American Express® Platinum Travel Credit Card

Joining Fee: 

American Express charges a first year fee of Rs 3,500 + GST for issuing an Amex Platinum Travel card, whereas a renewal fee of Rs 5,000 + GST is applicable from second year of card membership onwards. 

Welcomes Benefit: 

American Express® Platinum Travel Credit Card offers 10,000 membership rewards points as a welcome gift that can be redeemed for Rs 3,000 either through pay with points option in the Amex Travel Online catalogue or for a voucher from Flipkart.

Travel Benefits:

• American Express® Platinum Travel Credit Card customers can qualify for a Flipkart voucher or travel benefit through Amex Travel Online of Rs 4,500 on exceeding a spend threshold of Rs 1.9 lakh in a card membership year. 
• Amex Travel Card members can also avail additional travel benefit or a Flipkart voucher of Rs 7,500 on surpassing spends of Rs 4 lakh in a card membership year. 
• Both these benefits are provided for spends recorded after 22 January 2021. Please note, any balance transfer, cash advances, annual/renewal fees, drafts made from the credit card account and express cash transactions are not accounted to calculate the spends in a card membership year. 

Lounge Access Benefit: 

American Express® Platinum Travel Credit Card allows a total of 8 complimentary airport lounge visits in a card membership year across India with two complimentary visits in each quarter. 

Taj Experiences E-Gift Card:

An e-gift card from Taj Experiences of Rs 10,000 is also available for Amex Travel Platinum card users which can be redeemed at partner hotels from Taj, Vivanta Hotels and SeleQtions.

Rewards Points on Amex Platinum Travel Card:

• With American Express Platinum Travel Credit Card, a user can earn 1 membership rewards point for every Rs 50 spent. Only a select few spends are qualified for membership rewards.
• Spends through Amex Platinum Travel card on fuel including petrol, diesel & CNG, utility bills of electricity, gas, water and payments of insurance premium. 
• Furthermore, all cash transactions and spends converted into EMIs at point of sale are also excluded for calculating the reward points. 

Bonus Rewards Points on Amex Platinum Travel Credit Card:

• Amex Platinum Travel credit card customers are also entitled to earn bonus membership rewards points on surpassing pre-defined milestones in a set time period. 
• The welcome gift of 10,000 membership rewards points on American Express® Platinum Travel Credit Card is only passed on to users who spend at least Rs 15,000 in the first 90 days of the card membership. 
• All the Amex Platinum Travel card holders are eligible for benefits worth up to Rs 5,000 on crossing a spend of Rs 1.90 lakh in a card membership year. 
• An American Express® Platinum Travel Credit Card user earns 15,000 membership rewards points on spending Rs 1.90 lakh in a card membership year. These points can be redeemed for a Flipkart voucher or utilised at Amex Travel Online. 
• Over and above the bonus membership rewards points, an Amex Platinum card member stands to earn 3,400 regular membership rewards points that can be redeemed for a value of Rs 1,200 in the form of a voucher of travel benefits. 

Premium Rewards Benefits on Amex Platinum Travel Card:

• A Taj stay voucher of Rs 10,000 is awarded to Amex Platinum Travel card members for achieving a spending of Rs 4 lakh in a card membership year. The stay voucher from Vivanta Hotels, SeleQtions and Taj is mailed to the registered address provided by the card member after the user crosses the minimum spend threshold. 
• Additionally, an American Express Platinum Travel credit card customer earns 25,000 membership rewards points worth Rs 7,500 that can be either redeemed for paying with rewards points on Amex Travel Online or a Flipkart voucher. 
• A spend of Rs 4 lakh in a card membership year also attracts 3,600 regular membership rewards points worth Rs 1,080 that can be redeemed for travel benefits or vouchers. 

Never Expiring Rewards Points on Amex Platinum Travel Card

• To sweeten the deal further, American Express has removed the rewards points expiry conditions from 3 May 2022 onwards. Therefore, the membership rewards points accrued onto the Amex Platinum Travel credit card doesn’t expire till the card remains active. 
• The membership rewards points get forfeited within a period of 30 days in case the card member or American Express cancels the Amex Platinum Travel credit card. 
• Apart from the restricted categories such as fuel, utility bills and EMI conversions, the American Express Platinum Travel credit card users can earn membership rewards points on all spending. 

Priority Pass Benefit on Amex Platinum Travel Credit Card:

• American Express® Platinum Travel Credit Card offers a complimentary Priority Pass membership as the annual membership fee of $99 is waived off for the primary cardholder.
• Guests accompanying the card member are required to pay a usage fee that is charged on the prevailing retail rate at the time of using Priority Pass services. 

Fuel Surcharge Waiver on Amex Platinum Travel Card: 

• American Express® Platinum Travel Credit Card doesn’t charges any convenience fee on fuel purchases at Hindustan Petroleum Corporation Ltd (HPCL) refuelling outlets for all the transactions below Rs 5,000. 
• However, a convenience fee of 1% is levied on all fuel transactions of Rs 5,000 and more at refuelling stations of HPCL, IOCL and BPCL. 

