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American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card

American Express Credit Cards

American Express Platinum Edge Credit Card

Updated 30 September 2024

A travellers card with $200 travel credit to use every year towards flights, and a waived annual fee the first year, saving $195. You can save even more with free domestic and international travel insurance, and earn up to 3 points per dollar that can be transferred to a range of partnering airlines.

You'll also get a range of protective insurances, including smartphone screen cover and travel inconvenience cover.

Terms and conditions apply

Points Earn Rate (per $1 spent)

1 point

Amex

Rewards Program

Amex Membership Rewards

Bonus Points

N/A

Pros and cons

  • Bonus: Pay no annual fee the first year, saving $195
  • Travel extras: Use $200 Travel Credit very year towards any single eligible online flight, hotels, car hire bookings, and more through American Express Travel.
  • Uncapped points: You can earn up to 3 points per $1 at major supermarkets and petrol stations, 2 points per $1 on overseas purchases, and 1 point on all other eligible purchases including ATO payments and government charges.
  • Insurance cover: Complimentary international and domestic travel insurance, smartphone screen cover and travel inconvenience insurance and more.
  • Extras: Add up to 4 extra cardholders at no cost, and pay off your card flexibly with Plan It Instalments.

  • $0 annual fee is only available if you haven't held an Amex card in the preceding 18 months
  • Has a high interest rate on purchases, so pay the card off to avoid charges

Creditcard.com.au review

Editor Review

American Express Platinum Edge Credit Card

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. about this card.

Allowing cardholders to earn more points on spending at supermarkets and petrol stations, the American Express Platinum Edge Credit Card is an awesome everyday earner. Cardholders have a huge range of redemption options through the Membership Rewards Ascent program and receive a $200 Travel Credit to use each year on eligible flights, accommodation, and car hire booked online through American Express Travel. Other handy features include complimentary insurance.

This card does not only provide platinum benefits over the long term, but it also allows new cardholders to enjoy all the features and benefits fit for shopping, dining, and travel without paying an annual fee in the first year.

Simply apply online and get approved for an American Express Platinum Edge credit card to take advantage of the 0% purchase introductory offer.

  • $0 Annual Card Fee in the first year, saving you $195
  • Receive $200 Travel Credit each year
  • Earn 3 Membership Rewards points per dollar spent at major supermarkets and petrol stations
  • Earn 2 Membership Rewards points per dollar on purchases in a foreign currency when overseas and online
  • Earn 1 Membership Rewards point per dollar spent on all other purchases including utilities, insurance, telecommunications, and government purchases.
  • No points cap or points tiering
  • Extensive redemption options on the Membership Rewards Ascent program
  • Complimentary insurance covering travel and retail purchases
  • Add up to 4 Cards at no extra cost
  • Plan It™ Instalments offers you a flexible way to pay off your Credit Card balance in equal monthly installments, with 0% p.a. interest and a fixed monthly fee
  • Purchase Rate: 23.99% p.a. (variable)
  • Interest Free Period: Up to 55 days

This Card: The Lowdown

An enticing option for anyone looking to earn more on their everyday spending, the American Express Platinum Edge Credit Card boosts points-earning power on purchases made at supermarkets and petrol stations, while still offering an appealing base earn rate for spending everywhere else.

Earning points on one of Australia’s most flexible rewards programs – the Membership Rewards Ascent program – this card could be the perfect option for cardholders looking to transfer points to a range of 11 airline partners, including Singapore Airlines KrisFlyer, and Cathay Pacific Asia Miles.

With this card's awesome features such as $200 Travel Credit to use each year, $0 annual fee in the first year as well as its everyday value in rewards, the American Express Platinum Edge Credit Card is a card that you’ll be happy with to keep in your wallet year after year.

Digging Deeper

With the basics covered, it’s time to dig a little deeper into what’s on offer with the American Express Platinum Edge Credit Card, so you can decide whether this card is right for you.

This Card: As a Rewards Card

While it may not count Qantas Frequent Flyer within its many airline partner programs, the American Express Platinum Edge Credit Card does allow cardholders to earn points on the American Express Membership Rewards program, which happens to be one of the most versatile and flexible points programs in Australia.

