mid-tierpointsAmerican Express · Amex
American Express Platinum Travel Credit Card
Earns 1 MR Point per ₹50 (≈2 per ₹100); no points on fuel, insurance, utilities, cash or POS EMI. Milestones (₹1.9L / ₹4L / ₹7L) add 7,500 + 10,000 + 22,500 = 40,000 bonus MR/yr, plus a ₹10,000 Taj Stay voucher at ₹7L. MR Points on this card redeem for vouchers / 'Pay with Points' — they are NOT transferable to airline/hotel partners; only Amex's transferable-MR cards (Platinum Reserve, MRCC, Gold Charge, Platinum Charge) can move points to partners.
what it costs
| joining fee | ₹5,000 |
|---|---|
| annual fee | ₹5,000 |
| how to dodge the fee | No fee waiver — strictly non-waivable |
| forex markup | 3.5% + GST |
how you earn
every ₹100 you swipe earns you points in Membership Rewards (MR) Points.
| default | 2× / ₹100 |
|---|
freebies
| welcome gift | 10,000 Bonus MR Points on spending ₹15,000 within the first 90 days of card membership |
|---|---|
| spend ₹1,90,000 | 7,500 Bonus MR Points (redeemable on Platinum Travel Collection) |
| spend ₹4,00,000 | 10,000 Bonus MR Points (redeemable on Platinum Travel Collection) |
| spend ₹7,00,000 | 22,500 Bonus MR Points + ₹10,000 Taj Stay Voucher (Taj / SeleQtions / Vivanta) |
extras
| domestic lounges | 8/year (max 2 per quarter) |
|---|---|
| international lounges | Priority Pass membership (US$99 annual fee waived) |
| who can apply | Salaried ₹6L p.a. or self-employed with gross income ₹6L p.a. |
want it?
all numbers checked against the bank's page on 2026-05-31. apply links may carry an affiliate tag — see our disclosure.