American Express Platinum Travel Credit Card
Updated 15 Apr 2026Source-linked
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.
American Express Platinum Travel Credit Card
- Joining Fee₹3,500
- Annual Fee₹5,000
- Best Suited ForTravel
- Reward TypeMembership Rewards (points)
Rewards Rate
- Base rate 0.60%
Welcome Benefits
- 10,000 Membership Rewards points
AmexplatinumpremiumRewards and Benefits
Rewards Rate
Base 0.60% on other spends.
Reward Redemption
Redeem at ₹0.25 per unit.
Welcome Benefits
10,000 Membership Rewards points
Milestone Rewards
- ₹1,90,000 / annual: Travel vouchers worth ₹7,700
- ₹4,00,000 / annual: Travel vouchers worth ₹11,800 + Taj Experiences Gift Card worth ₹10,000
Domestic Lounge Access
8 visits each annual.
International Lounge Access
N/A
Travel
Travel insurance cover bundled (see Insurance section).
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
- travel medical: ₹50,00,000
Other Benefits
- Taj Epicure membership — Complimentary enrolment in Taj Epicure Plus programme.
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per monthly.
Cash Advance Charges
3.5% or ₹250 (whichever is higher)
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
Pros
- Complimentary international airport lounge access.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
- 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.
₹2,500 welcome benefit
- 10,000 Membership Rewards pointsSpend ₹15,000 within 90 daysWindow: 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: Travel vouchers worth ₹7,700 (≈ ₹7,700 value)
- ₹4,00,000 / annual: Travel vouchers worth ₹11,800 + Taj Experiences Gift Card worth ₹10,000 (≈ ₹21,800 value)
Airport lounge access
Domestic
8 visit(s) / annual. Via dreamfolks.
International
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 15 Apr 2026
Last verified 15 Apr 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.