- Receive 200,000 Bonus Membership Rewards® Points when you apply online by 25 August 2026, are approved and spend $5,000 on eligible purchases on your new American Express Platinum Card within the first 3 months. New American Express Card Members only. T&Cs apply.
- Earn up to 2.25 points per $1 spent on purchases except on government bodies where you'll earn 1 point per $1 spent
- No cap on earn rate
- $450 Platinum Travel Credit each year, which can be redeemed for eligible flights, hotels or car hire
- Up to $400 Global Dining Credit to spend at over 2,000 participating restaurants in Australia and abroad. T&Cs apply. Benefit runs until 31 December 2026.
- Complimentary access for you and a guest to over 1,550 airport lounges in over 140 countries, including The Centurion® Lounge, Escape Lounges - The Centurion® Studio Partner, Priority Pass Lounges and more
- Transfer your points to any of the over 10 airline and hotel partners
- The Australian Premium subscription
- Enjoy Langton’s range of benefits including access to their renowned brokerage service and a $50 welcome voucher
- Complimentary domestic and international travel insurance (terms, conditions and exclusions apply)
- Complimentary shopping insurance covers such as Card Purchase Cover, Buyer’s Advantage Cover, Card Refund Cover and more
Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.
American Express Credit Cards
American Express Platinum Charge Card
Updated 21 January 2026
You can receive 200,000 Bonus Membership Rewards® Points when you apply online by 25 August 2026, are approved, and spend $5,000 on eligible purchases on your new American Express Platinum Card within 3 months of your approval date.
New American Express Card Members only. T&Cs apply.
Points Earn Rate (per $1 spent)
2.25 points
AmexRewards Program
Amex Membership Rewards
Bonus Points
200,000 pts
When you spend $5,000 within the first 3 months
Pros and cons
- A high annual fee, but if you're using it properly you'll be getting your money's worth
- This is a charge card so you need to pay off your balance in full
Creditcard.com.au review
Editor Review
American Express Platinum Charge Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
Providing an abundance of extras, the American Express Platinum Card offers exceptional value to Card Members who want higher points earned plus platinum travel perks. As a new Amex Card Member, you could receive 200,000 Bonus Membership Rewards® Points when you apply online by 25 August 2026, are approved, and spend $5,000 on eligible purchases within the first three months. T&Cs apply. Earn 2.25 points per $1 on American Express’s incredibly flexible rewards program as a member of Ascent Premium.
Understanding what their Card Members value, American Express has enhanced the Platinum Card, adding and improving a number of features. Card Members now have access to complimentary ALL Accor+ Explorer membership, $450 Platinum Travel Credit each year, extensive airport lounge access, and so much more.
This Card: The Lowdown
Designed for frequent travellers who want exceptional extras, the American Express Platinum Card is a rewards card with a high earn rate and an almost dizzying selection of features. If you’re searching for a card that gives you more bang for your buck – and you don’t mind paying out a buck or two for the outstanding rewards it offers – this could be the perfect card for you.
Expect high-end features, such as membership to exclusive hotel loyalty programs, Travel Credit, Global Dining Credit and premium digital access to The Australian, while enjoying a high earn rate on everyday spending. And if that wasn’t enough, as long as you meet the minimum spend and requirements, you can take home 200,000 Bonus Membership Rewards® Points.
As of 15 February 2024, American Express launched its Amex Experiences App that gives you even more travel offers, events, and member benefits, including exclusives like Amex pre-sales and special event tickets. You'll be able to access information on booked hotels, book restaurants where your Dining Credit is available and find recommended businesses around the globe. Its an easy way to maximise your Amex Membership benefits in one place.
Just note that the new app doesn't replace the Amex App that you use to manage your banking. To download the new app, search for 'Amex Experiences' (available on Google Play and via the App Store).
Digging Deeper
With the basics covered, it’s time to dig a little deeper into what’s on offer with the American Express Platinum Card, so you can decide whether this card is right for you.
This Card: As a Rewards Card
As a new Amex Card Member, you can receive 200,000 Bonus Membership Rewards® Points when you apply online by 25 August 2026, are approved, and spend $5,000 on eligible purchases within the first three months. T&Cs apply. The bonus points will be credited to your account within 8–10 weeks.
