American Express Platinum Card

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Receive 80,000 Membership Rewards Bonus 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.


Bonus points


Reward points

Per $ spent (American Express)

$1,450 p.a.

Annual fee

44 days

Interest free period


Product NameAmerican Express Platinum Card
Rewards ProgramMembership Rewards Ascent Premium
Purchase rate (p.a.)N/A
Annual fee$1,450 p.a.
Interest Free Period44 days
Card TypeAmerican Express
Foreign Currency Conversion Fee (American Express)3% of transaction value
Complimentary Travel InsuranceYes
Minimum Income$100,000
Minimum Age18 years of age
Available to Temporary ResidentsYes - Conditions apply
Joint ApplicationNo


  • 80,000 when you spend $3,000 in the first 3 months of card membership
  • $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% of transaction value foreign currency conversion fee
Rewards ProgramMembership Rewards Ascent Premium
Bonus Points80,000 bonus points
Rewards Points per $ spent (AMEX)2.25
Rewards Points per $ Cap (American Express)Uncapped
Annual fee$1,450 p.a.
Late Payment Fee$30
Foreign Currency Conversion Fee (American Express)3% of transaction value
Additional Cardholder Fee$0
Number of Additional Cardholders4

Expert review

Sally McMullen

Review by

Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

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.

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.

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

  • 80,000 Membership Rewards Bonus Points. Collect 80,000 bonus points when you spend $3,000 within the first 3 months from card approval. 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.

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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  1. Default Gravatar
    August 2, 2019

    For pints value, which is the better card:
    American Express Platinum or American Express Westpac Black Altitude?

    • Avatarfinder Customer Care
      August 3, 2019

      Hi MTB,

      Thanks for your question.

      The American Express Platinum Card offers up to 150,000 Membership Rewards Bonus Points if you apply online by 28 August 2019 and are approved. You can also earn 2.25 Membership Rewards points per $1 spent on eligible purchases and 1 point per $1 spent with government bodies.

      As for the American Express Westpac Black Altitude, you can earn up to a total of 75,000 bonus Altitude points when you apply for this card bundle by 15 October 2019. Also, you’ll earn 3 Altitude Points per $1 spent on purchases in a foreign currency, 2 Altitude Points per $1 spent in Australia as well as 1 Altitude Point per $1 spent on government transactions (such as ATO bills).

      While we review a multitude of products, we aren’t in the position to recommend one product for you. It would be best to choose a card that fits to your needs and lifestyle.

      As a friendly reminder, check the eligibility requirements of the card before proceeding with your application. Also, read about its features and benefits and see how it fits your financial needs. Additionally, it’s helpful to review the PDS and Terms & Conditions of the card before fully committing to the card. You may also reach out to the bank if you have any clarifications.

      Hope this helps!


  2. Default Gravatar
    May 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
      May 21, 2019

      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,

  3. Default Gravatar
    June 16, 2017

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

    • Default Gravatar
      June 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.


  4. Default Gravatar
    March 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
      March 23, 2017

      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.


  5. Default Gravatar
    December 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
      December 29, 2016

      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,

  6. Default Gravatar
    April 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
      May 11, 2016

      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.


  7. Default Gravatar
    January 30, 2016

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

    • Avatarfinder Customer Care
      February 1, 2016

      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
      May 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
      May 5, 2016

      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.


  8. Avatarfinder Customer Care
    January 4, 2016

    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.


  9. Default Gravatar
    December 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
      December 15, 2015

      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.


  10. Default Gravatar
    September 23, 2015

    Can I have additional cards with one account?

    If yes, how much does it cost?

    • Avatarfinder Customer Care
      September 23, 2015

      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.



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