American Express Platinum Travel Credit Card Review (India)

By | April 6, 2016
American Express Platinum Travel Credit Card

American Express Platinum Travel Credit Card (Its Plat reserve card in image, but its identical)

One of my friend recently reviewed about his Amex Gold Charge Card and from the responses and queries i received on that card, it appears that many are interested in it even though its very much less rewarding card. Well, Amex does their cool marketing magic to sell those gold charge cards. However, its still a charge card, means, your credit limit can be really high which is one of the major reason that you might consider holding one. Here, lets see a bit of details about the Amex Platinum Travel credit card.

To put in short, American Express Platinum travel Card is useful only for frequent flyers, especially Indigo flyers, because most of the milestone rewards on this card gives you only Indigo vouchers. You can also redeem your rewards points from over 600 other redemption options, but the point value is high only when you opt-for Indigo vouchers.

American Express Platinum Travel Credit Card Rewards:

  1. Welcome Gift: Rs.4,000 Worth Indigo Vouchers
  2. Spend Rs.1.90 lakhs in a year to get: Rs.7,700 Worth Indigo Vouchers
  3. Spend Rs.4 lakhs in a year to get: Rs.11,800 Worth Indigo Vouchers + Rs.10,000 Voucher from the Taj Group

So basically you spend Rs.4 Lakhs and get Rs.23,500 worth of Indigo Vouchers & Rs.10,000 Voucher from the Taj Group = Rs.33,500 in Total.

That’s an awesome ~8% Reward rate and stands above all premium cards like HDFC Regalia, HDFC Infinia and Diners Club Black. That makes this card to be the best travel credit card in India if you can utilize it properly on Indigo & Taj. Though, there might be few hidden terms in utilization of these vouchers.

Whatsoever, how i see it is, its a great Credit card for frequent flyers which gives 6% reward rate if we neglect Taj voucher as its not the day-to-day expense. However, the disadvantage is that you wont get anything good above 4 Lakhs spend as there are no more milestone benefits beyond that.

Amex India Vs Amex USA – Where Do we Stand?

American Express in USA is known for its generosity in issuing thousands of Signup bonus Miles. While we don’t get anything of that sort in India even with Amex, i see that the competition is picking up in past 1 year or so in Indian credit Card industry and this card is kind of validation of the fact that Amex India is trying to do some good in Indian Frequent Flyers Segment.

Features of American Express Platinum Travel Credit Card:

  • CardExpert Rating: 4.5/5
  • Reward rate: Upto ~8%
  • Complementary Airport lounge access: Yes, 4 Lounges per year. Most Mastercard Lounges are allowed in this Program.
  • Foreign Exchange Markup fee: 3.5% + Service Tax
  • Special Features: Spend based Bonus Milestone Rewards & Zero Lost Card Liability.
  • Personal Concierge Service: Amex is known for its unmatched service with 24×7 Platinum Assist and Emergency Card Replacement, anywhere in the world.

Interestingly, I don’t see even their top-end Plat Reserve card to be of this rewarding one (or, maybe i’m wrong), but i guess days are not too far for companies to issue 1000’s of rewards/airmiles as Indian Credit Card user base is growing up at a very great rate.

Wanna say something? Leave a comment below πŸ™‚

Author: Siddharth

I'm a Credit Card freak minting reward points and cashback for years. Obsessed with aviation, airport lounges and luxury travel at affordable cost.

74 thoughts on “American Express Platinum Travel Credit Card Review (India)

  1. chandru

    Hi Siddarth – Keep up the great work. Your blog made me consider for this card. I already have a gold card since 2010 and now I got this card as well.

    Which card in these two AMEX brands is worth to spend – Gold or Platinum Travel?
    As the movie blockbuster offer has ended, it makes not much motivation to use AMEX cards, isn’t ?

    Reply
    1. Siddharth Post author

      Chandru,
      Amex Plat Travel is the great one if you fly in Indigo. Gold card gives far way less value back compared to plat travel card.