Zero-Cost Liability with Amex Platinum Travel Credit Card:

• American Express® Platinum Travel Credit Card holders of zero liability in case there is a fraudulent transaction or the credit card is used after being stolen or lost. 
• For any unauthorised transaction through Amex Platinum Travel card, the customer is not liable if the American Express receives the report of a fraud within 3 working days from the date of such transaction. 
• The maximum liability of an Amex Platinum Travel card is limited to Rs 1,000 if the fraud is reported after three working days from the date of incident. 

Amex Platinum Services: 

All the American Express® Platinum Travel Credit Card users can enjoy Platinum Assist and emergency card replacement, 24X7 across the world. 

Amex Contactless Payments:

American Express credit and charge cards are enabled for contactless payments. The transaction size is capped at Rs 5,000 for each contactless payment. Contactless payments through Amex Platinum Travel cards are processed without entering the personal identification number (PIN). 

Discounts with American Express® Platinum Travel Credit Card

• There are a bunch of credit card-exclusive offers and discounts on the Amex Platinum Travel card. To name a few.. 
• Card members will get a complimentary membership of Zomato Gold for a 3-month period. Flat 15% instant discount on a minimum transaction of Rs 3,500 at Café Delhi Heights. 
• Flat discount of Rs 250 on minimum transaction of Rs 800 which includes Rs 150 instant discount and Rs 100 cashback. 
• Additional 20% off up Rs 1,000 on dine-in bills with Paytm Restaurant Deals on a minimum payment of Rs 1,000. The discount is inclusive of taxes and the alcohol bill.

• Joining fee: Rs. 3,500 plus applicable taxes.
• Annual fee: Rs. 5,000 plus applicable taxes.
• Finance charges for goods & services, cash & balance transfer: 3.5% per month. 
• Interest: A revised interest rate of 3.99% per month will be charged if the Minimum Payment Due is not paid by the due date thrice in 12 months. 
• Cash advance fee: 3.5% of the cash advance amount, subject to a minimum of Rs. 250.

1. Age: The age of the applicant should be 18 years or above and should be resident of India. 
2. Credit Score: The individual should exhibit a prime credit score, preferably over 750 with no history of defaults on repayments. 
3. Minimum Income Requirement: The personal annual income of the individual should be more than Rs 6 lakh p.a. Self-employed individuals are mandated to showcase a trading history for the firm of over 12 months. 
4. Banking Relationship: The applicant should have a savings or current bank account with any Indian or foreign bank operating in India. 
5. Residential Status: Amex cards are only offered to people residing in Tier-1 and Tier-2 cities including Delhi-NCR, Mumbai, Kolkata, Chennai, Bangalore, Hyderabad, Ahmedabad, Jaipur, Pune, Chandigarh, Bhubaneshwar, Indore, Lucknow, Mysuru, Nagpur, Bhopal, Cuttack, Nasik, Coimbatore, Surat, Vijayawada, Vizag, Vadodara, Ludhiana and Ernakulam. 
6. Having a resident in these cities doesn’t necessarily mean that you can get an Amex credit or charge card. The final eligibility is defined by taking other factors into consideration.

American Express demands certain documents that can be submitted for KYC purposes of Amex credit cards and Amex charge cards. This includes… 

1. A passport size photograph. 
2. A user is mandatorily required to submit a copy of PAN. Those who don’t possess a PAN can provide a copy of Form 60. 
3. A copy of any one officially valid document is also required to meet the address proof and identity proof criteria from passport, Voter ID card, Job card issued by NREGA, Aadhaar card, a letter from the national population register (NPR) and a copy of driving license. 
4. Foreign nationals looking to obtain an Amex credit/charge card in India are required to furnish the documents issued by the respective Foreign Embassy of Mission in India and the documents provided by the departments of foreign government’s jurisdiction.

You can apply for an Amex Platinum Travel credit card directly through the American Express website and via MyMoneyMantra. 

American Express Credit Card Application Through Amex Online

Step 1: Go to American Express website, select the desired credit card that suits best according to your income levels, nature of expenses and the benefits offered.

Step 2: Provide your personal details including name, date of birth, email address, mobile number and complete residential address. 

Step 3: Quote your PAN, alongside the employment status. 

Step 4: Read the Terms & Conditions and tick the check box for agreeing the same.

Step 5: Click on ‘Agree & Continue’. 

American Express Credit Card Application Through MyMoneyMantra

Step 1: Go to MyMoneyMantra’s American Express credit card page,

Step 2: Click on ‘Apply Now’. You’ll be redirected to the American Express Platinum Travel credit card page. 

Step 3: Now you can fill in your personal credentials including your name, date of birth, phone number, email address and residential address. 

Step 3: After this, you will be required to share the PAN and employment status. 

Step 4: Tick the check box after reading the Terms & Conditions 

Step 5: Click on ‘Agree & Continue’. 

For American Express cards, an individual can select between an Amex credit card and Amex charge card. Also, you can check the latest credit score beforehand to make sure that your credit profile is in good shape.

With limited availability of charge cards in India, there are no absolute rivals. However, users exploring credit cards with premium lifestyle benefits can check for other similar cards that offer a bouquet of benefits, rewards, discounts and fee waivers.