Hands-On Experience With Amex Platinum Metal Card (Review)

Around the entire world, American Express is called a premium credit card. So, this way, if you are looking for a pleasant experience, then a premium credit card provides you with the bet issuer that will be the right place.

As a metal card, this American Express Platinum Card is considered an instalment credit card from American Express India, especially for premium travel privileges. This is a responsibility card, so there is no pre-set limit for it.

So, to review and know the card in detail here is the right place for you.

Rewards 

1. Rewards Points

• MR Point Value – ~50Ps to 1Re
• Earn Rate – 1MR Point per Rs.40 Spent
• Reward Rate 1.25% to 2.5%

From personal experience, the above reward rate is summed up but only for Marriott Points. It becomes a little challenging to have a static value on a general basis if you get a value of Rs.3 per point.

Based on how you redeem, your reward rate may also differ. And if you want to know how to maximize your American Express MR Points Value, then visit the Amex Platinum Metal Card’s official website.

You get charged by 3.5%+GST markup fees, but you cannot neglect the point of getting accelerated 3X points on international spending.

It will also be a better option to swipe an Amex card over the other cards when you are in a foreign country, as it provides you with a facility of Zero lost Card liability.

This way, the reward rate is the highest of all the AMEX cards. Here, the members get to earn one membership reward point of each Rs.40 of expenditure.

2. Radisson Rewards

i. Elite Tier – Gold Elite: After being an addict of Marriott, you will not like the Radisson loyalty program to use. If you are too much into the Radisson and have already become a loyal member of the Radisson, this will help you with the upgraded rooms and many more advantages.

ii. On each transaction done in a foreign country, you can get 3X membership reward points.

iii. You can also earn the 5X membership reward points on each purchase through the reward multiplier.

iv. Even your points will never have an expiry date.

v. You can also earn up to 1,50,000 bonus membership reward points to share with friends and family of American Express.

vi. You can also earn Rs.40 on each of your transactions.

vii. You can also redeem or pay with your points with 500 different options to travel across, accessories, dining, and many more.

What Makes This Card Better from Other Credit Cards?

There is only one reason that can stop you from buying this card, which is the fees. And if you can afford the fees, then there is nothing that can have a high demand not to buy this card as you get corresponding privileges through ongoing offers, hotel membership, spend-based offers, etc.

You also get 13 nights to stay in Cat through this card in 1 Marriott Hotel very easily.

Any other cards do not offer such offers in the market, so this card needs to be the first option to opt for.

Features and Benefits

1. Credit Limit

This Hands-On Experience with Amex Platinum Metal Card is a charge card and has a no-pre-set limit. It also had a shadow limit or internal limit, which is the same as a credit limit; other than that, it keeps on increasing according to your re-payments.

Generally, the limit along with the north goes up to 10 Lakhs, but you can still be at the same place with ~3L or so, which will be based on credit report and financials, till the time the system gets to know all about your expenditure pattern.

2. Airport Lounge Access

i. Domestic Lounges

Supplementary and primary cardholders get access as an unlimited lounge to mostly all the domestic airports situated around the nation. But all these are not owned but are the affiliated lounges by Amex.

ii. Amex Lounges

To all the Amex lounges, you can get access to the lounges for unlimited times worldwide, just like Mumbai Amex Lounge. With that, you also get contact to the Centurion lounge too.

iii. Priority Pass Lounges

In this, you get access to all the 1,200+ priority pass lounges for unlimited times around the globe. Also, only one additional cardholder is allowed to enrol for all the priority pass lounge benefits.

iv. Delta Lounges

This lounge is quite different from other lounges; it provides you with an extra advantage for this card. With that, you also get contact with the Delta lounge when you travel with Delta Airlines. But this is much comfortable when you fly inside the USA.

3. Elite Tier Benefits

With this card, you get a Platinum Card, which gives you an elite tier of privileges to enjoy as long as you remain the owner of the platinum card.

i. Marriott Bonvoy

• Status – Gold Elite
• Value – Rs.20,000

With the platinum card, you can get this most important privilege to use. This card makes its value high by giving the two different combinations of 100k welcome bonus points and Gold Elite status.

You can get a minimum of Rs.20k as on value if you use 10 nights to stay in a year with 5 successful upgrades.

ii. Hilton Honours

• Elite Tier – Gold
• Value – Rs.10,000

This hotel has a very friendly loyalty program and offers breakfast privileges on a complimentary basis as Remember Gold tier.

