{
  "id": "american-express-platinum-travel",
  "locale": "en",
  "name": "American Express Platinum Travel Credit Card",
  "bank": "American Express",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹5,000 + GST (First Year ₹3,500 + GST)",
  "loungeAccess": "2 Domestic Lounge visits / quarter (₹1L spend gate from Oct 2026)",
  "rewardsRate": "1 MR point per ₹50 spent · Milestone-driven travel rewards",
  "bestFor": "Optimized milestone spenders targeting Marriott Bonvoy points & Taj stay vouchers",
  "officialLink": "https://www.americanexpress.com/in/credit-cards/platinum-travel-credit-card/",
  "aiVerdict": {
    "score": 2.2,
    "summary": "It offers baseline benefits without any standout strength in rewards, fees, or lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹5000) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 0.75
  },
  "affiliateId": "american-express-platinum-travel",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "American Express India — Platinum Travel schedule of benefits & devaluation notice",
    "American Express terms & conditions effective September 10, 2026"
  ],
  "feeWaiver": "No standard annual fee waiver",
  "networks": [
    "Amex"
  ],
  "quickFacts": [
    {
      "key": "Base Earn Rate",
      "value": "1 MR pt / ₹50 spent"
    },
    {
      "key": "Milestone Reward",
      "value": "10,000 MR pts at ₹4L spend"
    },
    {
      "key": "Taj Stay Voucher",
      "value": "₹10,000 at ₹4L · ₹20,000 at ₹7L"
    },
    {
      "key": "Lounge Access",
      "value": "2 visits / qtr (₹1L spend gated)"
    },
    {
      "key": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "key": "Welcome Gift",
      "value": "10,000 MR points"
    }
  ],
  "earnRates": [
    {
      "category": "General Online & Retail Spends",
      "rate": "1.0% (1 MR pt / ₹50)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 MR Points"
    },
    {
      "category": "Travel Bookings & Flights",
      "rate": "1.0% (1 MR pt / ₹50)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 MR Points"
    },
    {
      "category": "Utilities & Insurance",
      "rate": "1.0%",
      "monthlyCap": "₹25,000 / month cap",
      "perLakhSpent": "2,000 MR Points"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 MR Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Amex Reward Multiplier (Apple, Nykaa, Ajio) — SCHEDULED FOR DISCONTINUATION 30 Sep 2026",
      "multiplier": "3×",
      "rate": "3.0%",
      "monthlyCap": "25,000 bonus pts / month",
      "dailyCap": "—",
      "note": "Channel remains active until 30 September 2026. On that date, select-brand acceleration is scheduled to discontinue per the official Reward Multiplier page. Base 1 MR pt / ₹50 continues unchanged."
    },
    {
      "channel": "Amex Reward Multiplier (Amazon, Flipkart Vouchers) — SCHEDULED FOR DISCONTINUATION 30 Sep 2026",
      "multiplier": "2×",
      "rate": "2.0%",
      "monthlyCap": "10,000 bonus pts / month",
      "dailyCap": "₹10,000 / day",
      "note": "Channel remains active until 30 September 2026. On that date, the Instant Gyftr voucher route is scheduled to discontinue. ShopWise e-voucher acceleration across 200+ brands continues."
    },
    {
      "channel": "ShopWise E-Voucher Acceleration (Active)",
      "multiplier": "Up to 5×",
      "rate": "Up to 5.0%",
      "monthlyCap": "Per brand caps as listed on ShopWise",
      "dailyCap": "—",
      "note": "Acceleration through ShopWise, AmEx's independent e-voucher platform offering 200+ brands, continues unchanged through and after 30 September 2026."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Marriott Bonvoy Points Transfer (1:1 Ratio)",
      "value": "₹0.50–₹0.70 / pt",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Taj Experiences Stay Vouchers",
      "value": "₹0.50 / pt",
      "minPoints": "Milestone based",
      "ceiling": "Fixed vouchers",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Airline Miles Transfer (KrisFlyer, Qatar, Virgin)",
      "value": "₹0.40–₹0.60 / pt",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil"
    },
    {
      "route": "Statement Credit (Cashback Adjustment)",
      "value": "₹0.25 / pt",
      "minPoints": "2,500 pts",
      "ceiling": "None",
      "fee": "Nil"
    }
  ],
  "exclusions": [
    "Rent payments via credit card aggregators.",
    "Fuel transactions at HPCL, BPCL, and IOCL pumps (0% points, surcharge waiver applies).",
    "Government utility taxes, municipal charges, and stamp duty.",
    "Wallet load transactions and cash advances."
  ],
  "feesDetail": [
    {
      "item": "First Year Joining Fee",
      "value": "₹3,500 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹5,000 + GST (No formal spend waiver)"
    },
    {
      "item": "Forex Markup Fee",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges (Revolving Interest)",
      "value": "3.5% / month (42% / year)",
      "warn": true
    },
    {
      "item": "Supplementary / Add-on Cards",
      "value": "₹1,500 + GST per card"
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹6 Lakhs net annual income"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹6 Lakhs per annum"
    },
    {
      "criteria": "Credit History",
      "requirement": "Clean CIBIL score (750+) and residential address in serviceable pin-code"
    }
  ],
  "timelineEvents": [
    {
      "date": "10 Sep 2026",
      "event": "₹1.9 Lakh milestone bonus (7,500 MR points) completely eliminated",
      "impactDelta": "−7,500 MR points",
      "source": "American Express policy notice",
      "isNegative": true
    },
    {
      "date": "01 Oct 2026",
      "event": "Domestic airport lounge access gated on ₹1 Lakh spend in preceding quarter",
      "impactDelta": "Spend gate added",
      "source": "Amex customer update",
      "isNegative": true
    },
    {
      "date": "10 Sep 2026",
      "event": "₹7 Lakh milestone revised: 22,500 bonus points removed, ₹20k Taj voucher retained",
      "impactDelta": "−22,500 MR points",
      "source": "Amex customer circular",
      "isNegative": true
    },
    {
      "date": "30 Sep 2026",
      "event": "Reward Multiplier select-brand 3X/2X portal acceleration scheduled to discontinue; ShopWise e-voucher acceleration continues across 200+ brands",
      "impactDelta": "Scheduled −25,000 bonus pts/month on Apple/Nykaa/Ajio; scheduled −10,000 bonus pts/month on portal voucher routes (effective on the event date)",
      "source": "American Express Reward Multiplier / Rewards Program page (official)",
      "sourceUrl": "https://www.americanexpress.com/in/benefits/rewards-program.html",
      "isNegative": true
    }
  ],
  "pointsValuation": null
}