Postclic unlimited subscription: promo at Rs 92,44 for 48h with a mandatory first month at Rs 5.032,79, then Rs 5.032,79 per month without commitment
Cancel AMERICAN EXPRESS PLATINUM
in 30 seconds only!
Cancellation service #1 in India
4.9Calculated on 5.6K reviews
I hereby notify you of my decision to terminate the contract relating to the American Express Platinum service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation American Express Platinum: Step-by-Step
What is American Express Platinum
Overview
The American Express Platinum (India) is an ultra-premium card offering travel and lifestyle benefits, lounge access, concierge services and membership rewards. It is positioned as a charge/priority product with a high annual cost and premium perks.
Key characteristics
The card is subscription-based (charge card) and often includes complementary travel benefits, milestone rewards and elite hotel/airline privileges. Acceptance and benefit value can vary in India compared with global markets.
How to cancel American Express Platinum
Prepare before you start
Confirm there is no outstanding balance (billed or unbilled) and foreclose any active EMIs before requesting cancellation.
Redeem Membership Rewards points you want to keep; unredeemed points can be forfeited if not handled within the stated window.
Step-by-step cancellation (online / app / phone)
- Clear all billed and unbilled balances on the card.
- Foreclose or close any active EMI plans; ensure foreclosure is processed to avoid continued fees.
- Redeem or transfer Membership Rewards points within 30 days to avoid forfeiture.
- Request cancellation through American Express customer care or your online account. For Amex guidance see American Express card cancellation.
- Obtain and save a written confirmation or reference number for the cancellation request.
What happens when you cancel
Account access and billing
Once cancelled, you will no longer be able to use the card for new transactions. Final billing and any outstanding charges must be settled.
Supplementary or add-on cards linked to the primary card are automatically cancelled as part of the process.
Rewards, benefits and records
Membership Rewards points may expire or be forfeited if not redeemed within the timeframe stated by American Express (redeem within 30 days as noted on Amex guidance).
Benefits tied to active account status (lounge access, concierge, renewal rewards) cease on cancellation; keep copies of any confirmations you may need later.
Will I get a refund?
Annual fee policy
American Express India’s published and reported practice does not guarantee a pro‑rata refund of the annual fee after cancellation.
Multiple user reports indicate the annual fee is generally retained even when the card is cancelled shortly after issuance.
EMI and transaction reversals
- Refunds or reversals related to merchant refunds may not automatically remove EMI processing fees; cardholders may need to request foreclosure/adjustment within the timeframe specified by Amex.
- User reports note cases of delayed or incomplete reversal of wrongful charges; keep transaction IDs and merchant refund proof when disputing.
American Express Platinum plans and pricing
Price summary
The table below lists the common fee structures for the two Platinum variants offered in India. Verify current amounts with American Express before cancelling or reapplying.
Details
| Plan | Price | Period | Features |
|---|---|---|---|
| Platinum Charge Card (Annual Fee incl. GST) | ₹77,880 | Annual | Annual fee ₹66,000 + 18% GST; premium charge card with lounge access, elite hotel statuses, renewal rewards. |
| Platinum Travel Credit Card (Annual Fee) | ₹5,000 plus applicable taxes | Annual | Lower-fee travel-focused credit card with lounge access, reward points and travel vouchers. |
Your consumer rights in India
Legal protections
There is no explicit 14-day automatic cancellation or pro‑rata refund right for annual fees stated by American Express India in publicly available materials.
If you believe a practice is unfair (for example abrupt cancellations, retained fees or withheld reversals), it may fall under unfair trade practices or grievance grounds under consumer protection law and RBI guidelines.
Escalation steps
- Raise the issue first with American Express customer care and obtain written references.
- If unresolved, escalate to the RBI Banking Ombudsman or file a consumer complaint under relevant consumer protection mechanisms.
Customer experiences
Positive feedback
Some cardholders value luxury-oriented benefits such as golf discounts, Taj vouchers and concierge support. Review sites note strong rewards for users who actively use premium perks.
High-spend customers occasionally receive significant milestone bonuses (reported examples include large MR point awards).
Negative feedback
Common complaints include limited merchant acceptance in smaller towns, perceived low value from some luxury perks and inconsistent concierge performance.
Customer service is frequently described as slow or scripted, and there are reports of abrupt account closures with loss of points and retained fees.
Documentation checklist
Required documents
- Card number (or last 4 digits) and account/customer ID.
- Government ID used in the original application (PAN, Aadhaar as applicable).
- Written cancellation request or recorded reference from phone chat.
Helpful supporting items
- Proof of settlement of outstanding balance (if paid prior to cancellation).
- Merchant refund proof and EMI foreclosure receipts (if disputing charges or EMIs).
- Membership Rewards redemption confirmations if you transferred or redeemed points.
Common mistakes
Before cancelling
Failing to clear unbilled charges or foreclose EMIs can lead to continued processing of fees or unresolved debits after cancellation.
Not redeeming points in time can result in forfeiture; confirm Amex timeframes and redeem desirable balances before closing the account.
During cancellation
Relying on verbal assurances without a written cancellation reference can make escalation difficult later.
Not requesting written confirmation or failing to check final statement can lead to surprise charges or retained annual fees without a clear audit trail.
Comparative recap
Quick comparison
| Plan | Annual fee | Best for | Notes |
|---|---|---|---|
| Platinum Charge Card | ₹77,880 | Frequent luxury travellers and users of premium concierge/lounges | High cost; premium benefits but limited acceptance and value in some India contexts. |
| Platinum Travel Credit Card | ₹5,000 plus taxes | Travel-focused users seeking lounge access and moderate rewards | Lower-cost alternative with travel benefits; better acceptance than charge product for some users. |
Which to choose
Choose the Charge Card only if you will use the premium benefits enough to justify the high fee. The Travel Credit Card is more suitable if you want lounge and travel rewards at a modest cost.
After cancelling
Immediate actions
- Keep the written cancellation confirmation and final statement for records.
- Monitor your bank account and credit record for any residual or disputed charges.
Where to get official help
For the official cancellation procedure and contact options use the American Express cancellation page: American Express card cancellation.
If you need to escalate, follow Amex complaint escalation channels and consider RBI Ombudsman or consumer forums if not resolved.
Address
Mailing address
American Express Banking Corp., Cyber City, Tower‑C, DLF Building No. 8, Sector 25, DLF City Phase II, Gurgaon 122002, Haryana, India.
Where to send written cancellation
Use the above Gurgaon address for written communications related to card operations and cancellation requests.
Always send by a trackable method and keep copies of your letter and proof of posting or delivery.