Card Details
American Express® Platinum Travel Credit Card
Monzy Score
5.5/ 10
Decent for frequent travellers.
The ~₹5,000 fee needs heavy spend to justify; thin rewards outside its core category; high 3.5% forex markup.
Card Issuer
American Express
Joining Fee
₹5,000
Annual Fee
₹5,000
Reward Type
Reward Points
Card Access
Standard
Changes to this card
Offers from American Express
See allEarn Points
1 point/₹50
on eligible spends
7,500 MR Points
at ₹1.9 lakh annual eligible spending
10,000 points
additional points at ₹4 lakh annual eligible spending
22,500 points + ₹10,000 voucher
at ₹7 lakh annual eligible spending
Benefits
8 complimentary India lounge visits per year (2…
- 8 complimentary domestic airport-lounge visits per year
- Milestone rewards include a ₹10,000 Taj Experiences e-gift card
- 8 complimentary India lounge visits/year
- ₹10,000 Taj Experiences e-gift card at the ₹7 lakh milestone
Milestone rewards at ₹1.9 lakh, ₹4 lakh and ₹7…
- Milestone rewards at ₹1.9 lakh, ₹4 lakh and ₹7 lakh annual spending
- 7,500 Membership Rewards points at ₹1.9 lakh eligible spending
- Additional 10,000 Membership Rewards points at ₹4 lakh eligible spending
- Additional 22,500 Membership Rewards points and a ₹10,000 Taj Experiences e-gift card at ₹7 lakh eligible spending
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, insurance, utilities, cash, emi
Estimated Returns
All eligible spends
1 Membership Rewards point per Rs 50 spent. Large value comes from annual milestone bonuses (approx 10k MR + Taj voucher at Rs 4L; 22.5k MR + Rs 10k Taj at Rs 7L). Point value ~Rs 0.50 via travel/transfer redemption.
₹300
Total Annual Return
₹3,600
1% Effective ROIWhat Users Are Saying
Community Feed
Jul 2024
“Amex Travel Platinum - Worth it?”
by r/CreditCardsIndia, Jul 2024
“Is Amex Platinum Travel still worth it in India in 2026?”
by r/amexindia, Mar 2026
“Amex Plat Travel permanently discontinued?”
by r/CreditCardsIndia, Nov 2025
“Finally got American Express Platinum Travel Credit Card.”
by r/CreditCardsIndia, Jul 2025
“AMEX Platinum Travel credit card. Is it worth the price?”
by r/CreditCardsIndia, Jul 2025
Frequently Asked Questions
The joining fee is ₹3,500 plus GST and the renewal fee is ₹5,000 plus GST. There is no spend based waiver on this card, so the ₹5,000 is a fixed yearly cost you pay regardless of how much you spend.
Things to Keep in Mind
No reward points on fuel, insurance, utilities, cash transactions, and specified EMI types.
Milestone eligible spend excludes cash advances, express cash, drafts, balance transfer, fees, and is net of returns.
Priority Pass benefit waives membership fee only; usage charges still apply.
India lounge access is capped at 2 visits per quarter within 8 per year.
The ₹10,000 Taj Experiences e-gift card is available at the ₹7 lakh milestone.
HPCL fuel transactions of ₹5,000 or more incur a 1% convenience fee.
