Built for benefit collectors.
Earn 2 MR Points for every Rs. 100
Earn 3x and 5x accelerated rewards on your regular purchases.
Marriott 1:1, Airlines 2:1 transfers
Earn 11,000 Membership Rewards points on paying the fee and spending ₹30,000 within 90 days. Time-limited referral offers can add another 8,000 MR points only if you apply from the link below.
Use ShopWise to earn 3X Membership Rewards on everyday brands like Amazon, Flipkart, Myntra, Swiggy, Uber, Nykaa and more.
Taj Epicure Plus, ALL Accor+ Explorer and EazyDiner Prime memberships, 12 domestic lounge visits, and MR transfers to Marriott (1:1) and airlines (2:1).
| Joining fee | ₹10,000 + GST |
|---|---|
| Renewal fee | ₹10,000 + GST; waived 100% on ₹10 lakh annual spend |
| Welcome gift | 11,000 Membership Rewards points on paying the fee and spending ₹30,000 within 90 days (higher 19,000-point offers are referral-only) |
| Rewards | 1 MR point per ₹50 spent; up to 3X via the Reward Multiplier portal. No points on fuel, insurance, utilities, EMI conversions or cash transactions |
| Milestone vouchers | ₹1,000 voucher each calendar month you spend ₹50,000 — up to ₹12,000 a year (Flipkart, BookMyShow, MakeMyTrip, Myntra and others); enrolment required |
| Transfers | Marriott Bonvoy at 1:1; airline partners (e.g. Emirates Skywards, Singapore KrisFlyer) at 2:1; Hilton Honors roughly 1:0.9 |
| Lounge access | 12 domestic visits/year (max 3 per quarter) + complimentary Priority Pass with 2 international visits/year. Domestic Centurion Lounge access was withdrawn in 2023 |
| Hotel & dining | Taj Epicure Plus, ALL Accor+ Explorer (incl. 20 status nights/year) and EazyDiner Prime memberships; twice-monthly complimentary golf on ₹50,000 prior-two-month spend |
| Forex markup | 3.5% + GST |
The Amex Platinum Reserve was not always an easy card to recommend. Earlier, it lacked a strong reason to choose it over other Amex cards.
But with the current referral-linked 19,000 MR points welcome offer, Accor-style hotel benefits, Taj Epicure Plus, EazyDiner Prime, ShopWise 3X rewards, Reward Multiplier 3X, select 5X offers, the card finally makes sense for the right user.
It is best for someone chasing welcome value, hotel dining perks, and Amex accelerated rewards.
For a fee of ₹10,000 + GST, the card can be worth it if you actively use the benefits. Considering that cards like Amex Platinum Travel, Gold Charge, and MRCC are not open for fresh applications right now, the Platinum Reserve has become the most practical way to enter the Amex ecosystem.
With up to 19,000 Membership Rewards points on offer, Platinum Reserve is no longer just a niche premium card. For many users, it is now the smartest entry point into Amex in 2026, while they wait for an upgrade link that might help convert the card to MRCC or Platinum Travel.
Yes. American Express paused new card applications in India in early 2025 for a systems upgrade but has since reopened them, and the Platinum Reserve Credit Card is openly issued to new applicants as of June 2026.
The card carries a first-year fee of ₹10,000 plus GST and a renewal fee of ₹10,000 plus GST from the second year. The renewal fee is waived in full if you spend ₹10 lakh or more in the preceding membership year.
The standard welcome gift is 11,000 Membership Rewards points, credited after you pay the annual fee and spend ₹30,000 within the first 90 days. Larger totals such as 19,000 points come from time-limited referral offers.
It earns 1 Membership Rewards point for every ₹50 spent, with up to 3X available through the Reward Multiplier portal. Spends on fuel, insurance, utilities, EMI conversions at point of sale and cash transactions earn no points.
Yes. Points transfer to Marriott Bonvoy at a 1:1 ratio and to airline frequent-flyer partners such as Emirates Skywards and Singapore Airlines KrisFlyer at 2:1 (800 points become 400 miles). Hilton Honors transfers at roughly 1,000 points to 900 Hilton points.
Application links on this page may earn Book1A an incentive at no extra cost to you — see our affiliate disclosure.
You'll apply on American Express