American Express Platinum Travel Credit Card
The American Express Platinum Travel Credit Card is a premium credit card from American Express, with a joining fee of ₹5,000 + GST.
Cardholders get 8 annual domestic + 0 annual international airport lounge access, plus 10,000 membership rewards points as a welcome benefit.
- Joining Fee₹5,000
- Annual Fee₹5,000
- Best Suited ForTravel
- Reward TypeMembership Rewards (points)
- Base rate 0.60%
- 10,000 Membership Rewards points
AmexplatinumpremiumRewards and Benefits
- ₹1,90,000 / annual: 7,500 Membership Rewards points (Platinum Travel Collection)
- ₹4,00,000 / annual: 10,000 Membership Rewards points
- ₹7,00,000 / annual: 22,500 Membership Rewards points + Taj Experiences E-Gift Card worth ₹10,000
- travel medical: ₹50,00,000
- Taj Epicure membership — Complimentary enrolment in Taj Epicure Plus programme.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.6% = ₹90/mo
- Groceries₹8,000 · 0.6% = ₹48/mo
- Dining & food delivery₹8,000 · 0.6% = ₹48/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.6% = ₹60/mo
- Utilities & bills₹5,000 · 0.0% = ₹0/mo
₹2,952 rewards − ₹5,000 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- premium card issued by American Express.
- Joining / annual fee of ₹5,000 + GST.
- Available on the American Express network.
- Complimentary airport lounge access: domestic (8/annual) + international (0/annual).
- Insurance cover bundled: travel medical.
Pros & Cons
- Complimentary international airport lounge access.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- High annual fee of ₹5,000.
- No annual-fee waiver option.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
₹3,000 welcome benefit
- 10,000 Membership Rewards pointsSpend ₹15,000 within 90 days (1st year, on fee payment)Window: 90 days from issuance.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- insurance premiums
- emi
- cash advance
- utilities
Milestone benefits
- ₹1,90,000 / annual: 7,500 Membership Rewards points (Platinum Travel Collection) (≈ ₹2,250 value)
- ₹4,00,000 / annual: 10,000 Membership Rewards points (≈ ₹3,000 value)
- ₹7,00,000 / annual: 22,500 Membership Rewards points + Taj Experiences E-Gift Card worth ₹10,000 (≈ ₹16,750 value)
Airport lounge access
Insurance benefits
- travel medical: ₹50,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Other benefits
- Taj Epicure membership. Complimentary enrolment in Taj Epicure Plus programme.
Sources
- : www.americanexpress.com · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 18–70
- Credit score
- 750+
- Income (salaried)
- ₹6,00,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.
Amex acceptance in India is narrower than Visa/Mastercard; factor into suitability.