American Express® Platinum Travel Credit Card
Fees
₹5,000 + Taxes
Joining & annual
Reward Rate
1 Membership Rewards Point per ₹50 spent (2% base, up to 2.85% with milestones)
Welcome Bonus
20,000 Membership Rewards Points on ₹1.9 Lakh spend; ₹20,000 Taj Experiences e-Gift Card on ₹7 Lakh annual spend
Lounge
8 Domestic/yr (₹1L Qtr Spend) + Priority Pass
Our Expert Take
The American Express® Platinum Travel Credit Card from American Express offers Milestone Travel Vouchers & Taj Hotel Privileges with an annual fee of ₹5,000 + Taxes.
Pros & Cons
Key Advantages
- ₹20,000 Taj Experiences e-Gift Card on ₹7 Lakh annual spend
- 8 domestic lounge visits/year (conditional on ₹1 lakh spend in the preceding quarter, effective Oct 2026) plus a complimentary Priority Pass membership
- Effective reward rate up to 2.85% including milestone bonuses
- Fee waiver threshold (Milestone Taj vouchers & travel gift cards worth ₹30,000+)
Limitations
- Milestone rewards were devalued in 2026 — the ₹1.9 Lakh tier was removed
- From October 2026, domestic lounge access depends on prior-quarter spend
- ₹7 Lakh spend is needed for the top-tier Taj voucher
Key Perks & Spending Milestones
Accelerated reward earn rate on travel purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
Spend milestone
Milestone Taj vouchers & travel gift cards worth ₹30,000+
Fees & Charges
Joining fee
₹5,000 + Taxes
Annual fee
₹5,000 + Taxes
Milestone Taj vouchers & travel gift cards worth ₹30,000+
Interest rate
3.5% per month (42% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
Did Amex Platinum Travel's lounge access change in 2026?
Did the milestone rewards on this card change too?
Is Amex Platinum Travel still worth it after these changes?
Compare American Express® Platinum Travel Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| American Express® Platinum Travel Credit Card This Card | ₹5,000 + Taxes | 1 Membership Rewards Point per ₹50 spent (2% base, up to 2.85%... | 8 Domestic/yr (₹1L Qtr Spend) + Priority Pass | 4.8/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |