American Express Platinum Travel Credit Card
American Express · Amex · Mid card
Can be rewarding at the ₹4 lakh and ₹7 lakh annual milestones when the points and Taj benefit match how you travel.
Households with predictable annual spend who value Membership Rewards and Taj stays.
Terms checked 13 Sept 2026
- Annual fee
- ₹5,000 + GST
- Joining fee
- ₹5,000 + GST
- Base reward rate
- 0.6%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0.6% |
| Groceries & essentials | 0.6% |
| Dining & delivery | 0.6% |
| Travel & hotels | 0.6% |
| Subscriptions & streaming | 0.6% |
| Beauty & wellness | 0.6% |
| Entertainment & movies | 0.6% |
| Offline store shopping | 0.6% |
| International spending | 0.6% |
| Education & family | 0.6% |
| Healthcare & pharmacy | 0.6% |
| Other miscellaneous | 0.6% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- No waiver recorded
- Monthly income requirement
- Approx. ₹50,000/month
Airport lounge access
8 domestic airport lounge visits per year
2 domestic airport lounge visits per quarter · Issuer card
Guest access: Not specified
Requires ₹1,00,000 per Calendar quarter for the following calendar quarter
A ₹70,000 transitional requirement applies for Q4 2026; GainFair uses the ongoing ₹1 lakh condition.
Spend condition: ₹1 lakh eligible spend in the preceding calendar quarter from the quarter beginning 1 October 2026
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 1 item
Eligible Membership Rewards
Usage-based value1 Membership Rewards point per ₹50 applies to eligible spend; fuel, utilities, insurance, cash and merchant POS EMI are excluded.
Fees · 2 items
Annual card fee
Cost ₹5,000₹5,000 annual fee before applicable tax.
Joining fee
Cost ₹5,000₹5,000 one-time joining fee before applicable tax.
Welcome benefits · 1 item
10,000 Membership Rewards points
Recorded value ₹3,000Welcome points redeemable through the Platinum Travel Collection.
Conditions: Pay the first-year fee · Spend ₹15,000 within the first 90 days
Spend milestones · 2 items
10,000 points at ₹4 lakh
10,000 reward unitsUnlocked after ₹4,00,000 of eligible spending.
Conditions: Reach ₹4,00,000 per card anniversary year
₹20,000 Taj Stay voucher at ₹7 lakh
Recorded value ₹20,000Unlocked after ₹7,00,000 of eligible spending.
Conditions: Reach ₹7,00,000 per card anniversary year
Airport lounge access · 2 items
Domestic lounge access
Usage-based value2 visits per quarter through Issuer card. Guest access: not specified. A ₹70,000 transitional requirement applies for Q4 2026; GainFair uses the ongoing ₹1 lakh condition.
Conditions: Spend ₹1,00,000 per calendar quarter
Complimentary Priority Pass membership; international lounge visits are chargeable
Shown without a cash value
Travel privileges · 1 item
Travel and Taj hotel redemption choices under the Platinum Travel Collection
Shown without a cash value
Insurance and protection · 1 item
Zero lost-card liability when reported within the published time limit
Shown without a cash value
Fuel benefits · 1 item
Zero HPCL fuel convenience fee below ₹5,000; a 1% convenience fee applies at ₹5,000 and above
Shown without a cash value
Memberships · 1 item
Complimentary Priority Pass membership; international lounge visits are chargeable
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Restricted application availability
Shown without a cash valueApplication availability: temporarily unavailable. Published minimum monthly income: ₹50,000. The recorded threshold is ₹6 lakh annual personal income; final approval remains with American Express.
Other benefits · 1 item
Emergency card replacement and 24x7 American Express customer care
Shown without a cash value
Other categories (6)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗
What stands out
- ✓ 10,000 Membership Rewards milestone points at ₹4 lakh eligible annual spend
- ✓ ₹20,000 Taj Stay voucher at ₹7 lakh eligible annual spend
- ✓ Two domestic airport lounge visits per quarter; spend conditions apply from 1 October 2026
- ✓ Priority Pass membership is included, but international lounge visits remain chargeable
What to watch
New applications are temporarily paused. Reward Multiplier ends on 30 September 2026; GainFair does not count it as an ongoing earn route.
Recorded exclusions
Fuel Commute · Bills Utilities · Insurance · Wallet load · Rent · Cash withdrawal · Pos emi
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026 · Latest recorded change effective 1 Oct 2026