American Express Platinum Card

Receive 80,000 Membership Rewards Bonus Points, a yearly $450 Platinum Travel Credit and luxury perks with the American Express Platinum charge card.

Enjoy no pre-set spending limit, Membership Rewards points for your spending and a wide range of travel benefits with this premium charge card. You'll get a $450 Platinum Travel Credit each year, global airport lounge access, complimentary worldwide purchase and travel insurance and access to the platinum concierge service.

If you apply for the American Express Platinum Card online, are approved and spend $3,000 in the first 3 months from card approval, you can earn 80,000 Membership Rewards Bonus Points. Keep in mind that the minimum income requirement for the American Express Platinum is $100,000 and it charges an annual fee of $1,450. If you're looking for a card with plenty of perks and a lower price tag, you may want to consider the American Express Explorer card.

Product NameAmerican Express Platinum Card
Rewards ProgramMembership Rewards Ascent Premium
Purchase rate (p.a.) N/A
Annual fee$1,450 p.a.
Card TypeAmerican Express
Foreign Currency Conversion Fee (AMEX)
Charged when you make a transaction that is converted by American Express from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Complimentary Travel InsuranceYes
Minimum Income$100,000
Minimum Age18 years of age
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationNo
Annual fee$1,450 p.a.
Late Payment Fee$30
Foreign Currency Conversion Fee (AMEX)
Charged when you make a transaction that is converted by American Express from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Gambling Transactions AllowedNo
Additional Cardholder Fee$0
Number of Additional Cardholders4


  • Receive 80,000 Membership Rewards Bonus Points when you apply online, are approved and spend $3,000 in the first 3 months of card membership.
  • A $450 Platinum travel credit each year.
  • Complimentary membership to the Ascent Premium rewards program.
  • Airport lounge access with American Express Global Lounges.


  • The annual fee of $1,450 is relatively high.
Rewards ProgramMembership Rewards Ascent Premium
Bonus Points80,000 bonus points
Rewards Points per $ spent (AMEX)2.25
Rewards Points per $ (AMEX) CapUncapped

Benefits of the American Express Platinum Card

  • 80,000 Membership Rewards Bonus Points. If you apply online, are approved and spend $3,000 within 3 months from card approval, you'll collect 80,000 bonus points. Cardholders who currently hold or have held an American Express card in the preceding 18-month period are ineligible for this bonus points offer.
  • $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.
  • Reward points as you spend. Get access to the highest tier of American Express Membership Rewards and Ascent Premium. Earn 2.25 points per $1 spent on eligible purchases and 1 point per $1 spent with government bodies.
  • Reward point redemption. Membership Rewards points can be transferred to 10 airline partner programs, including Qantas and Velocity. If airline miles aren’t for you, points can also be redeemed purchases online at, for gift cards, hotel stays, experiences and more.
  • Airline lounge access. Enjoy the American Express Global Lounge Collection that gives you, one additional cardholder and a guest each access to over 1,200 VIP lounges worldwide. You receive complimentary access to luxurious Virgin Australia domestic lounges when you fly with Virgin Australia, as well as access to Priority Pass lounges, Delta Sky Club Lounges and American Express lounges for you and a guest when travelling on eligible flights and present your Amex Platinum card and travel documents.
  • Premium hotel perks. Receive a complimentary Accor Plus membership valued at $395 per year, Accor Plus lets you stay, dine and experience in over 800 hotels in 18 countries across the Asia Pacific Region. Plus, access to the Fine Hotels & Resorts program offering more than $700 worth of benefits at over 1,000 5-star properties when you book with Fine Hotels & Resorts.
  • Platinum International Airline Program. Depending on the airline and destination, you can save up to 20% on standard fares found outside of the Platinum Travel Service and receive competitive deals through the Platinum International Airline Program.
  • Complimentary insurances. Use this card to pay for your travel and receive complimentary insurance covers that offer protection to you, your spouse, dependent children up to the age of 24 and up to four additional Platinum cardholders. This includes transport accident cover, travel inconvenience cover, travel cancellation cover, medical emergency expenses cover, hijack cover, and resumption of journey cover. Purchases you make using this card are also covered by purchase protection cover, refund protection cover, and buyer’s advantage cover.
  • Platinum concierge service. You can turn to this complimentary global round-the-clock service for assistance in matters like locating restaurants, booking tickets, finding a suitable gift, or even making arrangements for a business meeting.
  • Smartphone Screen Insurance. When you pay for your smartphone or monthly contract with your platinum card, you will receive insurance for up to $500 for screen repairs in case of breakage.
  • Mobile contactless payments. Whether you have an Android, Apple or Samsung device, you can save time at the cash register and pay with the convenience of your smartphone with Google Pay, Apple Pay or Samsung Pay.

Features of the American Express Platinum Card

  • Annual fee. This card attracts 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.
  • Security. All of your online transactions will be protected by online fraud protection, letting you shop online with peace of mind. If you an item you've purchased with the card is lost or damaged, you can make use of purchase cover protection. With buyer's advantage, you can also look forward to extended warranty on eligible products and refund protection.
  • Additional cardholders. You can request up to 4 additional cards linked to your account each covered with a complimentary travel insurance.

How to apply for the American Express Platinum Card

Apply for the American Express Platinum Card online in around 10 minutes and get a response within 60 seconds. To ensure the application process goes smoothly and to increase your chances of approval, make sure you meet the eligibility requirements and have the necessary documents ready before you apply:

Eligibility criteria

  • You are over 18 years of age
  • You are a permanent Australian resident or citizen
  • Your earn at least $100,000 as pre-tax income
  • No history of bad debt or payment default

Required documents

  • Your complete name, date of birth, marital status, and number of dependents
  • Your Australian driver’s license number (if you have one)
  • Your residential address, email address, and phone number
  • Your employer’s name, address, and phone number
  • Details surrounding your income, assets, expenses, and liabilities

The American Express Platinum is one of the most prestigious cards from Amex, with a long list of complimentary extras that add value to the account and an annual fee to match. If you want to apply for this card, make sure you compare a range of options first so you can decide if it's right for your needs.

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67 Responses

  1. Default Gravatar
    PatMay 20, 2019

    I have a Westpac issued American Express Black Card. Will I still qualify for the bonus points when I revive my American Express Platinum Card?

    • Avatarfinder Customer Care
      MaiMay 21, 2019Staff

      Hi Pat,

      Thank you for reaching out.

      You may not be eligible for the bonus points as it is only available for first time American Express users. If you had an American Express Platinum Card before that you wish to reactivate plus a current American Express Black Card from Westpac, this will disqualify you to get the bonus points.

      Click here if you wish to check other credit cards that offer sign up bonus points.

      Hope this helps! 😊

      Kind Regards,

  2. Default Gravatar
    TonyJune 16, 2017

    Hi There!…Will Amex Platinum issue (In the near future!) the Card in “Metal” in Australia?

    • Default Gravatar
      LiezlJune 16, 2017

      Hi Tony,

      Thanks for your question.

      While the metal American Express Platinum card has been issued in the US, we haven’t heard of any plans to do so in Australia just yet.


  3. Default Gravatar
    BarbraMarch 22, 2017

    I am flying to Melbourne on Friday 24 March with Qantas and returning Sunday 26 March. Which lounges at Sydney Domestic and Melbourne Domestic Airports?

    • Avatarfinder Customer Care
      HaroldMarch 23, 2017Staff

      Hi Barbra,

      Thank you for your question.

      With American Express Platinum Card members are enrolled into the Priority Pass program, giving you (plus any additional cardholders and a complimentary guest) access to 1,000 VIP lounges worldwide. You can have an access to following:

      1. Virgin Australia Lounges – Access is complimentary for the Basic Platinum Card Member and one guest only. The Basic Platinum Card Member and guest must be travelling with Virgin Australia domestically. Access is to Virgin Australia-branded lounges in Australia only. Name on boarding pass must match the name on Platinum Card. The Platinum Card Member and guest must present his or her valid Card and same-day boarding pass (containing your Virgin Australia Velocity Frequent Flyer number and status) to Virgin Australia lounge agents. Guest must be travelling on same Virgin Australia flight and present boarding pass. All access is subject to space availability. This benefit is subject to change.

      2. Delta Sky Club – The Platinum Card Member must present his or her valid Card, government-issued I.D., and same-day corresponding airline ticket to club agents. Code-share and affiliated lounge agreements may not apply to provide complimentary club access in all cases. Age requirements and policies for admittance to airport club lounges vary by airline and location. Card Members must adhere to all house rules of participating clubs. Partners and locations subject to change without notice. Additional guest access subject to Delta Sky Club’s then-current access policy. This information is accurate as of 1 October 2015. For the most current Delta Sky Club access and pricing policy, please visit

      3. American Express Airport Lounges – American Express Platinum Card Members, including Platinum Business Card Members have unlimited complimentary access to The American Express Lounge. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member’s American Express Card. To access lounges, present your Platinum Card and government issued ID. In Australia: Platinum Card Member plus up to 2 complimentary guests and children may enter the lounge at no cost. In Brazil locations: Platinum Card Member and up to two travel companions or Card Member’s immediate family may enter the Brazilian airport lounges at no cost. For any additional guests, the Card Member will be charged R$15.00 per person (exception: no additional guests allowed in Congonhas lounges). In India locations: Platinum Card Member and up to one complimentary guest allowed and any additional guests will be charged INR750 per person. In Mexico locations: Platinum Card Member and up to 4 guests may enter the lounge at no cost. In Argentina: Platinum Card Member may bring up to 1 guest at no cost. In US locations: Platinum Card Member plus up to 2 complimentary guests or spouse and children may enter the lounge at no cost. Participating airlines and locations subject to change. Entry into The American Express Sydney Airport Lounge is governed by the full Terms and Conditions available at

      I hope this information has helped.


