What is the annual fee for American Express Platinum Travel Credit Card?

The annual fee for American Express Platinum Travel Credit Card is ₹5,000.

What is the joining fee for American Express Platinum Travel Credit Card?

The one-time joining fee for American Express Platinum Travel Credit Card is ₹5,000.

What are the rewards and benefits of American Express Platinum Travel Credit Card?

American Express Platinum Travel Credit Card earns points rewards. Reward rate ranges from 2% to 2%. You earn 2 points per ₹100 spent.

What lounge access benefits does American Express Platinum Travel Credit Card provide?

American Express Platinum Travel Credit Card provides 2 domestic lounge visits per quarter and 2 international lounge visits per year.

What is the eligibility criteria for American Express Platinum Travel Credit Card?

To be eligible for American Express Platinum Travel Credit Card, you need a minimum monthly income of ₹50,000.

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American Express

American Express Platinum Travel Credit Card

Name: American Express Platinum Travel Credit Card
Brand: American Express
Price: 5000 INR
Availability: InStock

The American Express Platinum Travel Credit Card is AmEx's mid-premium travel card built around milestone-driven rewards.

Premium

CardCheck ScoreGood

Top Category Performance

Premium Privileges (88/100)

Best for: AmEx's milestone-based travel card — Taj Hotel vouchers + lounge access

Joining Fee

₹5,000

Annual Fee

₹5,000

Reward Rate (%)

Forex Markup

3.5%

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(0)

Your Rating

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CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

GoodScore / 100

Reward Power

24/35

Fee Value & ROI

18/25

Lounge & Perks

18/20

Forex & Access

8/20

Category Strengths Breakdown

Ranked by strongest spend category

Premium Privileges

88/100

Travel & Lounge

82/100

Online Shopping

72/100

Dining & Food

70/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

American Express Platinum Travel Credit Card Benefits

1 Membership Rewards Point per ₹50 on eligible spends

10,000 welcome Membership Rewards Points on ₹15,000 spends within 90 days

7,500 bonus MR Points on ₹1.9 lakh annual spends

10,000 bonus MR Points + ₹10,000 Taj voucher on ₹4 lakh annual spends

3X Membership Rewards Points via Reward Multiplier partner brands

8 complimentary domestic airport lounge visits yearly (max 2/quarter)

Complimentary Priority Pass membership (visits chargeable)

1:1 Marriott Bonvoy transfer ratio for points redemption

American Express Platinum Travel Credit Card Rewards

How you earn back on every swipe

points

Reward type

Earn rate

Points / ₹100

₹0.5

Per point

American Express Platinum Travel Credit Card Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹5,000

Annual fee₹5,000

Interest-free period48 days

Interest rate (APR)42% – 47.88%

Late payment fee (max)₹1,000

Cash advance fee3.5% (min ₹250)

Forex markup3.5%

Fuel surcharge waiverYes

American Express Platinum Travel Credit Card Lounge Access

Airport perks included with this card

2 per quarter

Domestic lounge visits

2 per year

International lounge visits

Priority Pass

Included with this card

Things to Keep in Mind

fuel
insurance
utilities
cash transactions
EMI conversion at point of sale
cash advances
balance transfer
fees

Card Features

Metal Card

Contactless

UPI Linked

Annual Fee: ₹5,000

This card carries a fixed annual fee of ₹5,000. At ~2% estimated return, spending approximately ₹20,833/mo earns enough rewards to fully offset the annual fee.

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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American Express Platinum Travel Credit Card Eligibility

Age18+ yrs – 65

Min. income₹50,000/month

CIBIL score720+

Employment type

SalariedSelf employed

Pros & Cons

Pros

One of the best milestone-based travel cards in India
Excellent rewards at ₹4 lakh annual spend milestone
Marriott Bonvoy transfers provide strong redemption value
Taj voucher significantly boosts effective reward rate
Strong travel rewards despite moderate annual fee
Good domestic lounge access benefits
Excellent Amex customer service and offers ecosystem
Reward Multiplier boosts returns on popular online brands

Cons

No annual fee waiver option
Best value heavily depends on milestone optimization
International lounge access is not complimentary despite Priority Pass membership
Acceptance is lower than Visa/Mastercard at some merchants
Forex markup is relatively high for international spending
Rewards excluded on fuel, utilities, insurance & wallet categories
Not ideal for users preferring simple cashback rewards

Who is this card for?

Travellers who value hotel stays and want to earn premium milestone benefits. Best for those spending ₹30,000–₹70,000/month who stay at Taj Hotels or want to accumulate MR Points for premium airline mile transfers.