American Express Platinum Travel Credit Card
American Express Banking Corp. · Applications paused
A premium Amex travel card with Membership Rewards points (1 per ₹50), a 10,000-point welcome bonus, spend milestones with a Taj voucher, and spend-gated domestic lounge visits. New applications are paused.
- Annual fee
- ₹5,000 + GST a year
- Joining fee
- ₹5,000 + GST
- Base rate
- All other spends and telecom, 1 point per ₹50: 1 Membership Rewards points per ₹50 (about 0.5% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter after ₹70,000 spend
- Forex markup
- 3.5%
- Data
- From bank documents, checked 20 Oct 2026
Earns nothing on
- No points on fuel, insurance or utility bills
- No points on cash advances, express cash, drafts or balance transfers
- No points on EMI chosen at a merchant website or terminal
Where the sources disagree
- Fuel convenience fee: The generic rewards listing still says 0% under ₹25,000 and 0.3% above. The fee schedule (2025-08-31) and the card's product page give 0% under ₹5,000 at HPCL and 1% from ₹5,000. We use the schedule and the card page; the listing looks stale.
Terms the calculator does not value
- Membership Rewards points are valued only at statement credit (₹0.25). eVouchers, pay with points and transfers to partner programmes are available, but Amex publishes no transfer partners or ratios and no point prices for them, so they are not valued. Third-party reports of 2026 ratio changes are unverified.
- The Platinum Travel Collection (milestone points are "redeemable for" it) has no point prices in the retrieved text.
- Travel With Points is temporarily paused from 2026-01-27.
- The late payment fee is 30% of the minimum amount due (minimum ₹500, maximum ₹1,000) per the schedule's table, but the footnote charges it when the full amount due is unpaid. The format has no field for a percentage fee, so it is described in the issuer's charges note.
- Eligible spend for the milestones excludes cash advances, express cash, drafts, balance transfers and fees, and is net of returns (product page footnote 9); fuel, insurance and utility spends are not excluded, so all other spend is counted.
- Cash withdrawal services are temporarily suspended in India (date not found). The ₹10 minimum on the BPCL, IndianOil and other-OMC fuel fees is not applied.
- From 2026-11-15 points are kept per card, cannot move between cards, and stop earning and redeeming while a payment is overdue past the next statement date.
Sources
- American Express India travel rewards cards listing (Platinum Travel) (Product page, the bank's own, read 20 Oct 2026)
- American Express India rewards cards listing (Membership Rewards and others) (Product page, the bank's own, read 20 Oct 2026)
- American Express Membership Rewards Program Terms and Conditions (no version date in the extracted text) (Reward terms, the bank's own, read 20 Oct 2026)
- Schedule of Fee and Charges (updated as on 2025-08-31) (Schedule of charges, the bank's own, read 20 Oct 2026)
- American Express Platinum Travel Credit Card product page (Product page, the bank's own, read 20 Oct 2026)
- Your American Express experience is evolving (changes from 2026-11-15) (Bank notice, the bank's own, read 20 Oct 2026)