{
  "id": "american-express-platinum-reserve",
  "locale": "hinglish",
  "name": "American Express Platinum Reserve Credit Card",
  "bank": "American Express",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹10,000 + GST",
  "loungeAccess": "2 Complimentary Domestic Airport Lounge visits per quarter (8 per year)",
  "rewardsRate": "1 MR Point per ₹50 spent · ₹1,000 Monthly Voucher on ₹50,000 Spends",
  "bestFor": "Premium dining, monthly brand vouchers, complimentary golf sessions & domestic lounge visits",
  "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": "Koi direct fee waiver nahi (points redemption option available)",
  "networks": [
    "Amex"
  ],
  "quickFacts": [
    {
      "key": "Base Earn Rate",
      "value": "1 MR Pt / ₹50 spent"
    },
    {
      "key": "Monthly Milestone",
      "value": "₹1,000 Voucher / ₹50k spend"
    },
    {
      "key": "Annual Fee",
      "value": "₹10,000 + GST"
    },
    {
      "key": "Domestic Lounges",
      "value": "2 visits / quarter"
    },
    {
      "key": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "key": "Welcome Gift",
      "value": "11,000 MR Points"
    }
  ],
  "earnRates": [
    {
      "category": "General Retail & Online Spends",
      "rate": "1 MR / ₹50 (0.5% - 1.0%)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 MR Points"
    },
    {
      "category": "Fuel Transactions",
      "rate": "0% (Fuel surcharge waiver applicable)",
      "monthlyCap": "₹10,000 monthly spend",
      "perLakhSpent": "0 MR Points"
    },
    {
      "category": "Utilities & Insurance",
      "rate": "1 MR / ₹50",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 MR Points"
    }
  ],
  "hasAccelerated": false,
  "acceleratedEarn": [
    {
      "channel": "Monthly Milestone Spend",
      "multiplier": "Milestone",
      "rate": "₹1,000 Voucher on ₹50,000 monthly spend (2.0% extra)",
      "monthlyCap": "₹1,000 / month",
      "note": "Taj, Flipkart, BookMyShow, ya Amazon vouchers"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "18K / 24K Gold Collection Vouchers",
      "value": "₹0.35 - ₹0.50 / point",
      "minPoints": "18,000 MR Points",
      "isBest": true
    },
    {
      "route": "Statement Credit / Cashback",
      "value": "₹0.25 / point",
      "minPoints": "1,000 MR Points"
    },
    {
      "route": "Airline Miles Transfer",
      "value": "2 MR = 1 Mile",
      "minPoints": "1,000 MR Points"
    }
  ],
  "exclusions": [
    "Fuel transactions par Membership Rewards points nahi milte.",
    "Cash advance, EMI conversions aur late fees excluded hain.",
    "Wallet loading par extra surcharge applicable."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹10,000 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹10,000 + GST"
    },
    {
      "item": "Forex Markup Fee",
      "value": "3.50% + GST",
      "warn": true
    },
    {
      "item": "Interest Rate (APR)",
      "value": "42.0% per annum (3.5% per month)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "18 to 65 years"
    },
    {
      "criteria": "Minimum Income (Salaried)",
      "requirement": "₹12,00,000 per annum"
    },
    {
      "criteria": "Minimum Income (Self-Employed)",
      "requirement": "₹15,00,000 per annum"
    },
    {
      "criteria": "Location Requirement",
      "requirement": "Resident Indian in Amex-serviceable tier-1/tier-2 cities"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}