cards / credit / american express / amex-travel-platinum-credit-card
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§ BENEFITS
3X MR on Travel
Earn 3X Membership Rewards points on all travel bookings including flights, hotels, and travel agencies
3X MR points
2X MR on International Spends
Earn 2X Membership Rewards points on all international transactions
2X MR points
1X MR on Other Spends
Earn 1 MR point per ₹40 spent on all other purchases
1X MR points
Airport Lounge Access
8 domestic and 4 international airport lounge visits per year
12 visits/year
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
1% waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹6,00,000
- Min monthly salary
- ₹50,000
- Age
- 21 – 65
- Min credit score
- 720
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹5,000
- Annual fee
- ₹5,000
- APR (monthly)
- 3.50% p.m.
- APR (annual)
- 42.00% p.a.
- Late payment fee
- ₹1,500
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Excluding GST
† Excluding GST
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹250
- Other bank free / month
- 0
- Other bank charge
- ₹250
- International withdrawal
- ₹250
- Cash advance fee
- 3.5%
† + 3.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 3.5%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- —
- Physical statement
- ₹100
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹500
- Max txn
- ₹5,000
- Max waiver / cycle
- ₹250
- Networks
- All
§ LIMITS
- ATM / day
- ₹50,000
- POS + e-com / day
- ₹5,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Accidental death cover
- ₹2,50,00,000
- Permanent disability
- ₹2,50,00,000
- Air accident
- ₹2,50,00,000
- Travel insurance
- ₹25,00,000
- Baggage
- ₹1,00,000
- Lost-card liability
- ₹10,00,000
- Purchase protection
- ₹2,00,000
† within 48 h of loss
† 90 days
§ REWARDS
- Programme
- American Express Membership Rewards
- Earn rate
- 1 MR per ₹40 (3X travel, 2X intl)
- Point value
- ₹0.5
- Effective cashback
- 1.25%
- Min redemption
- 100 pts
- Expiry
- Points do not expire as long as card is active
§ LOUNGE
- Domestic
- 8 per year
- International
- 4 per year via Priority Pass
- Domestic guests allowed?
- No
- International guests allowed?
- No
† value ₹2,500 per visit
† value ₹4,000 per visit
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with American Express and earns no commission on applications.