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American Express Platinum Charge Card India – My 2 Year Experience & Review

 When it comes to premium credit cards in India, few can match the American Express Platinum Charge Card. I have been using the Amex Platinum Charge Card India for the past 2 years, and overall, I am quite satisfied with its benefits, rewards, and lifestyle privileges.

While this card carries one of the highest joining and renewal fees in India (which was revised last year), it is also one of the most rewarding lifestyle cards for frequent travelers, luxury hotel enthusiasts, golfers, and those who want access to premium experiences.

In this blog, I’ll share my first-hand experience, the exclusive features of the card, and why it still remains one of the best premium cards in India.

💳 Apply for the American Express Platinum Charge Card or Platinum Reserve Card

If you found my review helpful and are planning to get the Amex Platinum Charge Card India or PlatinumReserve Credit Card, you can apply through my referral link below. As a bonus, you get additional welcome benefits from Amex while I earn referral points.

👉 Apply Now with My Referral Link

Key Benefits of American Express Platinum Charge Card

1. Hotel Loyalty Program Benefits

If you are someone who loves luxury stays, the Amex Platinum Charge Card is truly a gem.

Marriott Bonvoy Gold Elite Status –

Complimentary upgrade to Gold tier with benefits like room upgrades, late checkout, and bonus points on stays.

Hilton Honors Gold Status – 

Another fantastic perk with benefits like free breakfast at most Hilton properties and room upgrades.

Accor Hotels – 

The card credits 20 nights + Explorer Plus membership, giving you a fast track towards Accor Gold status.

💡 If you are loyal to Marriott, Hilton, or Accor, the Amex Platinum Charge Card pays back quickly in terms of upgrades, perks, and savings.

2. Amex Membership Rewards Points

  • Earn 1 Membership Reward (MR) point for every ₹40 spent.
  • Convert Amex MR points to Marriott Bonvoy at 1:1 ratio for luxury hotel redemptions.
  • Convert to Hilton Honors at 100:90 ratio.
  • 10X MR points on Air India bookings with the Rewards Accelerator program.

Earlier, Amex also offered a ₹10,000 Taj gift voucher on cardmember birthdays, but that benefit has been discontinued. I was lucky to enjoy it both times before it ended.

3. Airport Lounge Access

  • Digital Priority Pass offering unlimited international lounge access outside India.
  • Access to Amex Centurion Lounges in Delhi and Mumbai airports.
  • Complimentary access to domestic airport lounges in India via the card itself.

4. Fuel Rewards

Unlike most premium cards that exclude fuel spends, the Amex Platinum Charge Card gives reward points on fuel transactions as well.

5. Amex Experiences & Lifestyle Privileges

  • Exclusive Amex Experiences events in metro cities.
  • Fine Hotels & Resorts (FHR) benefits like daily breakfast, late checkout, property credits, and upgrades.
  • Amex Global Concierge for travel, reservations, and lifestyle planning.

6. Golf Benefits (Perfect for Golf Enthusiasts)

This is a benefit that often goes unnoticed but is a big plus for golfers:

  • 2 complimentary golf lessons every month across India at select courses.
  • Complimentary golf rounds at premium golf courses worldwide, making it ideal for frequent travelers who love the sport.

For someone like me who enjoys playing golf, this perk adds immense lifestyle value to the card beyond just travel benefits.

Fees & Charges

Joining Fee / Annual Fee: Over ₹66,000 + taxes (after the latest revision).

High annual fee, but benefits can easily outweigh the cost if maximized.

Pros & Cons of Amex Platinum Charge Card

✅ Pros

Complimentary hotel elite statuses (Marriott, Hilton, Accor).

Unlimited international lounge access with Priority Pass.

Golf privileges (lessons & global rounds).

Reward points transferable to travel partners.

10X points on Air India bookings.

Reward points on fuel spends.

Access to Amex-exclusive experiences & concierge.

❌ Cons

Very high annual fee.

Limited acceptance in smaller towns.

Some popular benefits discontinued (like Taj birthday vouchers).

Who Should Get the Amex Platinum Charge Card in India?

This card is best suited for:

  • Frequent international travelers,
  • Luxury hotel enthusiasts (Marriott, Hilton, Accor stays),
  • Golfers who want premium course access and lessons,
  • Anyone seeking exclusive lifestyle and luxury experiences.

My Final Verdict

After using the Amex Platinum Charge Card India for 2 years, I can confidently say it is one of the most rewarding premium lifestyle cards in India. While the annual fee is steep, the hotel perks, lounge access, golf privileges, and exclusive experiences make it worth it for those who travel frequently and enjoy premium living.

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