American Express Platinum Charge Card Review (India)

By | May 24, 2019

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 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,

Annual Fees

  • Joining/Annual Fee: Rs.60,000+GST
  • Welcome bonus: 100k MR points or Rs.40,000 Taj vouchers
  • Eligibility: 15L for Self Employed / 25L for Salaried

I would prefer 100K points over 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!

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. 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

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.

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

As American Express was once actually a travel company, expect great travel offers as below,

  • Visa Services
  • Dining Benefits
  • Discounts on Business Class Revenue rates
  • Complimentary Business Class/First Class Upgrades on Etihad
  • Complimentary Taj Vouchers on Intl travel booking

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.

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. The 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. For ex, now you can get Rs.2000 Amazon Voucher per Supp. Card on the Platinum Card.

I’ve got this card as a supplementary card recently and that’s what you’re seeing in the image. Will write a separate hands on experience shortly.

Is it Worth 60k+GST?

Quick Answer: It totally depends on how you use the card!

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. This too may change anytime.

That aside, there is no other reason that could stop you from getting one, as long as you can pay the high joining fee. 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!


  • Cardexpert Rating: 4/5

Overall, it’s an amazing card for someone who loves premium travel. The welcome bonus of 100K MR Points is great for the first year without a doubt.

But does it hold good for the 2nd year? That totally depends on how much value you’re able to get out of the card. While you don’t get any MR Points for the second year, your hotel status’es remain intact as long as you hold the card. That itself is worth the fee, if you stay at those hotels that often.

That aside, I feel American Express could make this card more accessible for a wider audience by adding more benefits like better reward points, milestone benefits, etc.

What’s your take on the American Express Platinum Charge card? Feel free to share your thoughts in the comments below.

Author: Siddharth

A Credit Card addict, minting reward points & air miles for years. Obsessed with aviation, airport lounges and luxury hotels. Helping Indians choose a right credit card and enjoy luxury travel at affordable cost.

125 thoughts on “American Express Platinum Charge Card Review (India)

  1. Poornith Ninan

    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.

    1. Siddharth Post author

      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.

      1. Pikorab Basu

        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??

  2. SH

    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)

    1. Siddharth Post author

      Thanks for additional inputs. Looks like you’re visiting ITC often. 🙂

  3. Gaurav Malik

    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

  4. Praveen Perumalla

    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.

    1. Siddharth Post author

      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 🙂

      1. Neo

        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.


    2. Amex Guy

      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.

  5. Amex Guy

    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.

    1. Siddharth Post author

      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!

      1. SH

        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..:-)

        1. Siddharth Post author

          I need to print this in bigger text to read all of it. 😛

      2. Amex Guy

        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.

        1. Siddharth Post author

          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.

        2. TG

          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?

        3. name

          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.


        4. Raj

          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.

  6. Sahil

    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.

    1. Praveen Perumalla

      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.

  7. Yash Narayan Dabriwal

    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

    1. SH


      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.


  8. Ccgeek

    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.

  9. Praveen Perumalla

    ‘ targeted upgrade offers for the platinum card’ – the link is of Platinum Travel Card and not the Charge card. You’ll have to update.

  10. Praveen Perumalla

    “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?

    1. Siddharth Post author

      Yes. But this may change anytime as a lot of cardmembers don’t like it.

  11. Priyansh Modi

    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..

  12. Sadiq Dastagir

    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.

    1. Name

      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?

    2. Amex Guy

      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.

      1. Name

        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.

        1. Siddharth Post author

          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 🙂

          1. Name

            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. 🙁

      2. Sadiq

        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.

  13. Srikkanth

    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..

  14. Shiv Kumar Singh

    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…..

    1. Amex Guy

      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.

      1. SH

        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..:-)


        1. Amex Guy

          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. 😛

          1. kiran

            Seems amex is withdrawing boingo benefit for plat cards.

          2. Name

            That’s enough to do some serious OSINT on you. :p

            PS: light humor and in good faith.

          3. Amex Guy

            @kiran: Indian issued personal Plat never had it. Boingo was always on Corp Gold and Corp Plat.

  15. Surya

    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?

    1. Siddharth Post author

      It’s strict for fresh applications. But you could pass through if you get an upgrade offer.

      1. Surya

        Thanks. I did apply as an upgrade to my existing plat travel card and they approved the card without any documentation.

        1. rupin

          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 ?

          1. MT

            Just call them on customer care and request , they will be more than happy to give you

  16. Ashish

    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.

  17. name

    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?

  18. SH

    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.

  19. MAA-traveler

    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. 🙂

    1. AS

      You cant hold Plat Travel with Plat charge and MRCC unless one is a companion card.

  20. SH

    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?

    1. Siddharth Post author

      Did you get it with companion card offer? Or, you get got Plat and later added Plat Travel as companion?

      1. Amex Guy

        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.

        1. Siddharth Post author

          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.

          1. SH

            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.

          2. Satish Kumar Agarwal

            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.

    2. Neo

      Whats the benefit of the Plat travel as a companion card ..only Taj vouchers i guess ?

      1. SH

        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).

  21. Aseem Garg

    They have the concept of companion card. No offer needed. Platinum travel fee reversed on pro rata basis.

  22. Gaurav Malik

    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”

  23. Mayank Grewal

    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.

  24. Sriram Sridhar

    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

    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.

    1. SH

      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.

      1. Neo

        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


        1. SH

          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.

    2. Amex Guy

      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.

      1. Mayank Grewal

        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.

        1. Amex Guy

          > 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 🙂

          1. Mayank Grewal

            >> 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.

          2. Amex Guy

            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.

  25. Puneet

    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 !!!!

    1. Mouli

      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?

  26. Mohan

    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.

    1. Name

      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.

  27. MT

    @amex guy , BOGO on any airline any sector any biz/F fare ?


    amex guy, :
    is BOGO available even if you book for others like your parents

  29. Achanta

    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.

  30. SH

    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.

    1. Siddharth Post author

      A big thanks to you for sharing this information.

      I wish they had higher limit, say Rs.3K & trained employees.

    2. Sandeep

      That is news to me…

      Is it only for the Platinum Charge or is it applicable for the Platinum Reserve as well?

    3. Neo

      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 🙂


    4. Praveen Perumalla

      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.

  31. GGM

    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

    1. MT

      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 ?

      1. GGM

        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

  32. NMS

    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.

      1. GGM

        I negotiated it, having said that I’m a heavy user of Amex travel Platinum for almost last 10 years

    1. GGM

      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.


  33. SH


    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.

  34. :P’tap


    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?

    1. Nikhil

      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.

      1. :P’tap

        Nikhil, I use the CV Infinite only for Gold Status benefits. Since 9W grounding, I’ve been left low and meagre ;/

        1. Nikhil

          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

    2. Kiran


      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.


  35. NMS

    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.

  36. Neo

    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.


  37. Alok

    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?

    1. MT

      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

  38. Alok

    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.

    1. Alok

      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.

  39. nikhil

    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.

    1. MT

      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

    2. Amex Guy

      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. 😀

  40. Alok

    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.)

  41. Aman


    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?


    -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.


  42. Raj Vardhan

    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. 🙂


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