American Express Platinum Travel
The American Express Platinum Travel Credit Card is a premium travel card offering high reward rates through milestone benefits, lounge access, and Taj hotel vouchers.

American Express Platinum Travel
Intro Offer
10,000 Membership Rewards Points
Annual Fees
₹5000
Joining Fees
₹3500
Reward Rate
2.00 - 2.00 %
RewardMatrix Rating
4.5
Card Overview
Intro Offers
10,000 Membership Rewards Points
Condition: Spend ₹15,000 within 90 days of card membership.
Fees
₹5K
₹3.5K
3.5%
Eligibility
- #1
Credit Score
750 or above (recommended)
- #2
Annual Income
₹6 Lakh and above
- #3
Residency
Indian permanent residential address
- #4
Bank Account
Savings or current account at an Indian or multinational bank in India
Reward Points
Total retail spend in a month
1.00 Membership Rewards Points for every ₹50 spent
Examples:
-
Spending ₹10,000 on retail purchases earns you 200 Membership Rewards Points.
-
Spending ₹2,00,000 (above the ₹1.9 Lakh milestone) earns 4000 points + 15000 bonus points = 19000 Membership Rewards Points.
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Spending ₹5,00,000 (above the ₹4 Lakh milestone) earns 10000 points + 15000 + 25000 bonus points = 50000 Membership Rewards Points.
Exclusions:
Fuel
Insurance
Utilities
Cash Transactions
EMI Conversion at POS
Milestones
15,000 bonus Membership Rewards points redeemable for Flipkart voucher or Pay with Points option in American Express® Travel Online platform worth Rs. 4,500
Spend ₹1.90 Lakhs in a card membership year.
25,000 bonus Membership Rewards Points redeemable for Flipkart voucher or Pay with Points option in American Express® Travel Online platform worth Rs. 7,500 and Taj Stay voucher worth Rs. 10,000
Spend ₹4 Lakhs in a card membership year.
Redemptions
AIRLINE PARTNERS
| Airline Partner | Conversion Rate | Multiplier | |
|---|---|---|---|
| Cathay Pacific (Asia Miles) | 800 Points = 400 Asia Miles | x0.5 | |
| British Airways (Avios) | 1,200 Points = 600 Avios | x0.5 | |
| Emirates | 800 Points = 400 Emirates Skywards Miles | x0.5 | |
| Etihad Airways | 1,600 Points = 800 Etihad Guest Miles | x0.5 | |
| Qatar Airways | 500 Points = 250 Avios | x0.5 | |
| Singapore Airlines | 800 Points = 400 KrisFlyer Miles | x0.5 | |
| Virgin Atlantic | 800 Points = 400 Virgin Points | x0.5 |
HOTEL PARTNERS
| Hotel Partner | Conversion Rate | Multiplier | |
|---|---|---|---|
| Hilton Honors | 1,000 Points = 900 Hilton Honors Points | x0.9 | |
| Marriott Bonvoy | 100 Points = 100 Marriott Bonvoy Points | x1 |
GIFT VOUCHERS
| Partner Brand | Conversion Rate | Multiplier | |
|---|---|---|---|
| Flipkart | 18,000 Points = Rs. 6,000 Flipkart Voucher | x0.33 | |
| Amazon | 18,000 Points = Rs. 6,000 Amazon Gift Card | x0.33 | |
| Flipkart | 24,000 Points = Rs. 8,000 Flipkart Voucher | x0.33 | |
| Amazon | 24,000 Points = Rs. 8,000 Amazon voucher | x0.33 | |
| Taj Hotels | 18,000 Points = Rs. 9,000 Taj Voucher | x0.5 | |
| Taj Hotels | 24,000 Points = Rs. 14,000 Taj Voucher | x0.58 |
Rewards Calculator
Total retail spend in a month (₹)
2.00% rewards
OR
OR
Lounge Access
2 complimentary visits per quarter.
Priority Pass Membership (USD 99 fee waived, usage fees apply)
Discounts
Up to 20% off at partner restaurants
0% convenience fee at HPCL fuel pumps (transactions below ₹5,000)
- Transactions below ₹5,000 at HPCL pumps
Insurance Coverage
No insurance coverage available on this card.
Other Features
Concierge Services
- Platinum Assist
- Emergency card replacement
EMI Conversion
Available for purchases of ₹5,000 or above
Fraud Protection
Zero Lost Card Liability (if reported within 3 working days)
Pros & Cons
High Milestone Rewards
Earn substantial bonus Membership Rewards points by reaching spending milestones.
Taj Hotel Vouchers
Receive valuable Taj hotel vouchers upon reaching the highest spending tier.
Domestic Lounge Access
Enjoy complimentary access to domestic airport lounges.
Flexible Rewards Redemption
Redeem points for travel, shopping, or transfer to loyalty programs.
-
Moderate Annual Fee
The annual fee might be a concern for those who don't maximize the card's benefits.
-
No Complimentary International Lounge Access
International lounge access requires paying a usage fee with the Priority Pass.
-
No Insurance Benefits
Lacks travel insurance coverage commonly found in other travel cards.
Who should get this card
This card is ideal for individuals who: - Are frequent domestic travelers. - Can consistently spend enough to reach the milestone benefits. - Value Taj hotel stays and other travel rewards. - Frequently use Flipkart for online shopping. - Are comfortable with a moderate annual fee in exchange for potentially high rewards.


