American Express Platinum Travel Credit Card Review

American Express Platinum Travel Credit Card is a premium credit card specially designed for those people who travel a lot. This card comes with a number of benefits for frequent travelers including – opportunity to earn a travel voucher, priority pass program, access to most of the premium airport lounges and also milestone reward points, in fact this card has all the features that can make your travel much better and worry-free.

  • Eligibility criteria –
  • Nationality –
  • Age – 18+ or more.
  • Occupation – Both salaried and self-employed people can apply for this card.
  • Income – Min ₹ 6 lakh or more (for both salaried and self-employed).
  • The applicant must have an Indian or multinational bank account and a permanent residential address.
  • The self-employed people must have a well-established company or business.
  • A good relation with the bank.

 

  • Documents Required –
  • Proof of Identity –
  • Job Card.
  • Voter Id.
  • Driving License
  • Aadhar Id.
  • Letter from UIDAI.
  • Proof of Address –
  • Gas, Electricity, or any utility bill. ( recent )
  • Passport.
  • Ration card.
  • Document of property registration.
  • Proof of Income –
  • Recently submitted form 16.
  • 3 month’s bank statement. (latest)
  • Salary Slip (recent 3 months)
  • KYC-PAN.

 

  • Fees –
  • Joining fee – 3,500 + GST.
  • Annual fee – 5,000 + GST.
  • Add on fee – None of up to 2 cards. ( above which it is ₹ 1,500 )
  • Cash Advance – 5% of the cash amount (min ₹ 250)

 

  • Benefits – The awesome benefits of the card is described below –
  • Reward offer – With this card toy can earn reward points more easily with all your transactions. You will get 1 reward points on every 50 rupees spent (not applicable for transactions on – Insurance, Utilities, Cash transactions, EMI Conversions, and fuel)
  • Travel Voucher – this card has the ability to make your travel much better and peaceful. With your ‘American Express Platinum Travel Credit Card,’ you will get a gift travel voucher of ₹ 6360 if your annual spend is ₹ 1.90 lakhs. If you can spend more than ₹ 4 lakh within a year you can win a travel voucher for ₹ 9440.
  • Airport Lounge Access – With this card you can make your travel more premium. You can enjoy up to 4 accesses (in a year) to most of the premium airport lounges in India.
  • TAJ E-GIFT CARD – You can enjoy the premium experience of hotels with this card. You will get a gift voucher from Vivanta and Taj  SeleQtions hotels for ₹ 10,000.
  • Milestone Rewards – there is no end of benefits with this card. The reward options are described below
  • You will get a travel voucher for ₹ 7,700 on ₹ 1.90 lakhs annual spend.
  • You will get a travel voucher for ₹ 9440 on ₹ 4 lakhs annual spend.
  • Dining – With your ‘American Express Platinum Travel Credit Card’ you can enjoy a premium dining experience at most of the frontline restaurants with up to a 20% discount.
  • Fuel Convenience fee waiver – With this card, you can enjoy a 0% convenience fee on fuel at all HPCL petrol pumps. The transaction amount should be ≤ 25,000. Above which the charge will be 0.3%.
  • Reward redemption – redeeming reward points is now very easy. You can either redeem your reward points against travel vouchers or at a wide number of options including – travel, Fashion & accessories, Electronics, gift vouchers, etc.
  • EMI option – You don’t need to worry about your big bills anymore. With your ‘American Express Platinum Travel Credit Card’ you can convert them into easy monthly EMIs.
  • Add on cards – you can now share the benefits of your credit cards with your loved ones. Just add your loved ones – children, parents, Siblings, or any family members ( age – 18+) with your card for free (up to 2 ). And they can also enjoy the benefits of a credit card.
  • Lost card liability – Now you don’t need to worry about lost or misplaced cards, as American Express offers you zero liability for lost cards(applicable only if reported within 3 days, after which you have to bear a minimum liability of ₹ 1000). You are also protected against any fraud also.

 

  • Charges –
  • Over-limit Charge – ₹ 500.
  • Add on card fee – 1,500 annually (free for up to 2 cards).
  • Foreign currency transaction – 50% against the transacted amount.

 

  • Other benefits –
  • Worldwide acceptance – This card is accepted worldwide, you can make transactions with this card almost from any corner of the world.
  • Contactless Payment – With this feature, you are free to form card misplacement and card theft like problems. Because you don’t need to hand over your card during payments. You can pay with your card with just a wave at any secure reader machine. You are also protected against multiple waves.
  • Amex Pay – With this feature you can make a contactless payment, at any participating merchants with the Amex android app. ( your device must have that feature)
  • Platinum Service – with this card you will experience unmatched emergency service. With 24X7 customer service, American Express can solve your problems within minutes.
  • Emergency Card replacement – In case of any Emergency you can replace and block your card anytime from anywhere.

 

  • Customer care number –
  • 1800 419 2122
  • 0124 280 1122
  • Final verdict –

If you are looking for a premium travel card, that can earn you a lot of rewards also then this is the card you need. It features a number of cashback and reward point offers and other benefits like – lounge access, EMI facility, Adds on the card, zero liability on the lost card, and lots more. So if you have the eligibility then this should be your first choice.

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