American Express Banking Corp.
American Express Centurion Card (Black Card)
The American Express Centurion Card, popularly known as the Black Card, is one of the world's most exclusive payment cards. It is designed for affluent customers seeking personalised concierge services, luxury travel privileges, premium hospitality, and access to exclusive experiences.
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Highlights
Main benefits
- Ultra-Premium: Exclusive invitation-only Black Card.
- Luxury Travel: Premium travel and hospitality privileges.
- Concierge: Personalised lifestyle assistance.
- Lounge Access: Access to participating Global Lounge Collection lounges, subject to terms.
- Rewards: Membership Rewards and selected accelerated-reward offers.
- Exclusive Experiences: Premium dining, shopping, and curated events.
- Fees: ₹7,00,000 joining fee + ₹2,75,000 annual fee, plus applicable taxes.
Fees
Fees and charges
Joining fee
₹7,00,000
Renewal fee
₹2,75,000
Annual fee waiver
No publicly documented standard waiver
Who can apply
Eligibility
- Invitation-only; no direct public application.
- Strong credit history and repayment record.
- High income and substantial spending profile.
- Existing Amex relationship may be beneficial.
- Final approval at American Express's discretion.
Checklist
Documents required
- PAN Card
- Aadhaar Card or other valid identity and address proof
- Income proof (ITR or salary slips, if requested)
- Bank statements
- Additional financial documents, if requested by American Express
- Existing American Express account details, if applicable
Note: Final documentation requirements are determined by American Express during the invitation and verification process.
Process
How to apply
1. Invitation-only card; no standard public application.
2. Build a strong financial profile and credit history.
3. Maintain a relationship with American Express and use eligible cards responsibly.
4. Contact American Express India to enquire about Centurion membership.
5. Complete verification and documentation if invited.
Official Website: https://www.americanexpress.com/in/
Value
Reward and cashback structure
Reward rate
- Rewards programme: Membership Rewards, subject to applicable Centurion terms.
- Bonus rewards: Eligible purchases may qualify for accelerated rewards through selected merchant promotions.
- RewardXcelerator: American Express advertises 10X and 20X Membership Rewards promotions at participating merchants for eligible Centurion and Platinum Cardmembers.
Cashback
No universal flat cashback rate is publicly established in the cited information.
Good fit
Pros
- Exclusive luxury travel and lifestyle privileges.
- Personalised concierge services.
- Premium lounge access at participating locations.
- Exclusive experiences and selected accelerated rewards.
Watchouts
Cons
- Extremely high joining and annual fees.
- Invitation-only; approval is not guaranteed.
- No publicly confirmed universal cashback rate.
- Benefits may vary by location and programme terms.
Related
Related cards
कार्ड तुलना करें
कार्ड तुलना करें
| Field | American Express Centurion Card (Black Card) | HDFC infinia metal credit card |
|---|---|---|
| Bank/provider | American Express Banking Corp. | HDFC bank |
| जॉइनिंग फीस | ₹7,00,000 | ₹12,500 + gst |
| रिन्यूअल फीस | ₹2,75,000 | ₹12,500 + gst |
| Best for | Ultra-Luxury Lifestyle, International Travel, Exclusive Experiences & Premium Concierge Services | Luxury travel, premium rewards, airport lounge access, dining, and high-spending users |
| रिवॉर्ड रेट |
| Earn 5 Reward Points for every ₹150 spent and up to 10X rewards on SmartBuy purchases |
| कैशबैक | No universal flat cashback rate is publicly established in the cited information | High-value reward points redemption on flights, hotels, Apple products, vouchers, and SmartBuy bookings |
| लाउंज एक्सेस |
| Unlimited Included domestic and international airport lounge access with Priority Pass membership |
| फ्यूल सरचार्ज छूट | 1% waiver on eligible fuel transactions of ₹400–₹4,000 across petrol pumps in India | 1% fuel surcharge waiver on eligible fuel transactions across India |
| वेलकम बेनिफिट | Benefits may be offered privately to invited cardmembers | Get 12,500 welcome reward points and complimentary Club Marriott membership on eligible activation |
| वार्षिक फीस छूट | No publicly documented standard waiver | Annual fee waived on achieving eligible yearly spending milestones |
| योग्यता |
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| आवेदन लिंक | आवेदन करें | आवेदन करें |
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