To be eligible for this bonus points offer you must be a new Card Member, so if you currently hold an American Express card in your name, or have held one in your name within the past 18 months, you are ineligible. If you have a bank-issued American Express companion card you may still be eligible, as long as you meet all other application eligibility criteria.
Earning Points
With the American Express Platinum Card, you will earn points as a member of Ascent Premium, American Express’s highest tier of rewards.
- Earn 2.25 points per $1 spent on all purchases, except those in the 1 point category
- Earn 1 point per $1 spent with government bodies in Australia
There is no points cap on this card.
Redeeming Points
Perfectly flexible, the American Express Membership Rewards® program offers a wide range of redemption options. If you want to earn points on a particular frequent flyer program, you can opt to transfer your points to a choice of over 10 airline and hotel partners.
To transfer points, you must be a member of the frequent flyer or hotel loyalty program in question, and a joining fee may apply.
American Express Membership Rewards® points can also be transferred to Everyday Rewards, where points can be used at participating Everyday Rewards partners, alongside the over 10 airline and hotel partners listed below.
As a Card Member, you can also use your points to pay for travel by booking through American Express Travel Online, with no restrictions, no blackout dates and no booking fees (exceptions may apply). Alternatively, you can use your points when booking with Webjet or Helloworld Travel.
Points can also be redeemed for eligible purchases on your account with Select + Pay, or exchanged for gift cards with American Express’s retail and entertainment partners.
Membership Rewards Points conversion rates Rates are correct and updated as of 16 December 2025.
| Program name | Conversion rate |
|---|---|
| Air New Zealand Airpoints (NZ) | 2,000 MR = 10 Airpoints Dollars™ |
| Cathay – Asia Miles | 7,500 MR = 2,500 Asia Miles |
| British Airways | 3,000 MR = 1,000 Avios |
| Emirates Skywards | 4,000 MR = 1,000 Skywards Miles |
| Etihad Guest | 1,000 MR = 500 Etihad Guest Miles |
| Everyday Rewards | 500 MR = 400 Everyday Rewards Points |
| Qatar Airways Privilege Club | 750 MR = 250 Avios |
| Singapore Airlines KrisFlyer | 7,500 MR = 2,500 KrisFlyer Miles |
| Malaysian Airlines Enrich | 1,500 MR = 500 Enrich Miles |
| Virgin Atlantic Flying Club | 3,000 MR = 1,000 Virgin Points |
| Velocity Frequent Flyer | 2,000 MR = 1,000 Velocity Points |
| Hilton Honors | 2,000 MR = 1,000 Hilton Honors Point |
| Marriot Bonvoy | 600 MR = 400 Marriot Points |
This Card: As a Travel Rewards Card
Of course, the American Express Platinum Card is much more than a rewards card. One of the most appealing aspects of this card has to be its exceptional travel features.
Decision Time
Simply packed with features, the American Express Platinum Card is the ideal card for frequent travellers who spend big – and who want to earn big rewards in return. Allowing you to transfer points to a number of popular frequent flyer programs, the card offers plenty of redemption options, as well as a high earn rate. You can benefit from 200,000 Bonus Membership Rewards® Points as a new Amex Card Member, while also enjoying a premium selection of travel perks and lifestyle benefits.
Sources:
*American Express Platinum Charge Card terms and conditions
User reviews
Rates and fees
Interest rates
Purchase rate N/A
Cash advance rate N/A
Interest free period on purchases up to 44 days
Credit limits
Minimum credit limit N/A
Maximum credit limit N/A
Fees & repayments
Annual fee $1,450 p.a.
Additional cardholder fee up to 4 at $0 p.a.
