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American Express Platinum travel card: fees, features & benefits

American Express Platinum travel card: fees, features & benefits

finance
December 30, 2021
10 min read
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quench that wanderlust

the American Express Platinum travel card is a traveller’s best friend. accepted worldwide, this credit card provides you with a wide range of travel privileges. in addition to travel vouchers and complimentary airport lounge access, you also get fuel and dining offers.  you can also earn additional rewards and cashback by making your American Express credit card payment on CRED.
if this sounds like a card that fits your needs, then read on to learn about its unique features, fees and charges, eligibility criteria and more.

benefits

features

welcome gift

welcome gift of 5,000 milestone bonus membership rewards points redeemable for travel vouchers worth ₹4,000

savings on travel

discounts on travel bookings made on makemytrip.com

airport lounges

4 complimentary visits per year (limited to one complimentary visit per quarter) to 11 airport lounges across India

travel vouchers

spend ₹1.90 lakhs in a year and get travel vouchers worth more ₹7,700
spend ₹4 lakhs in a year and get travel vouchers worth ₹11,800

fuel

0% convenience fee on fueling up at HPCL pumps

dinning

enjoy up to 20% discount at select premium restaurants

easy EMI

turn purchases above ₹5,000 into EMI payment

how do i apply for American Express Platinum travel card?

  • go to americanexpress.com and click on personal credit cards > American Express Platinum travel card > apply now.
  • fill the application form wherever the field is marked as mandatory.
  • make sure you have filled the ‘about you’ and ‘your finances and additional info’ section.
  • review the details that you provided in the ‘review and submit’ section. once you have confirmed, click on ‘submit’.
  • the bank will then verify your details and approve/reject your application based on the eligibility criteria.
  • after you have applied for the credit card, you can also track your American Express application status online or get in touch with the American Express customer care.

how to check if i’m eligible?

to qualify for the American Express Platinum travel card, you must fulfill the following criteria: 

  • minimum age to qualify is 18 years and above
  • must have Indian or multinational bank’s savings or current account in India
  • good credit score and no payment defaults
  • personal annual income of ₹6 lakhs or above (for both salaried and self-employed)
  • permanent residential address in select cities (provided in the FAQ section below) in India
  • if self-employed, the company must have been trading for more than 12 months

what documents do i require?

  • KYC documents such as PAN, ID proof and address proof
  • one recent photograph
  • Form 16 or Salary slip

type of charge

amount

annual fee (first year)

₹3500 plus applicable taxes

renewal few

₹5000 plus applicable taxes

interest charges

3.35% per month and 40.2% per annum

interest-free period

up to 48 days

supplementary card fee

₹1500

cash withdrawal limit

₹25,000 every 14 days
20% of credit limit

overlimit charge

₹500

cash advance fees

3.5% subject to a minimum of ₹250

foreign currency transaction charge

3.5%

air miles redemption fee

₹250

miles reinstatement fee

₹200

convenience fee on fuel purchase

0% for HPCL transaction less than ₹25,0000.
3% fee per transaction is applicable for all HPCL transactions on and above ₹25,000
1% of the transaction value subject to a minimum of ₹10 + applicable taxes at fuel stations operated by the public sector oil marketing companies like BPCL and IOCL
2.5% of the transaction value subject to a minimum of ₹10 + applicable taxes at fuel stations of all other oil marketing companies (except HPCL, BPCL and IOCL)

convenience fee on electricity, gas, and water bill payments

₹50 per transaction is applicable for all transactions up to ₹15,000
₹100 per transaction is applicable for payment of ₹15,001 to ₹1,00,000
1.95% per transaction is applicable for payment above ₹1,00,000

surcharge on purchase of railway ticket

1.8% of the transaction value if booked on the internet (IRCTC) subject to a minimum of ₹10

frequently asked questions (FAQs)

how to avail the EMI facility?

you can avail the EMI facility for purchases greater than ₹5,000 within 21 days of the purchase. there are three ways you can enrol yourself:

  • SMS 'EMI' to 5616166
  • email at emi@aexp.com
  • call the 24-hour customer service number at the back of your card

will i get my welcome gift as soon as the card is issued to me?

the welcome gift is available only in the 1st year on payment of the annual fee and on spending inr 5,000 within 60 days of card membership.

can i get supplementary cards?

yes, you can get up to two supplementary cards at no extra cost.

what are the cities in India that I have to be a legal resident to qualify for this card?

Ahmedabad, Bangalore, Bhopal, Bhubaneshwar, Chandigarh, Chennai, Coimbatore, Delhi/NCR, Ernakulam, Goa, Guntur, Hyderabad, Indore, Jaipur, Kanchipuram, Kolkata, Mumbai, Pune, Surat, Vadodara, Vijaywada, and Vizag.

where can I get the details about the lounge privileges at airports in India?

you can get the details about the location of the lounges in India, the terminals, lounge names, discounts and complimentary access.

how do i contact the customer service of American Express Platinum travel card?

to contact the customer service, you can dial this toll-free number 1800 419 2122 or dial 0124 280 1122.