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AMERICAN EXPRESS BANKING CORPORATION
American Express Platinum Travel Credit Card
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Verified Catalog
Source: AMERICAN EXPRESS BANKING CORPORATION Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
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.
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Welcome Gift of 10,000 Membership Rewards Points.
Highlight 2
1 Membership Rewards Points for every ₹ 50 spent.
Highlight 3
Rewards Points-based Milestone benefits on reaching milestones like expenditure of ₹ 1.9 lakh / 4 lakh in a membership year.
Highlight 4
Complimentary Taj Stay voucher on expenditure of ₹ 4 lakh in a membership year.
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹3,500
The front-loaded charge when you apply.
Annual fee
₹5,000
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹1,350
Club Vistara Points/EDGE Reward Points value at ~₹0.25 per point.
Annual Fee: ₹5,00027% Offset
Earns back 27% of your renewal fee.
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"Unlimited access"
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
"Complimentary Priority Pass, Accor Traveller, Taj Epicure Membership"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
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."
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"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."
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- APR: 3.5% per month
- Rewards Type: Club Vistara Points/EDGE Reward Points
- Welcome Offer: Welcome Gift of 10,000 Membership Rewards Points.
- 1 Membership Rewards Points for every ₹ 50 spent.
Cons
- Complimentary Taj Stay voucher on expenditure of ₹ 4 lakh in a membership year.
- 0% convenience fee at all HPCL fuel stations across India.
- Domestic Airport: Unlimited access
- International Airport: Unlimited access via Priority Pass
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