{
  "id": "american-express-platinum",
  "locale": "hi",
  "name": "American Express Platinum Credit Card",
  "bank": "American Express",
  "cardType": "premium",
  "cardTier": "ultra-premium",
  "annualFee": "₹66,000 + GST",
  "loungeAccess": "असीमित ग्लोबल लाउंज कलेक्शन (Self + 1 Guest, Centurion & Priority Pass)",
  "rewardsRate": "प्रति ₹40 खर्च पर 1 MR पॉइंट · अंतरराष्ट्रीय खर्च पर 3X अंक",
  "bestFor": "लक्जरी होटल लाभ (Fine Hotels + Resorts), अंतरराष्ट्रीय यात्रा और वैश्विक कंसीयर्ज",
  "officialLink": "https://www.americanexpress.com/in/charge-cards/platinum-card/",
  "aiVerdict": {
    "score": 5,
    "summary": "Its lounge access is the standout benefit for travellers.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹66000) erodes net rewards"
    ],
    "confidence": 0.75
  },
  "affiliateId": "american-express-platinum",
  "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 Card terms & schedule of benefits",
    "American Express Global Lounge Collection guidelines"
  ],
  "feeWaiver": "कोई वार्षिक शुल्क माफी उपलब्ध नहीं",
  "networks": [
    "Amex"
  ],
  "quickFacts": [
    {
      "key": "बेस अर्निंग रेट",
      "value": "1 MR pt / ₹40 खर्च"
    },
    {
      "key": "अंतरराष्ट्रीय रेट",
      "value": "3X MR पॉइंट्स"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹66,000 + GST"
    },
    {
      "key": "ग्लोबल लाउंज",
      "value": "Unlimited + 1 Guest"
    },
    {
      "key": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "key": "वेलकम बोनस",
      "value": "135,000 अंक या ₹45k ताज वाउचर"
    }
  ],
  "earnRates": [
    {
      "category": "अंतरराष्ट्रीय खर्च (Overseas)",
      "rate": "3.75% (3 MR / ₹40)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "7,500 MR Points"
    },
    {
      "category": "घरेलू रिटेल और ऑनलाइन",
      "rate": "1.25% (1 MR / ₹40)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "2,500 MR Points"
    },
    {
      "category": "यूटिलिटी और बीमा",
      "rate": "1.25%",
      "monthlyCap": "₹50,000 / माह तक",
      "perLakhSpent": "2,500 MR Points"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 MR Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "अंतरराष्ट्रीय लेनदेन (विदेशी मुद्रा)",
      "multiplier": "3×",
      "rate": "3.75%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "सभी गैर-INR मुद्राओं पर स्वतः लागू।"
    },
    {
      "channel": "Amex Reward Multiplier (Apple, Nykaa, Dyson)",
      "multiplier": "5×",
      "rate": "6.25%",
      "monthlyCap": "25,000 बोनस अंक / माह",
      "dailyCap": "—",
      "note": "Amex Reward Multiplier पोर्टल से खरीदारी शुरू करनी होगी।"
    },
    {
      "channel": "Fine Hotels + Resorts कार्यक्रम",
      "multiplier": "VIP",
      "rate": "एलीट लाभ",
      "monthlyCap": "असीमित स्टे",
      "dailyCap": "—",
      "note": "$100 फूड एंड बेवरेज/स्पा क्रेडिट और मानार्थ दैनिक नाश्ता शामिल।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Marriott Bonvoy पॉइंट्स ट्रांसफर (1:1 अनुपात)",
      "value": "₹0.60–₹0.80 / पॉइंट",
      "minPoints": "1,000 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "एयरलाइन पार्टनर्स (KrisFlyer, Virgin, Qatar)",
      "value": "₹0.50–₹0.80 / पॉइंट",
      "minPoints": "1,000 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "Taj Experiences स्टे वाउचर्स",
      "value": "₹0.50 / पॉइंट",
      "minPoints": "10,000 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य"
    },
    {
      "route": "स्टेटमेंट क्रेडिट (कैशबैक)",
      "value": "₹0.25 / पॉइंट",
      "minPoints": "5,000 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य"
    }
  ],
  "exclusions": [
    "क्रेडिट कार्ड से किराया भुगतान (Rent pay)।",
    "पेट्रोल पंपों पर ईंधन खरीद (केवल सरचार्ज माफी)।",
    "सरकारी कर और ₹50,000 से अधिक के यूटिलिटी बिल।",
    "नकद अग्रिम (कैश एडवांस)।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग / वार्षिक शुल्क",
      "value": "₹66,000 + GST"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹66,000 + GST (कोई माफी उपलब्ध नहीं)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "ऐड-ऑन कार्ड्स",
      "value": "4 तक मानार्थ प्लेटिनम कार्ड"
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 65 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹25 लाख वार्षिक शुद्ध आय"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹35 लाख से अधिक का ITR"
    },
    {
      "criteria": "स्थान",
      "requirement": "टियर-1 मेट्रो का सर्विसेबल पिन कोड आवश्यक"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}