American Express Platinum Travel Credit Card
American Express
last updated: Nov 14, 2025
₹5,000
₹3,500
3.5%
8 visits/yr
Contents
The American Express Platinum Travel Credit Card is designed for avid travelers looking to maximize rewards on travel spends. It offers accelerated Membership Rewards points, milestone bonuses, and complimentary access to domestic airport lounges. Cardholders also enjoy a range of premium benefits including Taj hotel vouchers and flexible redemption options for flights and hotels.
Features of American Express Platinum Travel Credit Card which makes it unique
Membership Rewards Program
Earn and redeem points on flights, hotels, and online shopping
Flexible redemption options
Extensive rewards network
Rewards Structure of American Express Platinum Travel Credit Card
General Spend
baseAll spends except exclusions
Earn 2 Membership Reward Points for every ₹100 spent
Milestone Bonuses
base₹1.9 lakh and ₹4 lakh annual spend
Earn milestone bonus points plus Taj voucher worth ₹10,000 on ₹4L spend
Milestones of American Express Platinum Travel Credit Card
First Milestone
₹1,90,000 : 15,000 Membership Rewards Points
Second Milestone
₹4,00,000 : 25,000 Membership Rewards Points + ₹10,000 Taj Hotel Voucher
Fees & Charges of American Express Platinum Travel Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹3,500 |
| Annual Fee | ₹5,000 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 3.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 4% |
Renewal Conditions:Standard renewal fee applies
Fee Explanation Standard fees apply on overdue and cash advance amounts.
Lounge Access Benefits with American Express Platinum Travel Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Two visits per quarter only
Insurance Coverage with American Express Platinum Travel Credit Card
Travel Insurance
₹10,00,000Valid on international travel
Additional Features of American Express Platinum Travel Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Up to 3 free add-on cards
Welcome Bonus with American Express Platinum Travel Credit Card
Welcome Bonus: 10,000 Membership Rewards Points on ₹1.5 lakh spend in 90 days
Bonus Conditions: Valid for new cardmembers only
Application Process for American Express Platinum Travel Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via American Express India portal
Upload KYC documents
Receive verification call
Card dispatched within 7 business days
Required Documents for American Express Platinum Travel Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
American Express Platinum Travel Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally at premium merchants
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for American Express Platinum Travel Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹50,000
Minimum annual income
Self-Employed Applicants
₹60,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have valid PAN and Aadhaar cards.
How Approval Is Decided
- Minimum monthly income ₹50,000
- Indian resident
- Credit score above 750
Pros of American Express Platinum Travel Credit Card
- Strong reward points program
- Attractive milestone bonuses
- Complimentary airport lounge access
Cons of American Express Platinum Travel Credit Card
- High annual fee
- Limited international lounge access
- Higher forex fees
Frequently Asked Questions about American Express Platinum Travel Credit Card
Is there a joining fee?
Yes, ₹3,500 joining fee applicable.
What are the milestone bonuses?
Earn 15,000 points on ₹1.9 lakh spend and 25,000 points plus Taj voucher on ₹4 lakh spend annually.
How many lounge visits are included?
8 domestic lounge visits annually, two per quarter.
Is the annual fee waived?
No waiver available on annual fee.
What is the forex markup fee?
Forex markup fee is 3.5% on all international transactions.
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