      Reply
    2. Amrendra Kumar

      Platinum Travel is best among all travel card in India. Its mine 4th Yr and i am able to utilize all rewards of Indigo + Taj every year.
      I understand that its more beneficial for Delhi NCR and other Metro cities specially Bombay, Bangalore, Chennai & Kolkata or in nutshell the cities with maximum Indigo service.
      With Taj voucher you will generally get 1 night only. Which i had utilized once in Kerala (Kumarakom) then Jodhpur (Hari Palace), Goa (Vivanta-Panaji). Usually this may be utilized for last day of your vacation.

      1 thing correctly pointed out above that after spending Rs 4 lakh no reward milestone left so you may loss interest to spend more after that.

      Reply
  2. Bijit

    Hey Sid,

    Thanks for the review. Am a bit confused which card to go for… Am a bot confused with the Amex Platinum Travel and Citi Premiere miles…The things i am looking in a card are
    – Points Points and Points which can be used against air tkts
    – Complimentary airport lounge access
    – Discounts on holiday bookings and cash backs
    – Movie tkts

    Could you please advice

    Reply
    1. Siddharth Post author

      Well, you need multiple cards for this πŸ˜€
      – Amex plat travel is good for flying Indigo
      – SBI signature card will give u movie tickets + lounge access via VISA program
      – Premier miles gives points to be redeemed for tickets + lounge access via VISA program
      Tip: Get all πŸ˜‰

      Reply
  3. Parth

    Just started visiting your website. Thank you for your assessments. Please be advised that you have put up photo of american express platinum reserve card in your review of platinum travel card.

    Reply
    1. Siddharth Post author

      Thanks man. Yes, aware of it. Added a note so readers are not misguided πŸ™‚

      Reply
      1. Parth

        Actually thank you! I appreciate your insights and assessments. I have an american express platinum reserve card. Which do you suggest is best travel card? I only use Air India but I did not opt for SBI AI card as they’ve dropped AI FF status. Any other suggestions?

        Thanking you in anticipation,
        Parth

        Reply
        1. Siddharth Post author

          Amex plat travel is good and Any HDFC diners card would do as it has ongoing 10X rewards offer.

          Reply
          1. Parth

            Thanks a lot for this. I have amex plat reserve and I fail to see any travel benefits except 12 times a year lounge access at Mumbai (domestic terminal where AI does not operate) and Delhi (T3). 99$ waived off for Priority Pass membership but you still have to pay USD 27 for everytime you decide to use the lounge. I respect how you’re helping everyone optimize their spending. But I realize that it’s very hard to keep track of which card to use and when. Do you automate this in anyway?

            Are there cards which give $249 or $399 memberships of priority pass. I’m thinking of Citibank all miles. Would you recommend it for an AI flyer?

            Thank you very much for answering my questions.

          2. Siddharth Post author

            All HDFC Diners cards gives unlimited lounge access to domestic airports. For Priority Pass, check out infinia/regalia/allmiles/citi prestige. To me amex plat reserve doesn’t have any advantage except hotel deals. Amex Jet card is good if you need amex lounge access.

        2. Pranay

          Actually, the Amex Platinum Charge card comes with a full access Priority pass (no fees to be paid).

          But considering that the annual fees are ridiculously high for the Plat Charge, you’re better off buying the PP instead if you travel a lot and don’t have Elite Airline status.

          Reply
  4. Christopher Hanvey

    Would you be doing a review of the AMEX Platinum Reserve Credit Card anytime soon ? I am particularly looking at Golfing benefits on any card.

    Reply
    1. Siddharth Post author

      Yes, its in pipeline. You could also try HDFC cards for Golfing benefit.

      Reply
  5. Kunal

    Best site to know anything about credit cards, even granularity of it.

    Reply
  6. Mohit Gupta

    Hi Sid,

    Can you tell me that the milestone perks are recieved in between the year or only after completion of the year ?

    If after completion that means, one need to renew the card for the second year to avail benefits earned in the first year ?

    Reply
    1. Siddharth Post author

      Its received as soon as you complete the milestone. you don’t need to wait until year end, or renew.

