Overview
The American Express Platinum Travel Credit Card is one of the most popular offerings from American Express (Amex), known for its strong reward potential—especially if you can spend up to ₹7 lakhs annually.
The card is structured around milestone benefits, which unlock at annual spending thresholds of ₹1.9 lakhs, ₹4 lakhs, and ₹7 lakhs. As your spending increases, so do your rewards—making it particularly valuable for high spenders.
One of the biggest advantages of this card is that almost all types of spending count toward milestone bonuses. This includes categories that are often excluded by other credit cards, such as government tax payments, NPS contributions, fuel, insurance premiums, and even rent payments. This makes it easier to hit milestones while still earning meaningful rewards.
Additionally, when you spend on popular brands or purchase gift cards through the Amex Rewards Multiplier platform, you can earn accelerated reward points—further boosting your overall returns.
Note: American Express is not issuing Amex Platinum Travel Credit Card in India currently.
Pros
- All kind of spend, including government spend, NPS, utility bills, fuel, insurance premium, taxes etc. are considered for milestone bonus points. Therefore, you can earn very high reward rate on these spend categories wherein most other credit cards do not provide any rewards on the same.
- Many options to choose to redeem the reward points.
- Reward Points can be redeemed as real cash in statement.
- Very attractive instant discount offers from Amex, advertised through its mobile app
- 0% Convenience Fee at HPCL Fuel Stations
- Reward points never expire provided your credit card is active.
Cons
- Acceptability issue, specially for offline usage
- No benefit against renewal fee payment. But mostly renewal fe is discounted by the customer care on request.
- Free Priority Pass is provided but lounge access using Priority Pass at both domestic and international locations is chargeable.
- No option for renewal fee waiver and no benefit is provided against the payment of renewal fee.
Fees & Charges
Joining / Annual Fee
₹ 4,130
Renewal Fee
₹ 5,900
Annual Spend Target for Fee Waiver
₹ 999,999,999
Minimum Annual Income Required
₹ 600,000
Rewards and Benefits
Reward Rate
1% Base Reward Rate (Considered 1 Point value = Rs.0.50). If add milestone benefits, then Reward Rate increases to 5.29%
Base Reward Rate
1%
Accelerated Reward Rate
5.29%
Welcome Benefits
10,000 Membership Rewards Points will be applicable on payment of Joining fee and on spending INR 15,000 within first 90 days of Card membership.
Renewal Benefits
N/A
Rewards & Cashback Details
Regular Reward Points
- Base Rewards: 1 Reward Point for every Rs. 50 spent
- Reward Multiplier: Get 3x Reward Points (3 Reward Points of Rs.50 Spend) on spend on popular brands like Flipkart, Myntra, Nykaa etc and giftcards of brands including Amazon Shopping voucher and Amazon Pay.
- Milestone Bonus-1: On spending Rs. 1.90 Lacs in a year, earn 7,500 Rewards points
- Milestone Bonus-2: On spending Rs.4 Lacs in a year, earn additional 10,000 Rewards points
- Milestone Bonus-3: On spending Rs.7 Lacs in a year, earn additional 22,500 Rewards points
- In addition, you also get Rs.10,000 Taj Hotels Giftcard on Spending Rs.7 Lacs in a year
- So, in total, you get 48,000 reward points (40,000 points through Milestone Bonuses, 8,000 Regular Reward Points) and Rs.10,000 Taj Hotels Giftcards on a total spend of Rs.7 Lacs in a year.
- All kind of spends is considered for calculating milestone bonuses. So this card can be used for spend like government taxes, NPS, fuel, insurance premium payments etc and high reward rates can be achieved even on these kind of spend.
Rewards Redemption
- Transfer to Hotel Loyalty Programs and Airmiles Program. Best option is Marriott Bonvoy Program which gives 1 Marriott Point against each Amex point
- Redeem Reward Points on booking flight and hotel bit.ly/3UoSWQ8
- Redeem Reward Points in your Amex Credit Card Statement as Real Cash at 1 Points = Rs.0.25
Additional Benefits
Domestic Airport Lounge
Dining Benefits
International Airport Lounge
Railway Lounge Access
Movie Benefits
Golf Benefits
Lifestyle Benefits Details
- 8 complimentary Domestic Airport Lounge Access per year (limited to two complimentary visit per quarter). Swipe your Amex Platinum Travel Card directly at Lounge reception to enter the Lounge.
- Free Priority Pass, but lounge access through Priority Pass is chargable both at domestic location and international locations.
- Get instant discounts on Restaurent payments, travel and other things: bit.ly/3UmIN5h
Features & Benefits
Cashback
Reward Points
Airmiles
Airport Lounge
NPS
Education
Government Payment
Rent
Gift Cards
Jewellery
Wallet Load
Rewards on EMI
Utility Bills
Insurance
Fuel
No Cashback / Rewards Categories
No Base reward points on following. However, these spend are considered for milestone bonus points. So, if you are going to achieve milestone spend in the year, you will still earn good reward rate on these spend in the form of milestone bonuses.Excluded Categories for Base Reward Points but you get Milestone bonuses- Fuel (includes petrol, diesel, CNG)
- Insurance
- Utility (Utility services includes providers of household/domestic electricity, gas and water. These providers can be government departments and agencies including local, state, municipal organizations, public housing societies and apartment associations.)
- Any EMI option selected from a merchant’s website e.g. online shopping with Amazon or Flipkart etc. and on any EMI option selected at Merchant’s terminal e.g. a Chip and PIN transaction at Croma retail store etc.
- However, you will continue to earn Membership Rewards Points on all EMI transactions through American Express® SafeKey and on all EMI conversions done post purchase.
Eligibility & Important Info
Eligibility Criteria
- Age: 18 years or more
- Income (For Salaried): Rs.6 lacs per annum
- Income (For Self-Employed): Rs.6 lacs per annum
- Resident Indian as defined under the Income Tax Act of India
- Residents of Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodra, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum and Mysuru
- Applicant must have an Indian or multinational bank’s savings or current account in India
Important Links
Save following links to maximise your rewards with American Express Membership Rewards Credit Card.- Amex Reward Multiplier Portal: Get 3x Reward Points on any spend on Amex Reward Multiplier Portal using Amex Membership Rewards Credit Card. Here is the link: bit.ly/4d1AzI3
- Amex Travel Portal to Redeem Points on Flights and Hotels: bit.ly/3UoSWQ8
- Amex Discount Offers on Dining, Travel and other things: bit.ly/3UmIN5h
- Amex Points Transfer to Airmiles and Hotel Loyalty Programs: bit.ly/3TYGXqZ
- Domestic Airport Lounge List accessible through Amex Platinum Travel Card: bit.ly/4aToaUG
Upcoming Changes
- American Express is not issuing Amex Platinum Travel Credit Card currently in India.
- Nowadays, in most cases, Amex is not offering any discount on renewal fee, even if card issuer would want to close the card.
Add-on Cards
Upto 3 Add-on cards available for freeClassification
Card Issuer
Card Network
Card Purpose
Reward Type
Card Category
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