Loving My American Express Platinum Travel Credit Card (India)

By | May 3, 2016

I’ve reviewed about American express platinum Travel card recently and as you know, its impressive to see overall 8% reward rate as Indigo/Taj vouchers and so i planned to get hands on it. Its gonna be very much useful for me as i’ve planned for couple of domestic trips in coming months and Indigo being the best airline to fly within India, it sounds nice deal for me.

American Express India Application Process:

American Express application process was a breeze, the most user friendly and simplified process that i’ve ever seen. I applied offline through Amex sales guy and once i submitted all documents, i got an email in matter of few hours stating that i am conditionally approved for the card.

American Express Platinum Travel Credit Card in my Wallet

American Express Platinum Travel Credit Card in my Wallet

Within a week, verification process got completed and i received the card in hand the next week. The whole process took just 10 days. That’s incredibly fast compared to any other credit card issuer in India. For example, HDFC/ICICI/SBI takes more than 20 days to issue the card from the date of application.

My Experience with Amex Customer Support:

Amex have the best in class customer support in India. They can understand what you speak, they can solve most issues over the call, they’re nothing less than an expert. They’ve 24/7 support line with energetic executives on phone even on 2Am.

Every single CC executive that i’ve spoken has very good knowledge about the credit cards and can tackle rare questions very easily. Added to that, they’re extremely friendly in beginning the conversation which you might love every single time, though sometimes odd to see a stranger greeting you like 10 Yr old friend 😀

So far it feels really special to be with American Express (India) i would say.

Some Useful Tips:

  1. You can change your billing cycle with Amex credit cards. Just make sure there is no outstanding balance at the time of request.
  2. You may have upto 3 Amex cards at a time. Apply for the subsequent cards after 6 months of using your first card for better approval success rate.
  3. Spend more to get higher credit limit on your card easily. Especially Amex love those who spend much.

That being said, i’m planning to opt for American express gold charge card in coming months.

Need help with your Amex Application? If you’re in Tamilnadu, i can help you with processing your Amex card application offline. You can contact me here.

Do you have Amex plat travel Card? Share your experiences below.

25 thoughts on “Loving My American Express Platinum Travel Credit Card (India)

  1. Captain Bishuddha Bharatiya

    I know that the minimum requirement to apply for this card is Rs 6 lacs annual income and a firm of minimum 12 months old ( I have neither of those ).
    My question is that can I register for a new firm now and I will show income of more than 6 lacs annually and than can I get the above mentioned card and how much credit limit can I expect ?
    If you can suggest any other method of getting this card than it would be very appreciating .
    Could you please tell me how much annual income you had and what was the credit line sanctioned to you by Amex so that I can compare its credit limit with other banks.

    Reply
    1. Siddharth Post author

      I can help u with application if you’re in TN. Are u?
      If you’re holding other cards & if CIBIL is in good standing, yes, you can file the income and get it.

      I’ve been given a low Limit <1L initially, but whats good with Amex is that if your usage & repayment record is good, your limit can go very high in a yr, unlike other cards. one of my friend started with 75k limit and went upto 4L in a year. Hope it helps!

      Reply
      1. Captain Bishuddha Bharatiya

        Thanks a lot for your valuable suggestions.
        I live in West Bengal.
        I have ICICI Coral Amex Credit Card with 20k limit ( 2 months old ).
        I also have HDFC All Miles Credit Card with 1.5 lacs limit ( 7 months old ).
        My CIBIL should be in great shape as I have never missed any payments ever.
        So what should I do ?

        Reply
        1. Siddharth Post author

          Unfortunately, Amex doesnt source cards in West Bengal.
          You should have some work/resident address in the cities that American express currently provide cards.
          Else you got to wait until they take cards in West Bengal.

          Reply
      2. Vinod Kannan

        Amex initially gives <1 lakh initially by default.

        Reply
  2. ajithkumar

    dear sid,
    is there any annual fee for amex platinum travel card.can it be reversed.Is there any free lounge access.It is mentioned priority pass membership.is it including visit.

    Reply
    1. Siddharth Post author

      Ajit,
      1. Yes, it does come with 3,500+tax joining fee
      2. No complimentary lounge access
      3. No, its only for Priority pass membership, no free visits.
      Hope it helps!

