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American Express Centurion (Black) Card
Amex • Amex

American Express Centurion (Black) Card

Unlimited Points, Bespoke Redemptions, Personal Concierge

Reviewed by Amodh Shetty
Last Verified: Recently Verified
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
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Annual Fee₹325000Invite Only - No Waiver
Base Reward2.5%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹-321,055Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹9,000

Assumes base reward rate only.

Annual fee₹3,25,000

Invite Only - No Waiver

Net value₹3,16,000

Estimated cost after fees.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
5.0%
International
3.5%
Basedefault
2.5%
Online
2.5%
Offline
2.5%

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹11,50,000
  • Annual fee₹3,25,000
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verifiedNot listed

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verifiedNot listed

Lounge Truth

  • NetworkAmex
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy checkNot listed

Reliability + Outcomes

  • Verification statuspending
  • Freshness daysNot listed
  • Source conflicts0
  • Applied reports0
  • Approval reports0

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Amex Platinum Travel

Annual fee: ₹5000

Shared focus: Travel, Premium+17 more lounge visits in current datasetEstimated +₹318,491/yr value
View Details

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for American Express Centurion (Black) Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

No spend-based lounge policy is listed in current card data.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Unlimited Centurion & Priority Pass Lounge Access (+ Guests)

Priority Pass

Unlimited Centurion & Priority Pass Lounge Access (+ Guests)

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Dedicated Relationship Manager & 24/7 Lifestyle Concierge
  • Hilton Honors Diamond & IHG Platinum Elite Status
  • Delta SkyMiles Platinum Medallion Status (Select Regions)
  • Unlimited Centurion & Priority Pass Lounge Access (+ Guests)
  • Airport Meet & Greet Services (Unlimited)

Things to Consider

  • Invite Only (Cannot Apply Directly)
  • Exorbitant Fees (₹11.5L Joining)
  • Reward Rate on Spend is comparable to cheaper cards

About American Express Centurion (Black) Card

American Express Centurion (Black) Card is a points card from Amex, best for ultra high net worth individuals (uhnti). It is tagged under premium, travel, international, lifestyle categories in our database.

PremiumTravelInternationalLifestyle

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Frequently asked questions

Is American Express Centurion (Black) Card lifetime free?

It has an annual fee of ₹325000. Invite Only - No Waiver

What rewards does American Express Centurion (Black) Card offer?

Unlimited Points, Bespoke Redemptions, Personal Concierge

Does American Express Centurion (Black) Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider American Express Centurion (Black) Card?

Ultra High Net Worth Individuals (UHNTI)

Where can I apply for American Express Centurion (Black) Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-24
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.