Platinum Reserve credit card
Premium Amex with Taj/EazyDiner privileges, golf, and 8 domestic lounge visits.
Source: American Express – Platinum Reserve product page · last reviewed 2026-09-12
Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.
Why it fits – and what to watch
hover any tile for the detail! You pay the ₹11,800 annual fee (incl. GST) – waiver needs a fee-based renewal, it is never waived.
Where the money comes from
−₹9,014/yr · -2.8%UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).
How the score of 34 is built
weights total 100% · methodologyAirport lounges with this card
Open Lounge Finder →How you get in: American Express lounge programme. Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.
AMD Ahmedabad 1 lounge
- ✈T1 Adani Lounge (Domestic) Adani Airports · via American Express lounge programme verified
BLR Bengaluru 1 lounge
- ✈T2 080 Domestic Lounge BIAL · via American Express lounge programme verified
MAA Chennai 1 lounge
- ✈T1 Travel Club Lounge (T1) Travel Food Services · via American Express lounge programme verified
DEL Delhi 1 lounge
- ✈T3 Encalm Lounge (T3 Domestic) Encalm · via American Express lounge programme verified
GOI Goa (Dabolim) 1 lounge
- ✈Main Travel Club Lounge (Dabolim) Travel Food Services · via American Express lounge programme verified
HYD Hyderabad 1 lounge
- ✈Main Encalm Lounge (Domestic) Encalm · via American Express lounge programme verified
CCU Kolkata 1 lounge
- ✈T2 Travel Club Lounge (Domestic) Travel Food Services · via American Express lounge programme verified
BOM Mumbai 1 lounge
- ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via American Express lounge programme verified
PNQ Pune 1 lounge
- ✈Main Travel Club Lounge (Pune) Travel Food Services · via American Express lounge programme verified
Card facts
At a glance
- Dining and hotel privileges
- Big welcome pack
- Amex service
- 1% earn rate
- ₹10,000 renewal
- Acceptance gaps
Community Q&A on the Platinum Reserve
Threaded questions from cardholders · the Advisor can add a computed answer.
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Frequently asked questions
What is the annual fee of the American Express Platinum Reserve?
Joining fee ₹5,000 and renewal fee ₹10,000, plus 18% GST (₹11,800 a year). The fee is not waived on spend.
Does the Platinum Reserve give airport lounge access?
8 domestic/yr. 8 domestic per year + Priority Pass membership.
How much can I save with the Platinum Reserve?
For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is −₹9,014 a year, an effective savings rate of -2.8% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.
What are the Platinum Reserve's reward exclusions and caps?
No rewards on fuel, rent, utilities, insurance, education. No monthly caps on the main earn rates.
Sources
Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.