American Express Platinum Travel Credit Card: The American Express Platinum Travel Credit Card, a premium credit cards issued by AmEx with tones of benefits and privileges for its customers. Basically this credit card is a travel card with lots of benefits in the travel categories and air mile benefits.
The benefits offered by this credit card are travel related they are such as booking air tickets, hotels, and cars on the Amex Travel Online portal, but also for shopping vouchers at online shopping sites, e-vouchers on American Express’s online shopping portal, for offline shopping using INSTA rewards and also can make the bill payments under Amex’s Cash + Points scheme.
Therefore, here in this article we are going to see the benefits and features provided by American Express Platinum Travel Credit Card and the eligibility to apply for the same.
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1. American Express Platinum Travel Credit Card Features and Benefits
The American Express Platinum Travel Credit Card comes with great privileges across different categories, especially travel.
Here we have mentioned the features and benefits offered by the American Express Platinum Travel Credit Card:
- Welcome Benefits: As a Welcome Benefit, you get 10,000 American Express Membership Rewards Points and which can be redeemed on e-commerce websites like Flipkart, for shopping e-vouchers from Amex’s store, offline payments using INSTA Pay, and for payment towards your card’s statement balance under the Cash + Points scheme. You get this welcome benefit only if you spend at least Rs. 15,000 in the first 3 months of the issuance of the card.
- Milestone Benefits: In a year if you spend Rs. 1.9 lacs, you are entitled to 15,000 Membership Rewards Points worth up to Rs. 7,500 and for redemption against Flipkart voucher or Pay with Points on AmEx Travel Online and expenditure of Rs. 4 lacs entitles you to 25,000 Membership Rewards Points worth up to Rs. 12,500 and for redemption against Flipkart voucher or Pay with Points on AmEx Travel Online and an additional Taj Stay Voucher worth Rs. 10,000.
- Travel Benefits: The American Express Platinum Travel Credit Card, considered as a travel card comes with plenty of travel-related benefits such as 8 domestic lounge access i.e., 2 per quarter and complimentary membership of Priority Pass, with USD 99 waived off for the international lounge and the Membership Rewards Points can be spent for hotel/flight/car bookings on the Amex Travel Online portal and expenditure of Rs 4 lacs also entitles you to a Taj Stay voucher worth Rs. 10,000 from the Taj, SeleQtions, and Vivanta hotels.
- Movie and Dining Benefits: On your dining bills at select partner restaurants on payment via the Platinum Travel Card, you get up to a 20% discount and also this credit card comes up with attractive offers on food delivery portals like Swiggy and Qmin.
- Fuel Surcharge Waiver: On your fuel transactions at HPCL fuel stations exceeding Rs. 5,000, cardholders will get a fuel surcharge waiver of 1%, fuel surcharge applicable on all transactions at all non-HPCL stations.
- Zero Liability Protection: You are not liable to fraudulent transactions made with the card in case of timely reporting i.e., within 3 days about the theft or loss of the card.
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2. American Express Platinum Travel Credit Card Fees and Charges:
- The Joining fee charges are- Rs. 3,500+ Taxes
- The Annual fee or Renewal fee charges are- Rs. 5,000 + Taxes.
- The Cash withdrawal fee, Rs. 250 or 3.5% of the withdrawn amount.
- On all the Foreign currency transaction, you have to pay forex fee of 3.5% on the transacted amount. This fee is to be paid on all international transactions done using this credit card.
- An interest rate of 3.5% per month (42% annually) is applicable on the due amount on the card if the cardholder is unable to clear all the dues by the payment due date.
3. American Express Platinum Travel Credit Card Eligibility Criteria to Apply:
The common eligibility criteria and the documents required to apply for American Express Platinum Travel Credit Card are as follows:
- The age limit for applying for this card is 18 years of age.
- The cardholder should be an Indian resident and an excellent credit score i.e., 750 with savings or current account in India.
- And should be resident of the cities- Delhi/NCR, Mumbai, Chennai, Bangalore, Pune, Hyderabad, Indore, Jaipur, Coimbatore, Chandigarh, Ahmedabad, Surat, Vadodra, Lucknow, Ludhiana, Nagpur, Mysuru, Trivandrum and Nasik.
- The cardholder should be either through salary with the annual income of Rs. 6 lakh or self-employment with atleast Rs. 6 lakh and above per annum and must have filed an income tax return of at least Rs. 6 lakh in the previous year and an at least 12 years old company.
- For Identity Proof documents you need are Aadhar Card, Voters Id, PAN Card, Passport, Driving License.
- For Address Proof, Utility bills of the latest months, Aadhar Card, Passport, and Ration card are the needed documents.
- For Income Proof, you need to submit the latest bank statement as a salaried person, and can also, submit your company ID card, if you are salaried, and if you are self-employed, you should submit your latest ITR.
4. How to Apply for American Express Platinum Travel Credit Card:
For American Express Platinum Travel Credit Card you can apply either online or offline. To apply for the offline mode you have to visit the near by bank branch and fill the physical credit card application form and provide the necessary documents.
And to apply online mode, you need to visit the official website of the bank i.e., www.americanexpress.com and search and select the Platinum Travel Credit Card and fulfill the application with required information.
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