Amex Platinum Travel Credit Card
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Amex Platinum Travel Credit Card

American Express India

★★★★☆ 4.2/5
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Opens the issuer’s official application page.

Joining Fee₹3,500
Annual Fee₹5,000
Fee WaiverNot waivable
Forex Markup3.5% + GST
Lounge8 domestic lounge visits/year via Amex Lounge program

Welcome Benefit

10,000 bonus MR points + complimentary Taj Epicure/ SeleQtions/ Vivanta stay (1 night)

Earn Rates

5X Membership Rewards Points on Amex Travel Online; 1X on all other spends

Key Highlights

  • Best card for IHCL Taj Hotels value — milestone benefits include free stays
  • Amex MR points transferable to IndiGo (6E Rewards), British Airways Avios, Singapore Airlines KrisFlyer, Marriott Bonvoy, Hilton Honors
  • IndiGo transfer ratio: 1 MR = 1 6E Reward Point; high value for domestic flights
  • Amex customer service is widely regarded as the best in India

Milestone Benefits

  • 15,000 bonus MR points on ₹4L spend/year
  • 25,000 bonus MR points on ₹6L spend/year + complimentary Taj/Vivanta/SeleQtions stay

Lounge Access

8 domestic lounge visits/year via Amex Lounge program; no Priority Pass

Fuel Surcharge Waiver

1% waiver; max ₹250/month

Best For

  • Taj/IHCL hotel loyalists
  • IndiGo frequent flyers
  • Amex ecosystem users

Not Great For

  • Merchants that don't accept Amex (acceptance is improving but still gaps)
  • Low spenders who won't hit milestones
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Verified: Data last verified 17 June 2026. Sources: americanexpress.com, cardexpert.in

Frequently Asked Questions

What is the value of 1 Amex Membership Rewards Point?

For statement credit: about ₹0.25. For IndiGo: 1 MR = 1 6E Point ≈ ₹0.5–0.7. For Singapore Airlines KrisFlyer miles: 2 MR = 1 mile, each worth ₹1.5–3 depending on redemption. Always transfer to airlines rather than redeeming for cashback.

Is Amex accepted everywhere in India in 2026?

Amex acceptance has improved significantly and is now widely accepted at major retailers, supermarkets, restaurants, and online merchants. Some smaller offline merchants and petrol pumps may not accept it — always carry a Visa/Mastercard backup.

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