American express platinum reserve credit card is a lifestyle credit card specifically designed for the luxury lifestyle. If you prefer to stay in taj properties and love golfing then this card is for you.
There is no difference in rewards points between Amex Platinum Travel Credit Card and Amex Platinum Reserve Credit Card. This card does not provide any milestones benefits plus it has higher renewal charges than the Amex platinum travel card.
Renewal charges and poor rewards points are major drawbacks of this card as per expert view. But other perks of this card will convince you to apply for this card. So here in this article, we talk about the American Express Platinum Reserve Credit card review 2021 in detail.
What is in this article for you?
In this American express platinum reserve credit card review 2021, we explained all the key perks of this card and also mention all other perks that you get as an Amex family member. If you are thinking about applying for Amex Platinum Reserve Credit card, then this article will help you.
If you are already holding this card then also this article will guide you, how to use your card for maximum benefits. We will be talking about benefits, vouchers, membership, reward redemption, fees and charges, and many more.
Key Benefits of Amex Platinum Reserve Credit Card.
Taj Epicure InnerCircle Membership
This membership cost ₹ 13,500+Gst. In this membership, you can enjoy these perks-
50% back as TIC Points on your first 3 dinings transaction-1 TIC Point is worth ₹ 1. You get 50% off on your first 3 dinings transaction.
Tip to get maximum benefits- Use this voucher for big gatherings or birthday parties for maximum points.
2 Room Upgrade Voucher-You can use this voucher for a maximum of five nights.
Tip to use this voucher-Sometimes, It may happen when taj properties will make up excuses for room upgrades. To avoid all excuses keep booking tab open while contacting to taj properties.
Dining offer- Earn 25% back as TIC Point on dining and spa transaction.
Happy Hours- Enjoy (1+1) on drinks between 6 pm-8 pm every day at all bars, up to a group size of 10 people.
One complimentary Night- You can enjoy a complimentary night stay across all hotels in India participating in the Epicure complimentary night offer.
WHY SHOULD YOU GO WITH AMERICAN EXPRESS MEMBERSHIP REWARDS CREDIT CARD?
List of 10 Best Credit cards in India 2021 – Apply Online
EazyDiner Prime membership
Cost of this membership is ₹ 2795+gst. Here what you will get in this membership-
- A minimum 25% off and up to 50% off at all Prime restaurants.
- A complimentary drink with every booking at over 100+ restaurants, in addition to the discount.
- 4 vouchers worth ₹ 500 each, that can be used on prepaid EazySave bookings, on a minimum transaction of ₹ 2,000.
- Preferential reservations for Prime members dedicated 24hour VIP line for Prime members.
- You can save up to ₹ 3000 on every booking.
- 20% cashback on bookings when you upload the bill, up to five times in a membership year.
You can enjoy complimentary access to 32 lush green courses (fees range from ₹ 1000 to ₹ 5000) twice a month in India without any fee. If you are interested in learning golf then you can avail the discounted golf lesson.
For all the booking you will have to use concierge service and booking need to be done in 4 to 10 days advance.
You can enjoy a movie or online shopping voucher worth ₹6,000 per year. To get this voucher shop for ₹ 25,000 in a month and choose your voucher of ₹ 500 from BookMyShow or Flipkart.
Other benefits of American Express platinum reserve credit card.
Welcome gift- Get a Welcome Gift of 11,000 Bonus Membership Rewards Points.Worth ₹ 5,000. Welcome Gift is available only in the 1st year on payment of the annual fee and on spending ₹ 30,000 within 90 days of Card Membership.
Lounge access- In this card you can enjoy 12 complimentary visits in a year (limited to 3 visits per quarter) to American Express lounges and other domestic airport lounges across India.
You can also access to 1200+ VIP airport lounges in over 120+ countries with a complimentary Priority Pass Membership. (Priority pass membership worth $ 99 is free)
Platinum Concierge Services
This service saves you time. You can use this service for random things. Such as planning a birthday party, sending flowers with a beautiful message to your loved ones, book hotels for your next trip, or sourcing rare item for you.
This service can do the booking for your parties and send an invitation as well. So you don’t have to worry about anything.
Tip- Use this service for a get-together, to plan a trip, or sourcing item for you when you can’t find that item anywhere.
Reward Programme of American Express Platinum Reserve Credit Card.
If rewards point matter for you then this card will disappoint you. Personally, I think this is a drawback to this card. This card does not provide any accelerated rewards option plus there are no spend based rewards.
