The American Express Latinum Reserve credit card is a premium credit card designed for people who want extra benefits with their spending. It appears a mix of travel dining and lifestyle perks making it useful Four frequent travelers and those who enjoy premium experiences. With this card you get priority pass membership allowing access to over 1400 airport lounges Worldwide, Including two free international lounge visits per year. You also get a complimentary accor plus traveller membership, Which provides discounts at luxury hotels across asia Pacific.
Dining benefits includes the platinum 1 for 1 offer, Which gives complimentary deals on hotel stays, brunches, special dining menues, spa treatments and more at select partners. for travellers, the card offers perks like free one night stays at premium hotels and business class flights. although the card had lower rewards and higher annual fee in the past, recent updates in 2024 have made it a little more attractive.
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American Express Platinum Reserve Credit card Rewards
The American Express Platinum Reserve Credit card is premium offering designed to cater individuals who seek high end reward, Travel privileges and exclusive memberships. with an emphasis on luxury and value this card provides a variety of benefits when ranging from generous reward points to premium travel Perks,, dining discounts and more. here is breakdown of the key rewards and features Offered by the card.
| Benefit | Details |
|---|---|
| Membership Rewards Points | Earn 1 Membership Rewards Point for every ₹50 spent (excluding certain categories) |
| Travel Benefits | 12 complimentary domestic lounge visits per year (max 3 per quarter) & Priority Pass membership for international lounges |
| Taj Epicure Plus Membership | Complimentary 1-year membership with discounts on stays and dining at Taj properties |
| Dining & Entertainment | Monthly vouchers worth ₹500 on spending ₹25,000+, EazyDiner Prime membership for exclusive dining benefits |
| Golf Benefits | 2 complimentary golf rounds each month at select golf courses across India |
| Fuel Surcharge Waiver | 0% fee on fuel purchases under ₹5,000 at HPCL petrol pumps (1% surcharge above ₹5,000) |
| Supplementary Cards | Up to 4 supplementary cards free; additional cards at ₹1,500 per card |
American Express Platinum Reserve Milestone Rewards
First there is a welcome benefit where you can earn 11,000 membership reward points by spending 30,000 within the first 90 days of pressing your card Provided you have paid the joining fees. This is a great start to accumulate points that you can redeem for various rewards.
In addition to the welcome benefits the card also offers monthly milestone rewards, When you spend 50,000 in a month you can receive shopping and entertainment vouchers It’s worth ₹500 from Brands like Flipkart or bookmyshow. this is a nice perk for those who enjoy shopping or entertainment providing added value with every month Spending.
Finally there is a annual minus tone benefit If you manage to spend 5 lakhs over the course of the year you will receive a 10,000 rupees voucher that can be redeemed at Taj seleQtion Or Vivantha hotels. This is luxurious reward and enhanced newer expense at some of the best hotels in India.
Card Design
The American Express Platinum Reserve Credit card features a sleak and elegantreflecting its premium status. the curve showcases a polished platinum finish Complemented by the iconic American Express Centurion logo symbolizing exclusivity and Sophistication. This riponda esthetic aligns with the card array of high and benefit services.
Reward Points
The American Express Platinum Reserve credit card allows card holders to earn membership rewards points on their purchases, Which can be redeemed for variety of rewards. Points can be earned on regular spending and can be transferred to airline and hotel loyalty programs Used for shopping bill payments or travel bookings.
| Category | Points Earned |
|---|---|
| Standard Spending | 1 Membership Rewards Point per ₹50 spent |
| Bonus Points | 3X Membership Rewards Points on select offers |
| Redemption Options | Travel, shopping vouchers, bill payments, transfers to loyalty programs |
American Express Platinum Reserve Taj Epicure Plus Membership
This credit card come with the Taj Epicure plus membership, Offering explosive benefits at Taj hotels in India.
- 25% discount on dining: Enjoy discounts at Taj restaurants and takeaways.
- 20% discount on Point Saloon: Save on treatments at Jivas Pass and saloon services.
- 20% discount on room stays: Get discounts on a room bookings at Taj Properties.
- Birthday perk: A complimentary birthday cake during your birthday month.
- Happy hours: Special offers at select Taj club lounges Twice a year.
