American Express India Platinum Travel Collection

Lounge access

• Complimentary airport lounge access available only to the Primary/Basic Cardmember at eligible domestic lounges in India (departure only) on a first-come-first-serve basis. 2 complimentary visits per quarter.
• After 2 complimentary visits per quarter the Cardmember pays the defined discounted rate for each access.
• Complimentary visits are not carried forward.
• Complimentary access granted upon successful authorization of INR 2.00 on the Amex EDC terminal at the lounge.
• Platinum Travel customers do not get access to American Express Proprietary Lounge.
• International lounge visits (via Priority Pass) are not complimentary.

Verified · General Terms & Conditions – American Express Platinum Travel Credit Card · 2026-08-04 · source

Forex markup

• Foreign currency conversion mark up of 3.50% (Currency Conversion Factor Assessment).
• Not applicable for Charges made in Nepal and Bhutan which are denominated in Indian Rupees.

Verified · Most Important Terms & Conditions (MITC) + Key Fact Statement – American Express Credit Cards (covers Platinum Travel Credit Card) · 2026-08-04 · source

Charge

• Finance/interest charges: 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, minimum ₹250.
• Late Payment Charge: 30% of Minimum Amount Due, minimum ₹500 and maximum ₹1,000, plus applicable taxes.
• Foreign Currency (Currency Conversion Factor Assessment): 3.50%.
• Standard Supplementary Card Fee: ₹1,500 (up to 2 supplementary cards complimentary).
• Overlimit charge: ₹500 plus applicable taxes (overlimit transactions temporarily disabled effective 1 October 2022).
• Duplicate Statement Fee: ₹100 per statement (older than 3 months).
• Cheque/NACH Return Fee: ₹250 per returned instrument.
• Record of Charge/Summary of Charge Retrieval Fee: ₹100 per retrieval.
• Railway ticket convenience fee: 1.8% of transaction value if booked on internet (IRCTC), minimum ₹10 plus payment gateway charges and GST.
• Fuel convenience fee: 0% for HPCL below ₹5,000, 1% for HPCL ₹5,000 and above, 1% at BPCL/IOCL (min ₹10), 2.5% at other Oil Marketing Companies (min ₹10).
• All charges exclusive of applicable taxes.
• (Schedule of Fee and Charges updated as on 31 August 2025; MITC updated as on 31 March 2026.).

Verified · Most Important Terms & Conditions (MITC) + Key Fact Statement – American Express Credit Cards (covers Platinum Travel Credit Card) · 2026-08-04 · source

Interest-free period

• Up to 48 days interest free credit period (subject to conditions).
• Payment due date is dynamic and varies from 18 to 23 days from statement generation date depending on previous month's payment behaviour.

Verified · Most Important Terms & Conditions (MITC) + Key Fact Statement – American Express Credit Cards (covers Platinum Travel Credit Card) · 2026-08-04 · source

Fuel surcharge waiver

• Fuel convenience fee: 0% for HPCL transactions under ₹5,000.
• 1% per transaction for HPCL on/above ₹5,000.
• 1% (min ₹10) at BPCL and IOCL.
• 2.5% (min ₹10) at all other Oil Marketing Companies, plus applicable taxes.

Verified · Most Important Terms & Conditions (MITC) + Key Fact Statement – American Express Credit Cards (covers Platinum Travel Credit Card) · 2026-08-04 · source

Milestone benefit

• Effective 09-03-2026, spend milestones in a Cardmembership year: ₹1,90,000 = 7,500 Membership Rewards points.
• ₹4,00,000 = 10,000 Membership Rewards points.
• ₹7,00,000 = 22,500 Membership Rewards points plus a Taj Stay voucher worth ₹10,000 (valid at Taj, Claridges Collection, SeleQtions, Gateway and Vivanta hotels in India).
• Bonus points earned only once per Cardmembership year.
• Year = 12 months from date of Card issuance/renewal.
• Eligible spends exclude cash advances, express cash, drafts, balance transfer and fees, net of returns.

Verified · General Terms & Conditions – American Express Platinum Travel Credit Card · 2026-08-04 · source

Redemption value

• Membership Rewards Points accrued on the Platinum Travel Credit Card no longer expire (beginning 3 May 2022) while the card is active and in good standing.
• On Cardmember-initiated cancellation, points are forfeited within 30 days of cancellation.
• If a Card/Linked Account is not in good standing, accrued points may be forfeited immediately.
• Redeemed Membership Rewards/Vouchers are not exchangeable, refundable, replaceable or transferable for cash or credit.

Verified · General Terms & Conditions – American Express Platinum Travel Credit Card · 2026-08-04 · source

Reward cap

Bonus Membership Rewards points can be earned only once in a Cardmembership year (year = 12 months from date of Card issuance/renewal).

Verified · General Terms & Conditions – American Express Platinum Travel Credit Card · 2026-08-04 · source

Reward exclusion

Verified · General Terms & Conditions – American Express Platinum Travel Credit Card · 2026-08-04 · source

Dining benefit

Discounts of up to 20% every time you dine at select restaurants.

Verified · Platinum Travel Collection product page · 2026-08-04 · source

Hotel benefit

• Taj Stay voucher worth ₹10,000 valid only for stays in India at Taj, Claridges Collection, SeleQtions, Gateway and Vivanta hotels.
• Subject to room availability.
• One-time use only (balance forfeited if used partially).
• Redeemable via Taj Reservation Worldwide against room charges, food & beverage, spa and other services billed to the room.
• Non-transferable.
• Cannot be used for standalone restaurant/spa spend, groups, conferences, weddings, events, or Amex Card member rates.

Verified · General Terms & Conditions – American Express Platinum Travel Credit Card · 2026-08-04 · source

Travel benefit

• Complimentary Priority Pass membership with the US$99 annual membership fee waived.
• Basic Cardmember visits and any accompanying guests are charged at prevailing rates (currently US$35 per person per visit), automatically charged to the Platinum Travel Credit Card.

Verified · Platinum Travel Collection product page · 2026-08-04 · source

Insurance

• No air accident insurance for Platinum Travel Credit Card (Air Accident Insurance is Not Applicable for Other Credit Cards; only Platinum Reserve has the ₹1,00,00,000 cover).
• Insurance cover is optional and provided under a group policy purchased by AEBC.
• Premium borne by AEBC.
• Eligibility requires use of the Card for the purchase and full payment of annual/renewal fee.

Verified · Most Important Terms & Conditions (MITC) + Key Fact Statement – American Express Credit Cards (covers Platinum Travel Credit Card) · 2026-08-04 · source

Eligibility

• Benefits available as long as the Cardmember's accounts (including all linked accounts) are in good standing.
• Airport lounge and Priority Pass benefits are available only to the Primary/Basic Cardmember.
• If the Card is not activated within 37 days of Card approval, it will be cancelled.

Verified · General Terms & Conditions – American Express Platinum Travel Credit Card · 2026-08-04 · source

Official terms

https://www.americanexpress.com/in/credit-cards/platinum-travel-credit-card/.

Verified · Platinum Travel Collection product page · 2026-08-04 · source