Platinum Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: American Express
Network: Visa | Tier: Premium
The Platinum Card is a Premium Visa credit card issued by American Express, best suited for ultra premium users. It carries a joining fee of ₹60,000, with an interest rate of 3.5% per month. Key benefits include Ultra luxury card, MR points, Unlimited lounge, and Insurance cover. New cardholders get a welcome benefit of Premium welcome. On fees — Lounge access: Unlimited lounge; Foreign transaction markup: 3.5%. Applicants typically need ₹25,00,000/year to qualify. It falls under the Super Premium, Travel, and Rewards category on CreditCardHunt.
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Why Choose the Platinum Card?
The Platinum Card is a Premium-tier Visa credit card issued by American Express, 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 — a real advantage for ultra premium users.
Drawbacks of the Platinum Card
- On the downside: 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:
- Infinia Metal Edition Credit Card by HDFC Bank — rated 4.9/5, ₹12,500 annual fee
- Reserve Credit Card by Axis Bank — rated 4.9/5, ₹50,000 annual fee
- Emeralde Private Metal Credit Card by ICICI Bank — rated 4.8/5, ₹12,499 annual fee
- Diners Club Black Credit Card by HDFC Bank — rated 4.8/5, ₹10,000 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
Explore more on CreditCardHunt.in
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- Read our credit card guides & FAQ.
Expert Rating: 4.8/5