American Express Platinum Travel Credit Card

Name: American Express Platinum Travel Credit Card
Brand: American Express
Price: 5000 INR
Availability: InStock
Rating: 3.5 (1 reviews)

Overview

American Express positions the Platinum Travel Credit Card as its mid-tier travel rewards offering in India. You earn 1 Membership Rewards point for every ₹50 spent across most categories, with fuel, insurance, utilities, cash advances, and EMI conversions at point of sale excluded. The Reward Multiplier program gives you 3X points when shopping through 50+ partner brands including Apple, Nykaa, Tanishq, Flipkart, and MakeMyTrip.Two spending milestones drive the card's value proposition. Hit ₹1.9 lakh in annual spend and you earn 15,000 bonus Membership Rewards points redeemable through the Platinum Travel Collection. Reach ₹4 lakh and you unlock an additional 25,000 bonus points plus a Taj Experiences E-Gift Card worth ₹10,000 valid at Taj, SeleQtions, and Vivanta Hotels. Combined with the 10,000 point welcome gift (on ₹15,000 spend in 90 days), a high spender can accumulate over 48,000 bonus points in the first year.Lounge access cove₹8 complimentary domestic visits per year, limited to 2 per quarter. Amex also waives the $99 Priority Pass membership fee, giving access to 1,300+ international lounges, though each visit carries a usage fee for the cardmember and guests. Points redemptions through the Platinum Travel Collection provide above-average value: 12,500 points convert to ₹5,000 in Taj vouchers, and 20,000 points get you ₹6,000 in Air India vouchers or ₹10,000 in Postcard Hotels vouchers.The card charges ₹5,000 plus applicable taxes as both joining and annual fee, with no spend-based waiver. You need a minimum annual income of ₹6 lakh and permanent Indian residency. Amex currently issues this card in 19 cities including Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, and Hyderabad. Membership Rewards points never expire as long as your card remains active and in good standing.

Pros

↑Up to 40,000 bonus MR points per year plus a ₹10,000 Taj voucher at ₹4 lakh spend, delivering strong travel value for the ₹5,000 fee
↑Platinum Travel Collection gives above-average point value with Taj at ₹0.40 per point and Postcard Hotels at ₹0.50 per point
↑MR points never expire while the card is active, and the Reward Multiplier earns 3X points at 50+ major brands like Apple and Flipkart

Cons

↓₹5,000 annual fee with no spend-based waiver means you pay the full fee every year regardless of usage
↓American Express acceptance in India is more limited than Visa or Mastercard, especially at smaller merchants and tier-2 city shops
↓Priority Pass lounge visits carry a usage fee per visit, and fuel benefits are restricted to HPCL stations only

Key Highlights

Welcome Offer
10,000 MR points on ₹15K spend in 90 days
Welcome gift of 10,000 Membership Rewards points
Spend ₹15,000 within 90 days of card membership
Available only in the first year on payment of joining fee
Points redeemable on Platinum Travel Collection

Reward Rate
Up to 40,000 bonus MR points per year
15,000 bonus points at ₹1.9 lakh annual spend
Additional 25,000 bonus points at ₹4 lakh annual spend
Plus Taj E-Gift Card worth ₹10,000 at ₹4L milestone
Bonus points redeemable via Platinum Travel Collection

Minimum Salary
₹6 lakh annual income required
Age: 18+ years for primary cardholder
Both salaried and self-employed eligible
Self-employed: business trading 12+ months
Available in 19 cities across India

Joining Fee
₹5,000 + taxes (joining and annual)
First year fee: ₹5,000 plus applicable taxes
Renewal fee: ₹5,000 plus applicable taxes
No spend-based annual fee waiver available
Supplementary card: ₹1,500 plus taxes

Annual Fee
₹5,000 + taxes (no spend-based waiver)
Annual fee charged every year regardless of spend
No waiver condition linked to spending thresholds
Joining fee also ₹5,000 plus applicable taxes
GST charged on all fees as applicable

Why Choose?
8 domestic lounge visits and Priority Pass
8 complimentary domestic lounge visits (2 per quarter)
Priority Pass membership with $99 fee waived
International lounge visits carry usage fee
Only primary cardholder eligible for domestic visits

Key Benefits

Dining

★3.0

▼

Up to 20% discount at select partner restaurants
No accelerated MR point earn rate on dining transactions
Standard 1 MR point per ₹50 applies to restaurant spends
Amex Offers Hub includes additional dining merchant deals
Limited restaurant partner network compared to Visa/Mastercard cards

