American Express Platinum Travel Credit Card Review

The american express platinum travel credit card is one of the premium travel credit cards available in India. Targeting the notch section of Indian frequent travelers, this amex travel card offers free access to airport lounges, exclusive travel points, exclusive cashback on Oneplus products, and lots more. So, now let’s analyze the amex platinum travel card benefits and see if Is it worth it to get the platinum American Express card?

How does the american express® platinum travel credit card eligibility work?

  • Resident Type: Indian. 
  • American express credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Rs.50,000 monthly. 
  • Amex credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: 50,000 monthly. 
  • A Good CIBIL Score (Above 780) is mandatory to apply for this american express platinum travel credit card.

As you submit your amex credit card application, you will get a unique application id. You can later use that id to track your amex credit card application status.

What documents are required to apply for an amex credit card?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR (Income Tax Return)
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report.

What are the american express platinum travel credit card fees?

  • Amex platinum travel card joining fee: Rs.3500 + GST (for the first year only)
  • American express platinum travel credit card annual fee: Rs.5,000 + GST (From the second year onwards)

What are the american express platinum travel credit card benefits?

  • Get started with a huge joining bonus:

As you activate your amex card for the first time, you will get 10,000 reward points as a welcome gift. You can use those points for Flipkart vouchers, or to book flight tickets from the amex travel booking portal.

  • Attractive deals for OnePlus lovers:

If you use your american express platinum travel credit card to buy OnePlus products from OnePlus store, you will get a 10% Cash-Back on it. 

  • Make your every transaction rewarding:

For every Rs.50 transaction, you make using this american express card you can earn 1 membership reward. You can also earn some milestone rewards too.

Credit card usage

The benefit you can earn

Rs.1.9 lakh within an anniversary year 15,000 amex membership rewards (can be redeemed against a travel voucher worth Rs.4,500)
Rs.4 lakh within an anniversary year A Taj Stay gift voucher worth Rs.10,000

25,000 amex membership rewards points (can be redeemed against a travel voucher worth Rs.7,500)

You can redeem your american express credit card rewards against travel vouchers or a wide number of categories including – travel, Fashion & accessories, Electronics, gift vouchers, etc.

  • Add comfort to your travel:

Using this amex platinum card you can enjoy up to  4 free yearly visits (up to 2 per quarter) at most of the leading domestic airport lounges. This card also gives you a complimentary priority pass membership(worth 99$). Click here for the american express platinum travel credit card lounge access list.

  • Dine with more delight:

Using this amex platinum credit card you can earn up to a 20% discount on your dining bills at some of the frontline restaurants in India

  • Fuel surcharge waiver:

This american express platinum travel credit card features a 0% convenience fee on fuel at all HPCL petrol pumps across the country. The transaction amount should be less than Rs.5,000 above which would be 1%.

  • Complimentary lost card liability coverage:

With this american express platinum card, you will have zero liability on lost or stolen cards. You have to report it within the first 3 days by calling the amex credit card customer care no.

  •  Enjoy easy bill splitting:

This platinum travel card allows you to split your high-value transactions (Rs.5,000) into small monthly installments. This feature is very helpful for frequent shoppers. You can calculate the monthly installment amount from the amex emi calculator.

  • Convenience of the contactless payment facility:

This Amex travel card is equipped with an advanced contactless payment facility. This feature allows you to make payments by placing your american express travel platinum card over any contactless-enabled POS machine. You can control the contactless payment feature from your amex credit card net banking account

What Are the american express platinum travel credit card charges?

Particulars

Payable amount

Credit card atm withdrawal charge 3.5% against the transaction amount, min Rs.250 (Check your available american express credit card limit before making a withdrawal)
Finance charge Can go up to 3.99% monthly (applicable if the credit card bill is not paid within your amex credit card due date)
Amex credit card international transaction charges 3.50% against the transaction amount
Amex supplementary card fee None for 2 cards above which it would be Rs.1,500 per year for each amex add on card

How to contact the american express credit card customer care department?

100xGain Ratings: 

7/10

Pros and cons of the american express® platinum travel credit card:

Pros 

Cons

  • You can enjoy free access to domestic airport lounges.
  • You can also enjoy a big discount on dining bills.
  • There are also some exclusive deals and hotel bookings on this platinum travel card.
  • The rate of earning american express platinum travel credit card rewards is not that impressive.
  • The lounge access benefit is only applicable to domestic lounges.

Final Opinion:

After analyzing the benefits of american express platinum travel credit card I can say that this card is going to be beneficial for regular fliers. With the complimentary priority pass membership and travel rewards on every transaction, this amex travel platinum card makes your travel much more comfortable than before.

But this travel credit card has some major drawbacks too, most of the travel benefits are offered only on achieving certain milestone spending. Apart from that, there is nothing much to complain about this american express platinum travel card. But if you are looking for a more premium alternative option, then feel free to take a look at our top credit card pages. You can also compare the alternative card options given below.

Alternative of the american express® platinum travel credit card: 

  1. PNB global gold credit card (Best for offering hotel booking benefits)
  2. RBL world max supercard (Best for lounge access and dining benefits)
  3. Club vistara sbi prime card (Best for offering lounge access benefits)

 

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