American Express® Platinum Travel Credit Card
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The American Express Platinum Travel Credit Card, their sole travel-focused offering in India, caters to frequent travellers with its premium features. It provides welcome rewards, along with Membership Rewards Points earned on most purchases. These points offer flexibility, allowing redemption for flights, hotels, and car rentals through Amex Travel, online shopping vouchers, e-vouchers from their platform, and even credit card bill payments through the Cash + Points program (where 1,000 points equal Rs. 250). Additionally, you consistently earn 1 point for every Rs. 50 spent, making it a rewarding option for frequent travellers.
Features & Benefits
Fees & Charges
| Fees/Charges | Amount | Description |
|---|---|---|
| First Year Membership Fee | ₹ 3500 + applicable taxes | - |
| Renewal Membership Fee* | ₹5000+ applicable taxes | Second year onwards |
| Revolving Credit Interest Rate | 3.5% per month | - |
| Foreign Transaction Fee | 3.5% | on the conversion amount |
| Cash Advance Charges | 3.5% of the transaction amount subject to a minimum charge of Rs. 250. | - |
| Rewards Redemption Fee | - | - |
All About the Card
Overview
The American Express Platinum Travel Credit Card caters to frequent travellers with its tiered rewards program. It offers a welcome bonus of 10,000 points and additional points based on annual spending, redeemable for travel, shopping vouchers, or bill payments. Cardholders enjoy complimentary domestic airport lounge access, a waived annual fee for Priority Pass membership (with usage fees), and movie/dining discounts. You earn points on most purchases and can transfer them to various airline and hotel loyalty programs. While the annual fee is Rs. 5,000 after the first year, the card’s benefits may outweigh the cost for frequent travellers who value lounge access, travel rewards, and other perks.
Highlights
| Key Highlights | Description |
|---|---|
| Best Suited for | Travel, Rewards |
| Annual fee | ₹ 3500 + applicable taxes |
| Additional Benefits | Foreign Currency Markup: 3.5%+GST
Complimentary Priority Pass membership: Gain access to airport lounges worldwide with waived annual fee (usage fees may apply). Fuel Convenience Fee Waiver at HPCL: Save on fuel surcharge at HPCL stations across India. Restaurant Discounts: Enjoy up to 20% off at select partner restaurants. Fuel Perks: 0% convenience fee on HPCL fuel purchases below Rs. 5,000 (1% fee for transactions above Rs. 5,000) EMI Option: Split large purchases into convenient monthly installments. Zero Lost Card Liability: Be protected from unauthorized charges if your card is lost or stolen. Platinum Services: Access exclusive benefits and assistance from American Express. Contactless Payment: Make secure and convenient payments by tapping your card. |
Benefits
The American Express Platinum Travel Credit Card caters to frequent travellers with tiered rewards and travel benefits. You can earn up to 38,600 Membership Rewards Points annually, redeemable for travel, vouchers, or bill payments, based on your spending. Additionally, enjoy complimentary domestic and international airport lounge access, 0% convenience fee on HPCL fuel, and up to 20% off at select restaurants, making it an attractive option for those who prioritize travel perks and rewards.
Welcome Benefits:
10,000 Membership Rewards Points (redeemable for Flipkart voucher, travel benefits on Amex Travel Online, or bill payment under Cash + Points scheme). Requires spending Rs. 5,000 in the first 3 months.
Milestone Benefits:
- Spend Rs. 1.9 Lacs in a year: Earn 15,000 bonus points (redeemable for Flipkart voucher or travel benefits worth Rs. 4,500) + 3,400 regular points (redeemable for voucher or travel benefits worth Rs. 1,020).
- Spend Rs. 4 Lacs in a year: Earn 25,000 bonus points (redeemable for Flipkart voucher or travel benefits worth Rs. 7,500) + 3,600 regular points (redeemable for voucher or travel benefits worth Rs. 1,080) + Taj Stay voucher worth Rs. 10,000.
Travel Benefits:
- 8 complimentary domestic airport lounge accesses per year (max 2 per quarter).
- Complimentary Priority Pass membership (international lounge access program) with waived annual fee (but usage fee of USD 35 applies per visit).
- 0% convenience fee at all HPCL fuel stations across India.
Movie & Dining:
- Up to 20% discount at select partner restaurants.
How to Apply?
If the user is an offline person, just head over to the nearest American Express branch with the required documents, and fill out a physical application form.
For those who prefer the convenience of online applications, simply follow these simple steps:
Step 1: Visit offers.shepays.com and navigate to the ‘Credit Card’ section.
Step 2: Select the American Express Platinum Travel Credit Card from the available options and click on ‘Apply Now’.
Step 3: Fill out the online application form with personal and financial details once you’re redirected to American Express bank application portal.
Step 4: Upload the required documents, such as identity proof and income proof.
Step 5: Submit the application and wait for the bank’s decision.
It’s always a good idea to carefully review the terms and conditions of the credit card before applying and to consult with a financial advisor or the bank in case of any questions or concerns.
Eligibility Criteria
To be eligible to apply for the American Express Platinum Travel Credit Card , you’ll need to meet simple eligibility criteria and keep certain documents handy. We’ve highlighted the same below:
- Age: 18 years or older.
- Residence: Permanent resident of India, currently issued in specific cities only (Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodra, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum, and Mysuru).
- Financial Requirements:
- Salary: Minimum annual income of Rs. 6 Lacs or above for both salaried and self-employed individuals.
- Banking: Savings or current account with an Indian or multinational bank in India.
- Credit History: Good credit history with no payment defaults.
- Business Requirement (Self-employed only): Company in operation for at least 12 months.
- Tax Status: Resident Indian as defined under the Income Tax Act of India, with a commitment to notify American Express of any change in residency status.
Documents Required
- Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
- Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
- Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
