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American Express Platinum Travel Credit Card

Joining Fee

₹5,000

Annual Fee

Rs. 5000 (Reversed on annual spends of Rs. 4 Lakhs)

American Express
Travel
Rewards
Best For: Frequent domestic travelers, Cardmembers who spend heavily and can hit Rs 4 lakh milestone, Taj Hotels enthusiasts

American Express Platinum Travel Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹40,000 /annually

0

Pros

  • Generous milestone bonuses with up to 40,000 bonus points annually
  • Taj Experiences E-Gift Card worth Rs 10,000 on reaching Rs 4 lakh spend
  • 8 complimentary airport lounge visits per year
  • Complimentary Priority Pass membership
  • Membership Rewards Points never expire as long as card is active

Cons

  • High annual fee of Rs 5,000 with no renewal waiver
  • Base earn rate is only 1 point per Rs 50 spent
  • Usage fee charged per lounge visit despite complimentary membership

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

No points earned on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale

No points on EMI options selected at merchant website or terminal

Lounge visits capped at 2 per quarter despite 8 annual quota

Priority Pass usage fee still applies per visit

Points forfeited within 30 days of card cancellation

Card currently issued only in select Indian cities

Key Benefits & Features

Zero Lost Card Liability and Contactless Payment support

Eligibility Criteria

Min. Annual Income

₹6.0 Lakhs

Age Requirement

18+ Years

Occupation

SALARIEDSELF_EMPLOYED

Notable Exclusions

No Membership Rewards Points on Cash TransactionsNo Membership Rewards Points on EMI conversion at Point of SaleEligible spends exclude cash advances, express cash transactions, drafts, balance transfers, and fees net of returnsNo Membership Rewards Points on Fuel spends (petrol, diesel, CNG from Oil Marketing Companies)No Membership Rewards Points on Insurance paymentsNo Membership Rewards Points on Utility payments (electricity, water, gas bills)

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About American Express Platinum Travel Credit Card

The American Express Platinum Travel Credit Card is designed for frequent domestic travelers who want to turn everyday spending into rewarding travel experiences. With a joining and annual fee of Rs. 5,000 plus applicable taxes, the card delivers strong value through a milestone-based rewards structure. Cardmembers earn 1 Membership Rewards Point for every Rs. 50 spent, excluding fuel, insurance, utilities, cash transactions, and point-of-sale EMI conversions. Points accrued on this card do not expire as long as the card remains active and in good standing. The card's milestone rewards are a standout feature. Spending Rs. 15,000 within the first 90 days earns a welcome gift of 10,000 Membership Rewards Points. Reaching Rs. 1.9 lakhs in annual spend unlocks 15,000 bonus points redeemable on the Platinum Travel Collection, while hitting Rs. 4 lakhs adds another 25,000 points along with a Taj Experiences E-Gift Card worth Rs. 10,000, valid at Taj, SeleQtions, and Vivanta Hotels. Beyond rewards, the card offers 8 complimentary airport lounge visits per year across India, limited to two per quarter, along with complimentary Priority Pass membership. Cardmembers also benefit from dining discounts at select restaurants, a fuel convenience fee waiver at HPCL, EMI payment options, zero lost card liability, and contactless payment capability, making it a well-rounded travel companion.

Expert Review

Our Verdict

Premium travel card with milestone bonuses, lounge access & Taj vouchers for frequent travelers.

