Credit Card Compare

American Express® Platinum Travel Credit Card

Data last updated 25 October 2026
42.00%
Purchase rate
₹5,000
Annual fee
10,000
Bonus points

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Application

CardIQ

19Basic

Basic

Overall score, out of 100 · How this works

  • Airport lounge18
  • Rewards14
  • Sign-up bonus15
  • Travel30

Customer reviews

No reviews yet. Be the first to review the American Express® Platinum Travel Credit Card.

Pros & cons

What's good

  • 10,000 bonus Membership Rewards points to start, worth around ₹2,500 at our ₹0.25-per-point valuation.
  • The 42% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 45% p.a.).
  • Complimentary airport lounge access (8 visits a year).

Worth noting

  • Rs. 5,000 plus applicable taxes in year 1; Rs. 5,000 plus applicable taxes from year 2 onwards. Taxes are exclusive and billed separately. No waiver mentioned. Up to 2 supplementary cards are complimentary; additional supplementary cards charged at Rs. 1,500 each. The ₹5,000 annual fee is still high for a Platinum card, where the typical fee is about ₹1,000.
  • Earns 1 Membership Rewards Point per ₹50 on everyday spend, around the dataset average.
  • Requires a minimum income of ₹6,00,000 a year.
  • Up to 48 interest-free days on purchases (below the 50-day median).

Card details

The basics

Additional cardholder fee
₹1,500 p.a.
Card tier
Platinum
Card type
American Express
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
Membership Rewards

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
₹6,00,000 p.a.
Residency
Resident Indian; cards 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.
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
42.00% p.a.
Purchases
42.00% p.a.

Fees

Additional cardholder fee
₹1,500
Annual fee
₹5,000 p.a.
Cash advance fee
3.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,000

Repayments

Interest-free period
Up to 48 days on purchases
Minimum repayment
Minimum Amount Due as shown on the monthly statement; payments adjusted against taxes, fees, charges, interest, cash advances and purchases in that order.

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
1 Membership Rewards Point per ₹50
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
Beginning 3 May 2022, the Membership Rewards® points that have been accrued onto your American Express Platinum Travel Credit Card will no longer expire till the Card is active and in good standing. In the event of Card cancellation, initiated either by Card Member or American Express, the Membership Rewards® points will get forfeited within 30 days of the cancellation.

Sign-up bonus

Bonus spend required
Spending9 ₹15,000 within 90 days of Card Membership entitles you to a Welcome Gift1 of 10,000 Membership Rewards® points.
Sign-up bonus
10,000 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Purchase rate42.00%Top 10% (4th of 91 cards)
Sign-up bonus₹2,500Top 25% (5th of 37 cards)
Rewards value₹2,700 a yearBetter than most (21st of 61 cards)
Overseas fee3.50%Better than most (33rd of 91 cards)
Interest-free days48 daysNot as good as most cards (54th of 73 cards)
Annual fee₹5,000 a yearAmong the most expensive (78th of 91 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
American Express
Program
American Express Membership Rewards