CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
American Express

Amex Platinum Reserve Credit Card

29
Ranked #100 of 170 in credit
creditAmexPremiumLegacy · discontinued

Amex mid-premium credit card positioned between Gold Charge and Platinum Charge, offering Taj Epicure, Accor+ Explorer and EazyDiner Prime memberships plus 12+2 lounge visits, but has lost its earlier Centurion Lounge access edge.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value17/100 · weight 71%
≈ 0.80% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
No rewards on: utilities, insurance. Reward score is scaled by ×(1 − 0.9%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency41/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks57/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹10,000 + 18% GST
= ₹11,800 total
Annual fee
₹10,000 + 18% GST
= ₹11,800 / year total
Waiver: 100% annual fee waiver on Rs 10,00,000+ eligible spend in preceding membership year
Forex markup
3.5%

Lounge access

Domestic (per year)
12
International (per year)
2

Reward structure

CategoryTypeRateCapNotes
all_spendspoints0.80%(2 pts @ ₹0.40)—1 MR pt/Rs50 = 2% base; value ~Rs0.4/pt typical redemption

Welcome offer

11,000 Membership Rewards points on Rs 30,000 spend within 90 days

Milestone benefits

Pros

  • Lower fee than Platinum Charge with several similar lifestyle memberships (Taj Epicure, Accor+ Explorer, EazyDiner Prime)
  • decent lounge access (12 domestic + 2 intl)
  • twice-monthly golf at 32+ courses on Rs50,000 monthly spend
  • 100% fee waiver possible on Rs10L spend

Cons

  • Lost Centurion Lounge access in 2023 (its old differentiator)
  • fuel/insurance/utilities earn zero points
  • reward rate weaker than Trifecta cashback cards
  • annual fee difficult to justify vs other cards unless lifestyle perks are heavily used

What's inside

More benefits

  • Golf access

    ₹2,500

    Complimentary access twice a month to 32+ golf courses in India

    monthly. Spend Rs50,000 in a month

  • EazyDiner Prime membership

    ₹3,550

    Complimentary EazyDiner Prime membership (worth Rs3,550); 25-50% off at 2,000+ restaurants

    Cap ₹3,550 / yearly. Manual enrollment via Amex helpline required

  • Accor+ Explorer & Taj Epicure memberships

    Accor+ Explorer membership (4,500+ hotels, up to 30% dining discount APAC) and Taj Epicure (25% off dining/spa, birthday cake, discounted stays)

    yearly. Enrollment required via respective portals

Insurance cover

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Eligibility

text
Indicative Rs6L+ annual income (not officially published); Amex discretionary approval; select Indian cities only

Small print

Fuel surcharge:0% convenience fee at HPCL for txns <Rs5,000; 1% on txns >=Rs5,000