HomeCredit CardsAmerican Express Platinum Travel Credit Card
American Express Platinum Travel Credit Card

American Express

American Express Platinum Travel Credit Card

amexplatinumcredittravelshopping

Annual Fee

₹5,900₹5,000 + GST

Base Reward

2% MR points

Foreign Markup

3.5% of the transaction amount

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4.6/5
VerifiedLast updated 26 May 2026

Welcome Benefits

10,000 Membership Rewards Points

Product Highlights

  • Welcome Gift of 10,000 Membership Rewards Points
  • 1 Membership Rewards Point for every ₹50 spent
  • 8 domestic airport lounge access every year (max 2 per quarter)

Reward Calculator

Earns ₹100/year (net)

Modest gain. Solid hold if you like the perks.

Monthly spend

₹25K

across all your buckets

Points / yr

6K

Amex Membership Rewards

Best worth

₹6K

via statement credit

Effective rate

2.00%

Annual fee

₹5,900

Year 1 net

+₹5,100

incl. welcome

Year 2+ net

+₹100

ongoing

Adjust your spend by reward bucket

1 buckets
1.00%All spends
₹25,000/mo
Earns 500 amex membership rewards / mo≈ ₹500 worth/mo

Redemption channels

highest value = best

Statement credit

₹0.5/pt

Best

Travel partner

₹1/pt

Milestone Rewards

Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.

₹50K
₹5K₹50K₹1L₹2L₹3L

per year · You spend ≈ ₹6L

₹1.9L₹3.8K value

7,500 bonus MR points

₹4L₹5K value

10,000 bonus MR points

₹7L₹21.3K value

22,500 bonus MR + ₹10,000 Taj Stay voucher

Surcharges & Exclusions

Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.

Foreign exchange markup

3.5%

Charged on every international (non-INR) transaction

Excluded from rewards

fuel, insurance, utility, cash advance, emi pos conversion

Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.

Rewards Details

Earn 1 Membership Rewards Point for every ₹50 spent. Redeem MR Points for vouchers, transfers to various flight and hotel loyalty programs, and more.

Reward Points — Redemption ValueBest: ₹0.5/point
  • Redeem MR Points for Vouchers, Transfers to Various Flight and Hotel Loyalty Programs, and More

We use ₹0.5/point as the effective value for card comparisons and recommendations.

Benefits & Features

Domestic: 2 Domestic Lounge Access Every Quarter (8 Each Year) International: N/A 8 complimentary lounge access per annum (max 2 per quarter) at domestic airports across India.

Pros & Cons

Pros

  • Attractive milestone benefits to cardholders
  • Earn 7,500 bonus MR points on annual spends of ₹1.9 lakh
  • 10,000 bonus MR points on spends of ₹4 lakh
  • 22,500 MR points along with a ₹10,000 Taj voucher on annual spends of ₹7 lakh
  • 8 complimentary lounge access per annum (max 2 per quarter) at domestic airports

Cons

  • No complimentary lounge access at international airports
  • Priority Pass lounge access incurs a charge of USD 27 per visit per guest

Additional Info

Excluded Categories

fuelinsuranceutilitiescash transactionsEMI conversion

Partner Merchants

Flipkart

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

Fees & Charges

Annual Fee₹5,000
Joining Fee₹5,000 + GST
Foreign Markup3.5% of the transaction amount
Interest Rate3.5% per month
Cash Advance3.5% of the transaction amount subject to a minimum charge of ₹250

Eligibility

Min Age

18 yrs

Salaried

₹6.0L+

Self-Emp

₹6.0L+

Networks

amex