American Express Platinum Travel Credit Card
American Express
The American Express Platinum Travel Credit Card is a super-premium offering from Amex India that competes with the top cards from HDFC and ICICI. The standout feature is comprehensive lounge access — unlimited domestic lounge access through Amex's proprietary Centurion and partner lounge network, and unlimited international lounge access through Priority Pass, making it one of the best lounge propositions in the Indian market. Zero forex markup on international transactions is a critical feature for frequent international travelers, saving the typical 3.5% foreign currency conversion fee. The 5 Membership Rewards points per ₹50 on travel bookings (airlines, hotels, rail) is particularly valuable for those who book significant travel. Complimentary Taj Hotels Golden Gate membership opens doors to preferential rates and benefits at Taj properties across India. Travel insurance with ₹1 crore air accident cover and ₹50 lakhs medical emergency cover abroad provides comprehensive protection. The key consideration is that Amex acceptance in India is lower than Visa/Mastercard, particularly at smaller merchants and some online platforms, so this card works best as a secondary card alongside a Visa or Mastercard. Source: American Express official website, updated May 2026.
Key Facts
| Feature | Details |
|---|---|
| Joining Fee | ₹3,500 |
| Annual Fee | ₹3,500 |
| Reward Rate | [object Object]% |
| Cashback Rate | 0% |
| Lounge Access | Yes |
Features & Benefits
Pros & Cons
- Unlimited domestic & international lounge access
- Zero forex markup
- 5X on travel bookings
- Taj Hotels benefit
- High annual fee
- No EMI conversion
- Acceptance limited compared to Visa/Mastercard
How to Apply
Review the eligibility criteria below and ensure you meet the income and credit score requirements.
Click "Apply Now" and fill in your personal, income, and KYC details online.
The bank reviews your application and approves within 2–5 working days. Card arrives in 3–7 days.