American Express Platinum Travel Credit Card - Features, Benefits, Fees & Charges

American Express Platinum Travel Credit Card (4.5)

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If you are a frequent traveller and looking for a credit card that rewards you for your trips, the American Express Platinum Travel Credit Card is worth considering! This card has a joining fee of ₹3,500 and an annual fee of ₹5,000 and offers a reward rate of 3% to 7.5%. As a welcome bonus, you will receive 10,000 Membership Rewards Points that can be redeemed for Flipkart vouchers or travel bookings. Not just that, you will enjoy premium travel benefits, such as travel vouchers, free airport lounge access, and perks with popular hotels like Taj, SeleQtions, and Vivanta Hotels. Keep reading to know how this card can enhance your travel experience.

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus

10,000 membership points redeemable for Flipkart Voucher or Amex Travel.

Note: Applicable on spending ₹15,000 within 90 days of Card membership.

Travel Benefit

E-Gift Card worth ₹10,000 from Taj, Vivanta and SeleQtions Hotels.

Milestone Benefit
  • Additional Flipkart voucher or ATO benefits worth ₹4,500  on spending  ₹1.90  lakhs.
  • Additional Flipkart voucher or ATO benefits worth ₹7,000  on spending  ₹4 lakhs.

Note: ATO benefits mean Amex Travel Online benefits which are applicable on spending done in a card membership year.

Reward Points

Reward Rate: 3% to 7.5%

Lounge Access

2 Complimentary airport lounges per quarter across India.

Fuel Surcharge
  • 0% fee on fuel transactions of up to ₹5,000 at HPCL outlets.
  • 1% fee on fuel transactions of more than ₹5,000 at HPCL outlets.
EMI Benefit

Flexibility of converting transactions of ₹5,000 or above into easy EMIs.

Dining Benefit

Up to 20% off at partner restaurants.

Zero Lost Card Liability
  • Users liability is Nil if the fraud is reported within 3 days.
  • Max. liability of ₹1,000 if the fraud is reported beyond 3 days.
Other Benefit
  • Complimentary membership to Priority pass.
  • 24x7 Card Related Assistance.
  • Emergency Card Replacement.

Missing- EMI Benefit offered by the card.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹ 3,500

Annual Fee

₹ 5,000

Annual Percentage Rate

42%

Add-on Card Fee

₹ 1500

Minimum Repayment Amount

5%

Cash Withdrawal Fee

0

Cash Advance Limit

NA

Card Replacement Fee

Nil

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹0.50
Late Payment Charges

Any Amount Due

30% of Minimum Amount Due subject to minimum of ₹500 and maximum of ₹1,000
Pros

Aspects that make this credit card amazing.

  1. No expiry of Reward Points.
  2. It offers discounts on dining at selected restaurants.
  3. The card gives reward points, fuel and other spends.
  4. It has zero lost card liability.
Cons

Aspects this credit card lacks.

  1. No concierge services other than card assistance.
  2. Convenience fee of ₹99 is levied on the EMI conversions.
  3. The card is available in selected cities only.
  4. Membership points can not be earned on spending on fuel, insurance and utility.
American Express Platinum Travel Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3)

Rewards

(4)

Customer Service

(3.5)

American Express Platinum Travel Credit Card Review

The American Express Platinum Travel Credit Card is a travel-focused credit card that offers travel benefits such as access to airport lounges, hotel vouchers, and complimentary upgrade benefits. Besides this, it also offers some other perks like fee waiver on fuel, rewards on shopping, and discounts on dining. As American Express Platinum Travel is a premium category credit card, it also charges a high amount of ₹5,000 in the form of an annual fee. But since these benefits are also available among the medium-category credit cards that don't even charge such a high amount, users can also consider other cards with more attractive benefits like 24x7 concierge services, access to golf courses, entertainment benefits, and much more.

Cards similar to American Express Platinum Travel Credit Card:

1. Citi Premier Miles Credit Card
2. SBI Elite Credit Card
3. Standard Chartered Ultimate Credit Card

Overview

Best for Rewards & Travel
Joining Fee ₹3,500 + Applicable Taxes
Annual Fee ₹5,000 + Applicable Taxes
Welcome Benefits 10,000 membership points
Card Network American Express

Who should get the American Express Platinum Travel Credit Card?

Users who frequently spend a lot on traveling, daily expenses, shopping, and dining and also desire to receive reward points for spending money on these categories may find the American Express Platinum Travel Credit Card to be quite beneficial. And since the Amex Platinum Travel Credit Card comes with a substantial annual fee, it is an ideal choice for customers looking for such benefits and is comfortable bearing the high fee in exchange for these perks.

Reward Points

With the American Express Express Rewards Credit Card, users earn reward points for every spent, and all the reward points can be redeemed for Flipkart vouchers and Amex Travel Online Benefits.

Categories Reward Points
On every ₹50 spent 1 point
On Spend of ₹1.90 lakhs 15,000 points
On spend of ₹4 lakhs 25,000 points

Note: The value of reward points may vary when redeemed for Amex Travel Online Benefits. 
Reward points are not applicable for transactions made on Fuel, Insurance, POS machines, and Cash Withdrawals.

How to apply for an American Express Platinum Travel Credit Card?

To apply for American Express Platinum Travel Credit Card, follow the below steps:

Step 1: Visit select.finology.in and click on the 'Credit Card' tab.
Step 2: Click on Card Issuers, where you will see a list of banks that issue credit cards.
Step 3: Choose American Express from the list.
Step 4: Choose 'American Express Platinum Travel Credit Card' and click on the 'Apply Now' button.
Step 5: Provide the required consent, and then you will be redirected to a page where you need to fill in your mobile number and PAN card number.
Step 6: Fill in the credit card application form and attach the documents required.

American Express Membership Reward Credit Card Eligibility

  • Age: Minimum 18 Years
  • Occupation: Salaried or Self Employed
  • Income: Salaried: ₹50,000 p.m., Self-Employed: ITR > ₹6.0 Lakhs p.a.

Documents Required

  • Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
American Express Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

American Express Bank

American Express Bank Credit Card Customer Care Number:

1800 419 5960

American Express Bank Card Offers:

View Offers

Total Cards:

13,84,863
American Express Bank Credit Card News

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American Express Platinum Travel Customer Reviews

Overall Rating

4

Based on 1 reviews

Rating Summary

5
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4
100%
3
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2
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1
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Review Analytics

Fees 0 votes

Interest Rate 0 votes

Rewards 0 votes

Benefits 0 votes

Customer Service 0 votes

Frequently Asked Questions

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, card members may choose up to six charges or transactions to convert into an EMI at any time.

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 card member rewards that you are accustomed to.

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

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.

 

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.

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