CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
American Express

Amex Platinum Travel Credit Card

31
Ranked #81 of 170 in credit
creditAmexMid-Premium

Amex entry-level travel credit card offering 8 domestic lounge visits, Priority Pass membership, and milestone-driven Membership Rewards with a Taj Stay voucher at Rs7L annual spend — good value at a comparatively low Rs3,500 fee.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value17/100 · weight 71%
≈ 0.80% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
No rewards on: utilities, insurance. Reward score is scaled by ×(1 − 0.9%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency72/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks39/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹3,500 + 18% GST
= ₹4,130 total
Annual fee
₹3,500 + 18% GST
= ₹4,130 / year total
Waiver: No published spend-based waiver
Forex markup
3.5%

Lounge access

Domestic (per year)
8
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
all_spendspoints0.80%(2 pts @ ₹0.40)—1 MR pt/Rs50 = 2% base

Welcome offer

10,000 Membership Rewards points on Rs15,000 spend within 90 days

Milestone benefits

Pros

  • Low fee for an Amex card with lounge access
  • milestone-driven rewards reward higher spenders well (~Rs7L spend unlocks Taj voucher)
  • Priority Pass membership fee waived
  • up to 20% dining discount at select partners

Cons

  • Milestone bonus points program changed March 9 2026 (bonus points auto-issued only after that date
  • pre-2026 milestones needed manual claim) — minor administrative devaluation risk
  • per-visit Priority Pass usage fee (~USD27-35) despite "complimentary" membership
  • fuel/insurance/utilities earn zero points

What's inside

More benefits

  • Taj Stay voucher milestone

    ₹10,000

    Rs10,000 Taj Experiences e-gift card on Rs7L annual spend, usable at Taj/SeleQtions/Vivanta hotels

    Cap ₹10,000 / yearly. Rs7,00,000 annual spend

  • Dining discount

    Up to 20% discount on dining bills at select partner restaurants

    unlimited. Dine-in at partner restaurants only

Insurance cover

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Eligibility

text
Rs6L+ annual income indicative; select Indian cities only

Small print

Fuel surcharge:0% convenience fee at HPCL for txns <Rs5,000; 1% on txns >=Rs5,000