American Express Platinum Reserve Credit Card Review by Manish

By | September 26, 2016

My first credit card from the Amex stable was the Platinum Travel card. When I was contemplating applying for my second card from American Express two years ago, the obvious choice was the Jet Airways American Express Credit Card. The other alternative, the Gold Charge Card was ruled out as I am basically not a fan of charge cards, as I believe there is nothing like a no limit card. A charge card is basically a card with a dynamic limit based on past usage and payment patterns, where the issuer has already set a limit to what you could charge, but only the card holder is not aware of the same.


American Express Platinum Reserve Credit Card

The Amex Jet card was looking attractive with an earn rate of 6 JP miles for every Rs. 100 spent. As I was about to apply, came the news of devaluation in October 2014 not only in terms of mileage earnings but also of stripping of reward points on spends on fuel, insurance and utility spends. Since a significant proportion of my expenditure came in these categories, and since I also held a premium Jet (Amex version) card from ICICI (with a much lower annual fee, better renewal benefits & similar reward structure) where I could keep earning JP miles on these categories too, I decided against applying for the Jet AmEx card.

It was then that the AmEx representative suggested to me the Platinum Reserve Card. On initial study, the reward points on this card did not look any different from the Platinum Travel card (without the milestone benefits and with higher annual fees). However, after delving deeply about the other benefits and considering the various perks involved, I decided to apply for this card and use it for a year at least.

However, I am satisfied with the card, reasons include the unrivaled AmEx customer service and periodic offers thrown in like,

which somehow compensates the poor reward structure on the card. It is the topmost credit card in the AmEx hierarchy.

Features of American Express Platinum Reserve Credit Card

Joining Benefits:

A welcome rewards of 11,000 membership points which partially compensates the first year fee.

Joining Fee: Rs. 5,000 + ST

Lounge access:

The American Express Platinum Reserve card offers 12 complimentary visits annually to the American Express Lounges at Delhi & Mumbai Airport. The only other cards which allow access to these privileged lounges is the Platinum charge card & the Jet AmEx Card. (At that time when I had applied, there was no complimentary access on the platinum travel card, which has been recently introduced, and that still does not include access to the Amex Lounges)

Golf benefits:

If you are a golf connoisseur, this card is for you. You not only get complimentary access (green fee waiver) to leading golf courses, but also golf lessons at select courses. Details on the AmEx website.

Taj Inner circle & Epicure Plus membership:

This card gives you complimentary Gold Tier membership to Taj Inner Circle & Epicure Plus, where you get 25% off on all your dining expenses at the Taj group along with discount and upgrade vouchers. The only other cards which provide this complimentary membership are the HDFC Infinia & Regalia, Citi Prestige, AmEx Platinum Charge Card, ICICI Diamant, Kotak Signature Royale (1st year only on the paid version), the Yes First Exclusive and the newly launched Axis Reserve Card.

  • The cost of this membership on a standalone basis is Rs. 9,750 + ST.

Other Elite Memberships:

Complimentary gold tier membership of the Trident Privilege & Preferred group of hotels and complimentary additional night stays at the Oberoi group of Hotels.

Other Benefits on Amex Platinum Reserve Credit Card:

  • Special offers like Taj Vouchers, spend based, from time to time (not advertised though)
  • Special healthcare & discounts from Max healthcare, Fortis Healthcare & Texas group
  • Platinum concierge from AmEx
  • Priority Pass
  • Air accident insurance of Rs. 1 crore
  • Apart from 4 supplementary add on cards, 1 additional account card for segregating business expenses.

However, to summarize the annual fee of Rs. 10,000/- may seem on the higher side, though that is also dependent on your spend and payment patterns. This is basically a lifestyle card and not a rewards card.

Pros: Elite lodging & dining memberships, Golf & wellness benefits, AmEx Lounge access, special offers, higher limits.
Cons: High annual fees, poor reward structure & absence of bonus reward points on milestone spends.

