American Express · Super-premium
Amex Platinum Charge
Earns Amex Membership Rewards (India)
Where it ranks across all 187 cards
#7 EMI
1.3%
direct
#8 Wallet load
1.3%
direct
#10 Education
1.3%
direct
#26 Jewellery & watches
1.3%
direct
#27 Mobile / broadband
1.3%
direct
#27 Gaming
1.3%
direct
#34 Train tickets
1.3%
direct
#36 Other
1.3%
direct
#40 Health & pharmacy
1.3%
direct
#42 Cabs & transit
1.3%
direct
#45 Electronics
1.3%
direct
#48 Flights
1.3%
direct
portal reaches 6.3%
#48 Hotels
1.3%
direct
portal reaches 6.3%
#52 Dining out
1.3%
direct
#55 Food delivery
1.3%
direct
#55 Fashion
1.3%
direct
#57 Groceries
1.3%
direct
#58 Online shopping
1.3%
direct
#59 Movies & events
1.3%
direct
#20 Fuel
0.5%
direct
#11 Government / tax
0.4%
direct
#4 Rent
0.3%
direct
30 Sep 2026
From 30 Sep 2026, extra points on purchases at select brands end. Extra points through ShopWise vouchers continue.
1 Aug 2026
Amex India is currently not accepting new card applications.
Get an email if this card changes - sign in.
Points valued at ₹0.5/pt - conservative, what rankings use · transfers reach up to ₹1.52/pt via Virgin Atlantic Flying Club at 5:4
Reward rules3 direct
Base rate - everything not covered below
1.25%base rate
1 pt / ₹40
source
Source: Amex Platinum Charge MITC - americanexpress.com - read 20 Aug 2026
Fuel earns only 1 MR/₹100 (w.e.f. 1 Mar 2015)
0.50%this rule
1 pt / ₹100
source
Source: Amex MR program page - americanexpress.com - read 22 Aug 2026
3X MR on all overseas spends
3.75%this rule
3 pts / ₹40
source
Source: Amex Platinum Card page - americanexpress.com - read 22 Aug 2026
Via portals & vouchersdisplay, never ranks
5X on Amex Travel Online (FHR hotels/flights)
via amex travel
source
Source: Amex Platinum Charge T&C - americanexpress.com - read 20 Aug 2026
6.3%
ShopWise vouchers 5X modeled (Rewards Xcelerator reaches up to 20X on 20+ luxury brands)
voucher route via amex travel
source & note
ShopWise is up to 5X on 200+ brands; the 20X ceiling belongs to the separate Rewards Xcelerator program. Reward Multiplier program validity printed through 31 Aug 2026 - re-verify renewal.
Source: ShopWise catalog + card-multiplier table (public) - shopwise.giftstacc.com - read 22 Aug 2026
6.3%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
What 10,000 points become. The low end of each range ranks; the high end is display only.
Virgin Atlantic Flying Club
5:4 ratio
8,000 ptsworth ₹5,600-₹15,200
Hilton Honors
2:3 ratio · The rare better-than-1:1 route.
15,000 ptsworth ₹5,250-₹7,500
Marriott Bonvoy
1:1 ratio
10,000 ptsworth ₹4,500-₹6,500
Singapore Airlines KrisFlyer
2:1 ratio
5,000 ptsworth ₹4,000-₹12,500
British Airways Executive Club (Avios)
2:1 ratio
5,000 ptsworth ₹3,500-₹9,000
Qatar Airways Privilege Club (Avios)
2:1 ratio
5,000 ptsworth ₹3,500-₹9,000
Cathay Asia Miles
2:1 ratio
5,000 ptsworth ₹3,500-₹10,000
Amex India lists exact partners/ratios only after login; transfers are irreversible and process within hours. 18% GST applies on some conversions - check at redemption.
Earns nothing on2 exclusions
Insurance
earns nothing
Insurance: no MR points (MR T&C Section III.1(a) - categories only, no MCC codes published).
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance
Source: Amex Membership Rewards Program T&C (PDF) - americanexpress.com - read 22 Aug 2026
Utility bills
earns nothing
Utility services: no MR points (MR T&C Section III.1(a)).
→ use HSBC Live+ here (10.0%)
detail & source
categories: Utility bills
Source: Amex Membership Rewards Program T&C (PDF) - americanexpress.com - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.
EazyDiner
Up to 50% off at 1,800+ premium restaurants via EazyDiner Prime, plus a complimentary drink and preferential reservations
Source: American Express - Platinum Card (charge card) - americanexpress.com - read 11 Oct 2026
50%discount
Taj, SeleQtions and Vivanta hotels
25% off at Taj, SeleQtions and Vivanta hotels in India
Source: American Express - Platinum Card (charge card) - americanexpress.com - read 11 Oct 2026
25%discount
Oberoi Hotels
50% off suites at Oberoi Hotels
Source: American Express - Platinum Card (charge card) - americanexpress.com - read 11 Oct 2026
50%discount
The LaLiT
One extra complimentary night on a minimum 2-night booking of a club room or suite
Source: American Express - Platinum Card (charge card) - americanexpress.com - read 11 Oct 2026
Marriott Bonvoy
Complimentary Marriott Bonvoy Gold Elite status
Source: American Express - Platinum Card (charge card) - americanexpress.com - read 11 Oct 2026
Taj Epicure
Complimentary Taj Epicure membership
Source: American Express - Platinum Card (charge card) - americanexpress.com - read 11 Oct 2026
Hilton Honors
Complimentary Hilton Honors Gold status
Source: American Express - Platinum Card (charge card) - americanexpress.com - read 11 Oct 2026
Accor Plus
Complimentary Accor Plus Traveler membership
Source: American Express - Platinum Card (charge card) - americanexpress.com - read 11 Oct 2026
Airport lounges
Access to 1,550+ airport lounges across 140+ countries
Source: American Express - Platinum Card (charge card) - americanexpress.com - read 11 Oct 2026