Amex • Amex

American Express Centurion (Black Card)

Name: American Express Centurion (Black Card)
Brand: Amex
SKU: amex-centurion-black
Price: 300000 INR
Availability: InStock

Ultra-premium, invitation-only charge card positioned for high-net-worth global travel and concierge usage.

Annual Fee₹300000Invite-only product with no public waiver path

Base Reward2.0%On all spends

Lounge AccessNoNo lounge access listed

Est. Annual Savings₹-295,556Based on ₹4.8L annual spend

No Complimentary Lounge Access

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

Monthly spend

₹30,000 / mo

₹3,60,000 / year

Estimated rewards₹7,200

Assumes base reward rate only.

Annual fee₹3,00,000

Invite-only product with no public waiver path

Net value₹2,92,800

Estimated cost after fees.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel

4.0%

Lifestyle

3.0%

International

3.0%

Basedefault

2.0%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

American Express Centurion (Black Card) is best positioned as a travel + lifestyle specialist rather than a universal all-spend card.
Its current reward model is anchored around 4.0% on travel-aligned lanes, while broad base return remains closer to 2.0%.
No mapped complimentary lounge footprint currently contributes to card value, so spend economics are the primary decision factor.

Best Utilization

Route this card to travel and lifestyle spends first, then shift spillover transactions to stronger category alternatives.
Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
Maintain break-even discipline against the annual fee of INR 300,000 and reduce allocation if annual net value weakens.

Watchouts

points-value realization depends on redemption choice and transfer use
No complimentary lounge access is currently mapped for this card.
Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

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

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Offer Truth

Joining fee₹5,00,000
Annual fee₹3,00,000
Waiver thresholdNot listed
Cap typenone
Cap resetnone
Last verified2026-02-12

Redemption Truth

Cash value/point₹0.4
Travel value/point₹0.4
Transfer partners0
Min redemptionNot listed
Expiry policyNot listed
Last verified2026-02-12

Lounge Truth

NetworkAmex
Domestic count0
International count0
Quarterly limitNot listed
Airport-terminal rows0
Policy check2026-02-10

Reliability + Outcomes

Verification statusverified
Freshness days1
Source conflicts0
Applied reports4
Approval reports2

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 +₹292,677/yr value

View Details

Step 2

Amex SmartEarn

Annual fee: ₹495

Shared focus: LifestyleHigher top earn rate (5.0%)Estimated +₹296,756/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.

Your current spend (period)Set threshold manually

₹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

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

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.

Estimated annual points

20,000

Estimated points20,000per year

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Estimated redemption value₹8,000@ ₹0.40 / point

Typical voucher/cash-like path

Voucher / statement-style value

Illustration only. Final value depends on issuer program terms, partner ratios, and redemption availability at time of use.

Key Benefits

Invitation-only card issued at issuer discretion
Premium concierge and global travel servicing ecosystem
High-end hotel, dining and lifestyle privileges through partner programs
Membership Rewards-led premium redemption pathways

Things to Consider

Not publicly open for online application
Very high initiation and annual fee costs
Value depends heavily on premium benefit utilization

About American Express Centurion (Black Card)

American Express Centurion (Black Card) is a points card from Amex, best for ultra-high spend users focused on premium travel and concierge access. It is tagged under premium, travel, lifestyle, international, rewards categories in our database.

PremiumTravelLifestyleInternationalRewards