American Express Platinum Card

Receive up to 200,000 bonus Membership Rewards Points, a yearly $450 Platinum Travel Credit and luxury perks with the Amex Platinum charge card.

Enjoy no pre-set spending limit, Membership Rewards Points and world-class service with this premium charge card. You'll also get airport lounge access, Hotel Elite Status and complimentary insurance.

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Bonus points


Reward points

Per $ spent

$1,450 p.a.

Annual fee

44 days

Interest free period

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Product NameAmerican Express Platinum Card
Rewards programMembership Rewards Ascent Premium
Purchase rateN/A
Annual fee$1,450
Interest-free periodUp to 44 days on purchases
Card typeAmerican Express
Foreign currency conversion fee3%
Minimum income$100,000
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • 150,000 bonus Membership Rewards Points when you spend $3,000 in the first 3 months. Plus, 50,000 points upon second year renewal
  • $450 Platinum Travel Credit each year
  • Complimentary membership to the Ascent Premium rewards program
  • Airport lounge access with American Express Global Lounges


  • A high annual fee of $1,450
  • Charges a 3% foreign currency conversion fee
Rewards programMembership Rewards Ascent Premium
Bonus points200,000
Rewards points per $ spent2.25
Rewards points capUncapped
Annual fee$1,450
Late payment fee$30
Foreign currency conversion fee3%
Additional cardholder fee$0
Number of additional cardholders4

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The American Express Platinum Card is suited to big spenders who pay their account in full each month. It’s linked with the highest tier American Express Membership Rewards and Ascent Premium program, so you can earn more points per $1 than you would with other American Express Membership Rewards cards. The bonus points offer sweetens the deal, giving you the chance to collect up to 200,000 Membership Rewards Points.

With the ability to transfer points to 10 partnered airline programs, it’s also a good option for points chasers who belong to multiple schemes or a frequent flyer program that isn’t directly linked with a credit card in Australia. While perks such as complimentary travel insurance, a concierge service and airline lounge passes are typical for a platinum product, the $450 travel credit helps set this card apart – and can be used on domestic or international trips.

How to apply

If you've compared your options and decided to go with the Amex Platinum card, you can complete the application online in 10 minutes and receive a confirmation within 60 seconds. Before you start the application, make sure you meet the eligibility requirements and have the necessary documents and information ready to go.

Eligibility criteria

  • Annual income. You must earn at least $100,000 as pre-tax income per year.
  • Age. You are over 18 years of age.

Card benefits

  • Up to 200,000 bonus points. When you apply online, are approved and spend an eligible $3,000 within the first 3 months of card membership, you will collect 150,000 bonus Membership Rewards Points. When you keep your card for over 12 months (and pay the second year's annual fee), you'll get an additional 50,000 bonus points. This offer is extended and is only available to new card members. Cardholders who currently hold or have held an American Express card in the preceding 18-month period are ineligible for this bonus points offer. Your bonus points will be awarded to your account within 8 to 10 weeks of meeting the spend criteria.
  • $450 Platinum Travel Credit. Each year, you'll receive a $450 Platinum Travel Credit which you can use for eligible flights, unique experiences, car hire or hotel bookings made through American Express Travel online or via the Platinum Travel Service. You can redeem this travel credit for anyone and no booking fees apply.

Rates & fees

  • Annual fee. This card charges an ongoing annual fee of $1,450.
  • No pre-set spending. As a charge card, the American Express Platinum Card has no pre-set spending limit and no interest rate.
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