Make Every Travel Rewarding With the American Express Platinum Travel Card

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

14 Apr 26
6 mins

Shreyansh Singh

08 Mins
14-04-26

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Table of Contents

American Express Platinum Travel Card Benefits
Accessible Domestic Lounge with the Amex Platinum Travel Card
American Express Platinum Travel Card Rewards Program
American Express Platinum Travel Card EMI Application Process
American Express Platinum Travel Card Charges
Amex Platinum Travel Card Eligibility

Earn 10,000 welcome points on spending ₹15,000.
Earn 10,000 points by reaching the milestone of ₹4 lakh spent.
Receive ₹10,000 Taj voucher as milestone rewards.
Enjoy 8 domestic lounge visits every year.
Get a complimentary Priority Pass Membership.

The American Express Platinum Travel Card is a strong option for people who travel often for work or leisure. It offers a welcome gift of 10,000 Membership Rewards points after spending ₹15,000 within 90 days.

The joining and annual fee is ₹5,000+taxes. Cardholders also get access to 24/7 Platinum Assist and emergency card replacement services worldwide. This card suits users who want travel rewards with reliable global support.

Excited to explore the other features of the American Express Platinum Travel Card? Keep reading!

American Express Platinum Travel Card Benefits

Enjoy premium services like zero lost card liability, Platinum support, and contactless payments for smooth usage. These features improve safety and convenience. Here are more benefits of this credit card:

Airport Lounge Access: Get 8 complimentary domestic lounge visits per year across India with 2 visits per quarter.
Priority Pass Membership: Priority Pass membership is complimentary, and the annual fee of $99 is waived.
Dining and Lifestyle Offers: Enjoy up to 20% discount at select restaurants. Access 100+ offers across categories.
Fuel Benefit: American Express Platinum Travel Card fee waiver for fuel transactions is available at HPCL below ₹5,000, while 1% fee applies on higher transactions.
Easy EMI Payment Option: Convert large purchases into easy EMIs. Pay in smaller parts without affecting your monthly budget.

Accessible Domestic Lounge with the Amex Platinum Travel Card

You will have to pay ₹2.00 on the Amex ECD terminal at the domestic lounge as an authorisation charge.

City	Airport	Lounge
Bangalore	Kempegowda International Airport	TFS Intl BLR
Chennai	Chennai International Airport	Travel Club Lounge
Mumbai	Chhatrapati Shivaji Maharaj International Airport	Oasis
New Delhi	Indira Gandhi International Airport	Encalm Lounge
Kolkata	Netaji Subhas Chandra Bose International Airport	Travel Club Lounge
Hyderabad	Rajiv Gandhi International Airport	Encalm Lounge
Chandigarh	Shaheed Bhagat Singh International Airport	Primus Lounge

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American Express Platinum Travel Card Rewards Program

Earn 1 Membership Rewards Point for every ₹50 spent on most transactions, excluding fuel, insurance, utilities, cash use, and EMI conversions.

You also earn bonus points on milestone spends during the year:

Milestone Spends	Bonus Rewards
₹1.9 Lakh	7,500 MR Points
₹4 Lakh	10,000 MR Points
₹7 Lakh	22,500 MR Points

💡While you keep track of your monthly spending to earn bonus points, let Pice App keep track of your credit card bill payment dates. Link all your credit cards and get monthly payment alerts. Never miss a payment due date again.

American Express Platinum Travel Card EMI Application Process

You can convert purchases of ₹5,000 or more into easy EMIs with flexible repayment options.

Wondering what the available Amex Platinum Travel Card EMI options are?

Pre-Purchase EMI

Choose the option at checkout.
Select tenures of 3, 6, 9, 12, 18, or 24 months.
Interest Rate is 1.17% monthly.

Post-Purchase EMI

Choose this option for completed transactions.
Repayment options from 3 to 24 months.
The interest rate is 1.33% monthly.

Note: Apply through SMS, online form, or Amex app chat for Post-Purchase EMI easily.

American Express Platinum Travel Card Charges

The Amex Platinum Travel Credit Card charges 3.50% interest each month. This rate rises to 3.99% if you default on payments.

Other key fees to watch out for on this card include:

Parameters	Charges
Cash Advance Fee	3.5% or min. ₹250
Cheque/ECS/NACH Return Fee	₹250
Foreign Currency Transactions	3.50%
Duplicate Statement Fee	₹100
Cash Withdrawal Limit	$333 or 20% of credit limit, whichever is lower; every 14 days.
Late Payment Charges	30% of MAD.Min. ₹500 and max. ₹1,000

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Amex Platinum Travel Card Eligibility

Applicants must be Indian residents as per Income Tax rules with a valid residential address. Inform the bank in case of any change in residency status. Card issuance remains limited to select locations.

Other criteria include:

Salaried and self-employed individuals must earn ₹6 lakhs or more annually.
Having a savings or current account with an Indian or multinational bank.
The applicant’s age must be 18 years or above.
A clean credit record with no missed payments.
Self-employed applicants must run their business for over 12 months.

💡Do you own multiple credit cards? Remembering credit card bill payment dates can be daunting. Let the Pice App remember them for you. Link all your cards and get payment alerts. You can even pay securely through the app and track payment status.

Footnotes

Usage of the Amex Platinum Travel Card international lounge access via Priority Pass Membership is chargeable for the cardholder and guests.
Membership Rewards Points stay valid as long as your card remains active. Points get forfeited within 30 days after card cancellation.
Fuel transactions charge 1% of value with minimum ₹10+taxes at BPCL and IOCL, while 2.5% with minimum ₹10+taxes applies at other stations except HPCL.
Redeem 7,500 and 10,000 MR points on Platinum Travel Collection. 22,500 MR points can be redeemed through the Collection and a ₹10,000 Taj stay voucher.
Taj hotel stay vouchers remain valid for 360 days and are subject to room availability across partner properties in India.

FAQs

What is the liability for unauthorised card transactions?

If reported within 3 working days, liability stays zero. After that, maximum liability is limited to ₹1,000 for any unauthorised transaction.

How to use contactless payment on this card?

Tap your card on a contactless reader to pay. For transactions below ₹5,000, no PIN is required for quick payments.

What are the EMI charges on this credit card?

Post-purchase EMI includes a 2% processing fee plus taxes. A ₹199+taxes fee applies on EMI conversions at the point of sale.

How can I redeem the Taj stay vouchers?

Book through Taj Reservations by calling 1800 111 825 or +91 22 66011825. You can also use official hotel websites or email reservations@ihcltata.com.

How to contact American Express Platinum Travel Card support?

Call 1800 419 2122 from India via mobile or landline. For international calls, dial +91 0124 670 2929 or connect through the Amex app.

What are the supplementary card charges on this card?

You can get up to 2 supplementary cards at no extra cost. Each additional supplementary card beyond that costs ₹1,500.

Which cities support the Amex Platinum Travel Card application?

This card is available in select cities such as Bangalore, Surat, Pune, Delhi/NCR, Nagpur, Chennai, Indore, Mysuru, Ahmedabad, Mumbai, Hyderabad, Coimbatore, Jaipur, Lucknow, Ludhiana, Nasik, Vadodara, Chandigarh, and Trivandrum.