- American Express Membership Rewards
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- Travel Credit Cards
American Express Platinum Business Card
4.2
Highlights
- New customers can earn 300,000 bonus Membership Rewards points. Apply by 13 January 2026, get approved and spend $12,000 on eligible purchases in the first 3 months.
- Pay an annual fee of $1,750 each year.
- Earn up to 2.25 points for every dollar spent on eligible purchases.
- Access special Platinum perks for travel, events and dining to make business smoother.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
American Express
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
N/A
Minimum Age
18 years
Minimum Credit Rating
Fair, Good, Very Good, Excellent
Minimum Income
$75,000.00
Temporary Residents Accepted
Yes
Additional cardholders
Additional Cardholders
99
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
N/A
Maximum Credit Limit
N/A
Repayments
Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
100%
Balance transfers
Balance transfer offer
Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A
Balance transfer conditions
Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A
Rates, fees, charges
Cash advances
Cash Advance Rate
N/A
Cash Advance Fee
N/A
Cash Advance Fee Percentage
N/A
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
N/A
Account fees
Annual Fee Initial Year
N/A
Annual Fee Ongoing
$1,750.00
Dishonour Fee
$30.00
Duplicate Statement Fee
$7.00
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$20.00
Rewards
Rewards program basics
Rewards Program
Membership Rewards
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
2.25
Government Rewards Points Earn Rate
1
Overseas Rewards Points Earn Rate
2.25
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
N/A
Cardholder's Extended Warranty Insurance
Yes
Cardholder's International Travel Insurance
Yes
Cardholder's Interstate Flight Inconvenience
Yes
Cardholder's Personal Item Theft Cover
Yes
Cardholder's Price Protection Insurance
N/A
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
Yes
Cardholder's Transport Accident Insurance
Yes
Travel and lifestyle
Airport Lounge Access Included
Yes
Concierge Service Included
N/A
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
No
History
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
Very good reward scheme when I can use it
Reviewed by Charles Wells
Love my platinum AmEx
Reviewed by Mary
Very satisfied with the card
Reviewed by Abhijit
Very pleased
Reviewed by Shahin
Great for travelling
Reviewed by Joe
Unmatched level of service
Reviewed by Raymond
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