Airport Lounge Access
Platinum reserve offers excellent airport launch access to make your travel experience more comfortable. You get 12 free visits per year to domestic lounges with a maximum of 3 visits each quarter. Additionally the card provides complimentary priority pass membership, which allows you to access over 1200 international lounges Worldwide. While visits to these international lounges come with a nominal fee of $35 taxes per visit, The membership still provides a great value for frequent travelers. This benefit ensures you can relax and enjoy quality amenities while waiting for your flight whether you are flying domestically or internationally.
Accor Plus Traveller Membership
The American Express Platinum Reserve Credit card comes with a complimentary accord traveler membership, Valued ₹10,000 plus taxes. This membership is a great pork for travelers and diners offering saving and exclusive benefits across the essay Pacific Region.
- Dining discounts: Get up to 50% off at over 1400 restaurants in Accor hotelAsia Pacific.
- Accommodation benefits: And just spatial members rates at more than 1000 hotels including luxury brands like Sofitel, Fairmont And Pullman.
However this membership does not include the free night stay benefit that comes with higher tire accor Plus membership. To retain these benefits you must maintain an active American Express platinum reserve credit card.
Annual Fee & Charges
The American Express Platinum Reserve Credit card has specific fees and charges that are important to know before applying Here is a simple Breakdown of the Costs.
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹5,000 + taxes in the first year |
| Annual Fee | ₹10,000 + taxes from the second year onwards |
| Interest Rate | 3.5% per month (42% per year) on outstanding balances |
| Foreign Currency Markup | 3.5% of the transaction amount |
| Cash Withdrawal Fee | 3.5% of the amount withdrawn (minimum ₹250) |
| Late Payment Fee | ₹500 for bills up to ₹10,000; ₹750 for ₹10,001–₹25,000; ₹1,000 for bills above ₹25,000 |
| Overlimit Fee | ₹500 for exceeding the credit limit |
| Supplementary Card Fee | First 4 supplementary cards are free; ₹1,500 per card for additional ones |
Eligibility Criteria
The American Express platinum reserve credit card is designed for individuals who meet specific eligibility criteria To apply for this card you should:
- Age: be at least 18 year old.
- Income : heaven and new income of 6 lakhs or more.
- Credit credit history: Maintain good credit history with a CIBIL score of 750 or higher.
- Residency : be resident of India.
American Express Platinum Reserve Vs American Express Platinum Travel
| Feature | American Express Platinum Reserve Credit Card | American Express Platinum Travel Credit Card |
|---|---|---|
| Annual Fee | ₹10,000 plus taxes | ₹3,500 plus taxes |
| Eligibility Criteria | Minimum annual income of ₹6,00,000; good credit history | Minimum annual income of ₹6,00,000; good credit history |
| Earning Rate | 1 Membership Rewards Point per ₹50 spent | 1 Membership Rewards Point per ₹50 spent |
| Bonus Points | 3X Membership Rewards Points on select offers | 3X Membership Rewards Points on select offers |
| Redemption Options | Travel, shopping vouchers, bill payments, transfers to loyalty programs | Travel, shopping vouchers, bill payments, transfers to loyalty programs |
| Airport Lounge Access | 12 free visits per year to domestic lounges; Priority Pass with nominal fee for international lounges | Complimentary access to American Express Platinum Lounge at Delhi Domestic Terminal |
| Hotel Privileges | Taj Epicure Plus Membership, dining and hospitality benefits at Taj Hotels | Special privileges at Taj, SeleQtions, Vivanta Hotels, and Preferred Hotels & Resorts |
| Golf Course Access | Complimentary access to leading golf courses in India | Complimentary access to leading golf courses in India |
| Travel Credits | ₹10,000 travel credit per year | ₹10,000 travel credit per year |
| Shopping Vouchers | ₹6,000 worth of movie or online shopping vouchers per year | ₹6,000 worth of movie or online shopping vouchers per year |
| Healthcare Offers | Up to 20% off on health check-ups, OPD consultations, dental treatments | Up to 20% off on health check-ups, OPD consultations, dental treatments |
| Annual Fee Waiver | No waiver available | No waiver available |
Review:
The American Express platinum reserve credit card is a good option for people who want a mix of travel benefits luxury experiences and rewards. It come with perks like Taj Epicure Plus Membership, airport lounge access and travel credits. making it valuable for frequent travellers and those who enjoys premium services. however the high annual fee may not be suitable for if you dont travel regularly.
Overall, This card offers good value if you enjoy luxury travel, exclusive hotel perks and premium experiences. it is great choice for those who frequently travel, dine at upscale resturants or enjoy high end lifestyle benefits.but it may not be the fit for someone looking for basic rewards or a low cost card.
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