Namaste dosto! Agar aap ek aisa credit card dhoondh rahe hain jo aapki luxurious lifestyle ko aur bhi enhance kare, toh **American Express Platinum Reserve Credit Card** ek shandaar option ho sakta hai. Yeh card nahi, ek experience hai jo travel, dining, aur shopping ke shauqeen logon ke liye tailor-made hai. Is article mein hum aapko is card ke baare mein sab kuch batayenge – iske benefits, apply kaise karna hai, eligibility, aur bhi bohot kuch. Toh chaliye, shuru karte hain!
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## Amex Platinum Reserve Credit Card Kya Hai?
American Express Platinum Reserve Credit Card ek premium credit card hai jo India mein high-net-worth individuals ke liye design kiya gaya hai. Yeh card aapko exclusive privileges deta hai, jaise ki airport lounge access, dining offers, aur travel benefits. Iska annual fee thoda high hai, lekin iske rewards aur perks isse worth banate hain, khaas kar agar aap frequent traveler ya foodie hain. Yeh card Amex ke portfolio mein Platinum Charge Card ke ek step neeche hai, lekin phir bhi bohot saare premium benefits offer karta hai.
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## Benefits of Amex Platinum Reserve Credit Card
Yeh card aapki lifestyle ko next level le jata hai. Chaliye dekhte hain iske top benefits:
- **Airport Lounge Access**:
- 12 complimentary domestic lounge visits per year (3 per quarter).
- 2 complimentary international lounge visits via Priority Pass membership.[](https://www.paisabazaar.com/amex-bank/american-express-platinum-reserve-credit-cards/)
- **Accor Plus Traveller Membership**:
- 50% off on dining for two people at Accor hotels – perfect for foodies who love fine dining abroad.[](https://www.cardexpert.in/american-express-reserve-credit-card-review/)
- **EazyDiner Prime Membership**:
- Up to 25% off at premium restaurants in India and Dubai, plus 2,000 EazyPoints on joining.[](https://www.paisabazaar.com/amex-bank/american-express-platinum-reserve-credit-cards/)
- **Milestone Rewards**:
- Spend ₹50,000 in a month and get ₹1,000 gift vouchers (Flipkart, BookMyShow, Myntra, etc.).
- Total reward rate can go up to 2.8% with 3x points on Amex Reward Multiplier portal.[](https://creditcardz.in/amex-platinum-reserve-credit-card-detailed-review-2024/)
- **Golf Privileges**:
- Complimentary access to 32+ golf courses in India (twice a month, on spending ₹50,000).[](https://www.americanexpress.com/in/credit-cards/platinum-reserve-credit-card/)
- **Purchase Protection**:
- Items bought with the card are protected against theft or damage (fire, burglary, natural calamities) for 60 days.[](https://www.bankbazaar.com/credit-card/american-express-platinum-reserve-credit-card.html)
- **24x7 Concierge Service**:
- Need last-minute dining reservations ya gift ideas? Amex Platinum Concierge is just a call away (1800-419-1030).[](https://www.bankbazaar.com/credit-card/american-express-platinum-reserve-credit-card.html)
- **Fuel Surcharge Waiver**:
- 0% convenience fee on fuel transactions below ₹5,000 at HPCL pumps.[](https://cardmaven.in/american-express-platinum-reserve-credit-card/)
- **Welcome Gift**:
- 11,000 Bonus Membership Rewards Points on paying the first-year fee and spending ₹30,000 within 90 days.[](https://www.americanexpress.com/in/credit-cards/platinum-reserve-credit-card/)
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## How to Apply for Amex Platinum Reserve Credit Card
Amex Platinum Reserve ke liye apply karna kaafi straightforward hai. Online process quick aur hassle-free hai. Steps yeh rahe:
1. **Visit Amex Website**:
- American Express India ke official website (www.americanexpress.com/in) par jao.
2. **Check Card Details**:
- Platinum Reserve Credit Card section mein jake benefits aur fees check karo.
3. **Fill Application Form**:
- Personal details, income, aur contact info fill karo.
4. **Submit Documents**:
- Upload required documents (neeche list di hai).
5. **Verification Process**:
- Amex team aapke application aur documents verify karegi.
6. **Card Approval**:
- Approval ke baad card 7-10 days mein deliver ho jata hai.
**Pro Tip**: Referral link se apply karo toh 8,000 extra bonus points mil sakte hain (limited period offer).[](https://www.cardexpert.in/american-express-reserve-credit-card-review/)
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## Important Documents Required
Amex Platinum Reserve ke liye aapko kuch basic documents submit karne honge. Yeh rahe:
- **Identity Proof**: Aadhaar Card, PAN Card, Passport, ya Driver’s License.
- **Address Proof**: Aadhaar Card, Utility Bill, Passport, ya Rental Agreement.
- **Income Proof**:
- Salaried: Latest 3 months’ salary slips ya Form 16.
- Self-employed: ITR of last 2 years.
- **Photograph**: Recent passport-size photo.
- **PAN Card**: Mandatory for financial verification.
**Note**: Ensure documents clear aur updated hon. Amex India high credit risk ke wajah se thodi strict verification karta hai.[](https://www.thelocalpostcards.com/review-amex-platinum-reserve-credit-card/)
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## Eligibility Criteria for Amex Platinum Reserve Credit Card
Yeh card premium hai, toh eligibility bhi thodi tight hai. Check karo agar aap eligible ho:
- **Age**: 18 years se above.
- **Income**:
- Salaried: Minimum ₹6 lakh per annum.
- Self-employed: Minimum ₹6 lakh per annum (ITR-based).[](https://www.thelocalpostcards.com/review-amex-platinum-reserve-credit-card/)
- **Residential Status**: Must be a Resident Indian as per Income Tax Act.