      Reply
  7. Deepankar

    Hi Sid,

    The above mentioned milestone rewards are not showing on website –
    Spend Rs.1.90 lakhs in a year to get: Rs.7,700 Worth Indigo Vouchers

    I can only see this one – “Spend Rs.4 lakhs in a year to get: Rs.11,800 Worth Indigo Vouchers + Rs.10,000 Voucher from the Taj Group”

    Is Spend Rs.1.90 lakhs rewards withdrawn?

    Reply
  8. Subhankar

    Hi Sid,

    I use this card and it’s amazing until 4 lakh spend; after that I spend with Citi premiermiles and HDFC Regalia (I find Regalia more rewarding so far). Now Regalia is getting devalued in Nov; so what other card would you suggest which can give benefits at par current Regalia? I had considered HDFC Diner Black but it probably has acceptability issues in majority of places I believe (please correct me if I am wrong).

    I am a fan of your blog; keep up this hard work.

    –Subhankar

    Reply
    1. Siddharth Post author

      Yes Bank Preferred Card is equally good as Regalia if you’re fine with the redemption options they have.

      Reply
  9. Harish

    Hi, would you be able to clarify if the Indigo and Taj Vouchers be useable only by the card owner or can be used for making bookings for family & friends too?

    Also, the Taj vouchers that they give, are they of any use or the kind which are for name sake?

    Thanks.
    Regards,
    Harish

    Reply
    1. Siddharth Post author

      Indigo Vouchers are more like cash vouchers and anyone can use.
      Reg. Taj Voucher, I’ve recently used it to stay with my friends, but not sure if they would allow if my name is not present there.
      Mostly likely they wont, as its obvious.

      Reply
      1. Harish

        Thanks for the update. Been using Regalia and gives good rewards for the use and recently acquired the SBI Signature card to give it a go for an year, loving the BookMyShow free tickets offer. But now the returns on both cards have be reduced so was looking to get the Diners Black or this Amex Platinum Travel card. Wouldn’t be dumping the Regalia as its a lifetime free card.

        Apart from the landmark vouchers the rewards are not the tempting for the Amex card coz the required points for redemption is quite high. I still have the Taj vouchers that came with Regalia/Taj combo πŸ˜€

        Reply
  10. Dr. Kuladeep Reddy

    My experience with Amex Jetairways Card & Amex Gold Card is very bad. Even though i hold Make my trip card also. This card is value for money. Where as Amex Jetairways & Gold Charge card chages your a hefty Annual Charges. Which you cannot escape even if you are spending on your Amex cards high, But no benefit on either of this cards. I need to see if i am going to use the Amex Platinum Travel Card and give me any benefit.

    Reply
    1. Siddharth Post author

      lat travel card is worth it, if you’re flying in indigo often.

      Reply
  11. Karan

    Hi Sidharth, I currently have HDFC Regalia as well as AMEX Platinum Travel Credit Card. How would you suggest the usage considering I do use Indigo for personal travel a lot. Other than that just movies and occasional online shopping? I figured looking at their offers, It is wise to spend the first 4 lacs on AMEX and continue with Regalia for the rest. is my assessment correct? any other suggestions?

    Reply
  12. Kunal

    Hi Siddharth,

    I think it’s time to update the review. Amex Plat Travel started offering 4 complimentary lounge access in a year (no of lounges where it can availed are more than visa).

    Reply
  13. Chetan Dholu

    Hi Siddharth, What will be foreign transaction mark up fee on AMEX Platinum Travel Credit card?

    Reply
  14. Arjun

    Went ahead and applied for one after reading your review. Thanks for the comprehensive analysis of credit cards, Siddharth!
    Looking forward to having my first Amex card! The indigo vouchers policy is attractive to me because I do a lot of domestic travel and its mostly Indigo (I used to pay a little extra and book 9W because of JP Miles, now I wouldn’t have to).

    Reply
    1. Arjun

      the two major downsides I see now is the limited lounge access and foreign currency markup fee. My existing Regalia card gives me 12 International Lounge Access per year and 2% mark up fee as opposed to the 4 and 3.5% on amex.

      Reply
      1. ROHITH

        hi sid

        presently i am using HDFC Regalia… I am quite comfortable with it, now i received AE Plat Travel card as pre-approved with first year fee waived off. can i go for it….

