American Express Platinum Reserve Credit Card

American Express Platinum Reserve Credit Card is a Prepmium offering from American Express India.

Benefits of American Express Platinum Reserve Card

  • Access to American Express Platinum Lounges in Delhi and Mumbai Domestic Airports
  • 1 reward point for every Rs 40/- spent on this card
  • Earn 10 times more membership points for every Rs 40/- spent at the Platinum Partner stores like Royal Orchid, Colorplus, Kimaya , West View, Goa Portuguesa etc
  • Complimentary membership of Taj Epicure Plus
  • Welcome gift of 22,000 bonus reward points
  • Complimentary Golf at 5 exclusive Golf Courses in India
  • Other Platinum benefits like Platinum Wine, Platinum Stays, Platinum Gourmet Experiences etc

Eligibility criteria for Amex Platinum Reserve Card India

  • Age more than 18 years
  • Annual Annual Income more than INR 9 Lacs for Self Employed & INR 15 Lacs for Salaried
  • For Self Employed, the company should be more than 1 year old
  • Should hold a savings or current account in India
  • Should be an Indian Resident
  • Good Credit history/CIBIL score without any payment defaults

Fee Structure of the American Express Platinum Reserve Credit Card

  • Annual Fees: Rs 10,000/- + taxes

American Express PAYBACK Credit Card

American Express PAYBACK card is a co-branded card from Amex India where members earn PAYBACK points for their spends. The card’s punch line is “Rewards ka booster lagao” – clearly highlighting that this is probably the fastest way to earn reward points for your spends.

Fees for the Amex PAYBACK Credit Card:

  • First Year Fees – Rs 750/- + taxes
  • Subsequent Year Fees – Rs 1500/- + taxes
  • Annual Fee Waiver (2nd year onwards) if the total spends are in excess of Rs 150,000/-

Eligibility for American Express PAYBACK Credit Card:

  • Should be more than 18 years of age
  • Minimum Personal annual income of INR 3 lacs or above (for both Salaried, Self Employed)
  • Must have an existing savings or current account in India
  • Should be a permanent resident of India
  • Should have a good credit history and no prior payment defaults
  • If the applicant is self-employed: the company should be more than a year in existence

Benefits of American Express PAYBACK Credit Card:

  • Earn 3 Payback points for every Rs 100 spent
  • Earn 3x rewards points on spending more than Rs 15000 in the first 60 days of card approval
  • Acess to pay-in parts privilege from American Express where you can convert transactions over Rs.5,000 into installments with 0% Processing Fee and 1.49% p.m. interest and No foreclosure charges
  • 0% fuel surcharge on petrol transactions at HPCL outlets
  • Special offers on Dining – upto 20% off on select restaurants in Delhi, Chennai, Mumbai and Bangalore
  • Get exciting welcome gifts worth Rs 3000/-
  • Get a high credit limit on the Amex Payback Card