American Express
American Express Platinum Travel Credit Card
This is an invite only card
Apply and get ₹0 Rewards
Top Benefits
Earn 1 Membership Reward Point for Every ₹50 Spent
with no expiry on points as long as the card is active and in good standing
Get 8 Complimentary Domestic Airport Lounge
visits per year limited to 2 visits per calendar quarter, with complimentary Priority Pass membership
Best For
Dining
Travel
Joining / Annual Fee
Joining Fees
₹5,900 ( ₹5000 + GST )
Annual Fees
₹5,900 ( ₹5000 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
6LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
See if you are eligible for this card
All Card Benefits
- Earn up to 40,000 bonus MR points per year through 3 spend milestones (₹1.9L / ₹4L / ₹7L) — plus a ₹10,000 Taj Stay voucher at the ₹7 lakh tier, all redeemable on Platinum Travel Collection
- Get 8 complimentary domestic lounge visits per year with complimentary Priority Pass membership (USD 99 annual fee waived)
- MR points never expire as long as the card is active — giving full flexibility to accumulate and redeem without any time pressure.
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.40
Redemption Options
- Taj Stay Vouchers
- Partner Transfer: Postcard Hotels & Air India
- Amex Travel Online
- Membership Rewards Catalogue
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Insurance
Utilities
Cash advances
Balance transfers
Fees and charges
EMI Transactions
For Spends Waiver
Fuel
Insurance
Utility
Cash transactions
EMI Transactions
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees 3.50% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases. | 3.50% |
ATM withdrawal 3.50% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹[Y]. | 3.50% |
Reward Redemption Fees A flat fee of ₹99 plus applicable GST is charged per cash withdrawal using the credit card. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals. | 1.80% |
Rent Payment Fees 2% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 2% |
Cheque Payment Fees A fee of ₹250 is charged for payments made by cheque. | ₹250 |
Cash Payment Fees A fee of ₹100 is charged for payments made by depositing cash at a bank branch or ATM. | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 – ₹500 | ₹0 |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹1,000 |
| ₹25,001 and above | ₹1,000 |
That’s the full story of this credit card
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Top Benefits
Top Benefits
Earn 1 Membership Reward Point for Every ₹50 Spent
with no expiry on points as long as the card is active and in good standing
Get 8 Complimentary Domestic Airport Lounge
visits per year limited to 2 visits per calendar quarter, with complimentary Priority Pass membership
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