If you apply through our link, we may earn a commission from the issuer at no extra cost to you. It never affects our ratings — how we make money.

American Express

American Express Platinum Travel Credit Card

4.5Best for travel

PremiumLounge access

How this card earns

Reward rates by category, with caps and an estimated yearly value.

Spend category	Reward rate	Monthly cap	Est. value/yr
Travel No accelerated travel category multiplier on the base card. Base earn = 1 Membership Rewards point per Rs.50 (2 pts/Rs.100). MR points valued at ~Rs.0.25/point for honest voucher/cashback redemption => 0.5% value-back. Most travel value comes from milestone bonuses, not category multipliers.	0.5%	—	₹600
Fuel Fuel, utilities, insurance, cash and POS-EMI spends earn NO Membership Rewards points. 0% convenience fee on HPCL fuel under Rs.5,000.	0%	—	₹0
All other spends	0.5%	—	₹600

Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.

Joining fee₹5,000

Annual fee₹5,000

Foreign currency markup3.5%

Finance charge (p.a.)42%

Annual spend	Benefit	Value
₹1,90,000	7,500 bonus Membership Rewards points on spending Rs.1.9 lakh in a card year	₹1,875
₹4,00,000	Additional 10,000 bonus Membership Rewards points on spending Rs.4 lakh in a card year	₹2,500
₹7,00,000	Additional 22,500 bonus Membership Rewards points plus a Taj Stay voucher worth Rs.10,000 on spending Rs.7 lakh in a card year	₹15,625

Airport lounge access — 2/quarter domestic
8 complimentary domestic airport lounge visits per year (max 2 per quarter)
Complimentary Priority Pass membership (US$99 annual fee waived; ~US$32 charged per lounge visit)
Milestone bonus points and Taj Stay voucher on annual spend thresholds
Membership Rewards points never expire while the account is active
1 Membership Rewards point per Rs.50 spent (excludes fuel, utilities, insurance, cash, POS-EMI)

+Strong milestone-driven value (bonus points + Taj voucher) for Rs.4-7 lakh annual spenders
+8 complimentary domestic lounge visits plus Priority Pass membership
+Membership Rewards points do not expire

−Low flat base earn rate (0.5% value-back) with no category accelerators on the base card
−Fuel, utilities, insurance and EMI spends earn no points
−Amex acceptance is narrower than Visa/Mastercard in India
−3.5% forex markup makes it weak for international spends despite the travel positioning

Premium

American Express

4.8

Best for travel

American Express

4.2

American Express

4.0