American Express

American Express Platinum Travel Credit Card

Airport Lounge Access

Dining

Reward Points

MyBankingTips Rating

Joining Fee: ₹5000* Plus Applicable Taxes

Renewal Fee: ₹5000*Plus Applicable Taxes

Airport Lounge Access

Dining

Reward Points

MyBankingTips Rating

Joining Fee: ₹5000* + Tax

Renewal Fee: ₹5000* + Tax

Airport Lounge Access

Get 2 complimentary domestic lounge visits every calendar quarter at Indian airports.

Dining

Get up to 20% off at select premium restaurants via Amex Selects Dining Programme.

Reward Points

Earn 1 Membership RP per ₹50 spent (excl. fuel, insurance, utilities, cash); redeem for travel or 600+ options.

Welcome benefits:- You can earn 10,000 bonus Membership Rewards points as a welcome benefit by spending Rs. 15,000 within 90 days of card membership.

Check your eligibility For This Card

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About American Express Platinum Travel Credit Card

The American Express® Platinum Travel Credit Card is designed for people who travel often and spend big. Unlike many other travel cards, this one offers excellent milestone benefits, which can be unlocked once you spend between ₹1.9 lakh and ₹4 lakh in a year. This makes it a rewarding choice if you can consistently reach those spending levels.

The real question, however, is whether these benefits justify the annual fee of ₹5,000, especially when there are other travel cards available in the same fee range. Let’s take a closer look at what this card offers and whether it’s worth it.

American Express Platinum Travel Credit Card gives good value to travelers through reward points on daily spending and extra bonus points when you reach certain spending limits.

If you spend Rs. 4 lakh in a year, you will also get a Taj Hotel voucher worth Rs. 10,000 along with the bonus rewards. This is a big advantage because usually such hotel rewards are available only on expensive premium cards with much higher fees.

The welcome benefit on this card is also decent. While the value you get back and the joining fee are almost the same, the good part is that you can use the benefits in two ways – for shopping or for travel bookings, giving you good flexibility.

American Express Platinum Travel Credit Card Rewards Program

Reward Program and Milestone Benefits

With the American Express Platinum Travel Credit Card, cardholders can earn rewards on everyday spends and unlock exclusive milestone benefits.

Regular Rewards

1 Membership Rewards Point for every Rs. 50 spent
(except on fuel, insurance, utilities, cash transactions, and EMI conversions at POS).

Milestone Benefits

On Annual Spend of Rs. 1.90 Lakh

15,000 Membership Rewards Points
- Redeemable via Pay with Points option on the American Express® Travel Online platform
- Equivalent to Rs. 4,500
3,400 Regular Membership Rewards Points
- Redeemable for vouchers or travel benefits
- Equivalent to Rs. 1,020

Total Value Back: Rs. 5,520

On Annual Spend of Rs. 4 Lakh

25,000 Membership Rewards Points
- Redeemable via Pay with Points on the American Express® Travel Online platform
- Equivalent to Rs. 7,500
3,600 Regular Membership Rewards Points
- Redeemable for vouchers or travel benefits
- Equivalent to Rs. 1,080
Taj Stay Voucher worth Rs. 10,000
- Valid at Taj, SeleQtions, and Vivanta Hotels
- Voucher is mailed once the Rs. 4 Lakh spend threshold is reached

Total Value Back: Rs. 18,580

Other Features and Benefits

American Express® Platinum Travel Credit Card gives you travel perks through travel vouchers, lounge access, and a strong rewards program. It also offers extra benefits like bonus points and dining discounts.

Welcome Benefit – Worth Rs. 3,000

Get 10,000 Membership Rewards Points as a welcome gift.
To earn this, spend Rs. 15,000 within 90 days of getting the card.
These 10,000 points = Rs. 3,000 when redeemed through the Pay with Points option on American Express® Travel Online.

Travel Benefits

Airport Lounge Access: 8 free visits per year (maximum 2 per quarter) at airport lounges across India.
Complimentary Priority Pass Membership: The annual fee of US$99 is waived.
- Note: Cardmember/guest has to pay the usage fee as per the prevailing rate.

Other Benefits

Fuel Convenience Fee Waiver:
- 0% fee on fuel spends below Rs. 5,000 at HPCL petrol pumps.
- 1% fee on fuel spends of Rs. 5,000 and above at HPCL petrol pumps.
Dining Discounts
Up to 20% off at selected partner restaurants.

(Terms and conditions of American Express® Platinum Travel Credit Card apply.)

Fees and Charges

Type of Fee or Charge	Amount
Joining Fee	Rs. 3,500 + Applicable Taxes
Annual/ Renewal Fee	Rs. 5,000 + Applicable Taxes
Finance Charges	3.5% p.m.
Cash Advance Fee	3.5% (Minimum of Rs. 250)

Things to Know Before you apply

Get this card if:

You travel within India multiple times a year.
You like to get travel vouchers and hotel stay benefits.
You spend a lot and can collect many reward points.
You prefer using your reward points for travel-related benefits.
You don’t travel abroad very often.

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

Document Required For American Express Platinum Travel Credit Card

Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

American Express Platinum Travel Credit Card Hilights

What do we like about this card?

Welcome benefit of 10,000 Membership Reward Points (redeemable for travel vouchers).
Travel milestone benefits – Taj voucher worth ₹10,000 on annual spends of ₹4 Lakh.
Value-back on spends through Membership Reward Points.
Redeem points for flights, hotels, or shopping via Amex Travel portal.
Domestic travel-focused benefits, ideal for frequent Indian travelers.
Complimentary access to airport lounges in India.
Annual fee offset with milestone rewards and travel vouchers.
Additional rewards on reaching higher annual spending thresholds.

Pros

Welcome bonus points when you join.
Free travel vouchers after you spend a set amount.
Free airport lounge visits in India.
Reward points can be used for flights, hotels, or shopping.

Cons

Not much use for international travel.
You need to spend a lot to get the best rewards.
Best value only when used for travel, not for cash.
Annual fee of ₹5,000 + taxes.
Not accepted everywhere compared to Visa/Mastercard.

American Express Bank Credit Card Contact Details

Contact Address: American Express Banking Corp. Cyber City, Tower C, DLF Bldg. No. 8, Sector 25-A, DLF City Phase II, Gurgaon – 122002, Haryana, India
Helpline:1800 419 3646 (Toll-Free, India) +91 124 2801800 (International)
Simply SMS: Send AMEXHELP to 561616 for instant assistance

Frequently Asked Questions

Everything you need to know about this credit card

A. Not really. You do get free Priority Pass Membership for lounge access, but there’s a 3.5% forex fee on every international spend. If you travel abroad often, other cards with lower forex charges may be better.

A. No, there is no waiver on the joining or renewal fee. Instead, you can earn bonus reward points and Taj/SeleQtions/Vivanta hotel vouchers when you reach certain yearly spending limits.

A. No, the Membership Rewards Points never expire as long as your card is active. If you close your card, the points will be cancelled within 30 days.

A. Yes, you can convert purchases of ₹5,000 or more into EMIs. For offline purchases, ask the merchant before paying. For online purchases, just select the EMI option at checkout.

A. Yes, you can tap and pay for purchases under ₹5,000 without entering an OTP. Look for the contactless symbol on your card to confirm this feature.