{
  "id": "american-express-platinum-reserve",
  "locale": "hi",
  "name": "American Express Platinum Reserve Credit Card",
  "bank": "American Express",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹10,000 + GST",
  "loungeAccess": "2 मानार्थ डोमेस्टिक एयरपोर्ट लाउंज प्रति तिमाही (8 प्रति वर्ष)",
  "rewardsRate": "प्रति ₹50 खर्च पर 1 MR पॉइंट · ₹50,000 मासिक खर्च पर ₹1,000 वाउचर",
  "bestFor": "प्रीमियम डाइनिंग, मासिक ब्रांड वाउचर, मानार्थ गोल्फ व डोमेस्टिक एयरपोर्ट लाउंज आराम",
  "officialLink": "https://www.americanexpress.com/in/credit-cards/platinum-reserve-credit-card/",
  "aiVerdict": {
    "score": 2.2,
    "summary": "It offers baseline benefits without any standout strength in rewards, fees, or lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹10000) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 0.75
  },
  "affiliateId": "american-express-platinum-reserve",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "American Express India — Platinum Reserve terms, schedule of charges & milestone program",
    "American Express Domestic Lounge Access directory"
  ],
  "feeWaiver": "कोई स्वचालित शुल्क छूट नहीं (रिवॉर्ड पॉइंट रिडेम्पशन उपलब्ध)",
  "networks": [
    "Amex"
  ],
  "quickFacts": [
    {
      "key": "बेस अर्न रेट (Base Earn Rate)",
      "value": "प्रति ₹50 खर्च पर 1 MR पॉइंट"
    },
    {
      "key": "मासिक माइलस्टोन (Monthly Milestone)",
      "value": "₹50,000 खर्च पर ₹1,000 वाउचर"
    },
    {
      "key": "वार्षिक शुल्क (Annual Fee)",
      "value": "₹10,000 + GST"
    },
    {
      "key": "डोमेस्टिक लाउंज (Domestic Lounges)",
      "value": "2 विजिट प्रति तिमाही"
    },
    {
      "key": "फॉरेक्स मार्कअप (Forex Markup)",
      "value": "3.5% + GST"
    },
    {
      "key": "वेलकम गिफ्ट (Welcome Gift)",
      "value": "11,000 MR पॉइंट्स"
    }
  ],
  "earnRates": [
    {
      "category": "सामान्य रिटेल व ऑनलाइन खर्च",
      "rate": "1 MR / ₹50 (0.5% - 1.0%)",
      "monthlyCap": "असीमित (Uncapped)",
      "perLakhSpent": "2,000 MR पॉइंट्स"
    },
    {
      "category": "ईंधन लेनदेन (Fuel Transactions)",
      "rate": "0% (सरचार्ज छूट लागू)",
      "monthlyCap": "₹10,000 मासिक खर्च",
      "perLakhSpent": "0 MR पॉइंट्स"
    },
    {
      "category": "उपयोगिता बिल व बीमा",
      "rate": "1 MR / ₹50",
      "monthlyCap": "असीमित",
      "perLakhSpent": "2,000 MR पॉइंट्स"
    }
  ],
  "hasAccelerated": false,
  "acceleratedEarn": [
    {
      "channel": "मासिक माइलस्टोन खर्च",
      "multiplier": "माइलस्टोन",
      "rate": "₹50,000 मासिक खर्च पर ₹1,000 वाउचर (2.0% अतिरिक्त)",
      "monthlyCap": "₹1,000 प्रति माह",
      "note": "Taj, Flipkart, BookMyShow, या Amazon वाउचर"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "18K / 24K गोल्ड कलेक्शन वाउचर",
      "value": "₹0.35 - ₹0.50 प्रति पॉइंट",
      "minPoints": "18,000 MR पॉइंट्स",
      "isBest": true
    },
    {
      "route": "स्टेटमेंट क्रेडिट / कैशबैक",
      "value": "₹0.25 प्रति पॉइंट",
      "minPoints": "1,000 MR पॉइंट्स"
    },
    {
      "route": "एयरलाइन माइल्स ट्रांसफर",
      "value": "2 MR = 1 माइल",
      "minPoints": "1,000 MR पॉइंट्स"
    }
  ],
  "exclusions": [
    "ईंधन लेनदेन पर कोई रिवॉर्ड पॉइंट नहीं मिलते।",
    "कैश एडवांस, ईएमआई रूपांतरण और लेट फीस पर अंक नहीं।",
    "वॉलेट लोड पर अतिरिक्त शुल्क।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क (Joining Fee)",
      "value": "₹10,000 + GST"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क (Annual Renewal Fee)",
      "value": "₹10,000 + GST"
    },
    {
      "item": "फॉरेक्स मार्कअप शुल्क (Forex Markup)",
      "value": "3.50% + GST",
      "warn": true
    },
    {
      "item": "ब्याज दर (APR)",
      "value": "42.0% प्रति वर्ष (3.5% प्रति माह)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु आवश्यकता (Age Requirement)",
      "requirement": "18 से 65 वर्ष"
    },
    {
      "criteria": "न्यूनतम वार्षिक आय (वेतनभोगी)",
      "requirement": "₹12,00,000 प्रति वर्ष"
    },
    {
      "criteria": "न्यूनतम वार्षिक आय (स्वरोजगार)",
      "requirement": "₹15,00,000 प्रति वर्ष"
    },
    {
      "criteria": "आवासीय स्थान",
      "requirement": "एमेक्स समर्थित टियर-1/टियर-2 भारतीय शहरों में निवासी"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}