Exclusive Offer

American Express Platinum Business Card – Exclusive Offer

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Enjoy 200,000 bonus Membership Rewards, luxury travel perks and no pre-set spending limit.

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Until 15 January 2020, new cardholders who apply for the American Express Platinum Business card through Finder will be eligible for this exclusive offer. When you click the ‘Apply Now’ button, you will be taken directly to the application form. This is to ensure you receive the correct offer with the bigger bonus points deal that’s only available to Finder users. To review the Terms & Conditions before you apply, click here and they will open in a new window.


Bonus points


Reward points

Per $ spent (American Express)

$1,750 p.a.

Annual fee

55 days

Interest free period


Product NameAmerican Express Platinum Business Card - Exclusive Offer
Rewards ProgramMembership Rewards
Purchase rate (p.a.)N/A
Annual fee$1,750 p.a.
Interest Free Period55 days
Card TypeAmerican Express
Foreign Currency Conversion Fee (American Express)3% of transaction value
Complimentary Travel InsuranceYes
Minimum Income$75,000
Minimum Age18 years of age
Available to Temporary ResidentsNo


  • Receive 200,000 bonus points when you spend $10,000 within the first 3 months
  • No pre-set spending limit and up to 55 days cash flow
  • Luxury perks including unlimited access to 1,200 airport lounges and automatic hotel elite status


  • The annual fee of $1,750 is one of the highest on the market
  • American Express is not as widely accepted as Visa or Mastercard
Rewards ProgramMembership Rewards
Bonus Points200,000 bonus points
Rewards Points per $ spent (AMEX)2.25
Annual fee$1,750 p.a.
Minimum Monthly Repayment100% of the closing balance outstanding
Foreign Currency Conversion Fee (American Express)3% of transaction value
Additional Cardholder Fee$0
Number of Additional Cardholders99

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Sample Value Analysis

The American Express Platinum Business card may have a $1,750 annual price tag, but cardholders, especially those who travel, can get more than $5,000 worth of perks from the card's extra features. To illustrate how your business can get more bang for its buck, we've broken down the approximate value of the benefits from the bonus points and airport lounges to the hotel status in the table below. Some of the benefits are too subjective to how you use them and were not factored into the calculation. All assumptions for the valuation are listed in the table and you should consider which benefits you'll actually use when doing your own calculation.

Benefits & AssumptionsEstimated Value per Year
200,000 Membership Rewards (used for Select + Pay)$1,000
Comprehensive Travel Insurance (quoted by Chubb for a 45 year old)$887
Fine Hotels and Resorts (maximum value for 3 stays)$2,100
AFR Subscription$628
Priority Pass Membership (converted to AUD in Dec '19)$580
Virgin Australia Lounge Membership (with Silver Status)$300
Centurion Lounge Membership (2x entries per year converted to AUD in Dec '19)$145
American Express Lounge (2x entries per year)$110
Hilton Honors Gold status (usually achieved after 40 nights / year)Too widely variable
Radisson Rewards Gold Status (usually achieved after 30 nights / year)Too widely variable
Shangri-La Golden Circle Jade Membership (usually achieved after 20 nights / year)Too widely variable
Marriott Bonvoy Gold Elite Status (usually achieved after 25 nights / year)Too widely variable
International Airlines Program (20% off select First & Business fares)Too widely variable
Total Maximum Estimated Value$5,750
Annual Fee$1,750

Card benefits

  • 200,000 bonus points offer. Apply by 15 January 2020, spend $10,000 within the first 3 months of card activation and you'll receive 200,000 bonus Membership Reward points. To give you an idea of value, 200,000 Membership Rewards could be redeemed for 100,000 Qantas Points or $1,000 towards Select + Pay with points. Points will be awarded 8-10 weeks after you meet the spend requirement.
  • AccessLine. Your business can make fast and secure payments to merchants even if they don't accept credit or charge cards thanks to American Express AccessLine. This gives you more ways to reward your business expenses as you earn Membership Rewards points per $1 spent on payments. You can also access up to 51 cashflow days and negotiate early payment discounts when you use AccessLine to pay your vendors.

How to apply

If you think the American Express Platinum Business Card is right for your business, you can apply online in around 10 minutes. Get started by making sure you meet the following eligibility requirements and have all the documents and details ready for the application.

Eligibility criteria

  • Apply through Finder. This 200,000 bonus point offer is only available when you apply through Finder.
  • Minimum income. Your business must have an annual revenue of at least $75,000.

Apply Now 🔒

Rates & fees

  • Cash flow period. As this is a charge card, your spending won't attract interest charges. Instead, you'll have up to 55 cash flow days to pay off purchases. This also means you'll need to pay the total owed on each statement by the due date to avoid late fees.
  • Spending limit. The American Express Platinum Business Card has no pre-set spending limit. The use of your card, payment history and credit record will determine how much you can spend.

To review the Terms & Conditions before you apply, click here and they will open in a new window.

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