Platinum Card Review 2026 — Fees, Rewards & Eligibility
Issuer: American Express (Amex)
Network: Visa | Tier: Premium
The Platinum Card by American Express is the ultimate luxury travel and lifestyle companion. Crafted in metal, it offers unparalleled global access with the American Express Global Lounge Collection, including exclusive Centurion Lounges. Cardholders instantly enjoy elite tier status with Marriott Bonvoy and Hilton Honors without meeting standard stay requirements. With a highly rewarding Membership Rewards program, premium dining privileges, and a dedicated 24/7 Platinum Concierge, this card is meticulously designed for those who seek extraordinary experiences and comfort worldwide.
Why Choose the Platinum Card?
The Platinum Card is a Premium-tier Visa credit card issued by American Express (Amex), rated 4.8/5 by the Credit Card Hunt editorial team. It is best suited for Ultra premium users. With a reward rate of MR points and an annual fee of ₹60,000, it ranks among the popular Super Premium cards in India in 2026.
New cardholders are welcomed with Premium welcome, which adds immediate value in the first year.
Platinum Card Fees & Charges
| Annual Fee | ₹60,000 |
|---|---|
| Joining Fee | ₹60,000 |
| Interest Rate | 3.5% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | None |
Platinum Card Rewards & Benefits
| Reward Rate | MR points |
|---|---|
| Welcome Bonus | Premium welcome |
| Lounge Access | Unlimited lounge |
| Best For | Ultra premium users |
Key Highlights of the Platinum Card
- Ultra luxury card
- MR points
- Unlimited lounge
- Insurance cover
Platinum Card Eligibility Criteria
- Age: 21-60 years
- CIBIL score: 800+
- Minimum income: ₹25
- 00
- 000/year
Minimum Income Required: ₹25,00,000/year
Advantages of the Platinum Card
- Elite perks
Drawbacks of the Platinum Card
- Very high fee
Platinum Card — Frequently Asked Questions
What is the annual fee of the Platinum Card?
The Platinum Card has an annual fee of ₹60,000 and a joining fee of ₹60,000. New cardholders receive Premium welcome as a welcome benefit, which helps offset the joining cost.
Does the Platinum Card offer airport lounge access?
Yes — the Platinum Card offers Unlimited lounge.
Who is eligible for the Platinum Card?
The minimum income requirement is ₹25,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Platinum Card?
The Platinum Card earns MR points. It is best suited for Ultra premium users.
Credit Cards Similar to the Platinum Card
If you are considering the Platinum Card, these super premium credit cards are worth comparing before you apply:
- Diners Club Black Credit Card by HDFC Bank — rated 4.8/5, ₹10,000 annual fee
- Axis Magnus by Axis Bank — rated 4.7/5, ₹12,500 + GST annual fee
Expert Rating: 4.8/5