American Express Platinum Travel Credit Card

  • Joining Fee: 3,500
  • Renewal Fee: 3,500
  • Best Suited For: Travel
  • Reward Type: Reward Points
  • Welcome Benefites: 10,000 Membership Rewards Points
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American Express is globally known for its range of premium credit cards, and the air mile benefits they offer. In India, American Express has only one offering in the travel category- The American Express Platinum Travel Credit Card, among the most premium AmEx Credit Cards. Earlier, they were also offering the Jet Airways Platinum Credit Card. However, the same was discontinued after the airline suspended its operations in 2019. As is evident from the name, It’s a travel credit card. It comes with attractive welcome benefits and plenty of milestone benefits in the form of Membership Rewards Points, which can be redeemed not just for travel-related expenses like booking air tickets, hotels, and cars on the Amex Travel Online portal but also for shopping vouchers at online shopping sites, e-vouchers on American Express’s online shopping portal, for offline shopping using INSTA rewards. You can even make credit card bill payments under Amex’s Cash + Points scheme. However, under the Cash + Points scheme, 1000 Membership Rewards Points are equivalent to Rs. 250. Apart from the welcome and milestone benefits, you also earn 2 Membership Rewards Points for every Rs. 100 spent using the card (with a few exceptions).

New Features

Spend Based Waiver


Interest Rates

3.5% per month

Add-on Card Fee

Nil up to 2 add-on cards, Rs. 1500/card thereafter.

Rewards Redemption Fee


Fuel Surcharge

No fuel surcharge at HPCL fuel stations for transactions of up to Rs. 5,000, 1% surcharge on transactions above Rs. 5,000

Foreign Currency Markup

3.5% of the transaction amount

Cash Advance Charges

3.5% of the transaction amount subject to a minimum charge of Rs. 250.

Movie & Dining

Up to 20% discount at select restaurants.


Complimentary domestic airport lounge access per year and Priority Pass membership for international lounge access. Taj Expenses e-gift card and Taj Stay voucher as milestone benefits (read below for details)

International Lounge Access

Priority Pass Membership (lounge access program) with USD 99 annual fee waived off.

Rewards Rate

2 Membership Rewards Points for every Rs. 100 spent.



Insurance Benefits


Reward Redemption

Membership Rewards Points can be redeemed for online shopping vouchers, INSTA rewards for offline purchases, transfer to various flight and hotel loyalty programmes and for making credit card bill payments under the Cash + Points scheme.

Domestic Lounge Access

8 complimentary domestic lounge access per year (max 2 every quarter).

Zero Liability Protection

No liability on cardholder for fraudulent use provided the loss of card is reported within 3 days. Liability limited to Rs. 1000 if loss of card reported after 3 days.


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