AMEX
American Express Platinum Charge Card Credit Card
Super-premium card · strong domestic lounge · international details not available · 3.5% forex markup.
The American Express Platinum Charge Card Credit Card is issued by AMEX. Use this page to compare key benefits, fees & charges, lounge access, rewards, and forex markup — then compare with similar cards.
High forex Strong lounge access High rewards High annual fee No UPI support
- Strong lounge access Unlimited domestic lounge access
- High rewards 7% on General spend
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~₹3,500/month (base rewards)
- ~₹42,000/year back · net −₹24,000 after ₹66,000 fee
- Fee waiver conditions unclear — verify
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Annual fee
₹66,000
Lounge
Unlimited (domestic)
Domestic lounge available; international details not available.
Reward rate
7 pts/₹100
Above median base earn (7% vs ~1%).
Confidence: High
Verify with issuer (opens in new tab)Card snapshot
| Annual fee | ₹66,000 |
|---|---|
| Joining fee | ₹66,000 |
| Forex fee | 3.5% (limited information available) What is this? |
| Lounge access | Unlimited domestic lounge |
| Reward rate | 7% base cashback (on eligible spend) |
Real-world usage examples
- Best for frequent domestic airport travel where unlimited lounge access matters.
- Less suited to international transactions because forex markup is 3.5%.
- Competitive for day-to-day rewards with an estimated base return around 7.0%.
Annual fee break-even math
At base earn rates, you need roughly ₹9.4L in yearly spend to offset the ₹66,000 annual fee.
Key Benefits
Lounge Access
- Domestic visits
- Unlimited
- International visits
- Not available in current snapshot International details not available.
Rewards
- Points per ₹100
- 7 pts
- Effective earn
- 7% cashback
Fees & Charges
Fees
- Annual fee
- ₹66,000
- Joining fee
- ₹66,000
International Use
- Forex markup
- 3.5% (limited information available)
- Product tier
- Super-premium
Best For
- Strong lounge access
- High rewards
Explore: best credit cards in India · low forex cards · zero forex cards · forex markup (learn) · reward rate (learn) · lounge access cards
Drawbacks
- High annual fee (₹66,000)
- High forex markup (3.5%)
Latest update
- Snapshot refreshed on 25 April 2026 (today).
- Annual fee on file: ₹66,000.
- Forex markup currently listed at 3.5%.
- Unlimited domestic lounge is on file in the latest refinery snapshot.