Amex · Super Premium
American Express Platinum Card
premium 5pts/₹100 on Travel & Lifestyle 99 lounge visits
Unlock your personalized match & eligibility
Analyzed securely via RBI Account Aggregator. RBI-licensed framework, 100% encrypted, zero CIBIL impact.
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The bottom line
First-year value
₹-52,650.00
incl. joining fee
Ongoing / yr
₹-52,650.00
after ₹60,000.00 fee
Fee payback
—
fee > rewards here
Why it fits: your spend is 30% in this card's accelerated categories — strongest on Travel & Lifestyle, worth roughly 2 lounge visits worth of value.
Estimated on an illustrative spend profile. Use the calculator below to match your own.
What would this card earn you?
Monthly spend₹82,400
₹32,960Your spend₹1,64,800
Annual reward
₹7,350
Annual fee
₹60,000
Net value
₹-52,650
View category breakdown
Travel & Lifestyle₹7,350/yr@ 5pts/₹100
Reward rates
Travel & Lifestyle5 pts/₹100
Key facts
Annual fee
₹60,000.00
Joining fee
₹60,000.00
Interest (p.m.)
3.5%
Forex markup
3.5%
Domestic lounge
99/yr
Intl lounge
Unlimited
Fuel waiver
No
Min CIBIL
780+
Welcome benefit
100,000 MR points on ₹50k spend in 30 days
Key Fact Statement
As required by RBI circular RBI/2023-24/53 · auto-generated from live issuer data
RBI KFS
| Parameter | Value | Note |
|---|---|---|
| Loan/credit product | Amex American Express Platinum Card Credit Card | Product name |
| Annual Percentage Rate (APR) | 42.00% p.a. | Effective cost of credit on outstanding balance |
| Monthly finance charge | 3.50% per month on outstanding | Applied after interest-free period lapses |
| Interest-free period | Up to 50 days (if full due paid by due date) | No interest when bill settled in full each cycle |
| Annual fee / joining fee | ₹60,000 joining · ₹60,000 annual | Charged on first statement and each anniversary |
| Minimum amount due (MAD) | 5% of total outstanding or ₹200 (whichever is higher) | Paying only MAD incurs finance charge on remaining balance |
| Late payment charge | ₹100–₹1,300 depending on outstanding amount | Levied if MAD not paid by due date |
| Cash advance fee | 2.5% of amount or ₹500 (whichever is higher) | Plus finance charge from day of withdrawal |
| Forex markup fee | 3.50% on international / foreign-currency transactions | Over and above the card network exchange rate |
| Over-limit fee | 2.5% of over-limit amount or ₹550 (whichever is higher) | If spend exceeds sanctioned credit limit |
| Representative example | ₹10,000 outstanding for 12 months at 3.50%/month = total repayable ₹12,418 (APR 42.00%) |
Rates and charges are indicative and sourced from the issuing bank's Schedule of Charges. Actual charges are determined solely by the issuing bank at the time of sanction. This KFS is auto-generated by Naxelona and does not constitute an offer of credit. Credit is subject to the issuing bank's credit assessment and eligibility criteria.
Soft check via the RBI Account Aggregator framework — no impact on your CIBIL score.