American Express Platinum Travel Credit Card
Verified · August 20, 2026
4.5/5.0
Updated on August 20, 2026
🎖️Reward Rate
Membership Rewards
Overview
The Platinum Travel Credit Card provides unbeatable luxury travel experiences. Apply today and earn air miles and complimentary flights immediately.
Rewards
Reward Type
Cashback
Reward Rate
- • Membership Rewards
- • Reward Multiplier
Welcome Benefit
ays of Cardmembership entitles you to a Welcome Gift 1 of 10,000 * Membership Reward ® points Reaching spend 9 threshold of Rs
Milestone Benefit
Annual renewal fee waiver on spending threshold
Redemption
Redeem for flight/hotel bookings, brand vouchers, and statement cash credit
Benefits
- Airport Lounges
- Travel with My Points
- Help With Travel Can I use my Card abroad? Can I change my travel booking? View All FAQs
- View All Benefits
- Travel
- Amex Offers
- Explore EMI Offers
- Security
- Manage Membership Dashboard Redeem Points for E-Vouchers Shop with Points Travel with Points Pay Card Charges with Points
- Airport Lounges
- Travel with My Points
- Help With Travel Can I use my Card abroad? Can I change my travel booking? View All FAQs
- View All Benefits
- Travel
- Amex Offers
- Explore EMI Offers
- Security
- Manage Membership Dashboard Redeem Points for E-Vouchers Shop with Points Travel with Points Pay Card Charges with Points
Things to Know Before you apply
American Express Platinum Travel Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried: > ₹35,000/month; Self-Employed: ITR > ₹6,00,000
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (Min ₹500) |
Fee waiver: N/A
PaisaSimple Review
Overall Rating
4.5/5What do we like about this card?
The American Express Platinum Travel Card | Amex Platinum issued by American Express is a top choice in India for everyday transactions and cashback. It features 3.5% forex markup and generous reward multipliers.
Pros
- • Membership Rewards
- • Reward Multiplier
- • Membership Rewards
- • High value reward program
- • Wide merchant acceptance
Cons
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
Compare with Similar Cards
Rating
4.5/5
5.0/5
Highest rated4.5/5
Fee Details
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
₹7,000
Annual/Renewal Fee
₹7,000
Joining Fee
₹499
Annual/Renewal Fee
₹499
Welcome Benefit
- • ays of Cardmembership entitles you to a Welcome Gift 1 of 10,000 * Membership Reward ® points Reaching spend 9 threshold of Rs
- • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
- • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
- • Fulfillment Timeline: Credited within 60 days of card issuance
- • 2,000 bonus reward points (worth ₹500) on spending ₹5,000 within 60 days of card issuance + cashback of ₹100 on first transaction of ₹1,000+ on HP Pay App.
Reward/Cashback Rate
- • Membership Rewards
- • Reward Multiplier
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash advances
- • 24 Reward Points per ₹150 spent on HPCL fuel, LPG, and lubricants via HP Pay App (4% valueback + 1% surcharge waiver = 5% total savings)
- • 10 Reward Points per ₹150 spent on Groceries and Departmental Stores (up to 1,000 points/month)
- • 2 Reward Points per ₹150 spent on all other domestic retail categories
Pros
- • Membership Rewards
- • Reward Multiplier
- • Membership Rewards
- • High value reward program
- • Wide merchant acceptance
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Shift to your shopping gear and avail up to 2% Savings (10 Reward Points for every ₹150 spent) on utility & departmental stores*. Get 2 Reward Points for every ₹150 spent on other categories. - Accelerated Reward Points and Fuel Surcharge Waiver benefits will be provided only on fuel transactions done...
- • Movie & Travel Fun Fuel the wanderlust in you with 4 Complimentary airport lounge access per year (1 per Quarter) at partner domestic lounges for primary cardholders***. Click Here to check the airport lounge list and eligibility criteria. Get 25% off up to ₹100 on the purchase of minimum 2 tickets per transaction at... Read more
- • High value reward program
- • Wide merchant acceptance
Cons
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified