American Express Platinum Edge Credit Card

Receive a yearly $200 Travel Credit, complimentary travel insurance and uncapped Membership Rewards points.

The Amex Platinum Edge gives you a way to get more value from your spending with uncapped points per $1 spent and a yearly $200 Travel Credit that you can redeem for flights, accommodation and more. Plus other premium perks including complimentary travel and purchase insurances.

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Product NameAmerican Express Platinum Edge Credit Card
Rewards programMembership Rewards
Purchase rate20.74% p.a.
Annual fee$195
Interest-free periodUp to 55 days on purchases
Min credit limit$3,000
Max credit limit$50,000
Card typeAmerican Express
Foreign currency conversion fee3%
Minimum income$50,000
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • $200 Travel Credit per year
  • Up to 3 points per $1 spent, uncapped
  • Complimentary insurances on overseas travel and purchases


  • Charges a foreign transaction fee of 3%
  • The standard purchase rate of 20.74% p.a. is relatively high
Rewards programMembership Rewards
Bonus pointsN/A
Rewards points per $ spent1
Rewards points capUncapped
Annual fee$195
Minimum monthly repayment2.5% of the closing balance or $30, whichever is greater
Late payment fee$30
Foreign currency conversion fee3%
Additional cardholder fee$0
Number of additional cardholders4

How to apply

You can apply for the American Express Platinum Edge Credit card online in 10 minutes and should receive a response within 60 seconds. Before you start the application, make sure you've met the eligibility requirements and organised the necessary documents.

Eligibility criteria

  • Income. You must have a personal gross income of $50,000 or more per year.
  • Residency. You must be an Australian citizen, permanent resident or holder of a current long term visa (12 months or more, not including student visas) to be eligible to apply.

Card benefits

  • $200 Travel Credit. The American Express Platinum Edge Credit Card offers a $200 Travel Credit every year. You can redeem it against any single eligible travel booking of $200 or more through American Express Travel, including domestic and international flights, accommodation, car hire and activities. The travel credit can be used for 365 days from the date of issue. But it cannot be carried forward and can only be used once you've paid the annual fee and minimum payment by the due date.
  • Points per $1 spent. You will earn 3 Membership Rewards points per $1 spent on purchases at major supermarkets (including Coles and Woolworths) and petrol stations, 2 points per $1 spent in foreign currency overseas and online, and 1 point per $1 spent on most other purchases including government, utilities and insurance spending.

Rates & fees

  • Annual fee. The American Express Platinum Edge Credit Card has an annual fee of $195.
  • Interest rate. This card has an ongoing purchase rate of 20.74% p.a.

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The American Express Platinum Edge credit card is linked with the Membership Rewards Ascent program and is one of the few cards that collects points on government transactions (including ATO bills). It has a $195 annual fee, which you could offset by using the yearly $200 Amex Travel credit for domestic or international trips (when overseas travel opens up again).

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    Default Gravatar
    March 19, 2018

    Can I use my American Express Platinum Edge Credit Card to access the Amex Lounges at Sydney an Melbourne Airports?

      Avatarfinder Customer Care
      March 19, 2018

      Hi Barbra,

      Thank you for getting in touch with Finder.

      The American Express Lounge is open to select American Express cardholders, including some bank-issued Amex cards. On this page, it only indicates that your card has the complimentary travel insurance but not the airport lounge pass. You may want to check on some information about the American Express Lounge in Sydney.

      I hope this helps.

      Have a great day!


    Default Gravatar
    March 16, 2018

    What is the expiry date of this offer?

      Avatarfinder Customer Care
      March 16, 2018

      Hi Azra,

      Thanks for your question.

      The American Express Platinum Edge Credit Card offer has no stated end date but is subject to change any time.


    Default Gravatar
    March 14, 2018

    I came to this page from the Exclusive Offers page that says ‘50,000 Rewards points Plus a $200 travel credit each year’, however, I can’t find any indication of the 50,000 Rewards points on this page. I don’t see it in the Amex website as well after clicking through ‘Go to American Express’ website’. Is the offer still valid?


      Avatarfinder Customer Care
      March 14, 2018

      Hi Krishnan,
      Thanks for getting in touch with finder. I can understand that you have been reading about this exclusive offer and you want to find out more on the “50,000 Reward points and $200 travel credit each year” from American Express. Upon checking, YES this offer is still valid and new American Express Platinum Edge Credit Card cardholders are entitled to $200 Travel Credit every year, complimentary travel insurance and uncapped Membership Rewards points for the spending. You may also refer to this link for your further enquiry.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


    Default Gravatar
    November 8, 2016

    What is the minimum spend for complimentary Virgin Australia domestic return flight – Platinum Edge Credit Card

      Avatarfinder Customer Care
      November 8, 2016

      Hi Norm,

      Thank you for your inquiry.

      To be eligible for the travel insurance, 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 like AMEX Membership Rewards or Qantas Frequent Flyer points.

      On some other cards like the AMEX 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 AMEX card.

      Please feel free to read our review about AMEX complimentary travel insurance to further check the other eligibility requirements of this product.

      Hope this helps.


    Default Gravatar
    August 28, 2016

    does the travel insurance on this card offer much in the way of pre-existing medical condition cover please ?

      Avatarfinder Customer Care
      August 29, 2016

      Hi Allan,

      Thank you for your inquiry. Just to confirm though that you’ve come through to we are an Australian financial comparison website and general information service, not actually AMEX nor ACE Insurance.

      Under the AMEX Platinum Edge Card complimentary travel insurance T&Cs, the international travel insurance cover includes “Medical Emergency Expenses Cover” for repatriation/evacuation, cost of overseas treatment, emergency dental treatment and reasonable extra accommodation costs in the event of a Medical Emergency. However, this excludes “Pre-Existing Medical Conditions.”

      I’ve sent you an email with the link to the AMEX Platinum Edge Card complimentary travel insurance T&Cs for your reference.

      Hope this helps.


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