The American Express Platinum Credit Card is difficult to obtain because candidates must have a credit score of 700 or higher and a significant income in order to be approved. Yet, you have a strong chance of being accepted if you have at least good credit and a substantial income.

To be eligible for the American Express Platinum Travel Credit Card, an Indian resident with a good credit history and no defaults must apply. Applicants must also be at least 18 years old and have a savings or current account with an Indian or multinational bank. Furthermore, the applicant must have a minimum annual income of Rs. 6 lahks from either salaried or self-employment. Filling out an online form, submitting documents such as identity, address, and income proof, and going through approval and verification processes are all part of the application process.

Only a few American Express credit cardholders have access to the EMI facility. American Express charge cardholders are not permitted to use this facility. The bank retains the authority to determine eligibility in accordance with its internal policies and guidelines. Subject to their credit limit being available, cardmembers may choose up to six charges or transactions to convert into an EMI at any time.

The American Express Platinum Travel Credit Card allows you to earn Membership Rewards Points on your transactions, which never expire.

You can use this credit card to make foreign currency purchases. However, each transaction is subject to a 3.5% markup fee. That is, you will be charged an additional fee of 3.5% of the transaction amount for each foreign currency transaction made with this credit card.

Redeeming Membership Rewards points earned on an American Express Platinum credit card is a simple process. Log into your account and select the option to redeem points. Choose how to redeem, either as a statement credit or towards a purchase. Enter the number of Membership Rewards points you would like to redeem and your payment information. Confirm your redemption and finalize the purchase.

Points can be redeemed for gift cards, travel rewards, and statement credits. For gift cards, you can choose from a variety of retailers, restaurants, and entertainment options. For travel rewards, you can book flights, hotels, and vacation packages. For statement credits, you can reduce your credit card bill. 

Once you have redeemed your points, they will be deducted from your Membership Rewards account.

Yes, contactless payments are possible with the American Express Platinum Travel Credit Card. Due to the card's contactless functionality, you can make payments instantly and safely. All you need to do is hold your card close to the reader while you wait for your payment to be approved. Additionally, you will continue to benefit from the same outstanding fraud protection, top-notch service, and Cardmember rewards that you are accustomed to.

A credit limit is not included on a Consumer or Business Green, Gold, or Platinum Card. Instead, unless you have already been informed, your Card does not have a defined spending limit.

Yes, the American Express Platinum Card is a premium credit card that comes with travel reward points. It includes access to airport lounges and stays vouchers at premier hotels, as well as the 3.5% Amex foreign transaction fee.

The major benefits of the American Express Platinum Card include:- 

• With the exception of fuel, insurance, and utilities, every Rs 401 you spend using your card earns you 1 Membership Rewards Point.
• For every Rs 100 spent on fuel, members earn 5 Membership Rewards points.
• Get more for your money by charging all of your expenses, including travel, dining, and shopping, to your card.