American Express® Platinum Card
Welcome gift worth up to INR 60,000* with option to choose from Taj Hotels, Luxe Gift Card, The Postcard Hotels & Resorts
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.62% travel · 0.62% dining · 0.62% base.
The fee outweighs the rewards at ₹50,000/month. You'd need ~₹8,87,097/month to break even — likely not worth it for you.
vs FIRST Private Credit Card
At ₹50,000/month with 15% travel and 10% dining.
Tools for American Express® Platinum Card holders
Frequently asked
Is the American Express® Platinum Card worth the ₹66,000 fee?
It depends on your spend. The American Express® Platinum Card earns 0.62% base reward and waives the annual fee at ₹20,00,000 of yearly spend. Use the break-even calculator above to see your specific number.
What is the eligibility for American Express® Platinum Card?
American Express typically requires a minimum income of ₹25,00,000/year for the American Express® Platinum Card.
Reward rates and fees are sourced from American Express's product page and may change. Always confirm with the card issuer before applying.