Fees
Annual feeINR 5,000 + GST
Joining feeINR 5,000 + GST
Renewal feeINR 5,000 + GST
Fee waiverNo automatic fee waiver; partial offset via milestone Taj voucher (INR 10,000 at INR 7 lakh spend)
Interest rate3.5% per month (42% per annum (p.a.))
Late paymentAs per Amex schedule; typically INR 700-INR 1,300 based on outstanding
Forex markup3.5% of transaction amount
Cash advance3.5% of transaction amount
Eligibility
Min income (salaried)INR 50,000 - INR 75,000 (approx. INR 6 lakh/year)
Min income (self-emp.)INR 9 - INR 12 lakh/year
Income requirementSalaried: INR 50,000 - INR 75,000 (approx. INR 6 lakh/year); Self-employed: INR 9 - INR 12 lakh/year
Credit score750 - 800 (Very Good)
Age range18 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateMilestone rewards revised (eff. Mar 9, 2026): INR 7 lakh annual spend needed for comparable MR bonus (was INR 4 lakh — 75% increase). Taj Gift Vouchers removed from lower milestone tiers. Milestone MR points now credited automatically (no call/chat needed). Effective return for INR 4–5 lakh/year spenders: ~4.37% (was 10%+).
Cashback %No direct cashback; welcome gift 10,000 MR pts on INR 15,000 spend within 90 days
Cashback capNA - milestone-based reward structure
Redemption optionsFlights & Hotels; Air Miles / Airline Conversion; Gift Vouchers; Merchandise; Bank's own online redemption store (Platinum Travel Collection)
Points expiryNo Expiry (until card is closed)
Travel & lounge
Domestic lounge8 complimentary visits/year (max 2 visits/quarter via Amex domestic lounges & partner lounges)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Travel insuranceNo
Hotel/flight offers10% - 15% via Amex Travel Collection; Taj hotels privileges
ConciergeNo (available on Platinum Reserve)
Forex waiver3.5% (Standard Rate - no waiver)
Lifestyle
Dining benefitsYes - via Amex Offers dining program
Dining discountsYes - via Amex Offers dining program
Fuel surchargeYes - 1% fuel surcharge waiver
OTT subscriptionsNo
E-commerce offersYes - via Amex partner network
AdditionalMilestone threshold hiked 75% (eff. Mar 9, 2026): needs INR 7L/year for full bonus MR; Taj Gift Vouchers removed from lower tiers. Automatic milestone credit (no manual claim required).
Credit limit & EMI
Default limitINR 1.5 - INR 4 lakh
Max limitINR 5 - INR 10 lakh (profile-based)
Cash withdrawal20%-40% of credit limit
EMI optionsAt Purchase; Post-purchase; Yes - at POS and post-purchase
EMI conversionAt Purchase; Post-purchase
Min EMI amountINR 5,000+
Balance transferNo
Insurance & protection
Purchase protectionNo
Lost card liabilityYes - Zero Lost Card Liability; emergency card replacement within 48 hours worldwide
Digital & security
ContactlessYes - contactless payments below INR 5,000
Virtual cardYes
App featuresReal-time Spend Alerts; Card Lock/Unlock; View Statements & Due Dates; Convert to EMI; Rewards Tracking & Redemption; Autopay Setup; Raise Service Requests; Credit Limit Increase Request
Card controlsBlock/Unblock Card; Enable/Disable International Usage; Set Transaction Limits; Card PIN Reset; Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts; AI-Based Risk Monitoring; OTP for Online Transactions; Tokenization; Zero Liability Guarantee
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes