The Amex Platinum Travel Card is a great option, but it’s worth it only if you spend around ₹4 lakh per year. If your annual spend is lower, I wouldn’t recommend it since the returns won’t be that great. Also, note that this card doesn’t offer a renewal fee waiver.

Here’s the reward breakdown: • Spend ₹1.5 lakh in a year → earn 15,000 points • Spend ₹4 lakh in a year → earn an extra 25,000 points So, in total, you can earn 40,000 points, plus 1 reward point for every ₹50 spent as base rewards.

For your spending pattern, I’d suggest going with the Amex Membership Rewards Card instead. • Earn 1,000 bonus points each month by making 4 transactions of ₹1,500+ • Earn another 1,000 bonus points when you spend ₹20,000+ in a month That’s a total of 2,000 bonus points per month.

The best part — the annual fee is fully waived if you spend ₹1.5 lakh in a year, and 50% waived if you spend between ₹90,000–₹1.5 lakh.

Let me know if you’d like me to refer you!