American Express · Premium
Amex Platinum Reserve
Earns Amex Membership Rewards (India)
Where it ranks across all 187 cards
#18 Wallet load
1.0%
direct
#24 Education
1.0%
direct
#44 Jewellery & watches
1.0%
direct
#51 Gaming
1.0%
direct
#56 Mobile / broadband
1.0%
direct
#65 Train tickets
1.0%
direct
#67 Cabs & transit
1.0%
direct
#70 Other
1.0%
direct
#72 Health & pharmacy
1.0%
direct
#75 Electronics
1.0%
direct
#83 Hotels
1.0%
direct
#83 Movies & events
1.0%
direct
#83 Fashion
1.0%
direct
#84 Online shopping
1.0%
direct
#84 Food delivery
1.0%
direct
#84 Flights
1.0%
direct
#86 Groceries
1.0%
direct
#90 Dining out
1.0%
direct
#19 Government / tax
0.1%
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.
1 Sep 2023
Centurion Lounge access removed; partner lounges only (3/quarter).
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 rules1 direct
Base rate - everything not covered below
1.00%base rate
1 pt / ₹50
source
Source: Amex Platinum Reserve MITC - americanexpress.com - read 20 Aug 2026
Via portals & vouchersdisplay, never ranks
ShopWise vouchers 3X (continue past 30 Sep 2026 per Amex - rate to re-check)
voucher route via amex travel
source & note
Verify your tier in the Reward Multiplier portal post-ShopWise migration.
Source: ShopWise catalog + card-multiplier table (public) - shopwise.giftstacc.com - read 22 Aug 2026
3.0%
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 on4 exclusions
Fuel
earns nothing
Fuel: no MR points (MR T&C Section III.1(a) - Amex publishes categories, not MCC codes).
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel
Source: Amex Membership Rewards Program T&C (PDF) - americanexpress.com - read 22 Aug 2026
Insurance
earns nothing
Insurance: no MR points (MR T&C Section III.1(a)).
→ 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 (electricity/gas/water, incl govt providers): 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
EMI
earns nothing
EMI chosen at merchant site/terminal earns no MR points on personal credit cards (MR T&C).
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
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
Complimentary EazyDiner Prime membership
Source: American Express - Platinum Reserve Credit Card - americanexpress.com - read 11 Oct 2026
ALL Accor+
Complimentary ALL Accor+ Explorer membership
Source: American Express - Platinum Reserve Credit Card - americanexpress.com - read 11 Oct 2026
Taj Epicure
Complimentary Taj Epicure membership
Source: American Express - Platinum Reserve Credit Card - americanexpress.com - read 11 Oct 2026
Partner golf courses
2 complimentary rounds a month at 32+ golf courses with no green fee, after ₹50,000 spend that month
Source: American Express - Platinum Reserve Credit Card - americanexpress.com - read 11 Oct 2026
Priority Pass and airport lounges
Complimentary domestic and international airport lounge access, including Priority Pass membership with the US$99 fee waived
Source: American Express - Platinum Reserve Credit Card - americanexpress.com - read 11 Oct 2026