The American Express Company, also known as Amex. It is an American based multinational bank which provides financial services. American Express Bank is a federal savings bank headquartered in Salt Lake City, Utah, and is a wholly owned subsidiary of American Express. The bank issues charge cards and credit cards for small businesses under the American Express own brand. American Express credit cards are designed to fit right into your lifestyle. It was founded in 1850. The company is best known for its charge card, credit card and traveler’s cheque businesses.
American Express Platinum Reserve Credit Card has no preset credit limit. That means the amount you can spend may change from month to month based on your usage of the card, credit history, income. The American Express Platinum Reserve Credit card provides luxurious benefits in multiple ways like travel, health, dining and other multiple categories. This card also gives access to complimentary lounge access, discounts on health care packages, etc.
1. Get a welcome gift of 11,000 milestone bonus membership rewards points.
2. Earn 1 Membership Rewards (MR) Point on every Rs.50 spent except fuel transactions, insurance payments, utility bill payments, and cash withdrawals.
3. Get zero convenience fee on fuel purchases made at any Hindustan Petroleum Outlets in India.
4. Get 24*7 assistance.
5. Get health and wellness benefits.
6. Enjoy movie or Shopping vouchers worth Rs.6,000/year
7. Enjoy exciting discounts of up to 20% every time you dine at selected restaurants*
8. Complimentary access to leading golf courses in India
|
Reward type |
Travel and Dining |
|
Welcome Gifts |
Get a welcome gift of 11,000 milestone bonus membership rewards points. |
|
Bonus Vouchers |
Enjoy movie or online shopping vouchers worth Rs. 6,000 per year. Enjoy free access to American Express lounges at Delhi Airport and other domestic airports. |
|
Healthcare Benefits |
Get access to unmatched healthcare benefits through Medical Concierge, Fortis Healthcare and Max Healthcare. |
|
Rewards points |
Get 1 Membership Rewards Point for every Rs.50 spent on the Card. Points are not earned on fuel, utilities, insurance, and cash transactions. |
|
Premium Hotel Membership |
Enjoy Luxury hotel booking privileges at leading resorts and hotels including the Taj Selections Vivanta Hotels. |
|
Fuel Surcharge Benefits |
Get convenience fee waiver at HPCL Petrol Pumps. Up to Rs. 25,000, no convenience fee will be charged; for transactions above Rs. 25,000, 0.3% convenience fee will be charged. |
|
Lounge Access |
Free access to American Express lounges at Delhi Airport and other domestic airports. |
|
Golf Benefits |
Get complimentary access to 32 top golf courses at key Indian cities using your American Express Card. |
To apply for a Platinum Reserve card, you have to pay fees and charges applied by the American Express Bank. It covers all charges and fees made by a bank to their customers.The following charges are taken from American Express Bank i.e joining fee, annual fee, interest rate, late payments charges etc.
|
TYPE |
CHARGES |
|
Joining Fee |
Rs. 5,000 plus applicable taxes |
|
Annual Fee |
Rs. 10,000 plus applicable taxes |
|
Add-on Fee (per annum) |
Nil up to 4 add-on cards (Rs. 1,500 per annum, post 4 cards) |
|
Interest Rate |
3.5% pm |
|
Interest-Free Period |
51 Days |
|
Cash Advance Charges |
3.5% of the Cash Advance amount, subject to a minimum of Rs. 250 |
|
Overlimit Charges |
Rs. 500 |
|
Foreign Currency Transactions |
Currency Conversion Factor Assessment: 3.50% |
|
Surcharge on Purchase of Railway Ticket |
1.8% of the transaction value if booked on the internet (IRCTC) subject to a minimum of Rs. 10 |
|
Points/Miles Reinstatement Fee |
Rs. 200 per reinstatement |
Before applying for a Platinum Reserve card from American Express Bank, you should fulfil all basic eligibility criteria as prescribed by the bank. You will get your credit card very soon if you meet all the required eligibility criteria once the documentation is done.