CardExpert Rating: 4/5

Author: Siddharth

A Credit Card freak minting reward points and cashback for years, started adding Airmiles in recent times. Obsessed with aviation, airport lounges and luxury travel at affordable cost.

35 thoughts on “American Express Platinum Reserve Credit Card Review by Manish

  1. Amex Guy

    This card is worth it for Amex lounge and Golf green fee waiver alone. If you even hit the sticks twice a year you cover the cost. Plus, Amex lounges are infinitely better experience than Plaza lounges, which have become no better than a McD environment since every card seems to be offering complimentary access to them these days.

    For the uninitiated, Amex platinum “Do Anything” concierge is unbelievable. If you’ve used Visa Infinite concierge, multiply the efficiency by 100. They found my gf’s phone which she did not even know where she forgot (on flight or in Uber). They did the tracking top to bottom, delivered the phone to our home.

    1. Siddharth Post author

      That’s unbelievably interesting about Do Anything Concierge thing!

    2. Prateek

      It’s not available on Platinum Reserve Card. Its for Platinum Card only.

  2. puneet venkata

    I wanted to apply for this card and I have been told by Amex Customer Care that I can only hold 1 amex credit card and other credit card has to be co-branded like Jet or MMT. Can anyone confirm if they have both Platinum Reserve as well as Platinum Travel cards.

  3. Deep Singh Bawa

    Can you confirm is the card still offers 1 night stay complimentary part of the deal? as i didnt see under the benefits.

    1. rohit tandon

      Hi Mr. Bawa,

      yes the platinum reserve is still offering 1 night stay complimentary on booking of 2 nights stay at Oberoi

      Rohit Tandon

  4. Himanshu

    Does this card offer any spending based bonus points or offers?

  5. Prashant Gupta

    after a lot of thinking i have applied for this card just for the Taj epicure membership which is 13500+taxes as my membership has expired. although i did a mistake i think of applying through agent where i could have earned refereal credits. The first year fees can be recovered as per the agent through 11000 welcome points and 5000 each for 2 supplementary card which he said is applicable only if i apply from him. so i took the risk. I am planning to close my Platinum travel card in this renewal and transfer its limit to this card.

    1. Siddharth Post author

      Ah Man, you should have applied it during March to take advantage of bonus points on add-on cards.

      1. Prashant Gupta

        But the RM has told that i will get 5k om suppl now also.

      2. Prashant Gupta

        Also is the card worth. This is the only card i am thinking a lot as reward structure is bad. Sorry for multiple posts.

        1. Siddharth Post author

          Add-on offer + SPG transfers makes the card work, for now.

  6. Mouli


    Is it worth every year to pay around 15k for Taj Membership ?
    When I went through the card features , there is nothing mentioned regarding Taj Epicure Membership
    I am seeing only the below content
    Enjoy complimentary Silver Tier membership to Taj InnerCircle and get
    Late Check Out*.
    10% discount on room redemption rate.

    1. Prashant Gupta

      Click on the details and the links will take you to platinum reserve website which mentions every features in details. There it is mentioned taj epicure membership under dining tab.

  7. Prashant Gupta

    Mouli i think the card fees is repaid in terms of 1.if you go just to the bars in taj during happy hours and use 1+1 offer which i have conformed, so in 1 visit u can save around 1k for 1 round of drinks. So in 10 visits u save 10k + 25%back as points. 2. Those who play golf then the payback period can be as short as 2-4 weeks as in metros the green fee is around 2k.

    For second year i may or may not review depending on the offer at that time. There is no other card except yes exclusive that gives the membership.

  8. Jay

    @Prashant Gupta,

    Very good choice, go ahead with the Platinum Reserve Card. I was initially taken back after I got the card that was it worth 10k every year but now i feel it was a very good decision. AMEX keeps running special discounts sales, offers only on Platinum Charge, Centurion and Reserve Cards every now and then. Currently they are running a 25% flat discount on Taj Hotel Bookings over the lowest market available rates.

