American Express Platinum Travel Credit Card: Poori Jaankari

American Express Platinum Travel Credit Card credit card duniya mein ek alag pehchaan banata hai, jisme fayde, rewards, aur exclusive privileges ka ek unique mix hai. Chaliye details mein jaake samajhte hain ki yeh card humein kya-kya sujhata hai.

American Express Platinum Travel Credit Card Fees:

Joining Fees: ₹3,500 + GST (Referral benefits ke saath joining fee waived)
Renewal Fees: ₹5,000 + GST

American Express Platinum Travel Credit Card ke fees segment mein, joining fees ₹3,500 + GST hain, lekin yeh fees referral benefits ke saath waive ho sakti hai. Renewal fees ₹5,000 + GST hai. Yeh fees premium category ke credit card ke features ke mutabiq hain, lekin yeh justified hote hain agar aap card ke saare fayde istemaal kar paate hain.

Welcome Benefits:

Joining Benefits:

  • Referral Cards ke liye: ₹5,000 mein kharch karne par 2000 Membership Rewards (MR) Points
  • Paid Cards ke liye: Pehle 90 dino mein ₹15,000 mein kharch karne par 10,000 MR Points

Joining benefits segment mein, agar aap card ko kisi ne refer kiya hai, toh aapko ₹5,000 kharch karne par 2000 Membership Rewards (MR) Points milte hain. Jabki agar aap paid card holder hain, toh pehle 90 dino mein ₹15,000 kharch karne par aapko 10,000 MR Points milte hain. Yeh benefits card ko istemaal karne ka ek positive

Renewal Benefits:

  • Koi nahi

Renewal benefits segment mein, card renewal par koi specific benefits nahi hain. Lekin yeh khaas baat hai ki renewal fee waiver bhi nahi hoti hai, jo kuch premium cards par available hoti hai. Renewal ke features mein koi major attraction nahi hai.

Renewal Fee Waiver:

  • Not Applicable

Card ki renewal fee waiver ki baat karein, toh yeh feature iss card mein available nahi hai. Aapko renewal fee pay karni hogi. Yeh ek factor hai jo potential applicants ko dhyan mein rakhna chahiye, khaaskar agar woh renewal benefits ki taraf inclined hain.

Additional Benefits:

Spending Milestones:

  1. ₹1.90L kharch karne par: 3800 Regular MR Points + 15,000 Bonus MR Points
  2. ₹4L kharch karne par: 4200 Regular MR Points + 25,000 Bonus MR Points + ₹10K Taj Voucher
  3. Cumulative Points: 8000 Regular MR Points + 40,000 Bonus MR Points + ₹10K Taj Voucher
  4. Total Potential: Dono milestones complete karne par takriban 48,000 MR Points

Spending milestones segment mein, cardholders ko alag-alag spending levels par bonus MR Points aur Taj Vouchers milte hain. Jab aap ₹1.90L kharch karte hain, toh aapko 3800 Regular MR Points aur 15,000 Bonus MR Points milte hain. Agar aap ₹4L kharch karte hain, toh aapko 4200 Regular MR Points, 25,000 Bonus MR Points, aur ₹10K ka Taj Voucher milta hai. Yeh benefits card ka usage badhane mein madad karte hain.

Cumulative points ke hisaab se, agar aap dono milestones complete karte hain, toh aapko total 48,000 MR Points tak mil sakte hain. Yeh substantial rewards hain jo aapke frequent spending ko aur bhi lucrative banate hain.

Reward Redemption Options:

  • Alag-alag brands ke liye varying values wale Insta Vouchers.
  • Airlines aur Hotel Partners mein points transfer karke potentially higher value redemption.

Reward redemption options segment mein, cardholders ko Insta Vouchers aur Airlines aur Hotel Partners ke saath points transfer ka option milta hai. Insta Vouchers alag-alag brands ke liye available hote hain, jinke values alag hoti hain. Points transfer karke aap airlines ya hotels ke saath potentially higher value redemptions bhi kar sakte hain.

Spends Area and Reward Rates:

  • Har spend par: 1 MR Point/ ₹50 kharch (*Insurance payments, Utilities, aur milestone spends ke liye fuel excluded)

Spends area and reward rates segment mein, har ₹50 kharch par aapko 1 MR Point milta hai, lekin yeh rule insurance payments, utilities, aur milestone spends ke liye fuel ke transactions ko exclude karta hai. Yeh straightforward rewards system hai jo users ko unke har kharch par ek tangible return provide karta hai.

Other Benefits:

  • Airport Lounge Access: Har quarter mein 2 domestic lounge visits.
  • Fuel Surcharge Waiver: Transaction amount aur fuel station ke depend par varied rates.
  • Forex Markup Charges: Standard 3.50% + GST.

Other benefits segment mein, cardholders ko 2 domestic lounge visits per quarter ka access milta hai, jo ek premium credit card ke essential features mein se ek hai. Fuel surcharge waiver segment mein, transaction amount aur fuel station ke depend par varied rates milte hain. Forex markup charges standard 3.50% + GST hote hain, jo international transactions par applicable hote hain.

Eligibility Criteria:

  • Minimum gross income ₹6LPA chahiye, chahe aap salaried ho ya self-employed.
  • CIBIL score kam se kam 750 hona chahiye.
  • Kisi bhi serviceable area ka address proof chahiye.

Eligibility criteria segment mein, card ke liye minimum gross income ₹6LPA chahiye, chahe aap salaried ho ya self-employed. CIBIL score kam se kam 750 hona chahiye, jo creditworthiness ko measure karta hai. Address proof bhi hona chahiye jo kisi bhi serviceable area ka ho.

Conclusion:

American Express Platinum Travel Credit Card woh logon ke liye ek compelling choice hai jo basic transactions se kuch zyada chahte hain. Welcome benefits, spending milestones, aur flexible reward redemption options ka combination ise ek versatile aur rewarding financial companion banate hain. Fees toh hain, lekin potential rewards aur privileges un costs ko outweigh karte hain jo log card ke features ko puri tarah se istemaal kar sakte hain. Lekin, jo bhi apply karna chahte hain, unhe ensure karna chahiye ki woh eligibility criteria ko poora karte hain taki woh card ke features ka poora fayda utha sakein.

Leave a Comment