Amex Platinum Travel

The American Express Platinum Travel Credit Card is a premium travel-focused card designed for frequent flyers and lifestyle enthusiasts in India. It rewards your spending on travel and lifestyle categories with accelerated Membership Rewards (MR) points, helping you get more value from every rupee you spend. Whether you are booking flights, staying at hotels, or enjoying fine dining, this card is built to complement an active, travel-oriented lifestyle.

Key Benefits

• Welcome Bonus: Earn 10,000 MR points when you spend ₹40,000 within the first 90 days of card membership.
• Domestic Airport Lounge Access: Enjoy 8 complimentary domestic lounge visits per year, giving you a comfortable pre-flight experience at participating airports across India.
• Membership Rewards Programme: Accumulate MR points on every eligible transaction and redeem them for travel, merchandise, or statement credits through the Amex rewards catalogue.
• Premium Lifestyle Privileges: Access exclusive American Express offers on dining, travel bookings, and lifestyle experiences curated for cardholders.
• Global Acceptance: Use your card at millions of Amex-accepting merchants worldwide.

Reward Structure

| Spend Category | Reward Rate |
|---|---|
| Travel & Lifestyle | 3 MR points per ₹100 |
| Dining | 1 MR point per ₹100 |
| All Other Spends | 1 MR point per ₹100 |

Welcome Benefit: Earn 10,000 bonus MR points on spending ₹40,000 or more within the first 90 days of card issuance.

MR points do not expire as long as your card account remains active and in good standing. Points can be redeemed via the American Express Membership Rewards portal for flights, hotels, gift vouchers, and more.

Fees & Charges

| Fee Type | Amount |
|---|---|
| Joining Fee | ₹3,500 |
| Annual Fee (from Year 2) | ₹5,000 |
| Finance Charge (Interest) | 3.5% per month (approx. 42% p.a.) |
| Foreign Currency Markup | 3.5% on international transactions |
| Fuel Surcharge Waiver | Not available |

> Note on Interest: The finance charge of 3.5% per month applies to revolving balances and cash advances. To avoid interest, pay your statement balance in full by the due date each month.

> Note on Forex Markup: A 3.5% markup is levied on all transactions made in foreign currencies, which may make this card less economical for frequent international spenders.

Card Features

• Card Type: Travel & Lifestyle – Premium
• Issuing Bank: American Express Banking Corp India
• Network: American Express
• Domestic Lounge Access: 8 visits per year at participating lounges
• International Lounge Access: Not included
• Fuel Surcharge Waiver: Not available
• Contactless Payments: Enabled for tap-and-pay at compatible terminals
• EMI Conversion: Select transactions can be converted to EMIs (subject to eligibility and Amex approval)
• Add-on Cards: Supplementary cards available for family members (subject to terms)
• 24/7 Customer Support: Access American Express customer care round the clock

Eligibility Criteria

To apply for the American Express Platinum Travel Credit Card, you must meet the following minimum requirements:

• Nationality / Residency: Indian resident
• Minimum Annual Income: ₹6,00,000 per annum
• Minimum CIBIL Score: 750 or above
• Age: Must be a major (18 years or older); upper age limit subject to American Express policy
• Employment Type: Salaried or self-employed individuals may apply

> Meeting the minimum criteria does not guarantee card approval. American Express reserves the right to approve or decline applications based on its internal credit assessment.

Terms & Conditions

• All fees, charges, reward rates, and benefits mentioned on this page are based on information available at the time of publication and are subject to change by American Express at its sole discretion.
• The welcome benefit of 10,000 MR points is conditional on spending ₹40,000 or more within 90 days of card issuance; the qualifying spend threshold and timeline are set by American Express.
• Domestic lounge access (8 visits per year) is subject to the terms of the lounge access programme and participating lounge availability; visits beyond the complimentary quota may be charged.
• MR points are governed by the American Express Membership Rewards Terms & Conditions; redemption options and point values may vary and are subject to availability.
• The finance charge of 3.5% per month applies to outstanding balances not paid in full by the payment due date.
• The foreign currency markup of 3.5% applies to all transactions processed in currencies other than INR.
• Naxelona is an independent financial products marketplace and is not affiliated with or endorsed by American Express. Information provided here is for educational purposes only and does not constitute financial advice.
• Terms and conditions apply. Please refer to the American Express official website and the Most Important Terms & Conditions (MITC) document for complete and up-to-date information before applying.