American ExpressVisaPlatinum Travel Credit Card
4.6NeoFinQ editorial rating
Up to 8% returns via milestone rewards + domestic lounge access
- Up to 8% value back via milestones
- 8 domestic lounge visits
- Gyftr 5X rewards
- Joining fee
- ₹3,500
- Annual fee
- ₹5,000
- Reward type
- points
- Best for
- Travel
- Est. rewards
- ₹23,000/yr
Our verdict
Ideal for domestic frequent travelers with ₹4L+ annual card spends.
Perfect for
- Domestic travelers
- Milestone reward chasers
Not ideal for
- Cashback seekers
- Light spenders
Pros & cons
- Up to 8% value back via milestones
- 8 domestic lounge visits
- Gyftr 5X rewards
- No international lounge
- No fee waiver
- Limited outside travel
Rewards
1 MR/₹50 base. Note: Effective 2024/2025, Govt. transactions and Utilities have been increasingly restricted or devalued in terms of points accrual across the Amex portfolio.
| Category | Earn rate |
|---|---|
| Shopping | 5% |
| Travel | 5% |
| Groceries | 5% |
| Online Shopping | 5% |
Welcome offer
10,000 Membership Rewards points on spending ₹15,000 within 90 days of card membership.
Benefits
Airport lounge
- 8 domestic lounge visits/yr
Travel
- 8 domestic lounge visits per year (2 per quarter; spend criteria of ₹50,000 in previous quarter applies effective 2024)
More benefits
- Welcome Bonus: 10,000 Membership Rewards points on spending ₹15,000 within 90 days of card membership.
- Milestone: 15,000 MR points on ₹1.9L spend; 25,000 MR points + ₹10,000 Taj Stay Voucher on ₹4L annual spend (Total 40,000 MR points + ₹10K Taj Voucher per year)
Fees & charges
| Joining fee | ₹3,500 |
| Annual fee | ₹5,000 |
| Renewal fee | ₹5,000 |
| Fee waiver | NA |
Eligibility
Min. income (annual)
₹6L
Employment
Salaried / Self Employed
Frequently asked questions
What are the milestone benefits?
₹1.9L: ₹4,500 vouchers; ₹4L: Taj stay worth ₹10,000 + ₹7,500 vouchers.
Does it offer international lounge access?
No, only 8 domestic lounge visits per year.
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Find My Best CardPlatinum Travel Credit Card
Annual fee ₹5,000