top of page

American Express Platinum Travel Credit Card

The American Express Platinum Travel card is one of the best travel-oriented cards in the Indian credit card market. Read on to find out what it offers and if you should go ahead and get one.

Eligibility Criteria

The eligibility criteria is straightforward and listed as under:

(a) An Annual Income of Rs. 6 Lakhs and above (in case of Self Employed or Salaried).

(b) A resident of Delhi/NCR, Mumbai, Bangalore, Chennai, Pune, Hyderabad, Jaipur, Indore, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodara, Lucknow, Ludhiana, Nagpur, Nasik, Trivandrum, and Mysuru.

(c) Good credit score

Fees & Charges

Rewards & Benefits

The reward currency of American Express cards is Membership Reward (MR) points.

Earn 1 MR Point for every Rs. 50 spent except for spends on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion

You earn Milestone Bonus Membership Rewards Points on the following three Milestones as defined below:

Reward Redemption

Statement Credit

Accumulated MR points can be used to pay-off your Amex bill. For this purpose, Amex considers 1MR points = 25paise.

eg. For 1000MR points, you can reduce your amex bill by Rs 250

18 Karat Gold Collection for 18,000 MR points

You can get redeem 24K MR points for any of the below vouchers

24 Karat Gold Collection for 24,000 MR points

You can get redeem 24K MR points for any of the below vouchers

Transfer partners

AMEX provides 11 transfer partners in total which cover a good range of travel needs. If you are doing even 1 trip a year, transfer to these partners can help you realise the best value for your MR points


How powerful are AMEX MR points?

If you practice delayed gratification with your AMEX MR Points, you can redeem the points for some crazy flight & hotel bookings

Fancy an Economy class ticket from Delhi to Singapore – get it for 20K KrisFlyer miles (40K MR points)

Cons of the AMEX Platinum Travel

The single biggest con of AMEX Platinum Travel is the acceptability of AMEX cards. Some merchants don’t accept AMEX cards due to the high MDR. However, a lot of online websites including Amazon, Flipkart, Myntra etc. do accept AMEX cards.

It also doesn’t earn any points on popular categories like insurance and fuel spends, however they will get counted towards the milestone.

Miles & Beyond Verdict

The AMEX Platinum Travel undoubtedly is one of the best cards in the AMEX portfolio and is especially aimed at travellers. It’s a no-brainer in my view to get the card if one can manage to spend 4L in a year.



bottom of page