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American Express Platinum Travel Credit Card

Product Details
Credit Card Name : 

American Express Platinum Travel Credit Card

Bank Name :

American Express

Type :

Travel Credit Card

Interest Rate : 

Does not have a traditional interest rate

Eligibility :

The applicant must be over 18 years of age.
If self-employed, the applicant’s company must have been trading for more than 12 months.
The applicant must have a good credit history and no payment defaults.
The applicant must have a current residential address in India.
The applicant must have an Indian or multinational bank’s savings or current account in India.

American Express Platinum Travel Credit Card
Pros


  • Welcome Gift: 10,000 Membership Rewards points* redeemable for a Flipkart voucher or Pay with Points option in Amex Travel Online worth Rs. 3,000.

  • Milestone Benefits: Customers can get a travel voucher or a Flipkart voucher for every INR 4 Lacs spent in a Cardmembership year. 

  • Additional Benefit: Customers can get a Taj Experiences E-Gift Card worth Rs. 10,000 from the Taj, SeleQtions, and Vivanta Hotels

  • Travel Perks: Complimentary lounge access with 8 visits per year (max. 2 per quarter) at Indian airports, offering a comfortable airport experience.

  • Rewards: Earn 1 Membership Rewards Point for every2 Rs. 50 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale

  • Priority Pass Membership: Free access to over 1,300 lounges worldwide for authorized users, boosting travel convenience.

  • International Airline Program: Get access to lower fares for premium class ticket bookings, perfect for luxury travel enthusiasts.

Cons
  • High Annual Fee: The ₹58,000 annual fee can be a significant cost for casual travelers or those with limited income.

  • Limited Lounge Access: Compared to Platinum Charge Card, the lounge access is restricted to India and doesn't include international visits.

  • Membership Rewards Restrictions: MR points earned cannot be pooled with other Amex cards, limiting redemption options.

  • Lower Acceptance Rate: Amex cards may have limited acceptance at some merchants, especially smaller vendors.

  • Fuel Surcharge: A 2.3% surcharge applies to gas station purchases, making it less ideal for frequent drivers.

Pros & Cons
Welcome Benefits

Welcome Gift of 10,000 Membership Rewards points redeemable for Flipkart voucher or Pay with Points option in Amex Travel Online worth Rs. 3,000.

Rewards System
  • Earn 2 Membership Rewards points per Rs. 100 spent on flights and hotels booked through American Express Travel.

  • Earn 1 Membership Rewards point per Rs. 100 spent on all other purchases.

  • 1 RP = INR 0.50

  • Effective Cashback Rate: 1.5%

International Forex Markup

2% on all foreign currency transactions. 

Welcome Benefits and Reward System
Special Features

Get a Taj Experiences E-Gift Card worth Rs. 10,000 from the Taj, SeleQtions, and Vivanta Hotels. 

Eligibility Criteria

The applicant must be over 18 years of age.
If self-employed, the applicant’s company must have been trading for more than 12 months.
The applicant must have a good credit history and no payment defaults.
The applicant must have a current residential address in India.
The applicant must have an Indian or multinational bank’s savings or current account in India.

Benefits
  • Customers can earn rewards points on travel and hotel bookings. 

  • Priority Pass Select membership: Enjoy access to over 1,300 airport lounges worldwide.

  • 20% discount on dine-out. 


Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • The American Express Platinum Travel Credit Card has an annual fee of $695.

  • To apply, you must be at least 18 years old and have a good credit history. You can apply online or by phone.

  • The application process is relatively simple. You will need to provide your basic personal information, income, and employment information.

  • American Express will review your application and let you know if you are approved within a few days.

Contact Details

1800 419 2122

Account Opening and Procedure
American Express Platinum Travel Credit Card

The American Express Platinum Travel credit card is a good option for travellers with wanderlust and business travellers, despite having an annual fee that is a little more than average (Rs. 5,000 after the first year). In addition to its travel benefits, the card offers some shopping benefits, so it could be a good choice for someone who enjoys online shopping.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges

Annual Fee:

  • First year: Rs. 3,500 + applicable taxes

  • Second year onwards: Rs. 5,000 + applicable taxes

Other Fees:

  • Foreign currency markup: 2% on all foreign currency transactions (rounded up to the nearest INR 5).

  • Cash advance fee: 3.5% of the amount withdrawn, with a minimum of Rs. 250.

  • Late payment fee: Rs. 500 or 5% of the outstanding balance, whichever is higher.

Fuel Surcharge

2.3% fuel surcharge on gas station purchases, applicable to all transactions regardless of the amount spent.

Billing Cycle

30 Days

Fees & Charges
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