American Express® Platinum Travel Credit Card
Fees
₹5,000 + Taxes
Joining & AnnualReward 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 Access
8 Domestic/yr (2/Qtr) + Priority Pass
FindMyCard 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 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
Editorial Verdict
The American Express® Platinum Travel Credit Card is ideally suited for milestone travel vouchers & taj hotel privileges. If you want 1 membership rewards point per ₹50 spent (2% base, up to 2.85% with milestones), this card delivers real value. The ₹5,000 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (730+) credit to be approved.
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
🚀 Milestone Spends Timeline
Milestone Taj vouchers & travel gift cards worth ₹30,000+
Fees & Charging Rates
Annual Fee Waivers
₹5,000 + Taxes
💡 Milestone Taj vouchers & travel gift cards worth ₹30,000+
Regular Interest Charges
3.5% per month (42% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹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
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 (2/Qtr) + 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 |