Fuel

★2.5

▼

Zero convenience fee on HPCL fuel transactions below ₹5,000
1% convenience fee for HPCL transactions of ₹5,000 and above
Benefit limited to HPCL petrol pumps only
No MR points earned on fuel purchases from Oil Marketing Companies
No fuel surcharge waiver at other fuel station brands

Lifestyle

★3.0

▼

Amex Offers Hub with savings on stays, dining, shopping, healthcare
Partner brands include Tata CLiQ, MakeMyTrip, Postcard Hotels
Zero Lost Card Liability when reported within 3 working days
24x7 customer care and emergency card replacement worldwide
Contactless payments for transactions up to ₹5,000

Milestone

★4.0

▼

10,000 MR points welcome gift on ₹15,000 spend in 90 days
15,000 bonus points at ₹1.9 lakh annual spend milestone
25,000 bonus points plus ₹10,000 Taj voucher at ₹4 lakh milestone
Total 40,000 bonus points possible per card year
Milestone spend excludes cash advances, balance transfers, and fees

Reward Points

★4.0

▼

1 MR point per ₹50 spent on eligible categories
Points never expire while card is active and in good standing
Reward Multiplier: 3X points on 50+ brands (Apple, Flipkart, MakeMyTrip)
Platinum Travel Collection gives ₹0.40 to ₹0.50 per point on travel vouchers
Transfer to airline and hotel loyalty programs also available

Shopping

★3.0

▼

3X MR points on 50+ brands through Reward Multiplier portal
Partner brands include Apple, Nykaa, Tanishq, Flipkart, MakeMyTrip
Standard 1 MR per ₹50 on all other shopping spend
INSTA vouchers from 100+ brands for point redemption
EMI conversion available on eligible purchases

Travel

★4.0

▼

8 complimentary domestic airport lounge visits per year (2 per quarter)
Priority Pass membership with $99 annual fee waived
Platinum Travel Collection: Air India, Taj Hotels, Postcard Hotels vouchers
Taj Experiences E-Gift Card worth ₹10,000 at ₹4 lakh milestone
International lounge visits through Priority Pass carry a usage fee

Airport Lounge Access

▼

8 complimentary domestic lounge visits per year (2 per quarter)
Complimentary Priority Pass membership ($99 fee waived)
Access to 1,300+ international lounges via Priority Pass
International and guest visits carry a usage fee at prevailing rates
Only primary cardholder eligible for complimentary domestic visits

Detailed Information

Joining Fee	₹5,000 + applicable taxes
Annual Fee	₹5,000 + applicable taxes
Annual Fee Waiver	No standard spend-based waiver condition
Monthly Percentage Rate	3.49%
Annual Percentage Rate	41.88%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.5% + applicable taxes
Late Payment Charges	Up to ₹1,300 based on outstanding balance
Overlimit Charges	2.5% of overlimit amount (min ₹500)
Cash Advance Fee	3.5% of amount (min ₹250), domestic ATM withdrawals paused since January 2022
Balance Transfer Fee	Not available on this card
Fee For Supplementary Card	₹1,500 + applicable taxes
Card Replacement Fee	₹100
Fee For Duplicate Statement	₹100 per statement
Fee For Cheque Bounce	₹500

Age Requirement Salaried	18+ years
Age Requirement Self Employed	18+ years (business trading 12+ months)
Minimum Annual Income Salaried	₹6 lakh per annum
Minimum Annual Income Self Employed	₹6 lakh per annum
Minimum Credit Score	Good credit history required (no specific CIBIL score stated)

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport Voter ID
Address Proof	Aadhaar Card Passport Utility Bill (recent) Bank Statement
Income Proof Salaried	Latest 3 months salary slips Latest 3 months bank statement Form 16 or ITR
Income Proof Self Employed	Latest 2 years ITR Latest 6 months bank statement Business proof documents Company trading for 12+ months

Frequently Asked Questions

The annual fee is ₹5,000 plus applicable taxes. The same amount applies as a joining fee in the first year. There is no spend-based condition for getting the annual fee waived.

You earn 1 Membership Rewards point for every ₹50 spent on the card. Points are not earned on fuel, insurance, utility payments, cash transactions, or EMI conversions at point of sale. Points never expire as long as the card remains active and in good standing.

You receive 10,000 Membership Rewards points when you spend ₹15,000 within 90 days of getting the card. This benefit is available only in the first year and requires payment of the joining fee.