1. The applicant must be over 18 years of age.
2. The applicant’s minimum income must be Rs.6 lakhs per annum.
3. The applicant must have a good credit history.
4. The applicant must be an Indian resident.
5. If the applicant is self-employed, the company must be active for over 12 months.
6. The applicant must be a resident of Ahmedabad, Bangalore, Bhopal, Ernakulam, Goa, Guntur, Kolkata, Pune, Mumbai, Bhubaneshwar, Chandigarh, Chennai, Hyderabad, Indore, Jaipur, Surat, Vadodara, Vijayawada, Coimbatore, Kanchipuram, Delhi/NCR, or Vizag.
Any applicant who is applying for a Platinum reserve credit card from American Express Bank must have to submit the following documents. These documents are the requirements for the lenders who are providing you the credit card.
1. KYC Documents = PAN, address proof and ID proof
2. Coloured photograph
3. Income Proof = Last 3 month salary slip
4. Last 3 months bank statement
5. ITR or Form 16
American Express Credit Card Login
Cardholders of American Express Bank Credit Card can log in to their credit card account through following steps :
1. Visit to American Express Website
2. Provide the User ID and Password
3. Click ‘login’
There are two reason to apply for American Express Platinum Reserve Credit Card :
1. Offline Method : By visiting the nearest branch of American Express Bank
2. Online Method :
Start the application process
Enter basic details such as your income, occupation, city of residence, etc. and proceed
From the list of credit cards, select the American Express Platinum Reserve Card. You can filter the results by the bank to find the card easily
Check eligibility for this card by entering some more details
If you are eligible, you can proceed with the application by filing a detailed form
Once you submit the form, a representative of American Express will give you a call to decide a suitable time and place for document collection
A field agent will be sent to collect the documents at your home or office location
After you submit the documents, American Express will check the same and, if satisfied with the information, the card will be issued.
American Express Platinum Reserve Credit Card Customer Care
Contact number : 18004192122 / 18004191030
Email id : customercare@aexp.com
You can make an American Express credit card payment online, over the phone, by mail, or via the American Express app. To pay your Amex bill online or with the app, just login to your Amex account, click “Make a Payment,” and add your bank account and routing number to make the payment
1. Go to Amex Credit Card Bill Payment Page on Paytm.
2. Enter your Credit Card Number.
3. Enter the bill amount.
4. Click on Proceed.
Bank offered Financial Products
The American Express Platinum Reserve Credit card provides luxurious benefits in multiple ways like travel, health, dining and other multiple categories. This card also gives access to complimentary lounge access, discounts on health care packages, etc.
The minimum age is 18 years and maximum age is 65 years to get a American Express Platinum Reserve Credit Card.
The renewal fee of the American Express Platinum Reserve Credit Card is Rs.10000..
The rewards points given in the American Express Platinum Reserve Credit Card from American Express Bank is :
Get 1 Membership Rewards Point for every Rs.50 spent on the Card. Points are not earned on fuel, utilities, insurance, and cash transactions.
The interest rate is 3.5% per month provided by American Express Platinum Reserve Credit Cards.
Travel and Dining rewards are included in the American Express Platinum Reserve Credit card.
You can apply for a American Express Platinum Reserve Credit Card through online and offline by visiting the nearest bank branch.
You can contact through customer care toll free number and also through e-mail id for a American Express Platinum Reserve Credit Card.
The joining fee of the American Express Platinum Reserve Credit Card is Rs.5000.
The minimum charges is 500 and maximum late payment charges is 1000 of American Express Platinum Reserve Credit Card.
Last Updated on : 09/Oct/2020Know More About CREDIT CARDS
You're eligible for a American Express Platinum Reserve Credit Card if you:
Are legally adult enough to handle it
Have still got it
Get a regular pay check
Make more than a basic buck
Your eligibility depends on:
Earn more than minimum income required
Maximum allowed Credit Cards is Rs. 10K to Rs. 45 lakhs
EMIs of other loans loweryour eligibility
Boost your eligibility by:
Pay off your credit card bills
Choose longer tenure loan up to 5 years
Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:
- 1. Photo ID and age proof
- 2. Signed application form with photograph
- 3. Residence proof
- 4. Last 6 months bank statement
- 5. Documentation for salaried applicants:
- Last 3 months salary - slips
- Form 16 or Income Tax Returns
- 6. Documentation for self-employed applicants:
- Last 3 years Income Tax Returns with computation of Income
- Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account