American Express Platinum Travel Credit Card

Annual feeJoining feeRenewal fee

₹5,000 + GSTRs. 5,000 plus applicable taxes in the first year; Rs. 5,000 plus applicable taxes from the second year onwards

Add-on card fee

Up to 2 Supplementary Cards at no extra cost; ₹1,500 for each Supplementary Card thereon

Welcome benefit

Welcome Gift of 10,000 Membership Rewards points redeemable for Platinum Travel Collection.

Reward rate

1 Membership Rewards Point per ₹50 · everyday spends1 Membership Rewards Point for every ₹50 spent (except spend on fuel, insurance, utilities, cash transactions and EMI conversion at point of sale)

EMI spend earning

You will not earn Membership Rewards Points on any EMI option selected from a merchant’s website e.g.

Fuel earning

You will not earn Membership Rewards Points on fuel.

Insurance spend earning

You will not earn Membership Rewards Points on your American Express Card for all your spending on fuel, insurance and utility (electricity, water and gas bills) payments.

Utilities earning

You will not earn Membership Rewards Points on utility (electricity, water and gas bills) payments.

Reward exclusions

No points on Fuel; Insurance; Utilities.

Point expiry

Membership Rewards points will no longer expire till the Card is active and in good standing; forfeited within 30 days of Card cancellation

Domestic lounge access

Effective 1 October 2026: 2 complimentary domestic lounge visits per calendar quarter upon reaching eligible spends in the preceding quarter (₹70,000 in Q3'26 for Q4'26 visits; ₹1 Lakh per quarter from Q4'26 onwards)

International lounge access

Complimentary Priority Pass membership with the US $99 annual membership fee waived off; Cardmember/accompanied guest has to pay a usage fee, charged per the prevailing retail rate.

Priority Pass

Complimentary membership to Priority Pass, with the US $99 annual membership fee waived off; Cardmember/accompanied guest has to pay a usage fee.

Dining programme

Discounts of up to 20% at select restaurants

Milestone benefits

Spend ₹4 Lakhs in a Card Membership year and get 10,000 Membership Rewards points; Taj Experiences E-Gift Card worth ₹20,000 on reaching eligible spends of ₹7 Lakhs in a Card Membership year.

Retention or continued-access criteria

In case of non-use i.e. no activity / transaction on the Card during the preceding one year, AEBC will close the concerned Card (s) and linked Supplementary Card (s)

Minimum spend rules

Welcome Gift is available only in the 1st year on payment of the annual fee and on spending ₹15,000 within 90 days of Cardmembership

Fuel surcharge waiver

0% Convenience fee on fuel purchase at HPCL for transactions less than ₹5,000; 1% Convenience fee for transactions of ₹5,000 and above, per transaction.

Surcharge on railway tickets

1.8% of the transaction value if booked on the internet (IRCTC) subject to a minimum of ₹10

Air accident cover

Air accident insurance: Not Applicable for this card (listed under Other Credit Cards)

Credit shield cover

Waiver of outstanding up to ₹50,000 on the Card in case of death of the Basic Cardmember

Lost card liability

Zero Lost Card Liability

Purchase to EMI conversion

Split the payment and not the joy.

Forex markup

3.5% on foreign currency transactions.

Cash advance fee

3.5% of the Cash Advance Amount, subject to a minimum of ₹250

Cash advance interest

3.5% Monthly, 42% Annually

Cash withdrawal limit

Up to USD 333 or its equivalent, or 20% of credit limit, whichever is lower, every 14 days; cash withdrawal services temporarily suspended in India

Interest on unpaid balance

Finance Charges For Goods & Services, Cash & Balance Transfer: 3.5% Monthly, 42% Annually.

Interest-free period

Up to 48 days free credit without any Interest Charges

Late payment fee

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

Payment return or dishonour fee

₹250 per Returned Instrument

Statement or duplicate statement fee

₹100 per statement for statements older than 3 months.

What the card's fee or benefit year means

Year is defined as 12 months from the date of card issuance/renewal.

Fuel transaction fee

0% Convenience fee on fuel purchase at HPCL for transactions less than ₹5,000; 1% Convenience fee on fuel purchases per transaction is applicable for all transactions of ₹5,000 and above.

GST note

Charges are exclusive of the applicable tax which is billed along with the fee

Minimum amount due

Sum of 5% of the principal amount or minimum of ₹100 whichever is greater and the total sum of any Card Fees, Charges, Taxes and Interest

Address the applicant must have

Permanent residential address in India.

Age the primary cardholder must be

Over 18 years of age.

Bank account the applicant must hold

Indian or multinational bank’s savings or current account in India.

Cities the card is issued in

American Express Cards are currently issued to residents of Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodra, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum and Mysuru subject to condition

Credit history the applicant must have

Good credit history and no payment defaults.

Income requirement

Personal annual income of ₹6 Lacs or above (for both Salaried, Self Employed)

Income, salaried

₹6 Lacs or above per annum.

Income, self-employed

Personal annual income of ₹6 Lacs or above for self-employed applicants too; the company must have been trading for more than 12 months.

Minimum age

18 years

Residency

Resident Indian as defined under the Income Tax Act of India