Foreign transaction fee 3%
Minimum repayment $30 or 2.5% (personal); $20 or 3%, whichever is greater (business)
Cash advance fee N/A
Late payment fee 3% or $20 (whichever is greater)
Rewards and points
Rewards program
Rewards Program
Amex Membership Rewards
Bonus points 200,000 points
Annual points cap uncapped
Bonus points spend criteria When you spend $5,000 within the first 3 months
Earning points with this card
Amex Rewards points 2.25 points per $1 spent
Points cap per month N/A
Overseas earn rate same as standard earn rate
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
Airport lounge access with Priority Pass
Fine Hotels + Resorts program
$450 Platinum Travel Credit each year
Complimentary ALL Accor+ Explorer membership
Overview
American Express Platinum Charge Card
Receive 200,000 Bonus Membership Rewards® Points when you apply online by 25 August 2026, are approved, and spend $5,000 on eligible purchases on your new card within the first three months. T&Cs apply. New American Express Card Members only. Apart from a better than usual earn rate on points per $1 spent, you can transfer points to over 10 airline and hotel partners when you are looking to book flights, and you get a price guarantee on Business and First class airfares worldwide. Travel will be a lot more comfortable when you and a guest are allowed entry on a priority pass to over 1,550 different airport lounges across 140 countries and counting, offered comprehensive overseas travel insurance and Priority rewards with thousands of hotels in different countries around the world. Receive a $450 Platinum Travel Credit each year, which can be redeemed for eligible flights, hotels, or car hire.
Key features
- Receive 200,000 Bonus Membership Rewards® Points when you apply online by 25 August 2026, are approved and spend $5,000 on eligible purchases on your new American Express Platinum Card within the first 3 months. New American Express Card Members only. T&Cs apply.
- Earn 2.25 points per $1 spent on all purchases excluding spend at government bodies in Australia
- Earn 1 point per $1 spent with government bodies in Australia
- Transfer points earned to over 10 airline and hotel partners
- Complimentary access for you and a guest to over 1,550 airport lounges across 140 countries and counting including The Centurion Lounge, Escape Lounges - The Centurion Studio Partner, Priority Pass Lounges and more
- Enjoy up to $400 in Dining Credits when you dine at participating restaurants in Australia and abroad. T&Cs apply. Benefit ends 31 December 2026.
- Receive a $450 Platinum Travel Credit each year, which can be redeemed for eligible flights, hotels or car hire.
- Complimentary domestic and international Travel Insurance (including limited cover related to COVID-19 coverage, T&Cs apply)
- Smartphone Screen Cover for up to $500 for screen repairs to your Smartphone when you pay for your smartphone with your Platinum Card, either outright or on a monthly contract
- Card Purchase Cover and Buyer's Advantage Cover
- Online Fraud Protection Guarantee
- The Australian Premium subscription
- Complimentary suite of benefits at over 1,600 extraordinary properties worldwide with Fine Hotels + Resorts (average total value of US$550)
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 vis (at least 12 months; does not include student visas).
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 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.
Ask a question19 questions (showing the latest 10 Q&As)
being that this is a charge card and not a credit card can i use it to deduct my mortgage payment from it and still receive rewards points ?
Hi Peter, that’s a really interesting question. Generally, charge cards like the American Express Platinum can’t be used for mortgage repayments, as most lenders don’t accept credit or charge cards for that type of payment.
Even if it were possible through a third party, Amex may classify it as a “cash advance” or “excluded transaction,” which typically doesn’t earn points. It’s best to confirm the specifics directly with Amex on 1300 557 743.
You can also check Amex’s Membership Rewards Terms for details on what transactions earn points.
Good afternoon I amlooking to sign up to the Amex platinum card.
I am currently a secondary card holder with an Amex business platinum card. My question is am I still eligible for the sign on bonus reward points?
Hi Andrea, Credit card approval usually depends on the issuer and is based on several factors, including your income versus expenses, assets versus liabilities, and your credit history. You may also be eligible for the sign-up bonus as long as you’re approved before 9 September 2025 and spend $5,000 on eligible purchases. Make sure to check the T&Cs and the TMD before applying to make sure you meet the criteria. All the best Andrea!!
regarding the american express platinum card, 225,000 bonus points are with any airline such as Qantas or Singapore air?
$450 travel credit can they be used on any international airline?
Access to 1,400 lounges includes Qantas, Singapore, Thai, Emrates or Qatar?
Hi Alex, they're some great questions. The great thing about Amex Membership Rewards points are that they can be converted to a plethora of airlines. You can convert them to (but not limited to) Air New Zealand, Emirates, Etihad, Qatar, Singapore Airlines and Velocity. They are also transferable to Hilton Honors and Marriott Bonvoy. To utilise the $450 travel credit you'll need to book using the American Express Travel Service. In terms of airport lounges, this card gives you access to Centurion® Lounges, Centurion® Studio Partners, Delta Sky Club, Plaza Premium Lounges, Virgin Australia lounges, Lufthansa lounges, Priority Pass lounges and other lounges as part of the Amex Global Lounge Collection. Hope this has helped you out Alex!
I want to confirm my application is for the American express platinum charge card,
Hi Joanna, you’ve actually landed on Creditcard.com.au, Australia’s top credit card comparison site. I suggest giving Amex a call at 1300 132 639. Thanks!
Does Amex also offer balance transfer, for instance if I choose other bank institutions to pay off my balance will Amex accept that?
Hi Nishant, Amex cards do not offer a balance transfer option unfortunately. If you need to move your debt, you could explore other balance transfer credit cards for more choices. Thanks!
Hi there, the Amex platinum card, what would be the lounge access benefits for the primary and supplementary card holders (which ones + number that can invite)
Hi Eli, I looked into this and see that with this card you’re eligible for unlimited complimentary access to all locations of The Centurion Lounge. You may also bring up to 2 guests. For more information about the lounge access feature, you can check The Centurion Lounge.
Can your ATO bill be paid with this card and accrue points?
Hi Dave, yes you may use your American Express Platinum Charge Card to pay your ATO bill and earn 1 point per $1 spent.
Hi there, just wondering if the platinum chard card gets points for shopping at the major supermarkets and service stations like the platinum edge credit card does.
Thank you
Hi Blaize, I looked into this for you and there’s no mention of getting extra points for shopping at major supermarkets. But, you will earn 2.25 Membership Rewards Points per $1 spent on purchases except on government bodies in Australia where you earn 1 point for that.
hi pauline,
Am looking into getting a credit card so I can use the rewards. I am very good financially so am just looking into which one would be best for me in terms of rewards. Only looking for one that has a max spend of around 5 thousand.
If you have any suggestions that would be great!
Kindest of Regards,
Tom
Hi Tom, thanks for the information! The “best” card actually depends on various factors that matter only to you. You can compare a range of rewards credit cards options, read our reviews, read other customer reviews and start a short list by hitting the “heart” icon on the card review. Then you can compare each of your preferences side by side until you find the one that you’re ready to apply for. Not exactly the answer you were looking for but I hope this has helped!
My partner currently is a supplementary card holder of a amex card, if she applies for this charge card would she get the bonus point given meeting the spend criteria. Or will need to cancel her card and reapply in 18months.
Hi Emma, good question! Upon checking the small print on the current offer, your partner may qualify as long as she is not the primary cardholder of any other American Express cards.
Will my credit score from another country (ie. Malaysia) be taken into account when applying for this card?
Hi Bryan, interesting question! Usually, when applying for a credit card in Australia, your credit score from another country will not be taken into account as this is country-specific and unique to each country’s financial system. However, American Express (or any other credit card issuers in the country) may still consider other factors such as your income, employment status, and overall financial history and creditworthiness when assessing credit card applications.
Hi can I apply for a credit card and have it as a joint credit card so it can cover my partner and I when we travel?? Thanks
Hi Sereena. It can be quite tricky obtaining a joint credit card because only a small number of credit card companies permit applications from multiple individuals. In Australia, the list of banks that currently accept joint credit card applications is limited to Bendigo Bank, Heritage Bank, Bank Australia, and Hume Bank. To get more information and help, you can either go to their websites or get in touch with them directly.
Question
Re AMERICAN EXPRESS PLATINUM CHARGE CARD .
For the bonus points , once you meet the criteria spend $5,000 within first 3 months , how long till the points are added and redeemable ?
Apart from the annual fee of $1.4k are there any fees if you pay the charges off within the month ?
