Best Credit Card for Flight Booking

All Benefits

  • Earn up to 40,000 bonus MR points per year through 3 spend milestones (₹1.9L / ₹4L / ₹7L) — plus a ₹10,000 Taj Stay voucher at the ₹7 lakh tier, all redeemable on Platinum Travel Collection
  • Get 8 complimentary domestic lounge visits per year with complimentary Priority Pass membership (USD 99 annual fee waived)
  • MR points never expire as long as the card is active — giving full flexibility to accumulate and redeem without any time pressure.

Fees

Joining Fee No welcome benefit is provided to offset the joining fee.
₹5,900
₹5,000 + GST
Annual Fee The annual fee of ₹5000 is non-waivable and will be charged every year.
₹5,900
₹5,000 + GST

Eligibility

Age
21-60 years
Salary
₹50K / Month
Credit Score
720+

Bank Fee Structure

Forex Markup 3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
Finance Charges (APR) 3.50% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases.
3.50%
ATM Withdrawal 3.50% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹[Y].
3.50%
Reward Redemption A flat fee of ₹99 plus applicable GST is charged per cash withdrawal using the credit card.
₹99
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals.
1.80%
Rent Payment 2% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
2%
Cheque Payment A fee of ₹250 is charged for payments made by cheque.
₹250
Cash Payment A fee of ₹100 is charged for payments made by depositing cash at a bank branch or ATM.
₹100

Late Payment Charges

Amount dueFee
₹0 – ₹500₹0
₹501 – ₹5,000₹500
₹5,001 – ₹10,000₹750
₹10,001 – ₹25,000₹1,000
₹25,001 and above₹1,000

Late payment charges apply if the Minimum Amount Due (MAD) is not paid by the due date. Charges are based on the total outstanding amount as per the slab structure above.

No Rewards On

FuelInsuranceUtilitiesCash advancesBalance transfersFees and chargesEMI Transactions

Excluded Spends

FuelInsuranceUtilityCash transactionsEMI Transactions

Terms & Conditions

  • American Express Platinum Travel Credit Card

Full charges and terms: Bank MITC / Terms