- **Credit History**: Good CIBIL score (750+ preferred).
- **Existing Amex Cardholder**: Agar aap pehle se Amex cardholder ho, toh approval chances zyada hain.
**Quick Tip**: Agar aapke paas Platinum Charge Card hai, toh yeh card companion card ke roop mein free mil sakta hai (limited cases).[](https://www.cardexpert.in/american-express-platinum-charge-card-review-india/)
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## Fees and Charges
Amex Platinum Reserve ka annual fee thoda high hai, lekin benefits ke saath balance ho sakta hai:
- **First Year Fee**: ₹10,000 + GST (total ~₹11,800).
- **Second Year Onwards**: ₹10,000 + GST.
- **Fee Waiver**: Spend ₹10 lakh in a year, aur annual fee 100% waive ho jata hai.[](https://www.americanexpress.com/in/credit-cards/platinum-reserve-credit-card/)
- **Retention Offer**: Agar fee waive nahi hota, toh retention call pe 50% fee waiver possible hai.[](https://www.cardexpert.in/american-express-reserve-credit-card-review/)
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## Why Choose Amex Platinum Reserve Credit Card?
Yeh card un logon ke liye perfect hai jo:
- Frequent travelers hain aur lounge access chahte hain.
- Fine dining aur luxury hotel stays enjoy karte hain.
- Golf ke shauqeen hain aur premium courses access karna chahte hain.
- High reward points aur exclusive offers ke liye spend karte hain.
**Cons**:
- Reward rate (1 MR point per ₹50) thoda low hai compared to competitors like HDFC Infinia.[](https://www.paisabazaar.com/amex-bank/american-express-platinum-reserve-credit-cards/)
- Limited acceptance at some merchants in India, khaas kar smaller cities mein.[](https://www.cardexpert.in/amex-platinum-travel-credit-card-review/)
- International lounge access limited to 2 visits per year.
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## FAQs About Amex Platinum Reserve Credit Card
**Q1: Amex Platinum Reserve ka annual fee kya hai?**
**Ans**: First year ke liye ₹10,000 + GST, aur second year se ₹10,000 + GST. Agar aap ₹10 lakh spend karte ho annually, toh fee waive ho sakta hai.[](https://www.americanexpress.com/in/credit-cards/platinum-reserve-credit-card/)
**Q2: Kya yeh card travel ke liye achha hai?**
**Ans**: Haan, yeh card travel ke liye shandaar hai, khaas kar lounge access aur Accor Plus membership ke wajah se. Par international lounge access sirf 2 visits tak limited hai.[](https://www.paisabazaar.com/amex-bank/american-express-platinum-reserve-credit-cards/)
**Q3: Reward points kaise redeem kar sakte hain?**
**Ans**: Aap MR points ko travel (Pay with Points), dining, shopping, ya hotel bookings ke liye redeem kar sakte ho. Best value Marriott Bonvoy transfer (1:1 ratio) se milta hai.[](https://cardmaven.in/american-express-platinum-reserve-credit-card/)
**Q4: Kya yeh card small cities mein accept hota hai?**
**Ans**: Metro cities mein acceptance achha hai, lekin smaller cities jaise Surat mein kuch merchants Amex accept nahi karte.[](https://www.cardexpert.in/amex-platinum-travel-credit-card-review/)
**Q5: Companion card benefit kya hai?**
**Ans**: Agar aapke paas Platinum Charge Card hai, toh Platinum Reserve companion card ke roop mein free mil sakta hai, jab tak Platinum Charge active hai.[](https://www.cardexpert.in/american-express-platinum-charge-card-review-india/)
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## Conversational Keywords
- Amex Platinum Reserve Credit Card India
- American Express premium credit card
- Best credit card for lounge access India
- Luxury credit card benefits
- Accor Plus membership India
- EazyDiner Prime membership
- Golf privileges credit card
- Amex Platinum Reserve rewards
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## Conversational Content: Ek Dost Se Baat
**Dost**: Yaar, yeh Amex Platinum Reserve card ke baare mein itna hype kyun hai?
**Tum**: Arre, yeh card premium lifestyle ke liye hai! Lounge access, fine dining offers, aur golf course access milta hai. Plus, 11,000 welcome points pehle saal mein. Bas annual fee thodi high hai – ₹10,000 + GST.
**Dost**: Lounge access kitna milta hai?
**Tum**: 12 domestic visits aur 2 international visits per year. Par agar tu bohot travel karta hai, toh shayad HDFC Infinia better ho, unlimited lounge access ke liye. [](https://www.paisabazaar.com/amex-bank/american-express-platinum-reserve-credit-cards/)
**Dost**: Aur reward points ka kya scene hai?
**Tum**: 1 MR point per ₹50 spend, aur Reward Multiplier pe 3x points. Best value Marriott Bonvoy transfer se milta hai, almost ₹1 per point. [](https://cardmaven.in/american-express-platinum-reserve-credit-card/)
**Dost**: Small cities mein accept hota hai kya?
**Tum**: Metro mein toh badiya hai, par chhote shehron mein thodi problem ho sakti hai. Check kar lena local merchants se. [](https://www.cardexpert.in/amex-platinum-travel-credit-card-review/)
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## Final Thoughts
Amex Platinum Reserve Credit Card ek premium choice hai un logon ke liye jo luxury aur convenience chahte hain. Iska annual fee thoda high lag sakta hai, lekin agar aap iske benefits – jaise lounge access, Accor Plus, aur EazyDiner – ka full use karte ho, toh yeh worth ho sakta hai. Bas yeh ensure karo ki aapke city mein Amex widely accepted ho. Toh, kya soch rahe ho? Apply karo aur apni lifestyle ko upgrade karo!
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