      Reply
    2. Vinod Kannan

      They will reverse the next year renewal fee if u approach them (atleast by half for sure). If u want complimentary lounge access, u gotta go for AMEX JETPRIVILEGE CARD

      Reply
  3. Prashant Agrawal

    AmEx is one card which I have been eyeing for a long time. I have just not been able to find the balance between the fees, spending and rewards yet (spread over 4 other credit cards). But my eyes glow up whenever I see one every time 😀

    All in good time.

    Reply
  4. Deepak

    Hey.
    Can you please explain about the indigo vouchers.. Can we use all vouchers in a single booking? Maximum amount that can be used in a single booking…

    About taj voucher.. Is it fully redeemable through online booking?

    Please help.

    Thanks

    Reply
    1. Siddharth Post author

      You can use upto 9 vouchers or so in single Indigo booking.
      Taj voucher can be used in person. You just need to book the hotel before.

      Reply
      1. Deepak

        I recently applied for it and got it approved. Got nice offer of lifetime free part of their some promotion. I see one issue on using indigo vouchers that I need to wait for 1week+ to get it in my hand so I have to plan for it ? Is there any other option – directly redeeming points on indigo website or e-voucher ? Believe same is the case with Taj vouchers ?

        Reply
        1. Siddharth Post author

          You’ll receive indigo voucher post giving 24-48 of redemption request. Its a e-voucher (cash voucher) that can cover entire flight cost, no hassles with tax, etc.
          Taj voucher is also fully redeemable cash voucher which you have to present in person while you visit the property.

          Reply
  5. Rachit

    Some cards have fee waived off for 1st year and offer tremendous benefits like Amex platinum travel. If I close the card after 8 months after availing free benefits, Would I be charged anything.

    ALso, some SBI card offer 20,000 miles for annual fee card of 5000. I have heard that these miles are equal to 4 tickets. People take advantage of 4 tickets at 5000 and then after 8 months closes their card.

    ALso, what are the terms and conditions of using Make my trip vouchers of 9000 on amex cards and Indigo vouchers. Make my trip vouchers does not make sense to me because at a time, we can use only 1 voucher of 1000.

    Reply
    1. Siddharth Post author

      Yes, you can close card in a yr if you want to, its allowed and is normal.
      MMT vouchers are useless from my point of view.
      Indigo vouchers are like Cash vouchers, i’m using it often and its good.

      Reply
  6. Nandhakumar

    Eligibility to get amex plat travel card
    1.now I have axis privilege card with 1 lakh limit
    2.where I will apply

    Reply
  7. Anoop

    Hi Siddharth

    Can you clarify what Amex means by self-employed? Does regular freelance income of 75k+ per month count towards this if I provide them my income tax record? (aka 9 lacs/annum).

    Thanks

    Reply
    1. Siddharth Post author

      That should be enough. 6L pa is what they look for.

      Reply
      1. Anoop

        Thanks for the quick reply! I’m aware that the amount should be fine, but do you think that they make a distinction between self-employed and freelance work?

        Reply
  8. Arjunlal

    The card benefits description says “Complimentary membership* to Priority Pass, with US$99 annual membership fee waived off.”, but in conditions it says “Cardmember/accompanied guest has to pay a usage fee of US$ 27 for every visit”
    Does this mean, we get a priority pass, but to access lounges we need to pay USD27 per visit?

    I sometimes don’t get these items. Unnecessarily complicated structure of conveying information. For eg:- I have a HDFC Regalia Card and with the Priority Pass that comes with it, I get 12 free lounge visits per year. Nothing of that sort mentioned in the Amex Platinum Travel Card page.

    Reply
    1. Siddharth Post author

      Arjun,
      Free Visits not avail with Amex Plat travel card. Only PP membership fee is waived.

      Reply
  9. Vinit

    Hello Siddharth,
    Thanks for review.
    could you please guide me how to use it effectively? apart from Indigo
    Thanks

    Reply
    1. Siddharth Post author

      Vinit,
      Hold on to Big spends until Diwali/New Year season as they run lots of spend based offers at that time.
      This way, you can get more than 10% value out of it.

      Reply

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