Amex Platinum Review: Is It Worth It for Travel Rewards in 2026?
Top-tier Ultra Premium card with 5× earn on travel and access to 4 transfer partners.
Amex Platinum fee structure and eligibility
| Detail | Value |
|---|---|
| Annual fee | ₹66,000 |
| Joining fee | ₹66,000 |
| Welcome bonus | 66,000 points |
| Eligibility tier | Ultra-premium — invite-only or ₹50L+ income |
Amex Platinum earn rates by spend category
| Category | Earn Rate |
|---|---|
| Travel | 5 points per ₹50 |
| Dining | 5 points per ₹50 |
| Online | 3 points per ₹50 |
| Retail | 1 points per ₹50 |
| Fuel | 1 points per ₹50 |
| Other | 1 points per ₹50 |
ShopWise accelerated rates
| Category | Portal Rate |
|---|---|
| Flipkart | 10× via ShopWise |
| Uber | 10× via ShopWise |
| Amazon | 5× via ShopWise |
| Zomato | 5× via ShopWise |
| Travel | 5× via ShopWise |
Where Amex Platinum points transfer
| Program | Transfer Ratio |
|---|---|
| Singapore Airlines KrisFlyer | Check issuer portal for current ratio |
| British Airways Avios (Executive Club) | Check issuer portal for current ratio |
| Marriott Bonvoy | Check issuer portal for current ratio |
| Hilton Honors | Check issuer portal for current ratio |
Transfer ratios change periodically. Always verify the current ratio on your Amex rewards portal before initiating a transfer.
What Amex Platinum does well
- High earn rate: 5 points per ₹50 on travel spends
- Wide transfer partner network with 4 airline and hotel programs
- Generous welcome bonus of 66,000 points
- 5× Membership Rewards on travel bookings
- Centurion Lounge access at global airports
Where Amex Platinum falls short
- High annual fee of ₹66,000 requires significant spend to justify
- Poor fuel earn rate — not suitable as a primary fuel card
- High income requirement limits accessibility
Amex Platinum earns across Singapore Airlines KrisFlyer and British Airways Avios (Executive Club). Pick your destination and see what your points unlock.
Amex Platinum frequently asked questions
What is the annual fee for Amex Platinum?
Amex Platinum has an annual fee of ₹66,000 with a joining fee of ₹66,000. New cardholders receive 66,000 welcome bonus points.
What are the best spend categories for Amex Platinum?
Amex Platinum earns the highest rewards on travel spends at 5 points per ₹50. 5× Membership Rewards on travel bookings.
Which airline and hotel partners can I transfer Amex Platinum points to?
Amex Platinum points transfer to: Singapore Airlines KrisFlyer, British Airways Avios (Executive Club), Marriott Bonvoy, Hilton Honors. Transfer ratios vary by partner — check your issuer's portal for current rates.
Who should get the Amex Platinum card?
Amex Platinum is best suited for ultra premium and travel spenders. Ultra-premium — invite-only or ₹50L+ income.