Reward earring rate- You will earn 1 Membership Rewards Point for every ₹ 50 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale.
There is no expiry date for points.
Reward redemption programme
You can redeem your point for travel booking, paying charges for cards, and for shopping.
Travel Booking-If you want to use your point for travel booking then you can convert you rewards point in air miles. 2 rewards point equal to 1 air miles except for Vistara (3 rewards point equal to 1 air miles).
List of Airlines partner with Amex
|Airlines Partner||Conversion Rate||Minimum Points require|
|Asia Miles||20 Membership Rewards Point = 10 Asia Miles||800 points|
|British Airways Executive Club||2 Membership Rewards Point = 1 Avios||1200 points|
|Club Vistara||3 Membership Rewards Point = 1 Club Vistara Points||900 points|
|Emirates Skywards||2 Membership Rewards Point = 1 Skywards mile||800 points|
|Etihad Guest||2 Membership Rewards Point = 1 Etihad Guest mile||1600 points|
|Finnair Plus||2 Membership Rewards Point = 1 Finnair Plus point||800 points|
|InterMiles||2 Membership Rewards Point = 1 Intermile Minimum||800 points|
|Qatar Privilege Club||2 Membership Rewards point = 1 Qmile||500 points|
|Singapore KrisFlyer||2 Membership Rewards Point = 1 KrisFlyer mile||800 points|
|Virgin Atlantic Flying Club||2 Membership Rewards Point = 1 Flying Club mile||800 points|
Or you can convert your rewards point into hotel point.
Hotel Partners are:-
1000 Membership Rewards Point = 900 Hilton Honors point
Minimum transfer amount-1000 points
1 Membership Rewards Point = 1 point
Minimum transfer amount-100 points
Tip– There are a limited amount of Hilton properties in India, go with Marriott Bonvoy.
Paying charges for the card- You can use your rewards points to pay card charges. 1000 membership rewards points are equal to ₹ 250.
Rewards points for shopping- You can use your rewards points for shopping. There are various products available across categories from electronics, fashion and accessories, Home and health, Gift card and vouchers and Luxury and lifestyle.
You will also get some other benefits as an Amex member.
Fuel benefits- 0% Convenience fee on fueling up at HPCL for transaction up to ₹ 25,000. for transaction more than ₹ 25,000, you will be charged 0.3% as a convenience charge.
Supplementary cards- Get up to 4 supplementary cards for free.
Health and wellness benefits- up to 30% discount on checkups and OPD at Max Hospital and Fortis Hospital.
Purchase protection-In case the item is stolen or gets damaged within 60 days of purchase, the entire purchase amount will be refunded to you.
Emergency card replacement- In case your Card is lost, stolen or damaged, you will receive a replacement Card within 2 business days, free of charge, anywhere in the world.
Zero Lost Card Liability- Your liability will be zero if you lost your card and report within 3 days. Reporting after 3 days, you will be charged maximum ₹ 1000 as a liability.
Air Accident Insurance of Rs. 1 Crore- Air accident cover for up to ₹ 1 crore when you purchase your air ticket with your Platinum Reserve Credit Card.
Contactless Payment- Pay without swiping your card. The transaction amount is limited to less than ₹ 2000.
Fees and Charges of American Express Platinum Reserve Credit Card.
|Types of charges||Amount|
|Joining Fees||₹ 5,000 + Gst.|
|Annual Fees||₹ 10,000 + Gst.|
|Points Redemption Fees||Nil|
|Interest rate||3.35% per month|
|Cash withdrawal charge||3.5% of the amount withdrawn (Minimum – ₹ 250)|
|Foreign currency transaction charge||3.5% of the transaction amount.|
Yor are eligible for this card if you fulfil these criteria:
- You’re over 18.
- You have a saving or current account in India.
- Your income is more than ₹ 6 lakh per annum.
- You have a permanent resident in India.
- if you are self-employed then your company must be trading for more than 12 months.
Why should you go for this card?
Amex Platinum Reserve credit card is a lifestyle credit card. To decide, whether you should go for this card or not depends on your lifestyle and spending pattern. If your spendings are high then you will easily get the annual fee waived off this card.
Yes, this card provides some premium membership like Taj Epicure InnerCircle Membership and EazyDiner Prime membership plus Golf privilege. But on the other side, this card has a very weak rewards programme. So, If you are someone who does not prefer to visit Taj properties and their restaurants or play golf then this card is not for you.