u/AlternativeOffer4341

Now after applying, I started seeing a lot of negative reviews on Reddit 😅 so confused whether I should activate it or not.

My calculations:

• Annual fee effectively: ~₹11.8K (after referral)
• Getting 11K + 8K MR points
• Also thinking of buying 10K MR points from Amex for ~₹4K

So total spend becomes around ₹15.8K–16K and I’ll have around 29K MR points.

Plan is mostly to transfer points to Marriott Bonvoy.

Other benefits I see:

• Priority Pass with 2 lounge accesses per quarter
• Accor Plus / Taj benefits

Question is:
Is it worth keeping for just 1 year, using all benefits + MR points, and then closing/downgrading later?

At this fee point, cards like HDFC Infinia/DCB/ Travel one or Axis Atlas seem to give much better value from what I’m reading here.

People who already use Platinum Reserve:

• Is the first year worth it?
• How much real value did you extract?
• Any hidden/underrated benefits?
• Did you renew after year 1 or cancel/downgrade?

Would love honest feedback before activating 😅