Everyday Earning

In terms of everyday earning, this is one of the best points-earning cards out there for regular credit card users. Not only does it provide the potential to earn triple points on that ever-so-essential supermarket shopping, but it also has no points cap or points shaping. That means you will continue to earn the same rate, no matter how much you spend on your card.

  • Earn 3 Membership Rewards points per dollar spent at major supermarkets and petrol stations
  • Earn 2 Membership Rewards points per dollar on overseas spend
  • Earn 1 Membership Rewards point per dollar spent on all other purchases including utilities, insurance, telecommunications, and government purchases.

Major supermarkets include Bi-Lo, Coles, Harris Farm Markets, IGA and Woolworths. Major petrol stations include Ampol, BP, Caltex Woolworths, Metro, Shell, Woolworths Petrol and 7 Eleven.

One other thing that’s worth mentioning here is the fact that this card allows up to four additional cardholders for no extra fee. Bearing in mind that there is no points cap in place, you could have five cardholders spending on one account, all racking up points on their everyday spending.

Point Redemption Options

When it comes time to redeem those points, you have plenty of options to choose from. You could choose to redeem your points for gift cards or credit your account to cover certain transactions. You could use your points to pay for purchases at Myer.

Alternatively, you could use your points for travel. Earning points on the Ascent program allows cardholders to redeem points for flights with any of American Express’s 11 leading airline partner programs, mostly at a ratio of 3:1. These partners include Virgin Australia Velocity Frequent Flyer, Emirates Skywards, Etihad Guest, Virgin Atlantic Flying Club, Singapore Airlines KrisFlyer, Air New Zealand Airpoints, THAI Royal Orchid Plus, Malaysia Airlines Enrich, Cathay Pacific Asia Miles, Hawaiian Miles and Qatar Avios Privilege Club.

Cardholders can also opt to use their points when booking travel with American Express Travel Online, with no restrictions, no block-out dates, and no booking fees (t’s & c’s apply). Booking with Webjet or Helloworld Travel provides alternative ways to use points to book travel, or cardholders may choose to redeem their points with the card’s hotel partners, which includes Hilton Honors.

This Card: As a Travel Rewards Card

Whether traveling on business or for pleasure, cardholders can take advantage of several travel-related benefits with the American Express Platinum Edge Credit Card in their wallet.

Travel Credit

While American Express used to offer cardholders a free flight each year with the Platinum Edge, now cardholders have the opportunity to choose their travel with a $200 Travel Credit. Provided each year after you pay your annual fee, this $200 Travel Credit can be used towards eligible flights, hotels, car hire, and more booked online at American Express Travel Online.

To be eligible for the Travel Credit, cardholders must have paid their annual fee and minimum payment. Each Travel Credit is only valid for one year and cannot be carried forward. It can only be used in a single travel booking and is not refundable if travel is cancelled. You'll need to spend $200 minimum to redeem your Travel Credit using your Platinum Edge credit card using American Express Travel Online. The Travel Credit will be credited to your account in 3 business days (but allow up to 30).

Insurance Cover

A standard feature on most platinum cards these days, the American Express Platinum Edge Credit Card offers cardholders a range of travel-related insurance covers. To be eligible for cover, you must use your card to pay for your trip in full. Providing cover for you, your spouse, and children (25 years of age or younger) travelling with you, these covers include:

  • Trip Cancellation and Amendment Cover
  • Personal Liability Cover
  • Personal Accident Cover
  • Personal Baggage, Valuables, Money and Travel Documents Cover
  • Trip Cancellation and Amendment Cover
  • Medical Emergency Expenses Cover
  • Travel Inconvenience Cover (which may cover you for flight delays, missed connections or luggage delays)

This Card: Extras on Offer

Quite often, American Express cards are sold on their extras. Offering cardholders a nice selection of useful extras, the American Express Platinum Edge Credit Card goes big on service, support, and functional features.

Amex Offers

Allowing cardholders to save money when using their card at a variety of retailers, Amex Offers provides immediate statement credits when they hit a certain target amount with specific retailers. With offers saved to your card account online, it’s a good idea to keep an eye on these in order to take advantage of offers at your favourite retailers.

Service and Support

Well-known for its excellent customer service, American Express supports cardholders by offering cover on their retail purchases, backed by 24/7 Global Card Support.