You can get a minimum of Rs.10k as on value if you use 5 nights to stay in a year. This way you can save a lot of money.

iii. Shangri-La Golden Circle

• Elite Tier – Jade
• Value – Rs.20,000 (by considering Taj benefit)

This hotel spreads across the globe, and if you have the gold status, you will get to have a better treatment, with breakfast on a complimentary basis.

Taj Inner Circle Gold – With Shangri-La Golden Circle Gold, you get the reciprocal benefits to Taj.

This can offer some extra added value if you are a fan of the Taj Hotel. You will also have access to check-in early and check-out, upgrade 20 rooms, and many more.

You can get a minimum of Rs.20k as on value if you use 10 nights to stay in a year.

iv. Taj Inner Circle

• Elite Tier – Silver

Taj Inner Circle Silver tier is also offered with the Platinum Card directly. But this will be only eligible by the primary cardholder as the owner will have to fill out the application while in physical existence, which will have to be sent to the Amex for processing.

4. Golf Benefits

With this card, you will access on a complimentary basis to use 32 Golf Courses all across the nation. On a complimentary basis, you can also get golf lessons from professionals at some selected Golf Courses.

5. Platinum Concierge

This Hands-On Experience with Amex Platinum Metal Card offers about 200 enthusiastic employees to handle the Concierge Services for Centurion Cards and Platinum Cards. This will give a division of choices for travel and lifestyle. And below are these divisions: –

i. Travel Concierge

American Express was earlier known as a travel company known for offering great deals on travel. They are mentioned below: –

• Complimentary Taj Vouchers on Inti Travel Bookings
• Discounts on Business Class Revenue Rates
• Visa Services
• Complimentary First-Class Upgrade on Etihad

ii. Lifestyle Concierge

With the special offer called Do-Anything Platinum Concierge, you can do anything under the sun.

This is a less-valued benefit but is measured as the most significant privilege. Whereas in many other lifestyles, they do it to gain value from it.

Moreover, this will make them delegate some small works which can save much of your time.

6. Dining Benefits

• Taj Epicure
• Eazy Diner Prime

7. American Express Invites

It gives a benefit to have a ticket for some popular events even before it goes on sale for the public. But such benefit is only given to the Platinum Card Members.

Fees and Charges

Eligibility and Documents Required

Eligibility

While applying for the card, you need to consider some points that you fit for the card or not! Also, these points should come up with yes as your answers. Below are the criteria for the Hands-On Experience with Amex Platinum Metal Card: –

• You need to be above 18 years of age.
• Self-Employed – your company needs to be in the industry for more than 12 months.
• There should be no payment defaults and also need to maintain good credit history.
• You need to be a resident of India.
• You also need to have a savings account or current account but from Indian and multinational banks.
• You need to have an annual income of more than Rs.25 Lakhs if you are employed, and if you are self-employed, then your annual income should be more than Rs.15 Lakhs.
• You also need to confirm your residential status, and if you want to change, you can notify the American Express Banking Corp. of the changes.
• Right now, these cards are only issued to the people who are the residents of Mumbai, Indore, Jaipur, Delhi, Ahmedabad, Vijayawada, Bangalore, Surat, Hyderabad, Bhubaneshwar, Chennai, Vizag, Kolkata, Pune, Chandigarh, Bhopal, Coimbatore, Vadodara, and Ernakulam are only subject to the conditions.

Required Documents

Documents you need while the Standard Chartered Manhattan Credit Card application process are: –

•  Any Photo Identity – PAN Card, Voter ID Card, Passport, Aadhaar Card
• Any Residential Proof – Phone Bill, Driving license, Electricity Bill, Rental Agreement, Credit Card Statement, Passport
• Salaried – Latest to three-month salary slip
• Self – Employed Businessman – Business continuity proof (Latest) and certified financials
• Self – Employed Professionals – Business continuity proof, Latest IT returns

How To Apply For The Card?

Apply for your Platinum Card easily and quickly. Then track the lower steps: –

i. First, you need to fill out your online application form.

ii. Then, you will have to identify yourself through iDIN.

iii. You will be told to upload an identity document, which is valid.

iv. The bank will go through your application and communicate to you if more information is needed.

v. If your application gets approved, you will receive your card in the next 10 working days.

vi. Then, you will have to activate your card online.

Frequently Asked Questions

Final Talk

Over and above, this card can become lovable for all those fond of using the premium experiences in life. You also get an advantage to share with your family and not only you. The card also offers to have the Supplementary card to share it with the other family members with all the benefits as the cardholder has. According to my, 2021 would be the perfect year to have this card, as you can enjoy the benefits of non-travel too.