American Express Platinum Travel Credit Card Review

American Express cards are well known for their exclusive benefits and features, and American Express Platinum Travel Credit Card is not an exception, it is a premium quality travel credit card that offers premium travel benefits to its users. The benefits offered by this card are lounge access, reward points, benefits on hotel, dining benefit, fuel surcharge waiver, add-on facility, EMI option, zero lost card liability, and lots more. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹50,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: 50,000 monthly. 
  • Good CIBIL Score (Above 780).

Required Documents:

  • 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
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 

Fee:

  • Joining Fee: ₹3500 + GST (for the first year only)
  • Annual Fee: ₹5,000 + GST (From the second year onwards) 

Benefits:

  • Welcome benefit:

With the issuance of the card, you will get10,000 reward points as a welcome gift. You can use those reward points for Flipkart vouchers. 

  • Cash-Back benefit:

If you buy OnePlus products from www.oneplus.in you will get 10% Cash-Back on it. 

  • Reward benefit:

This card offers 1 reward point on each ₹50 transactions, (not applicable for transactions on – Insurance, Utilities, Cash transactions, EMI Conversions, and fuel)

You can redeem your reward points against travel vouchers or a wide number of categories including – travel, Fashion & accessories, Electronics, gift vouchers, etc.

  • Lounge access:

This card offers 4 complimentary accesses in a year to most of the premium airport lounges in India.

  • Hotel Booking:

You can enjoy the premium experience of hotels with this card. You will get a gift voucher of ₹ 10,000 from Vivanta and Taj SeleQtions hotels.

  • Dining:

This card offers a 20% discount on your dining bills at most of the frontline restaurants in India. 

  • Fuel surcharge waiver:

This card offers a 0% convenience fee on fuel at all HPCL petrol pumps. The transaction amount should be less than ₹25,000 to claim this offer. 

  • Lost card liability:

American express offers zero liability on lost cards. To enjoy zero liability you have to report the loss within 3 working days, otherwise, your liability will be limited to ₹1000.  

  • Milestone benefit:

If you can spend ₹1.90 lakh within a year, you will get a travel or Flipkart voucher worth ₹4,500. 

Also if you can spend 4 lakh in a year you will get a travel or Flipkart voucher worth ₹7,500.

  •  Add-on facility:

You can share the awesome features of your cards with your loved ones. Just add your loved ones, (min age – 18+) with your card and they can also the features of a credit card. You can add a maximum of 2 of your family members for free. 

  •  EMI Option:

With this card, you can convert your big monthly bills into EMIs. 

  • Contactless Payment:

This card comes with an advanced contactless payment facility it is convenient, fast, and also protects your card from skimming. 

  • 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)

  • Global acceptance:

This card is globally accepted, you can use this car at any outlet or e-commerce site where the American Express cards are accepted.

Charges:

  • Cash Withdrawal Charge: 3.5% against the amount.
  • Finance Charge: 3.50% monthly.

Contact Details:

Call: 1800-419-2122

Mail: [email protected]

100xGain Ratings: 6/10

Final Opinion:

If you want a premium travel credit card that can offer you premium travel benefits like lounge access, hotel benefits, etc. then this card can be a good option for you. This card also offers a 20% discount on dining, a 0% convenience fee on fuel purchase, zero lost card liability, and an opportunity to earn some bonus rewards. If you can use this card properly it can be very beneficial for you. 

But if you want to spend less and want a low-cost card then you can go for IndusInd Bank InterMiles Voyage Credit Card or Citi Premier Miles Credit Card. And if you want a more premium card then you can go for American Express® Platinum Card it is a premium credit card that offers exclusive benefits on travel. 

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