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Last updated: 01-06-2026
American Express Platinum Travel Credit Card
American Express

American Express Platinum Travel Credit Card

"Amex's best travel card โ€” Taj Stay vouchers on spend milestones, 8 domestic lounge visits per year and Membership Rewards transferable to 12+ airline partners"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น3,500 + GST
๐Ÿ”„ Renewal Fee
โ‚น5,000 + GST
Waived: Verify current annual fee waiver condition on Amex India website; โ‚น7.5 lakh spend unlocks Taj Stay voucher worth โ‚น10,000 as milestone benefit
๐ŸŽฏ Best Suited For
Frequent domestic travellers who stay at Taj and IHCL hotels; those who can spend โ‚น1.9 lakh, โ‚น4 lakh and โ‚น7.5 lakh annually to unlock milestone benefits; Amex loyalists wanting travel-focused Membership Rewards
๐ŸŽ Reward Type
Membership Rewards Points (1 MRP = โ‚น0.40 to โ‚น1 on Amex Travel portal; transferable to 12+ airline and hotel partners; MRPs never expire)
๐ŸŽ‰ Welcome Benefit
Priority Pass membership (1 year complimentary) plus 8 domestic lounge visits per year (2 per quarter) via Amex domestic lounge programme; check current welcome offer on Amex India website
๐Ÿ’ฐ Reward Rate
1 Membership Rewards Point per โ‚น50 on all eligible retail spends (base rate); 5X on HPCL fuel (5 MRPs per โ‚น100); MRPs never expire; excludes insurance, utilities, EMI, cash
โœˆ๏ธ Lounge Access
8 complimentary domestic airport lounge visits per year (2 per quarter) at partner lounges across India; complimentary Priority Pass membership โ€” IMPORTANT: Priority Pass lounge access charges USD 35 per visit; international lounges via Priority Pass are NOT free
๐Ÿ’ฑ Forex Markup
3.5% on international transactions
โญ Rate this Card
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โœ… Pros
  • Milestone Taj Stay voucher worth โ‚น10,000 on โ‚น7.5L annual spend
  • Membership Rewards transferable to 12+ airline and hotel partners โ€” best in class
  • 8 domestic lounge visits per year
  • 20% off at select dining partners
  • MRPs never expire
  • EMI at 14% per annum โ€” very low
โŒ Cons
  • Priority Pass membership complimentary but lounge visits CHARGEABLE at USD 35 each โ€” not free international access
  • High forex markup 3.5%
  • Available only in select Indian cities
  • Base earning rate low (1 MRP per โ‚น50)
  • Milestones require very high spend (โ‚น7.5L for Taj voucher)
  • Amex acceptance lower than Visa and Mastercard at offline merchants

๐ŸŽ Rewards & Benefits

Reward Type
Membership Rewards Points (1 MRP = โ‚น0.40 to โ‚น1 on Amex Travel portal; transferable to 12+ airline and hotel partners; MRPs never expire)
Welcome Benefits
Priority Pass membership (1 year complimentary) plus 8 domestic lounge visits per year (2 per quarter) via Amex domestic lounge programme; check current welcome offer on Amex India website
Reward Rate
1 Membership Rewards Point per โ‚น50 on all eligible retail spends (base rate); 5X on HPCL fuel (5 MRPs per โ‚น100); MRPs never expire; excludes insurance, utilities, EMI, cash
Reward Redemption
Amex Travel portal: flights and hotels; airline partner transfer (Air India, Singapore Airlines, British Airways Avios, Turkish Airlines and more); Taj, Marriott, Hilton, IHG hotel points; statement credit; merchandise
Fuel Surcharge Waiver
0% convenience fee at HPCL on transactions below โ‚น5,000; 1% fee on HPCL transactions โ‚น5,000 and above
Lounge Access
8 complimentary domestic airport lounge visits per year (2 per quarter) at partner lounges across India; complimentary Priority Pass membership โ€” IMPORTANT: Priority Pass lounge access charges USD 35 per visit; international lounges via Priority Pass are NOT free
Spend Based Fee Waiver
Verify current fee waiver condition on Amex India website
Milestone Benefits
โ‚น1.9 lakh annual spend: IndiGo voucher OR 10,000 bonus MRPs; โ‚น4 lakh spend: Taj or ITC or Oberoi hotel voucher OR 20,000 bonus MRPs; โ‚น7.5 lakh spend: Taj Stay voucher worth โ‚น10,000 OR 30,000 bonus MRPs; total potential milestone value โ‚น15,000+ in vouchers or โ‚น60,000 bonus MRPs
Other Benefits
Up to 20% discount at select Amex partner restaurants; Amex Offers at 100+ partners; 24x7 concierge via Platinum Travel Lifestyle Services (1800-419-1255); global emergency card replacement; Amex SAFEGUARDS zero liability

โœจ Special Perks & Exclusive Offers

Memberships
Priority Pass (complimentary membership; lounge visits chargeable at USD 35 each)
Insurance Cover
Zero liability on immediate reporting; travel insurance covers (check Amex terms)
Add-on Cards
Up to 2 add-on cards at no fee; subsequent at โ‚น1,500 each
Concierge Services
Platinum Travel Lifestyle Services: 1800-419-1255 โ€” travel booking, dining reservations, gift sourcing
Special Offers
Milestone Taj Stay voucher โ‚น10,000 on โ‚น7.5L spend; Priority Pass membership; 8 domestic lounge visits; airline partner miles transfer

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น3,500 + GST
Annual Fee / Renewal Fee
โ‚น5,000 + GST
โœ“ Waived on: Verify current annual fee waiver condition on Amex India website; โ‚น7.5 lakh spend unlocks Taj Stay voucher worth โ‚น10,000 as milestone benefit
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.5% per month (42% per annum) standard; 1.17% per month (14% per annum) for EMI conversion
ATM Cash Withdrawal / Cash Advance
3.5% of withdrawn amount, minimum โ‚น250
Late Payment Charges
As per Amex prevailing slab
Over Limit Charges
As per Amex policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
3.5% on international transactions
Other Charges
Priority Pass membership complimentary but lounge visits chargeable at USD 35 each โ€” international lounges are NOT free; available only in select Indian cities; verify current domestic lounge access terms

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 18+ years; net annual income โ‚น6 lakh or more; Indian resident; good credit history; resident of eligible Amex city
Credit Score Requirement
730+ CIBIL recommended
Credit Limit
Based on income and Amex credit assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
EMI at 14% per annum on transactions above โ‚น5,000; flexible tenures
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per Amex prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via Amex app or helpline
Instant Fraud Alerts
Real-time alerts via Amex app
Purchase Protection
Zero liability on immediate reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on immediate reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1800-419-1255 (Platinum Travel Lifestyle); helpline on card back (24x7)
Chat / Email Support
Amex India app and website chat
Mobile App
American Express India app: manage card, track MRPs, pay bills, milestone tracking
Online Banking
Amex Online Account Services: statements, payments, redemption

Last updated: 01-06-2026

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โš”๏ธ How does American Express Platinum Travel Credit Card compare?

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Fee โ‚น5,000 (renewal) vs โ‚น5,000 + GST
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Forex 3.5% on internationalโ€ฆ vs 2% + GSTโ€ฆ
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Printed: 23 Oct 2026, 09:31 PM
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