American Express
American Express Platinum Travel Credit Card
Your rating
Community rating
Joining Fee
₹5,000
Annual Fee
₹5,000
Reward Rate
2%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
2%
Earn rate
2
Points / ₹100
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.
Travel & Lounge Access
Airport perks included with this card
2 per quarter
Domestic 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
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Pros & Cons
- 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
- 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.
Quick Links
Data last updated 24 Mar 2026