        Reply
        1. Siddharth Post author

          Ofcourse, worth it. May i know how its sourced with first year fee being waived off?

          Reply
          1. hari

            Hi Siddarth,

            Keep up the good work. I received an invite today for a platinum travel card with 1st year fee waived. I already hold Gold charge & companian credit card.

          2. Siddharth Post author

            That’s Great!
            Was that a corporate offer?

  15. Prashant

    I recently received the card and have crossed the milestone of 1.9 l. Can I use the all the vouchers joining + milestone for single ticket booking or in one transaction of multiple tickets.

    Reply
  16. Karthik

    now i received AE Plat Travel card as pre-approved with first year fee waived off. can i go for it….

    Reply
    1. Siddharth Post author

      Someone is giving free credit line, why bother, go for it πŸ˜‰

      Reply
  17. kamat

    Is any option or condition is applicable for annual fee waiver from second year onward in case of American Express Platinum Travel Credit Card? As same is quoted by the sales person from amex in case of annual expenditure b/w 65-70k same will waived in 2nd year. Is any one have experience in this regard?

    Reply
    1. Siddharth Post author

      70k is way too less for waiver. Anywhere around 4-5L is good enough to approach for waiver.

      Reply
      1. Shantanu

        There is no waiver even if your spend cross 5lacs . Hence I am cancelling Amex Travel card

        Reply
        1. Siddharth Post author

          Really? Didn’t they offer a discounted fee even?

          Reply
  18. Pjain

    Hi siddharth !
    What a blog man ! Super work !

    I have three cards currently
    1. Citi premier miles card – flexibility to use miles on any airline/hotels
    2. Amex Jet
    3. Diners jet (recently acquired)

    Travel a lot internationally so you see all cards aim at collecting more miles and other travel benefits like lounge etc.

    However, now I feel the Amex jet is not such a great card specially after diners. Could you suggest any other card which can offer more benefits and I am particularly looking for complimentary lounge access for my Spouse as well.

    Any suggestions ?

    Reply
    1. Siddharth Post author

      Diners Black is good as it has 10x rewards.
      and you can take add-on on your diners jet for lounge access for your spouse.

      Reply
  19. Vijender

    The American Express Platinum Travel Credit Card has Annual fee –

    First year fee: Rs.3500 plus applicable taxes.
    Second year onwards: Rs.5,000 plus applicable taxes.

    Is there a way we can get the fee waived off like spending some specified amount annually? Otherwise it makes a big dent in the Rs.33,500 that I can earn in a year πŸ™

    Reply
    1. Siddharth Post author

      Renewal fee waiver is possible if you can spend high on the card. Am not sure about that exact amount though.

      Reply
  20. Rahul singh

    Hi,

    I have 75K Points collected on my regalia card. Want to jndersyand two things:

    1. Validity of points
    2. What is the optimism usage to the points as I don’t see much of travel benefits in their catalogue. All other listed items, I am not too keen to redeem.

    Reply
    1. Siddharth Post author

      Flight/recharge redemptions are the best.
      Validity is usually 2 years from date of accrual.

      Reply
  21. Balabharathi

    Applied for this card in corporate offer
    1St year joining fee waived off
    Spend 30 k in 3 months to get 4k indigo vouchers
    Spend 1.9 L in a year and get 50% renewal fee waived and spend 4 L to get 100 % renewal fee waived .

    Feels good , applied for the same today. Lets see

    Reply
    1. Siddharth Post author

      Nice that you grabbed a corporate offer. Congrats.

      Reply
  22. Varun

    I have recently taken Amex Platinum travel credit card. I have been given an indigo voucher of Rs. 4000/-. My question is once i reach the spending point of Rs. 1.9 lac and 4.0 lac, i will be elligible for indigo vouchers of Rs. 6000 and Rs. 10000. Can i use all these thre vouchers for one ticket or at one time while booking multiple tickets.

    Reply
  23. Himanshu Aggarwal

    Dear Sid,
    Amex staff told me that once I cross the spend of Rs. 4 lacs, points structure changes and you even get 2 points per Rs. 50 for fuel spends. Though you can earn 5 – 7 points per Rs. 50 on other spends, depending upon the spend category.
    Do you have any views on this….

