American Express Platinum Travel Credit Card Review

By | April 3, 2021

American Express Platinum Travel Credit Card is best suited for those who are frequent flyers. Most of the rewards you will get are in the form of Indigo vouchers.

Nowadays, American Express is providing most vouchers from Flipkart. You can also collect rewards in the form of points, which you can further use for other redemption options.

American Express Platinum Travel Credit Card Review


Fee TypeAmount
Joining FeeRs3500+Taxes
Annual Fee (after 1st year)Rs.5000+Taxes

American Express Platinum Travel Credit Card Rewards

  • Welcome Gift: 10,000 Membership reward point
  • 1 Membership RP on spending Rs.50, except for spending on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale

Milestone Benefit

  • Spending Rs.5,000 within 60 days of card membership entitles you to a Welcome Gift.
  • Spend Rs.1.90 Lacs in a card membership year and get benefits worth up to Rs.5,000. OR you can get 15,000 membership reward point redeemable against Flipkart voucher.
  • Spend Rs.4 Lacs in a card membership year and get a Taj Stay voucher worth Rs.10,000 from Taj, SeleQtions, and Vivanta Hotels. You will also get a 25,000 membership reward point redeemable at Flipkart.

The reward rate revolves around 8%, above all premium cards like HDFC Regalia, HDFC Infinia & Diners Club Black. The offers provided make it the best card for frequent flyers. One should make proper use of the Taj & Flipkart vouchers provided.

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AmEx platinum travel card eligibility

For Salaried Individual:

  • Age: Over 18 years
  • Annual Income: more than Rs.6,00,000

For Self Employed Individual:

  • Age: Over 18 years
  • Annual Income: more than Rs.6,00,000
  • The company has been trading for more than 12 months.

Documents Required

  • Identity Proof: PAN Card, Aadhar Card, Voter’s ID Card, Driving License, Ration Card
  • Address Proof: Aadhar card, Voter’s ID, Ration Card, Electricity Bill, Lease/Rent Agreement, Utility Bills
  • Income Proof: Salary Slip of last 6 months
    • Bank Statement of last 6 months
    • ITR of an annual year


AmEx platinum travel card features
  • Lounge Access: 4 visits/year in India
  • 10% cashback on OnePlus devices 
  • Complimentary membership to Priority Pass with a US$99 annual membership fee.
  • Up to 20% off on dining with selected member restaurants.
  • Foreign Exchange Markup Fee: 3.5%+tax
  • Personal concierge service
  • Zero lost card liability

Our Suggestion

You can understand from the name that this is a card created for giving travel benefits. The benefits you will get from this card will be in the form of Indigo vouchers.

The milestone benefits the card offers are amazing, but the annual charges are high. We suggest you keep this card only if you travel a lot; otherwise, it does not give any good rewards on other spends.

How To Apply?

You can apply for the card in the following manner:

  1. You have to visit the American Express website to apply for the card.
  2. Fill up all the information to apply for the card
  3. Submit all the necessary documents required for the credit card


8% reward rateHigh annual fee
Amazing vouchers on achieving the milestone

Bottom Line

This card is interestingly unique. The reward rate is super excellent of all. Many of the superior cards even don’t give this much reward rate (~8%). But what I feel less here because instead of Flipkart vouchers, they should try to provide some airline vouchers that will add more benefit to the card.

But overall the card is super cool and frequent flyers can make best use of it.


Can I change my travel booking ?

To change or cancel your booking contact their 24 Hour Cardmember Helpline. Airline or supplier charges and cancellation fees may apply. Refunds will only provide by the airline or supplier following their terms and conditions. It can take up to eight weeks to process. They will advise you of any extra charges or fees that will apply to your refund.

Do MR points expire?

All Cardmembers enrolled in Frequent Traveler Option (FTO) enjoy Membership Rewards points with no expiry. For all Cardmembers enrolled in the Non-Frequent Traveler option (NFTO), points expire 2 years after the 12-month “Enrollment Period” in which they are earned. For all Cardmembers enrolled in the General Frequent Traveler option (GFTO), points expire 3 years after the 12-month “Enrollment Period” in which they are earned.

Can I increase my credit American Express Platinum Travel card limit?

Yes. After the first six months, you can apply for an increase in your credit limit.

What are the different methods of paying my bill?

You can pay your Card bill through any of the following ways:

  • Online Funds Transfer: NEFT
  • Online Payment: Debit Card powered by Rupay; UPI/BHIM-UPI; UPI QR Code/BHIM-UPI QR Code
  • Recurring Direct Debit/NACH
  • Drop Boxes
  • Courier

What is the time interval for periodic updation of KYC?

Time intervals for periodic updation of KYC is 2, 8 and 10 years for existing high, medium and low risk customers respectively.

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