American Express® Platinum Travel Credit Card: Good for High-spenders, Low Reward Rate

American Express® Platinum Travel Credit Card is a suitable choice for travelers. Unlike most travel-centric cards, this one stands out due to its milestone benefits. The best benefits on the card can be utilized on spending Rs. 1.9 Lakh to up to Rs. 7 Lakh in a year. Thus, you get the maximum return by putting the maximum spends on the card. But does the card justify the annual fee of Rs. 5,000, beating other travel cards in a similar fee range? Read on to find out.

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American Express® Platinum Travel Credit Card: ★★★

Travel Benefits	★★★★
Rewards Program	★★★
Lifestyle Benefits	★★★

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Note: Currently, American Express is not accepting new card applications. Content on this page is for information only.

Video: American Express® Platinum Travel Credit Card Review

Note: All information in the video is sourced from the issuer’s website as of April 2025.

American Express® Platinum Travel Credit Card: Features & Benefits

American Express® Platinum Travel Credit Card offers travel benefits mainly in the form of travel vouchers and lounge access. The card also has a good reward rate and provides other benefits like bonus points, dining discount and more. Here are some of the key benefits of this card:

Welcome Benefit worth Rs. 3,000

You can earn 10,000 bonus Membership Rewards points as a welcome benefit by spending Rs. 15,000 within 90 days of card membership.
The 10,000 Membership Rewards Points are redeemable for Pay with Points option in American Express® Travel Online platform worth Rs. 3,000.

Travel Benefits

As the name suggests, this credit card not only comes with decent milestone benefits but also offers reasonable travel benefits, which are mentioned below:

Lounge Access: 8 complimentary visits per year (Max. 2 visits per quarter) to airport lounges across India
Complimentary Membership: Complimentary Priority Pass Membership, with the US$99 annual membership fee waived off*

*Cardmember/ accompanied guest has to pay a usage fee. Usage fee is charged as per the prevailing retail rate.

Also read: Best Travel Credit Cards in India

Reward Program and Milestone Benefits

Cardholders will earn 1 Membership Rewards Point for every Rs. 50 spent except for spend on fuel, insurance, utilities, cash transactions and EMI conversion at the point of sale. In addition to this, users will also earn bonus points on reaching spending milestones.

Benefits on Reaching Annual Spending Milestone of Rs. 1.90 Lakh

7,500 bonus Membership Rewards Points that redeemable via Platinum Travel Collection

Benefits on Annual Spending Milestone of Rs. 4 Lakh

10,000 bonus Membership Rewards Points that redeemable via Platinum Travel Collection

Benefits on Annual Spending Milestone of Rs. 7 Lakh

22,500 bonus Membership Rewards Points that redeemable via Platinum Travel Collection
Taj Experiences E-Gift Card worth Rs. 10,000 from Taj, SeleQtions and Vivanta Hotels³

Other Benefits

Some other American Express® Platinum Travel Credit Card benefits are mentioned below:

Fuel Convenience Fee Waiver:

0% convenience fee on fuel purchases less than Rs. 5,000 at HPCL Petrol Pumps
1% convenience fee on fuel purchases of Rs. 5,000 and above at HPCL Petrol Pumps

Dining Discount: Up to 20% off on dining at selected restaurants. This is applicable only on partnered restaurants.

American Express® Platinum Travel Credit Card Terms & Conditions

Should you apply for American Express® Platinum Travel Credit Card?

The travel benefits on American Express® Platinum Travel Credit Card come in the form of complimentary lounge access and Membership Rewards Points that are redeemable for travel bookings on the American Express® Travel Online Platform.

You should consider getting this card if:

You travel to domestic locations several times in a year
You wish to get travel benefits in the form of vouchers
You are a high spender and can accumulate substantial rewards
You prefer redeeming your rewards for travel benefits
You hardly go on international trips

American Express® Platinum Travel Credit Card: Fees & Charges

Below mentioned are the associated fees and charges for American Express® Platinum Travel Credit Card:

Type of Fee or Charge	Amount
Joining Fee	Rs. 5,000 + 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)

To read about all the fees and charges in detail, click here .

American Express® Platinum Travel Credit Card: Eligibility & Documentation

To be eligible for American Express® Platinum Travel Credit Card, the applicant must be an Indian resident, have a good credit history with no defaults. Apart from this, applicants also need to fulfill the below-mentioned eligibility criteria:

Criteria	Details
Account Requirement	Savings or current account at an Indian or multinational bank
Minimum Age Requirement	18 years
Occupation	Salaried or Self-employed
Minimum Income Requirement	Rs. 6 lakh p.a.
Serviceable Cities	Click here to view the list

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How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

FAQs

Is American Express® Platinum Travel Credit Card suitable for international travel?

In terms of lounge access, yes, this credit card comes with complimentary Priority Pass Membership. But in terms of foreign currency transactions, this is not the right option as it comes with a forex markup fee of 3.5% of the transacted amount. If you are looking for a card with a low forex markup fee, you should look for other credit cards as well.

What is the validity of rewards points earned via American Express® Platinum Travel Credit Card?

American Express® Platinum Travel Credit Card lets you earn Membership Rewards Points on your transactions, which never expire. You can redeem the reward points earned via this credit card till the card is active. However, in case of any card cancellation, the reward points will get forfeited within 30 days of the cancellation.

Can I convert my American Express® Platinum Travel Credit Card purchases into EMI?

Yes, you can convert your purchases of Rs. 5,000 or above into easy EMIs. For offline transactions, you can ask the merchant for the EMI option at the point of sale before making the purchase. To avail this option on online purchases, you can select the EMI option while checking out.

Does American Express® Platinum Travel Credit Card allow contactless payment?

Yes, you can tap and pay through this credit card without entering any OTP. However, this option is available only on your purchases below Rs. 5,000. All you need to do is touch your card at the POS machine to make a transaction. Also, to check whether your card has this feature or not, you can look for contactless symbol at the front or back of your card.