Frequently Asked QuestionsAbout American Express Platinum Travel Credit Card

ELIGIBILITYWhat are the eligibility criteria for the American Express Platinum Travel Credit Card?
To apply, you must be over 18 years of age, hold an Indian or multinational bank's savings or current account in India, have a good credit history with no payment defaults, and have a personal annual income of Rs. 6 Lakhs or above (for both salaried and self-employed individuals). Self-employed applicants must have their company trading for more than 12 months. You must also have a permanent residential address in India and be a Resident Indian as defined under the Income Tax Act.
FEESWhat is the joining and annual fee for the American Express Platinum Travel Credit Card?
The American Express Platinum Travel Credit Card has a joining fee of Rs. 5,000 plus applicable taxes for the first year. From the second year onwards, the annual renewal fee is also Rs. 5,000 plus applicable taxes. Please note that there is no renewal fee waiver option available on this card, so the Rs. 5,000 annual fee applies every year regardless of your spending.
REWARDSHow do I earn Membership Rewards Points on the Platinum Travel Credit Card?
You earn 1 Membership Rewards Point for every Rs. 50 spent on eligible transactions. However, points are not earned on spending related to Fuel, Insurance, Utilities (electricity, water, and gas bills), Cash Transactions, and EMI conversions at Point of Sale. Points are also not earned on EMI options selected at a merchant's website or terminal. You will continue to earn points on EMI transactions through American Express SafeKey and on EMI conversions done post-purchase.
REWARDSWhat are the milestone bonuses available on this card?
The card offers three milestone bonuses: First, spend Rs. 15,000 within 90 days of card membership to receive a Welcome Gift of 10,000 Membership Rewards Points (first year only). Second, reach a spend of Rs. 1.9 Lakhs in a membership year to earn 15,000 bonus Membership Rewards Points redeemable on the Platinum Travel Collection. Third, reach Rs. 4 Lakhs in a membership year to earn an additional 25,000 bonus points plus a Taj Experiences E-Gift Card worth Rs. 10,000 from Taj, SeleQtions, and Vivanta Hotels.
REWARDSDo Membership Rewards Points expire on the Platinum Travel Credit Card?
From 3 May 2022, Membership Rewards Points accrued on the American Express Platinum Travel Credit Card will no longer expire as long as the card remains active and in good standing. However, in the event of card cancellation — whether initiated by the Cardmember or American Express — all accumulated Membership Rewards Points will be forfeited within 30 days of the cancellation date. It is advisable to redeem your points before closing the card.
BENEFITSWhat airport lounge benefits are available with this card?
The American Express Platinum Travel Credit Card offers 8 complimentary airport lounge visits per year across India, with a maximum of 2 complimentary visits per quarter. Additionally, you receive a complimentary Priority Pass membership with the US$99 annual membership fee waived exclusively for you. Please note that despite the complimentary membership, a usage fee is charged per visit at the prevailing retail rate. These lounge benefits are designed for domestic travel convenience.
BENEFITSWhat is the Taj Experiences E-Gift Card benefit and how can I avail it?
When you reach a total spend of Rs. 4 Lakhs in a Cardmembership year, you become eligible to receive a Taj Experiences E-Gift Card worth Rs. 10,000. This voucher can be used at Taj, SeleQtions, and Vivanta Hotels. The benefit is in addition to the 25,000 bonus Membership Rewards Points also awarded at the Rs. 4 Lakh milestone. Please refer to the Taj Stay Voucher Terms and Conditions on the American Express website for detailed usage guidelines.
BENEFITSWhat other offers and privileges come with the Platinum Travel Credit Card?
Beyond travel benefits, the card offers exciting dining discounts of up to 20% at select restaurants. You also benefit from a Fuel Convenience Fee Waiver at HPCL (0% convenience fee on fuel purchases below Rs. 5,000; 1% fee applies for transactions of Rs. 5,000 and above). Additional privileges include Zero Lost Card Liability, Platinum Services, Contactless Payment support, and the ability to convert large purchases into easy EMIs. Exclusive Amex Offers are also available periodically.
ELIGIBILITYIn which cities is the American Express Platinum Travel Credit Card currently issued?
American Express currently issues this card to residents of select cities in India, including Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodara, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum, and Mysuru. Applications from residents outside these cities may not be accepted at this time. It is recommended to check the American Express website for any updates to the list of eligible cities.
USAGEHow can I redeem my Membership Rewards Points earned on this card?
Membership Rewards Points earned on the American Express Platinum Travel Credit Card can be redeemed in multiple ways, including through the Platinum Travel Collection (for travel-related rewards), E-Vouchers, shopping with points, travel bookings, and paying card charges. Milestone bonus points (earned at Rs. 1.9 Lakhs and Rs. 4 Lakhs spend thresholds) are specifically redeemable on the Platinum Travel Collection. To claim Bonus Membership Rewards Points after reaching a milestone, you must call the number printed on the back of your card.
CANCELLATIONWhat happens to my Membership Rewards Points if I cancel the card?
If your American Express Platinum Travel Credit Card is cancelled — whether the cancellation is initiated by you or by American Express — all accumulated Membership Rewards Points will be forfeited within 30 days of the cancellation date. To avoid losing your points, it is strongly recommended that you redeem all your Membership Rewards Points before initiating a card closure request. You can redeem points for travel, e-vouchers, or other available options prior to cancellation.
INTERNATIONALDoes the American Express Platinum Travel Credit Card charge a foreign transaction or forex markup fee?
The American Express Platinum Travel Credit Card's forex markup fee details are not explicitly listed as a standard feature of the card. It is advisable to check the Schedule of Fees and Charges on the American Express India website or contact American Express customer service directly to get the most accurate and current information on foreign currency transaction fees before using this card for international purchases or travel abroad.
ELIGIBILITYWhat is the minimum income required to apply for this card?
To be eligible for the American Express Platinum Travel Credit Card, you must have a personal annual income of Rs. 6 Lakhs or above. This income requirement applies to both salaried and self-employed individuals. If you are self-employed, your company must also have been trading for more than 12 months. Meeting the minimum income requirement does not guarantee card approval, as American Express also considers credit history and other financial factors during the application process.
REWARDSWhat is the Welcome Gift offered on the Platinum Travel Credit Card?
New Cardmembers can earn a Welcome Gift of 10,000 Membership Rewards Points by spending Rs. 15,000 within the first 90 days of card membership. This Welcome Gift is available only in the first year and is contingent on payment of the annual fee. The 10,000 points are redeemable on the Platinum Travel Collection. Note that the Membership Rewards Points received on spend milestones are a combination of threshold Membership Rewards Points and Bonus Membership Rewards Points.
USAGECan I convert my purchases into EMI using this credit card?
Yes, the American Express Platinum Travel Credit Card allows you to split large purchases into easy Equated Monthly Instalments (EMI). However, please note that Membership Rewards Points are not earned on EMI options selected at a merchant's website (e.g., Amazon or Flipkart) or at a merchant's terminal (e.g., a Chip and PIN transaction at a retail store). You will continue to earn points on EMI transactions processed through American Express SafeKey and on EMI conversions done post-purchase.

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