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mid-tierpointsAmerican Express · Amex
American Express Platinum Travel Credit Card
Excluded categories: fuel, insurance, utilities — no MR points earned on these. Effective ceiling at ₹4L annual spend yields 48,000 total MR (8,000 base + 40,000 milestone).
what it costs
| joining fee | ₹3,500 |
|---|---|
| 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 | 15,000 Bonus MR Points |
| spend ₹4,00,000 | 25,000 Bonus MR Points + ₹10,000 Taj Stay Voucher |
where your points fly
move points to these airlines & hotels at the ratio shown (lower = better).
- Marriott Bonvoy1:1
- Hilton Honors1:1
- Singapore Airlines KrisFlyer2:1
- British Airways Executive Club2:1
- Qatar Airways Privilege Club2:1
- Emirates Skywards2:1
- Virgin Atlantic Flying Club2:1
- Cathay Pacific Asia Miles2:1
- Etihad Guest2:1
- Air France-KLM Flying Blue2:1
extras
| domestic lounges | 8/year (max 2 per quarter) |
|---|---|
| international lounges | — |
| 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 2026-05-28. apply links may carry an affiliate tag — see our disclosure.