American Express Platinum® Travel Credit Card

Lounge access

• 8 complimentary visits per year (limited to 2 complimentary visits per quarter) to airport lounges across India.
• Complimentary Priority Pass membership with US$99 annual membership fee waived (Priority Pass lounge visits themselves are chargeable).
• No complimentary international lounge access.

Verified · American Express Platinum® Travel Credit Card product page · 2026-08-03 · source

Forex markup

• Foreign currency conversion mark up of 3.5% (Currency Conversion Factor Assessment: 3.50%).
• Not applicable for Charges made in Nepal and Bhutan (denominated in INR).

Verified · MITC – Most Important Terms & Conditions for American Express Credit Cards (covers Platinum Travel Credit Card; updated 31 March 2026) · 2026-08-03 · source

Charge

• Finance/interest charge: 3.5% p.m. (42% p.a.).
• In case of default 3.99% p.m. (47.88% p.a.).
• Cash Advance Fee: 3.5% of cash advance amount, min ₹250.
• Foreign Currency Transactions: Currency Conversion Factor Assessment 3.50%.
• Duplicate Statement Fee: ₹100 per statement for statements older than 3 months.
• Cheque/NACH Return Fee: ₹250 per returned instrument.
• Record of Charge/Summary of Charge Retrieval Fee: ₹100 per retrieval.
• Convenience Fee on Railway Ticket: 1.8% of transaction value if booked on internet (IRCTC), min ₹10 + payment gateway charges + GST.
• Late Payment Charge: 30% of Minimum Payment Due, min ₹500, max ₹1,000 plus applicable taxes.
• Over-limit: ₹500 plus applicable taxes if credit limit exceeded (overlimit transactions temporarily disabled effective 1 October 2022).
• Standard Supplementary Card Fee: ₹1,500 (up to 2 supplementary cards complimentary).
• Schedule of Fees updated 31 August 2025.

Verified · MITC – Most Important Terms & Conditions for American Express Credit Cards (covers Platinum Travel Credit Card; updated 31 March 2026) · 2026-08-03 · source

Interest-free period

Up to 48 days interest-free credit period (payment due date is dynamic, varying from 18 to 23 days from statement generation date).

Verified · MITC – Most Important Terms & Conditions for American Express Credit Cards (covers Platinum Travel Credit Card; updated 31 March 2026) · 2026-08-03 · source

Fuel surcharge waiver

• Zero convenience fee on fuel purchases at HPCL for transactions less than ₹5,000.
• 1% convenience fee per transaction applicable for all HPCL transactions of ₹5,000 and above.

Verified · American Express Platinum® Travel Credit Card product page · 2026-08-03 · source

Milestone benefit

• Milestone Bonus Membership Rewards Points per membership year (12 months from card issuance/renewal): ₹1.9 Lakhs spend = 7,500 bonus points.
• ₹4 Lakhs spend = 10,000 bonus points.
• ₹7 Lakhs spend = additional 22,500 bonus points plus a Taj Stay voucher worth ₹10,000 from Taj, SeleQtions and Vivanta Hotels.
• All redeemable on Platinum Travel Collection.

Verified · American Express Platinum® Travel Credit Card product page · 2026-08-03 · source

Reward exclusion

Verified · American Express Platinum® Travel Credit Card product page · 2026-08-03 · source

Hotel benefit

Taj Experiences E-Gift Card / Taj Stay voucher worth ₹10,000 (non-transferable) valid for stays in India at Taj, Claridges Collection, SeleQtions, Gateway and Vivanta hotels, on spending ₹7 lakhs in a Cardmembership year.

Verified · American Express Platinum® Travel Credit Card product page · 2026-08-03 · source

Insurance

• Air accident insurance not applicable for this card (Air Accident Insurance is applicable only to the Platinum Reserve Credit Card; for Other Credit Cards it is Not Applicable).
• Death waiver: American Express offers a waiver of outstanding up to ₹50,000 on the Card in case of death of the Basic Cardmember.

Verified · MITC – Most Important Terms & Conditions for American Express Credit Cards (covers Platinum Travel Credit Card; updated 31 March 2026) · 2026-08-03 · source

Eligibility

If the Card is not activated within 37 days of Card approval, it will be cancelled.

Verified · American Express Platinum® Travel Credit Card product page · 2026-08-03 · source