Credit Cards · Honest Review
American Express Platinum Travel Credit Card
American Express · Amex
Your Verdict
- ✓8 complimentary domestic lounge visits per year (max 2 per quarter)
- ✓Complimentary Priority Pass membership with US$99 annual fee waived
- ✓1 Membership Rewards point per 50 spent, redeemable for travel and Taj stays
- ✓Strong milestone-based bonus point structure for mid-to-high spenders
- ✓Zero convenience fee on HPCL fuel transactions under 5,000
What American Express Platinum Travel Credit Card costs you
American Express Platinum Travel Credit Card carries a ₹5,000 annual fee and a ₹3,500 one-time joining fee. There is no spend-based annual fee waiver.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹5,000 |
| Joining fee (one-time) | ₹3,500 |
| Foreign transaction fee (forex markup) | 3.5% per transaction |
What you earn on every rupee spent
American Express Platinum Travel Credit Card earns 2.00% on all eligible spends as a base reward rate. There are no additional category-specific multipliers. Each reward point is worth ₹0.3 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 2.00% |
7,500 bonus Membership Rewards points on spending 1.9 lakh in a card year; 10,000 points at 4 lakh; 22,500 points plus a 10,000 Taj voucher at 7 lakh
Reward types: Points · Lounge · Miles
Beyond the reward rate
The non-reward benefits on American Express Platinum Travel Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for American Express Platinum Travel Credit Card
American Express Platinum Travel Credit Card requires a minimum net monthly income of ₹50,000 for salaried applicants and a CIBIL score of 750 or above. It is open to salaried employees and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹50,000 |
| CIBIL score | 750+ (good to excellent) |
| Age range | 18–60 years |
| Employment type | Salaried, Self-employed |
| Typical approval time |
Annual income of 6 lakh or more required; primarily available to residents of major metro and tier-1/tier-2 cities.
Who should (and shouldn't) get American Express Platinum Travel Credit Card
- → Frequent travelers who value airport lounge access
- → Low spenders who won't recover the high annual fee
- → Users with concentrated spending in a single category who want a specialised card
- → International travelers — the 3.5% forex markup adds up quickly
American Express Platinum Travel Credit Card — Questions answered
What is the annual fee for American Express Platinum Travel Credit Card?
What is the minimum income required for American Express Platinum Travel Credit Card?
What reward rate does American Express Platinum Travel Credit Card offer?
Does American Express Platinum Travel Credit Card provide airport lounge access?
How long does it take to get American Express Platinum Travel Credit Card approved?
How long does it take to get American Express Platinum Travel Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.