There are two milestones per card membership year. Spend ₹1.9 lakh to earn 15,000 bonus Membership Rewards points. Spend ₹4 lakh to earn an additional 25,000 bonus points plus a Taj Experiences E-Gift Card worth ₹10,000.

Point value varies by redemption method. On the Platinum Travel Collection, 12,500 points equal ₹5,000 in Taj vouchers (₹0.40 per point). For Air India, 20,000 points equal ₹6,000 (₹0.30 per point). Postcard Hotels give ₹10,000 for 20,000 points (₹0.50 per point).

No. Since May 2022, MR points on this card do not expire as long as the card remains active and in good standing. If the card is cancelled by either you or Amex, points get forfeited within 30 days of cancellation.

You get 8 complimentary domestic airport lounge visits per year, limited to 2 visits per quarter. International lounge access is available through the complimentary Priority Pass membership, though each visit carries a usage fee.

Yes. The card includes a complimentary Priority Pass membership with the annual $99 fee waived. However, each lounge visit carries a usage fee charged at the prevailing retail rate for both the cardmember and any accompanying guests.

Reward Multiplier lets you earn 3X Membership Rewards points when shopping through 50+ partner brands like Apple, Nykaa, Tanishq, Flipkart, and MakeMyTrip. You need to access these brands through the Amex Reward Multiplier portal to earn the bonus points.

The Platinum Travel Collection currently includes Air India (20,000 points for ₹6,000 voucher or 40,000 for ₹12,000), Taj Hotels (12,500 points for ₹5,000 or 25,000 for ₹10,000), and The Postcard Hotels (20,000 points for ₹10,000). These give higher redemption value than standard voucher options.

Spend ₹4 lakh in your card membership year to receive a Taj Experiences E-Gift Card worth ₹10,000. This voucher is valid at Taj, SeleQtions, and Vivanta Hotels. The spend threshold excludes cash advances, balance transfers, and fees.

You get 0% convenience fee on fuel purchases at HPCL for transactions below ₹5,000. For HPCL transactions of ₹5,000 and above, a 1% convenience fee applies. This benefit is limited to HPCL stations only, and no MR points are earned on fuel purchases.

You do not earn points on fuel purchases from Oil Marketing Companies, insurance payments, utility bills (electricity, water, gas), cash transactions, and EMI conversions done at the point of sale. EMI conversions done post-purchase through Amex SafeKey do earn points.

You need a personal annual income of ₹6 lakh or above, whether salaried or self-employed. Self-employed applicants must have a business that has been trading for more than 12 months.

Amex currently issues this card in Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodara, Lucknow, Ludhiana, Nagpur, Nashik, Trivandrum, and Mysuru.

You must be over 18 years of age to apply. You also need an Indian or multinational bank savings or current account in India, a good credit history, and a permanent residential address in India.

Yes. You can convert eligible purchases to EMI through the Amex app or by calling customer care. Note that you will not earn MR points on EMI conversions done at the merchant's terminal, but you do earn points on EMI done through Amex SafeKey and post-purchase conversions.

Yes. The card supports contactless tap-and-pay for transactions up to ₹5,000 without entering a PIN. All contactless transactions carry the same fraud protection and earn Membership Rewards points.

International transactions carry a markup of 3.5% plus applicable taxes on the transaction amount. This applies to all purchases made in a foreign currency.

A supplementary (add-on) card costs ₹1,500 plus applicable taxes per year. The supplementary cardholder's spending contributes to the primary cardholder's milestone targets and MR point accumulation.

You can redeem through the Amex app or online account. Options include the Platinum Travel Collection (Air India, Taj, Postcard Hotels), INSTA vouchers from 100+ brands like Amazon and Myntra, transfer to airline and hotel loyalty programs, or paying card charges directly with points.

If you report card loss within 3 working days, your liability for unauthorized transactions is zero. If reported after 3 days, your maximum liability is ₹1,000. Contact Amex customer care immediately to report any unauthorized use.

This card runs on the American Express network. It is accepted at merchants displaying the Amex logo. Acceptance in India is more limited than Visa or Mastercard, but covers most large retailers, hotels, airlines, and major online merchants.

Yes. You can transfer MR points to leading airline and hotel loyalty programs through the Membership Rewards portal. Transfer ratios and partner programs vary, so check the Amex website or app for current transfer options and rates.

Yes. Amex provides 24x7 customer care and emergency card replacement anywhere in the world. If your card is lost, stolen, or damaged, call the helpline number on your statement for immediate assistance.

Overview

Pros

Cons

Key Highlights

Key Benefits

Detailed Information

Frequently Asked Questions

Related Products

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Cons