  • Online Fraud Protection Guarantee means you will not be held liable for any unauthorised charges.
  • Buyer’s Advantage Cover allows you to extend the manufacturer’s warranty by up to 12 months on items purchased on the card.
  • Card Purchase Cover offers to replace an item purchased on the card, should it be broken or stolen within 90 days.
  • Card Refund Cover will reimburse you if you have a change of heart and are refused a refund on an unused purchased item within 90 days.
  • Global Card Support provides account assistance to cardholders no matter where they are in the world, any time of the day or night.
  • Compatible with Apple Pay, Samsung Pay, and Google Pay, the card can be a great option for tech lovers.

Interest Free Period

With its relatively high purchase rate, it’s safe to say the American Express Platinum Edge Credit Card is not a low-rate credit card. But, it does provide ways in which cardholders can save on interest. Getting to know how the card’s interest-free period works could allow you up to 55 days interest-free on purchases, helping you to save on interest month-to-month.

However, it is worth noting that the number of interest-free days you benefit from will depend on the date of the purchase, and how far through the statement period it is made. To be eligible, you must also pay the closing balance each month by the due date. There is no interest-free period on balance transfers or balances carried forward.

This Card: The Essentials

Time to look at what’s required of you if you want to apply for the American Express Platinum Edge Credit Card. In terms of eligibility, you must be at least 18 years old, and no history of bad debt or payment default. You must also be an Australian citizen or permanent resident, or hold a long-term visa. Long term means at least 12 months and does not include student visas.

As we mentioned, this card has a relatively high purchase rate, so if you want the card – and all its features and rewards – to offer value, it’s best to clear the balance by the due date each month. While the standard annual fee is substantial, you do receive a $200 Travel Credit each year, which more than covers the $195 annual fee. As long as you want to spend that $200 on travel, you’re then benefitting from the rest of the card’s features and rewards ‘for free’.

Decision Time

Providing cardholders with an outstanding earn rate on their everyday spending at supermarkets and petrol stations, the American Express Platinum Edge Credit Card is an excellent choice for long term rewards earning. With $200 Travel Credit on offer each year, this helps to balance out the card’s standard annual fee, creating additional value on the rest of the features and extras on offer. Plus, new cardholders can enjoy $0 annual card fee in the first year if they apply and get approved.

User reviews

American Express Platinum Edge Credit Card ( based on 4 Creditcard.com.au user reviews )

64% rating based on 4 reviews

Rates
Fees
Rewards
Customer Service
Value
90%

GRLpGpAG

15 May 2023

1

Does not recommend this card

Rates and fees

Interest rates



Purchase rate 23.99% p.a.

Cash advance rate N/A

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limit $3,000

Maximum credit limit N/A

Fees & repayments

Annual fee $195 p.a.

Additional cardholder fee Up to 4 at no extra cost

Foreign transaction fee 3%

Minimum repayment $30 or 2.5%, whichever is greater (personal & business); N/A (charge cards)

Annual fee the first year $0

Cash advance fee N/A

Late payment fee $30

Rewards and points

Rewards program

Rewards Program Amex Membership Rewards Amex Membership Rewards

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

Earning points with this card

Amex Rewards points 1 point per $1 spent

Points cap per month N/A

Overseas earn rate 2 points per $1 spent

Additional features

Complimentary insurance

International Travel Insurance Yes

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance Yes

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No

Extras

Travel insurance underwritten by Chubb Insurance Australia Limited

Eligible with Apple Pay, Samsung Pay and Google Pay

$200 Travel Credit every year

Overview

American Express Platinum Edge Credit Card

If you are looking for a seriously good rewards credit card, it would be difficult to go past the American Express Platinum Edge card. Card members will receive a $200 Travel Credit and enjoy other premium benefits for $0 annual fee in the first year.

This card allows you to earn 3 points per dollar spent at major supermarkets and petrol stations. Use the card to earn points on everyday purchases, such as food, petrol, and utilities, as well as on travel. It’s easy to redeem points with the card’s 11 airline partners, on flights, or on over 1500 other travel, lifestyle, and entertainment rewards. Platinum perks include access to a 24-hour Global Card Support, where you can check on your account, report your card lost or stolen, or redeem points. Card members can also enjoy a wide range of complimentary insurances, an online fraud protection guarantee, and supplementary cards to allow you and your family to earn points even faster.

Card Members can register their Frequent Flyer or Frequent Guest account numbers with American Express and transfer to the following 11 airlines: Emirates Skywards, Etihad Guest, Virgin Atlantic Flying Club, Singapore Airlines KrisFlyer, Air New Zealand Airpoints™, THAI Royal Orchid Plus, Malaysia Airlines Enrich, Cathay Pacific Asia Miles™, Hawaiian Miles and Qatar Avios Privilege Club.

Key features

  • $0 Annual Card Fee in the first year, saving you $195
  • Enjoy $200 Travel Credit every year that can be used to pay towards any single eligible online flight, hotels, car hire bookings, and more made and paid through American Express Travel
  • Earn 3 Membership Rewards points per dollar spent at major supermarkets and petrol stations
  • Earn 2 Membership Rewards points per dollar on purchases in a foreign currency when overseas and online
  • Earn 1 Membership Rewards point per dollar spent on all other purchases including utilities, insurance, telecommunications and government purchases
  • Overseas Medical Emergency Expenses Cover, Trip Cancellation and Amendment Cover, Travel Inconvenience Cover, Global Card Support and Online Fraud Protection Guarantee
  • Redeem your points for flights with 11 leading airline partner programs: Emirates Skywards, Etihad Guest, Virgin Atlantic Flying Club, Singapore Airlines KrisFlyer, Air New Zealand Airpoints™, THAI Royal Orchid Plus, Malaysia Airlines Enrich, Cathay Pacific Asia Miles™, Hawaiian Miles and Qatar Avios Privilege Club
  • Complimentary domestic and international Travel Insurance (including limited cover related to COVID-19, T&Cs apply)
  • Plan It™ Instalments offers you a flexible way to pay off your Credit Card balance in equal monthly instalments, with 0% p.a. interest and a fixed monthly fee

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian citizen or permanent resident or hold a long term visa. Long term means at least 12 months and does not include student visas.

  • You have your personal details ready to complete the online application

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask our credit card expert a question.

13 questions (showing the latest 10 Q&As)

Alex

Alex

21 May 2024
I’m travelling on and off in 2025, how long is the travel insurance? Is there a certain amount of days it’s valid or will it cover me all year for all my trips?
    Pauline - CreditCard.com.au

    Pauline

    23 May 2024
    Hi Alex, the Platinum insurance terms say you're covered for 180 consecutive days of travel. You're covered for each trip as long as you meet all the eligibility criteria, which includes spending a certain amount of your travel costs on the card, meeting age requirements and having a return ticket. You can see all the eligibility criteria in Amex's PDS. Happy travels!
JUDITH

JUDITH

1 March 2024
I have applied for this card, i know points go to 11 frequent flyer programs but can I still ransfer to Qantas
    Pauline - CreditCard.com.au

    Pauline

    1 March 2024
    Hi Judith, unfortunately this card doesn't include transferring to Qantas Points. There's not even a workaround as you can't transfer other airline points to Qantas.
Yvonne Lu

Yvonne Lu

15 August 2023
Can the secondary card holder also enjoy the free travel insurance?
    Pauline - CreditCard.com.au

    Pauline

    15 August 2023
    Hi Yvonne, I looked into this for you and it states that the travel insurance includes the primary or the additional cardholder of the account. For more information on the eligibility, terms and conditions, and the exclusions, you can check AMEX Platinum Edge’s official insurance T&Cs PDS here.
Olan Cruise

Olan Cruise

25 July 2023
hi if the additional card holder was used to booked to travel by the main card holder... can she avail of the $200 travel credit? if yes how to claim it or form to use for travel credit. Thanks
    Pauline - CreditCard.com.au

    Pauline

    26 July 2023
    Hi Olan, good question! I looked into this for you and the American Express T&Cs state that the travel credit benefit is for the primary cardholder.
mee

mee

9 July 2023
what is the conversion rate from Amex reward points to kris flyer points? Thanks
    Pauline - CreditCard.com.au

    Pauline

    11 July 2023
    Hi Mee, the exchange rate between Membership Rewards points and KrisFlyer miles is 2:1. Which means you can convert 2 Membership Rewards points into 1 KrisFlyer mile. Additionally, you can only initiate transfers in increments of 5000 points or more. Hope this helps!
Jennifer

