premiumpointsAmerican Express · Amex
American Express Platinum Reserve Credit Card
Earns 1 MR Point per ₹50 (≈2 per ₹100); no points on fuel, insurance, utilities, cash or POS EMI. Membership Rewards transferable to 8 airline/hotel partners — ratios verified on the cardholder MR transfer page. Extras (not modelled): ₹12,000 movie/online-shopping vouchers per year on ₹50,000 monthly spend, Accor Plus Explorer + Taj Epicure + EazyDiner Prime memberships, golf access on ₹50,000 monthly spend.
what it costs
| joining fee | ₹10,000 |
|---|---|
| annual fee | ₹10,000 |
| how to dodge the fee | Annual fee of ₹10,000 waived if spends in the immediately preceding membership year are ₹10,00,000 or more |
how you earn
every ₹100 you swipe earns you points in Membership Rewards (MR) Points.
| default | 2× / ₹100 |
|---|
freebies
| welcome gift | 11,000 Bonus Membership Rewards Points as a welcome gift |
|---|
where your points fly
move points to these airlines & hotels at the ratio shown (lower = better).
- Cathay Pacific Asia Miles2:1
- British Airways Executive Club2:1
- Etihad Guest2:1
- Qatar Airways Privilege Club2:1
- Singapore Airlines KrisFlyer2:1
- Virgin Atlantic Flying Club2:1
- Marriott Bonvoy1:1
- Hilton Honors10:9
extras
| domestic lounges | Complimentary domestic airport lounge access across India |
|---|---|
| international lounges | Priority Pass membership (US$99 annual fee waived) |
want it?
all numbers checked against the bank's page on 2026-05-31. apply links may carry an affiliate tag — see our disclosure.