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American Express Platinum Travel Credit Card

★★★★☆(4.5)

If you are a frequent traveller and looking for a credit card that rewards you for your trips, the American Express Platinum Travel Credit Card is worth considering! This card has a joining fee of ₹3,500 and an annual fee of ₹5,000 and offers a reward rate of 3% to 7.5%. As a welcome bonus, you will receive 10,000 Membership Rewards Points that can be redeemed for Flipkart vouchers or travel bookings. Not just that, you will enjoy premium travel benefits, such as travel vouchers, free airport lounge access, and perks with popular hotels like Taj, SeleQtions, and Vivanta Hotels. Keep reading to know how this card can enhance your travel experience.

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American Express Platinum Travel Credit CardFromSBI Bank
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Features and Benefits

Aspects that make spending using this card lit as the sun!

✔Welcome Bonus
✔Travel
✔Fuel
✔Rewards
✘Shopping
✘Cashback
✔Dining
✘Insurance
✘Interest
Welcome Bonus
Welcome Bonus
  • 10,000 membership points redeemable for Flipkart Voucher or Amex Travel.
  • Note: Applicable on spending ₹15,000 within 90 days of Card membership.
Travel Benefit
Travel Benefit
  • E-Gift Card worth ₹10,000 from Taj, Vivanta and SeleQtions Hotels.
Milestone Benefit
Milestone Benefit
  • Note: ATO benefits mean Amex Travel Online benefits which are applicable on spending done in a card membership year.
  • Additional Flipkart voucher or ATO benefits worth ₹4,500 on spending ₹1.90 lakhs.
  • Additional Flipkart voucher or ATO benefits worth ₹7,000 on spending ₹4 lakhs.
Reward Points
Reward Points
  • Reward Rate: 3% to 7.5%
Lounge Access
Lounge Access
  • 2 Complimentary airport lounges per quarter across India.
Fuel Surcharge
Fuel Surcharge
  • 0% fee on fuel transactions of up to ₹5,000 at HPCL outlets.
  • 1% fee on fuel transactions of more than ₹5,000 at HPCL outlets.
EMI Benefit
EMI Benefit
  • Flexibility of converting transactions of ₹5,000 or above into easy EMIs.
Dining Benefit
Dining Benefit
  • Up to 20% off at partner restaurants.
Zero Lost Card Liability
Zero Lost Card Liability
  • Users liability is Nil if the fraud is reported within 3 days.
  • Max. liability of ₹1,000 if the fraud is reported beyond 3 days.
Other Benefit
Other Benefit
  • Missing- EMI Benefit offered by the card.
  • Complimentary membership to Priority pass.
  • 24x7 Card Related Assistance.
  • Emergency Card Replacement.
Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹3,500

Annual Fee

₹5,000

Annual Percentage Rate

42%

Add-on Card Fee

₹1500

Minimum Repayment Amount

5%

Cash Withdrawal Fee

0

Cash Advance Limit

NA

Card Replacement Fee

Nil

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹0.50

Late Payment Charges

30%of Minimum Amount Due subject to minimum of ₹500 and maximum of ₹1,000
Pros

Aspects that make this credit card amazing.

  1. ⮚No expiry of Reward Points.
  2. ⮚It offers discounts on dining at selected restaurants.
  3. ⮚The card gives reward points, fuel and other spends.
  4. ⮚It has zero lost card liability.
Cons

Aspects this credit card lacks.

  1. ⮚No concierge services other than card assistance.
  2. ⮚Convenience fee of ₹99 is levied on the EMI conversions.
  3. ⮚The card is available in selected cities only.
  4. ⮚Membership points can not be earned on spending on fuel, insurance and utility.

American Express Platinum Travel Credit Card Review

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

The American Express Platinum Travel Credit Card is a travel-focused credit card that offers travel benefits such as access to airport lounges, hotel vouchers, and complimentary upgrade benefits. Besides this, it also offers some other perks like fee waiver on fuel, rewards on shopping, and discounts on dining. As American Express Platinum Travel is a premium category credit card, it also charges a high amount of ₹5,000 in the form of an annual fee. But since these benefits are also available among the medium-category credit cards that don't even charge such a high amount, users can also consider other cards with more attractive benefits like 24x7 concierge services, access to golf courses, entertainment benefits, and much more.

Cards similar to American Express Platinum Travel Credit Card:

1. Citi Premier Miles Credit Card 2. SBI Elite Credit Card 3. Standard Chartered Ultimate Credit Card

Overview

Best forRewards & Travel
Joining Fee₹3,500 + Applicable Taxes
Annual Fee₹5,000 + Applicable Taxes
Welcome Benefits10,000 membership points
Card NetworkAmerican Express

American Express Platinum Travel Credit Card Maximum Cashback

CategoriesReward Points
On every ₹50 spent1 point
On Spend of ₹1.90 lakhs15,000 points
On spend of ₹4 lakhs25,000 points

Who should get an American Express Platinum Travel Credit Card?

Users who frequently spend a lot on traveling, daily expenses, shopping, and dining and also desire to receive reward points for spending money on these categories may find the American Express Platinum Travel Credit Card to be quite beneficial. And since the Amex Platinum Travel Credit Card comes with a substantial annual fee, it is an ideal choice for customers looking for such benefits and is comfortable bearing the high fee in exchange for these perks.

How to Apply for an American Express Platinum Travel Credit Card?

American Express Platinum Travel Credit Card Eligibility

  • Age: Minimum 18 Years
  • Occupation: Salaried or Self Employed
  • Income: Salaried: ₹50,000 p.m., Self-Employed: ITR > ₹6.0 Lakhs p.a.

Documents Required

  • Proof of identity: Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.