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American ExpressFree to apply via CardGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
1 Point per ₹50
Milestone Benefit: 40,000 points on ₹4L spend
The privileges that come bundled in, beyond the reward points.
8 Domestic Lounge visits
Taj Epicure Membership
Priority Pass Membership
An honest read on where this card earns its keep — and where it doesn't.
Great milestone benefits
Taj Voucher
Acceptance issues
High fee
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with American Express before you apply.
The credit profile this card is typically approved for.
Note: this is a guideline, not a hard cut-off. Existing customers of American Express are often approved on slightly lower scores.
Everything you need to know about American Express Platinum Travel fees, reward conversion, lounge access, and application eligibility.
The joining fee for American Express Platinum Travel is nominal, and the annual renewal fee is ₹5000 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.
To qualify for American Express Platinum Travel from American Express, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.
American Express Platinum Travel is designed to reward everyday spends. It currently features: "10,000 Membership Rewards points on spending ₹15,000 in 90 days". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via American Express's rewards portal.
Yes, American Express Platinum Travel offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.
You can apply for American Express Platinum Travel directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.
