amex Payback Credit Card once you get to Germany. It has pretty sweet cashback offers on and off along with a sign-up bonus.
@sumeet check the Citi prestige for international spends
Thanks Mohnish, yes it makes sense in someway.
Prestige will be beneficial to him only if he wants to play the miles game & also open the high NRV account with CiTi
My upgrade offer is:
a) 1,15,000 Membership Rewards® Points
OR
b) Rs.50,000 + Rs. 5000 worth of vouchers from Taj, SeleQtions & Vivanta Hotels as Welcome gift for 1st year and
Rs. 25,000 worth of Taj Voucher on 1st
renewal.
Received renewed epicure card from amex , thing to note is gols status validity is mentioned as 31/03/2021 , while epicure plus validity is mentioned as 31/01/2022