    Reply
  24. Malavkumar Patel

    If you apply for American Express Platinum Travel Credit Card through Bankbazaar then first year fee is waived but you don’t get welcome reward points and you get renewal fee charges like anyone else. still it’s a good deal if you ask me, Get a card for one year and if you don’t like it then cancel before second year renewal.

    Reply
  25. Amit

    Do you get bonus points after completing an year, and paying the membership fee charges? I just paid my annual membership charges of Rs 5,000 + taxes, and I’m not sure if I would get bonus points for renewal.

    Reply
  26. Praveen Perumalla

    Got an email yesterday that starting June 9, Indigo vouchers will not be available for redemption. Instead we can redeem for spicejet vouchers (for same value, 1 MR = Rs. 0.5 ) or from and online travel agency (for a slightly lower conversion value. 1 MR = Rs. 0.4)

    Reply
  27. Arul

    I applied this card on yesterday. Indigo vouchers will be provided up to 9th JUN 17 after that it will be spice jet voucher.
    I can’t attach T&C images in this comments.

    Reply
  28. jai shah

    Hi Sid,

    I wanted to clarify one point. The welcome bonus as well as the spend based bonuses for 1.9L and 4L are given in the form of membership reward points or in the form of indigo vouchers? And what is the exact number of membership reward points that you do receive?

    Reply
    1. Praveen Perumalla

      The bonuses will be given as MR points. You can you use them to pay for your card expenses as cash credit in the ratio of (1RP =Rs.0.25). However, you get the best benefit if you redeem them for travel vouchers (1RP = Rs.0.5 fpr Spice Jet) and (1RP=Rs.04 for Amex vouchers that can used for any operator)

      Reply
  29. TEJINDER SINGH

    Hi Siddharth,
    Amazing job being done by you to help people decide on credit cards. I have a AMEX Gold Card. Am considering going in for a Platinum Travel Card. My usage is not so much for travel but routine expenditure and I like to redeem points for cash / bill pay. I have 2 questions:- A. Will I benefit by going in for the Plat Travel Card. B. If I make an annual spend of say 5 lakhs with the Platinum card will I be able to get the annual fees waived.
    Thanks

    Reply
  30. Praveen Perumalla

    My family (with kids) was supposed to travel least week on a sleeper bus and it seems the RTO guys have stopped all the sleeper buses since a couple of weeks now. The travels office has informed us about it only on the day of journey. I called Amex, redeemed my vouchers, and was able to get the flight tickets booked covering the entire cost of 16k using the vouchers.

    This is the first time, I had such a huge benefit from a credit card and wanted to share with you guys about the usefulness of this card and Amex for the quick turn around with the vouchers.

    Reply
  31. Arun

    I was misleaded by this article to buy AMEX Platinum Card. No Offense, On further inspection. this card is less rewarding like anywhere card. so i changed my Decision

    First 8 % Reward Rate is Applicable only on First year, You dont get 4000 Indigo vouchers every year

    Next on Spending 1.9 lakhs you get 6000 worth of vouchers and the rest 1700 is reward points that is which should not be in Fuel, Utilities, Insurance category, which is what most people spend on.

    Ok Lets say you managed to spend over two lakhs without this category you will get 6000+1700 ie 7700 worth of vouchers

    At this point annual fee of 5000+taxes takes away most benefit.

    Only if u make it to 4 lacs without Fuel, Utilities, Insurance, which is very tough according to me. you might get slight benefit with this card.

    Reply
    1. PRIYESH

      Hi,

      They consider all spends for 4Lac threshold, you just don’t receive rewards points for Fuel, Utilities, Insurance

      Priyesh

      Reply
  32. Arjun

    My Amex Platinum Travel card is up for renewal in 2 months. I’ll be hitting the 4L spend before that as well, if my calculations are right.
    However, I am confused if renewing it by paying 5k is worth it. I have Yes First Preferred and HDFC Regalia cards as well. Both of them LTF.
    Whats your opinion?

    Also, how much time does it take for the bonus reward points to be credited after the milestone spends are hit ?

    Reply

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