American Express Platinum Travel Credit Card
The American Express Platinum Travel Credit Card is a premium credit card in India, offering great benefits. You get welcome rewards and milestone rewards in the form of Membership Rewards Points. These points can be redeemed for travel-related expenses like flights, hotels, and car bookings on the Amex Travel Online portal. You can also use them for shopping vouchers and e-vouchers. For every ₹50 you spend, you earn 1 Membership Rewards Point, though there are a few exceptions.
This card is a great choice for frequent travelers because it offers benefits like Taj vouchers, free airport lounge access, and a Priority Pass membership. If you apply through RatingOK, you’ll also earn 4,000 Referral Bonus Membership Rewards points!
While the annual fee is ₹5,000 + GST (total ₹5,900), which is a bit high, it’s a good option for those who travel often, whether for business or leisure. Besides travel benefits, it also offers shopping perks, making it a suitable card for people who love shopping online.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Before applying for a credit card in India, consider the following factors:
- Eligibility Criteria: Check the age, income, credit score, and employment status requirements set by the bank or financial institution.
- Credit Score: A higher credit score increases your chances of approval and may result in better offers. Ensure your credit score is in good standing.
- Interest Rates and Fees: Compare annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction fees. These can vary significantly between cards.
- Rewards and Benefits: Look for cards that offer rewards, cashback, discounts, or other perks that align with your spending habits.
- Credit Limit: Make sure the credit limit offered is in line with your financial needs. Avoid over-borrowing, which can lead to high-interest charges.
- Repayment Terms: Understand the repayment options, minimum payment amount, and due dates. Consider how easily you can manage timely payments to avoid interest accumulation.
- Card Type and Features: Choose a card type (e.g., standard, premium, travel, etc.) based on your requirements. Some cards offer more benefits for specific categories like travel, shopping, or dining.
- Bank’s Reputation: Opt for a bank with a good track record of customer service and transparency. Read reviews and consider their customer support accessibility.
- Hidden Charges: Be aware of any hidden fees, such as annual fees, balance transfer charges, and cash withdrawal fees.
- Credit Utilization: Ensure you can manage your spending within the credit limit to maintain a healthy credit utilization ratio, which impacts your credit score.
- Long-Term Financial Plans: Think about how the credit card will fit into your long-term financial goals and avoid accumulating unnecessary debt.
What travel benefits do I get with the Amex Platinum Travel Card?
The card gives you a free Priority Pass membership, which lets you visit airport lounges. You get eight free visits to lounges at ten airports in India each year.
What dining benefits do I get with the American Express Platinum Travel Credit Card?
You can get up to 20% discounts at select restaurants when you use your Amex Platinum Travel Credit Card.
What is the customer care number for the American Express Platinum Travel Card?
If you have questions or issues with your card, you can call 1800 419 2122 or 0124-2801122.
What lifestyle benefits do I get with the American Express Platinum Travel Credit Card?
This card offers many lifestyle privileges, including discounts on dining and a Taj Experiences E-Gift Card worth ₹10,000, which can be used at Taj, SeleQtions, and Vivanta Hotels.
Does this card support contactless payment?
Yes, if your purchase is under ₹5000, you don’t need to enter a PIN.
What is Priority Pass Membership that comes with the American Express Platinum Travel Credit Card?
The Priority Pass membership gives you access to international airport lounges. With this card, you get free membership to Priority Pass and no annual fee of $99. However, you’ll need to pay $32 every time you visit a lounge.
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