    AMEX considers Reserve Card with the same tier as Platinum Charge & Centurion Cards. I feel this is one of their Premium Cards.


    They also offer you two room upgrade vouchers and discounts on F&B on their Silver Membership.

    1. Prashant Gupta

      Thanks Jay for sharing your inputs. Also i think 1 night free stay voucher which is part of the epicure membership will not be given with this card as this is not a directly paid membership.

    2. Kiran

      Hi Jay,

      Can you confirm if the offer is still valid ??

      25% discount.


    3. Gkcards

      I checked the Taj 25% rate. Its room only rate. Most other websites have rates with free breakfast. I think the most honest hotel rates credit card offers are prestige one night free and smart buy (33% with black)

  9. Jay

    Nope, they don’t offer a free night voucher with Amex Based silver membership

  10. Kiran


    What’s the maximum limit available on the Reserve card??

    Any have this info?


    1. Nikhil Das

      Max limit that can be approved by Amex is only Rs. 8 lakhs but, the Reserve card has another secret benefit where depending on your usage and payment patterns, the system will allow you to use over the limit. My card has a limit of Rs. 2.4 lakhs but I can use it for approx Rs. 5.5 – 6 lakhs.

  11. Prashant Gupta

    Received this today, some nice add on and changes:

    Important information about your American Express® Platinum ReserveSM Credit Card.

    Dear Cardmember,
    We are pleased to let you know that we have added new benefits to your American Express Platinum Reserve Credit Cardmembership to complement your discerning tastes and make your journey more enjoyable.
    Enjoy movie vouchers or online shopping vouchers worth Rs.6,000 per year*
    Beginning 1st September, 2018, enroll and get monthly vouchers worth Rs.500 per month from either BookMyShow or Flipkart when you spend Rs.25,000 or more in a calendar month. You can choose either partner (BookMyShow or Flipkart) at the time of enrollment* to enjoy this privilege.
    To enroll for vouchers from BookMyShow#, please click here
    To enroll for vouchers from Flipkart#, please click here
    Experience dining with EazyDiner Prime
    Enjoy complimentary membership to one of the most premium dining programmes in the country. Enjoy up to 50% off at over 450 premium restaurants along with a 24-hour VIP line and more. You can also enjoy a complimentary drink with every booking at over 100+ restaurants and more. To enroll for EazyDiner Prime membership, please click here
    Receive hotel credit worth up to Rs.5,0001 (USD 75) with The Hotel Collection
    The Hotel Collection includes curated properties from premium hotel chains such as Hyatt and Hilton Hotels, available through the American Express® International Travel website. Get hotel credit worth up to Rs.5,0001 (USD 75) to spend on qualifying dining, spa and resort activities, and a room upgrade (if available), when you book a stay of 2 or more nights at over 500 hotels through American Express International Travel website.
    We also wanted to let you know about a revision to the lounge access programme available on your Card. Beginning 23rd September, 2018, you will enjoy 12 complimentary lounge visits to 33 domestic airport lounges in India, limited to 3 times per quarter**. To view the list of lounges you can access, please click here
    You will continue to enjoy complimentary Priority Pass membership worth $99 every year.
    We hope you enjoy the value and convenience these changes bring along with them.

    1. Siddharth Post author

      Cool. Certainly helps to increase the reward rate. Thanks for sharing!

      Will write a separate article on it shortly.



    I wanted to know what is the INR value of 1 reward point earned on the AMEX platinum CHARGE card?
    incase 1 goes for redemption / cash back.

  13. Gkcards

    Hi Siddharth,

    Can you review Amex platinum card in India? I wonder why fees is 50k in India whereas it’s 400$ or so abroad?

  14. Nayana

    When you Visit International lounge through priority pass, how much are you charged on the card?
    Is Amex lounges available in all airports? Is it only international ?

    1. Prashant Gupta

      Lounge access charges are i think USD27 or 31. There are only 2 amamezez lounges in india which can be accessed.


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