In the event you’re searching for a greatest journey bank card in India, the American Categorical Platinum Journey Credit score Card is a should have in your pockets. The engaging reward charge on the cardboard is simply too good to consider and it holds intact even after so a few years of it’s existence.
It has been holding the “greatest journey bank card” tag nearly yearly for a couple of decade and so it’s undoubtedly an incredible product. Right here’s the detailed assessment of the Amex platinum journey bank card,
Overview
| Kind | Journey Credit score Card |
| Reward Price | 1% – 8.5% |
| Becoming a member of Charge | |
| Greatest for | Taj Vouchers & Marriott factors transfers |
| USP | Milestone advantages |
American Categorical Platinum Journey Credit score Card has been everybody’s #1 alternative when searching for a journey bank card as a result of it comes with a sexy worth and a comparatively simple to succeed in spend targets.
At present, among the finest provide you can get is a First Yr FREE restricted interval provide if you apply utilizing a referral hyperlink.
*** Restricted Interval Provide: First Yr FREE ***
Apply via the hyperlink on the web page & you’ll get it First Yr Charge Free* (Saving INR 3,500) + 2,000 Referral Bonus Membership Rewards® factors (spend INR 5,000 inside 90 days)
Charges
| Becoming a member of Charge | |
| Welcome Profit | |
| Renewal Charge | 5,000 INR+GST |
| Renewal Profit | Nil |
| Renewal Charge waiver | Nil |
Whereas there aren’t any renewal profit (or) renewal charge waiver situation, you perhaps eligible for the retention profit primarily based in your profile/spends which can embrace full waiver of the charge as properly.
Do word that the reward charge takes a bit hit when you think about the renewal charge. Nevertheless, there’s a proper strategy to about it, we’ll focus on that later within the article.
Notice: That is platinum journey card and never platinum cost card, which some will get confused usually, as a number of Amex playing cards carries the “platinum” tag.
Design
Whereas I’m not an excellent fan of the Platinum Journey Credit score Card’s design, it’s delicate and also you wouldn’t be disenchanted to have it in hand.
Platinum Journey and Platinum Reserve playing cards seems comparable besides a black line working alongside the appropriate facet of the cardboard on Reserve.
Rewards
| SPEND TYPE | REWARDS | REWARD RATE (CASH CREDIT) | REWARD RATE (MARRIOTT/TAJ VOUCHER) |
|---|---|---|---|
| Common Spends | 1 MR on each 50 INR spend | 0.50% | ~1% |
- Excluded spends: Insurance coverage, Utilities, Gas
- Rewards don’t expire.
The reward factors earned on American Categorical Platinum Journey Credit score Card are ideally meant for Marriott transfers (or) Taj voucher redemptions (based on me), as different choices usually are not engaging sufficient.
Additionally word that the MR factors earned on plat journey can’t be pooled with different Amex playing cards, so you possibly can’t redeem for Gold (or) Platinum rewards assortment.
Whereas the reward charge on common spends is just not that engaging as seen above, its all in regards to the milestone advantages that makes this card actually click on!
Milestone Profit
| Spend Milestone | Profit | Worth | Worth (Cumulative) | Financial savings (Cumulative) |
|---|---|---|---|---|
| 1.9 Lakhs | 15,000 MR (Bonus) | ~7500 INR | 7,500 INR | 3.9% |
| 4 Lakhs | 25,000 MR (Bonus) + 10,000 Taj Voucher | ~22,500 INR | 30,000 INR | 7.5% |
- Notice: You’ll unlock 2 advantages on hitting 4L milestone spend, as above.
Notice that the above calculation is completed by contemplating “1 MR = 0.50 INR” as we simply get that worth by transferring to Marriott or redeem for Taj voucher redemptions.
With Amex Platinum journey card, you might also redeem your MR factors for Flipkart vouchers on the charge of “1MR = 0.30 INR” however that’s not a sensible possibility for my part.
So, if we think about common rewards together with milestone advantages, we get a great ~8.5% return on spend submit reaching 4L milestone.
What else one can ask for?!
