Platinum Travel

Joining ₹5,000 · Annual ₹5,000

Fee break-even: ≈₹8,33,333/yr through this card at its base rate. Below that, the fee eats the rewards.

Earns Membership Rewards points · assumed 0.3 ₹/point. Assumed ₹0.30 per point via the Gold Collection vouchers. Amex publishes the catalogue only after login, so this is our estimate of its middle, not a printed rate

Verified 13 Aug 2026

Forex markup3.5%

Domestic lounge8 a year. 2 per quarter at domestic lounges

EMI₹199 plus taxes per conversion at the point of sale processing fee · A converted purchase stops earning rewards · Amex brands its instalments PAYFLEX. Converting at the point of sale costs a flat ₹199, converting after the purchase adds a further 2% of the transaction. Minimum ₹5,000 to convert, and a converted purchase earns no Membership Rewards points. · A purchase converted to EMI at the point of sale earns no points

Fuel surchargeNo waiver. HPCL waives its own convenience fee on transactions below ₹5,000

International loungePriority Pass membership included, visits are billed to the card

Milestones

◆ Spend ₹1,90,000 per year → 7,500 bonus points at ₹1.9 lakh of annual spends Worth ₹2,250
◆ Spend ₹4,00,000 per year → 10,000 further bonus points at ₹4 lakh Worth ₹3,000
◆ Spend ₹7,00,000 per year → 22,500 further bonus points plus a ₹10,000 Taj stay voucher at ₹7 lakh Worth ₹16,750

Return by category

Category	Return	Notes
Online spend	0.6%	Base rate
Amazon	0.6%	Base rate
Flipkart	0.6%	Base rate
Subscriptions & OTT	0.6%	Base rate
Offline spend	0.6%	Base rate
UPI spending	0%	Amex runs its own network with no RuPay variant, so UPI linking is unavailable
Dining	0.6%	Base rate
Swiggy	0.6%	Base rate
Zomato	0.6%	Base rate
Groceries	0.6%	Base rate
Quick commerce	0.6%	Base rate
Swiggy Instamart	0.6%	Base rate
Blinkit	0.6%	Base rate
BigBasket	0.6%	Base rate
Movies & shows	0.6%	Base rate
BookMyShow	0.6%	Base rate
PVR INOX	0.6%	Base rate
Fuel	0%	Fuel earns no points
Travel (general)	0.6%	Base rate
Flights	0.6%	Base rate
Hotels	0.6%	Base rate
MakeMyTrip	0.6%	Base rate
IRCTC rail	0.6%	Base rate
International	−2.9%	0.6% reward − 3.5% forex markup
Utilities & bills	0%	Utility payments earn no points
Rent	0.6%	Base rate
Education fees	0.6%	Base rate
Insurance premiums	0%	Insurance earns no points
Government & tax	0.6%	Base rate
Wallet loads	0.6%	Base rate
Anything else	0.6%	Base rate
Jewellery	0.6%	Earns the full base rate and counts toward all three milestones, Amex excludes only cash style transactions from milestone spends

Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.

Also worth knowing

Welcome: 10,000 points on spending ₹15,000 within 90 days
Milestone spends exclude cash advances, balance transfers and fees, nothing else

Other exclusions

A purchase converted to EMI at the point of sale earns no points

American Express Platinum TravelBest for Hitting ₹7 lakh a year3.9 / 5

What we liked

Cross ₹7 lakh and the milestones stack to roughly ₹22,000 of value, about 3% on the whole year
8 domestic lounge visits a year plus a Priority Pass membership
10,000 point welcome on modest early spends

What to mind

The ₹5,000 fee has no spend waiver at all
Miss the milestones and you are holding a 0.6% card
Fuel, insurance and utilities earn nothing

Sources

Every figure above comes from the issuer's own pages and documents. Last verified 13 Aug 2026.

Spotted an outdated rate?