American Express Platinum Travel Credit Card
American Express Platinum Travel Credit Card
Welcome Gift of 10,000 Membership Rewards Points.
1 Membership Rewards Points for every ₹ 50 spent.
Rewards Points-based Milestone benefits on reaching milestones like expenditure of ₹ 1.9 lakh / 4 lakh in a membership year.
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Welcome Gift of 10,000 Membership Rewards Points. 1 Membership Rewards Points for every ₹ 50 spent. Rewards Points-based Milestone benefits on reaching milestones like expenditure of ₹ 1.9 lakh / 4 lakh in a membership year. Complimentary Taj Stay voucher on expenditure of ₹ 4 lakh in a membership year. 8 domestic airport lounge access every year (max 2 per quarter). 0% convenience fee at all HPCL fuel stations across India.
Joining Fee
₹3500
Annual Fee
₹5000
Rating
5.0/5.0(0 reviews)
Key Features
Welcome Gift of 10,000 Membership Rewards Points.
1 Membership Rewards Points for every ₹ 50 spent.
Rewards Points-based Milestone benefits on reaching milestones like expenditure of ₹ 1.9 lakh / 4 lakh in a membership year.
Complimentary Taj Stay voucher on expenditure of ₹ 4 lakh in a membership year.
8 domestic airport lounge access every year (max 2 per quarter).
0% convenience fee at all HPCL fuel stations across India.
Rewards Program
Base Rewards
Reward Type
Club Vistara Points/EDGE Reward Points
Base Reward Rate
1 Membership Rewards Points for every ₹ 50 spent
Point Value
1 Reward Point = ₹0.25
Points Expiry
N/A
Bonus Rewards
Welcome Offer
Welcome Gift of 10,000 Membership Rewards Points. 1 Membership Rewards Points for every ₹ 50 spent. Rewards Points-based Milestone benefits on reaching milestones like expenditure of ₹ 1.9 lakh / 4 lakh in a membership year. Complimentary Taj Stay voucher on expenditure of ₹ 4 lakh in a membership year. 8 domestic airport lounge access every year (max 2 per quarter). 0% convenience fee at all HPCL fuel stations across India.
Accelerated Rewards
5X EDGE reward points on international spends and premium retail merchants.
Card Benefits
Travel Benefits
Unlimited access
Complimentary Priority Pass, Accor Traveller, Taj Epicure Membership
Dining & Entertainment
Up to 20% discount at select restaurants.
Complimentary movie tickets on international spends above threshold amount.
Lifestyle & Protection
Special offers at premium retail outlets and brand partnerships.
Comprehensive travel insurance up to ₹3 crore, lost card liability protection, and purchase protection insurance.
Complimentary golf games at premium courses across India (up to 4 rounds per month).
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | 1500 |
| Foreign Currency Markup | 3.5% of the transaction amount |
| Cash Advance Fee | 3.5% of the transaction amount subject to a minimum charge of ₹ 250. |
| APR | 3.5% per month |
| Late Payment Fee | Nil for balances up to ₹100; ₹100 for balances from ₹101-₹500; ₹500 for balances from ₹501-₹1000; ₹750 for balances above ₹1000 |
| Fuel Surcharge | No fuel surcharge at HPCL fuel stations for transactions of up to ₹ 5,000, 1% surcharge on transactions above ₹ 5,000 |
| Balance Transfer Charges | Not applicable |
Additional Charges
Statement & Processing
Duplicate Statement Charges
₹100 per statement
Dynamic Currency Conversion Fee
0.035
EMI Charges
Processing fee applies
Loan Processing Fee
Not applicable
Outstation Processing Charge
25
Additional Fees
Overlimit Fees
2.5% of the over limit amount (minimum ₹500)
Payment Return Charges
₹250 per Returned Instrument
Railway Ticket Purchase Fee
Not applicable
Card Reissue Fee
As per bank's standard charges
Rent Pay Transactions
0.01
Rewards Redemption Fee
Nil
Fee Waiver Conditions
Annual fee waived on spending ₹15 lakh in the previous year
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
Membership Rewards Points can be redeemed for online shopping vouchers, INSTA rewards for offline purchases, transfer to various flight and hotel loyalty programmes and for making credit card bill payments under the Cash + Points scheme.
Expert Opinion
Pros For frequent flyers, this card offers 12 domestic lounge visits and a Priority Pass membership. You would get 11,000 Membership Reward Points on the realization of card joining fees. Cons Although the joining fee is ₹ 5,000, the annual fee chargeable from the second year is ₹ 10,000.
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