Notice: On reaching milestones, you’ll solely get 7,500 and 10,000 “bonus” MR factors, you’ll then must name assist and ask them to credit score remaining factors into your account. Will get executed in a minute.
Airport Lounge Entry
| Entry Kind | Through | Entry Restrict |
|---|---|---|
| Home | Amex | 8 (2/qtr) |
| Worldwide | Precedence Move | – |
Whilst you get complimentary “membership” to Precedence Move for worldwide lounge entry, you do-not get any complimentary “entry” with it, sadly.
Notice that you just’re eligible just for common home lounge entry however to not the American Categorical Lounges positioned in Delhi & Mumbai. To entry these lounges you’ll both want Amex Reserve (or) Amex Platinum Cost Playing cards.
My Expertise
I’ve been utilizing American Categorical Platinum Journey Credit score Card since previous 6 years and it has been an incredible time with the cardboard up to now.
I’ve used the Taj vouchers acquired via amex platinum journey card and different Amex provides to discover a few of the stunning Taj properties (amongst others) throughout the nation. Listed here are a few of the good ones that I’ve explored,
- Taj Santacruz, Mumbai
- Taj Fisherman’s Cove, Chennai
- Taj Mahal Palace, Mumbai
- Vivanta, Guwahati
- Vivanta, Coimbatore
- Taj Lands Finish, Mumbai
- Taj Bengal, Kolkata & few extra
Which one is your most-loved or aspirational Taj property? Perhaps I can cowl the assessment of it if that pursuits you.
Different Advantages
- International Change Markup charge: 3.5% + Service Tax
- Amex medical insurance advantages (with ICICI Lombard)
- Amex Festive Presents
Find out how to apply?
Chances are you’ll apply on-line/offline or at airport shops (no particular airport provides for the time being), whichever is handy for you.
At present, among the finest provide you can get is a First Yr Free Restricted interval provide if you apply utilizing a referral hyperlink.
To sweeten this, you can even get one other 2K Bonus Factors by spending Rs.5000 inside 90 days of membership.
*** Restricted Interval Provide: First Yr FREE ***
Apply via the hyperlink on the web page & you’ll get it First Yr Charge Free* (Saving INR 3,500) + 2,000 Referral Bonus Membership Rewards® factors (spend INR 5,000 inside 90 days)
FAQ’s
1. Is it nonetheless good in 2022?
Very a lot it’s, because it has the reward charge that’s is without doubt one of the greatest in trade.
2. What different journey playing cards can I maintain together with Amex Platinum Journey?
Typically most travellers I do know have Amex platinum Journey + Axis Magnus + Axis Vistara Infinite (First Yr FREE for a restricted interval). That’s an excellent combo to fetch total common reward charge of >10% simply.
3. My handle proof is just not in serviceable space, what to do?
Amex is strict on that for now (as they know what occurs once they don’t observe RBI guidelines) and so can apply solely with legitimate handle proof. Altering Aadhaar handle is fairly fast and that works for many.
4. I don’t want a journey card, what different Amex card can I’ve for rewards?
It is best to then in all probability discover the MRCC card which can be issued as First Yr Free. The identical may be utilized through this referral hyperlink.
5. How briskly does Amex course of the applying?
Often inside ~2 days for approval standing and one other ~3 days for supply. They’re usually tremendous quick. If it’s your first AMEX Card, it’d take extra 1 week relying on varied elements.
6. Find out how to get renewal charge waived?
Spending >7L a 12 months normally helps in renewal charge waiver, maybe you may make use of the spend linked provides submit hitting 4L.
Bottomline
With a beautiful reward charge of ~8.5% the American Categorical Platinum Journey Credit score Card is without doubt one of the highest rewarding bank card in India and its a should have in your pockets when you love journey advantages.
That stated, the one concern with the cardboard could be the acceptance, but it surely’s comprehensible that those that will get this card are almost definitely to make use of it solely at premium motels and eating places the place the acceptance is mostly not a difficulty.
What’s your tackle the American Categorical Platinum Journey Credit score Card? Be happy to share your ideas within the feedback beneath.