Is the annual fee required to be paid upfront ?
Hi Alana, the bonus points will be credited to your account within 8-10 weeks after the spend criteria has been met, and they don’t expire so you can redeem them anytime. Other conditions, exclusions and limits apply so please check the Membership Rewards Terms and Condition.
Generally, you won’t be charged any interest as long as you pay your closing balance in full by the due date each month. On top of the annual fee, there are other charges like the cash advance fee, currency conversion fee, paper statement fee, etc. The card annual fee is billed as a one-time charge on your statement in the month when you first activate your card, and in the same month of your card anniversary each year after that. You can have a read through the PDS as well, which has information about all their charges and fees..
Just wondering if I can use a credit card to pay off my Amex Platinum Charged Card.
Hi Hugh, we’ve written a guide to help you navigate paying one card with another. It’s got some tips and things to look out for. Hope that helps!
Which card should I go for charge card or credit and even which one specifically should be best for me, I atleast travel twice a year, pay full monthly or later doesnt matter but I want the best possible points from everyday spendings and priority/express check-in on airports is highly appreciated.
Thanks
Hi Ahnaf, not many cards in Australia offer priority check-in at airports, unless you've got the status credits to go with it. Interestingly, HSBC just launched their Star Alliance Credit card that offers Gold Status if you meet the spend requirements. If you can forego the priority check-in feature, you can compare a range of frequent flyer credit cards or rewards credit cards for points earning on your every day spend. If you plan to pay off your balance in full every month, you could compare a range of charge cards that earn points too. Safe travels!
I have an AMEX platinum charge card. My wife is linked to the card using a supplementary card.
Does she get the same benefits when not traveling with me (eg ACCOR Plus, ALL ACCOR Live, access to airport lounges, premium hotel benefits, etc,)?
Hi Christopher, good question! I checked this for you and it states in American Express Insurance terms that as long as you meet the eligibility requirement (e.g either the card member or the additional card member, an AU resident, have used the card to pay in full for the round trip ticket, car rental, etc.), your wife may be covered. For your more detailed question, I suggest reaching out to American Express directly for your wife’s requirements. Safe travels!
Hi, if you are an existing AMEX cardholder what do you need to do to upgrade to the AMEX metal card? Are all additional card holders eligable to travel insureance and airport lounges. Is an additional card holder allowed to bring a guest into the lounge. Kind regards
Hi Ann-Marie, its usually when your card is due for renewal that you would receive the new style of card. You can call AMEX credit card customer service and check if you can speed this process up. Only the primary cardholder is eligible for the travel insurance and airport lounges. If other family members are traveling with you. Then they can be eligible as well. Though they are not eligible if you are not are not traveling with them.
Hi What are the card charges for using the card with retailers and do most absorb or pass on this fee
Hi Kylie, some retailers will charge a surcharge with AMEX and many dont. It just depends where you shop. I use my AMEX quite regularly but also have a Visa backup. This is when the business may not take AMEX or might want to hit me with another 2-3% to do it. Supermarkets accept and don't surcharge.
Hi, could you please tell me if the $450 travel credit can be used for airbnb?
Hi Hilda, no it can not. It can only be used for purchases through the AMEX travel portal - wwww.americanexpress.com.au/travel. Therefore no go for an AirBNB purchase.
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Jordan
2 October 2022If you like travelling and eating out fancy on a semi-regular basis then this card pays for itself just on the benefits. The earn rate on this card is fantastic, allowing me to transfer my points to Qantas so I'm earning 1.13 points per dollar, all while it being in the Amex points so I can just build up points and use them for anything from flights, to hotels, to car rentals from pretty much anywhere in the country. As well as this, being a charge card, it keeps you smart, not overspending because you know you have to pay it back soon.
Recommends this cardOmar
8 January 2020Great looking card, benefits are good if you can manage to enrol in them. It has taken me in excess of two months to attempt to enrol in the programs offered however glitches in their system don't allow you too. Fees are rather high but can be offset if you are a frequent traveller. Phone customer service is below average, you'd expect much better service when you pay those kind of fees for a platinum card
Does not recommend this card