Jennifer

7 July 2023
Hi Pauline. I am travelling to Vietnam & Cambodia on a 18 day trip with Intrepid Travel, leaving 27 September 2023. It has been suggested that I check with my credit card provider if travel insurance is included. I have previously had a David Jones AMEX card but cancelled it after a couple of years. I have researched your cards and wondered what sort of insurance cover the American Express Platinum Edge credit card offers? I would be happy to top up the cover if reasonable. I would be grateful for your advice please. Thank you very much.
    Pauline - CreditCard.com.au

    Pauline

    11 July 2023
    Hi Jennifer, indeed the American Express Platinum Edge card offers various insurances as part of its benefits, such as international travel insurance, flight inconvenience insurance, transit accident insurance, and more. To obtain detailed information about the coverage level, terms, and any general exclusions, I recommend referring to the official American Express insurance PDS. Enjoy your epic trip!
waq

waq

19 January 2023
Hi. i recently got approved for amex essential with $60k in income. Whats the income requirement for this card? thanks
    Pauline - CreditCard.com.au

    Pauline

    19 January 2023
    Hi Waq, I looked into the requirements for the American Express Platinum Edge card, but I couldn't find any information about a specific income requirement. The only thing they mention is that you should not have a history of bad debt or defaults, along with the other standard eligibility criteria. However, if you were just approved for another card, applying for another one soon after isn’t considered a good idea as it may make you look “risky” to the provider.
Mohammad Anis

Mohammad Anis

24 September 2022
I am need my activate account now please
chi

chi

30 May 2022
as an amex platinum edge holder do I have the benefits such as complimentary airport lounge?
    Pauline - CreditCard.com.au

    Pauline

    31 May 2022
    Hi Chi, the American Express Platinum Edge card but it does not have lounge access. However, the card includes complimentary travel insurance as well as a $200 travel credit every year.
FS

FS

4 April 2022
What is the government purchase-including?
    Pauline - CreditCard.com.au

    Pauline

    5 April 2022
    Hi there FS, you’ll earn 1 point per dollar spent at government bodies including the ATO and other government bodies like council rates.
Laura

Laura

20 September 2021
Does this card give you access to airport lounges? Do your points earned carry forward each year or do you lose them each year? Thankyou
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 September 2021
    Hi Laura the Amex Platinum Edge does not come with Lounge access, but does feature a $200 annual Travel Credit and complimentary domestic and international travel insurance. In regards to the points, they don't expire long as you keep your American Express Membership Rewards account active. To check out cards with lounge access, you can compare a range of frequent flyer credit cards instead. Hope this helps!
Ernie Clark

Ernie Clark

9 May 2019
Does Amex Platinum Edge still allow Opt In to Qantas Freq Flyer with monthly points transfer, as it has done previously? If yes, is it point for point or? Thanks Ernie
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 May 2019
    Hi Ernie - you cannot transfer to Qantas points with the Platinum Edge. Have a look at the Qantas Discovery. With no annual fee and 0.75 Qantas points earn per $1 spent. This could be a good edition to deliver some Qantas points with AMEX. Another option and card that I really like for lower spenders is the HSBC Platinum Qantas. Great 1 point per $1 earn rate up to $2,500 spend per month. Good insurance with the card and a low $79 annual fee, waived first year.
John

John

16 April 2019
I am a American Express platinum card holder and my wife is an additional holder. My question is . . . Am I able to get the $200 flight discount and one for my wife on a flight from Port Macquarie NSW to Sydney return, travelling in March of next year, and do I have to purchase now or wait till later on in the year. If all can be done what do I do and how do you go about it. NEver taken advantage of this deal before . . . Stupid me.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 April 2019
    Hi John, you can redeem the travel credit at any time its valid. To redeem the Travel Credit, you must have paid the annual fee and minimum payment by the due date. The $200 Travel Credit can be redeemed against any single eligible travel booked and paid online through americanexpress.com.au/travel. The Travel Credit can be used for 365 days from the anniversary date and cannot be carried forward to any subsequent year. For bookings less than $200 any unused portion of the Travel Credit will be forfeited. I would suggest that you review the pricing on the AMEX travel site then book whenever you feel is good. The booking can be in anyone's name.

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