  4. Default Gravatar
    MichaelDecember 29, 2016

    As an American Express Platinum card holder, do I need to have booked my trip on the card to claim under my travel insurance benefits?

    • Avatarfinder Customer Care
      JasonDecember 29, 2016Staff

      Hi Michael,

      Thank you for your enquiry.

      Yes, you must book the full fare for a return trip on your American Express credit card or by using reward points earned through the card (e.g. American Express Membership Rewards or Qantas Frequent Flyer points). On some cards, such as the American Express Platinum charge card, you can also claim insurance if you have booked a trip using other rewards points, as long as you pay for taxes and other additional fees using your American Express card.

      Please check out this link for the other eligibility requirements and for more information about American Express complimentary travel insurance.

      I hope this helps.

      Kind regards,

  5. Default Gravatar
    adamApril 14, 2016

    With regards to supplementary card holders on Platinum Charge AMEX, can two separate direct debits be set up or is the primary card holder only allowed the one direct debit?

    • Avatarfinder Customer Care
      MayMay 11, 2016Staff

      Hi Adam,

      Thanks for your question.

      I apologise for the delayed reply. Yes, you can set up a separate direct debit with the AMEX Platinum Supplementary Charge card.


  6. Default Gravatar
    KimberleyJanuary 30, 2016

    Does the platinum card get myself and a guest traveling on Virgin into the virgin lounge in Australia?

    • Avatarfinder Customer Care
      JonathanFebruary 1, 2016Staff

      Hi Kimberley, thanks for your inquiry!

      Unfortunately the Priority Pass membership with American Express does not include the Virgin Lounge in Australia. The only included lounge in Australia is the Cairns International Reef Lounge. You can view all available lounges with the Priority Pass on this page.



    • Default Gravatar
      NeilMay 4, 2016


      I am a UK Platinum and Cash Rewards American Express cardholder and hold an Australian American Express through CBA. Can you tell me how I can best access the Priority Pass scheme please so that I can access the Airport Lounge at Sydney airport as well as others around the globe?

      Thanks in advance.

    • Avatarfinder Customer Care
      MayMay 5, 2016Staff

      Hi Neil,

      Thanks for your inquiry.

      Unfortunately, the CBA AMEX card does not come with complimentary access to the airport lounge. But the credit cards that are listed on this page do. In the meantime, you may want to join the Priority Pass membership program to have a wide range of access in over 900 lounges in 400 cities across 120 countries worldwide.

      I hope this has helped.


  7. Avatarfinder Customer Care
    DebbieJanuary 4, 2016Staff

    Hi Joseph,

    Thank you for your inquiry.
    Please refer to the PDF I have sent to your email for the travel insurance policy included on American Express Platinum Card.

    To understand more credit card travel insurance, kindly go through this page.

    I hope this helps.


  8. Default Gravatar
    JIDecember 14, 2015

    I have concerns after reading reviews that the complimentary travel insurance does not cover supplementary card members. Is my wife’s card a supplementary one or is she considered a primary card member?

    • Avatarfinder Customer Care
      AllyDecember 15, 2015Staff

      Hi Jl,

      Thanks for your inquiry.

      Kindly note that you have come through to, an online comparison service, which does not represent any credit card issuer such as AMEX.

      Anyway, that depends on how your wife got the card. If she applied for a primary account, she’s supposed to receive billings for the annual fee, and monthly statements are supposed to be issued which detail the combined points for all linked program accounts, while a supplementary card just authorizes her to use it (being a card issued on a primary card member’s account that is liable for all supplementary credit card spending).

      Should you wish to clarify on the status of your wife’s account further, it would be best to speak with an AMEX representative for direct assistance. That said, I have emailed you their contact details for your reference.

      I hope this has helped.


  9. Default Gravatar
    DeeSeptember 23, 2015

    Can I have additional cards with one account?

    If yes, how much does it cost?

    • Avatarfinder Customer Care
      SallySeptember 23, 2015Staff

      Hi Dee,

      Thank you for your comment.

      Cardholders can get up to 4 additional cards without paying any additional annual fee.

      I hope this has helped.



  10. Default Gravatar
    AndySeptember 5, 2015

    Hi there:

    Thank you for making this website. The information is quite useful.

    Just want to know whether the AMEX Platinum card concierge service is worth it? I have heard many rumours about how the quality of AMEX’s concierge service diminished over the past decades.

    These rumours include:
    – no concierge answers the phone, or has to wait for a long time before they pick up the phone
    – not being able to fulfil regular requests such as booking hotels, etc.

    Appreciate your time.


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