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American Express Platinum Card
Highlights
- Earn 200,000 bonus Membership Rewards Points when you apply by 8 July 2025, get approved, and spend $5,000 on your new Card within the initial 3 months. T&Cs apply. Exclusive to New Amex Card Members.
- This card includes comprehensive travel insurance, covering trip cancellations, travel delays, lost baggage, medical emergencies, and more—giving you peace of mind when you’re on the go.
- Receive a $450 Platinum Travel Credit annually for flight, hotel, or car rental bookings.
- Get up to $400 each year to use at over 1,400 carefully selected restaurants worldwide, making dining out a little more rewarding.
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
No
Minimum Age
18 years
Minimum Credit Rating
Fair, Good, Very Good, Excellent
Minimum Income
$100,000.00
Temporary Residents Accepted
No
Additional cardholders
Additional Cardholders
4
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
N/A
Maximum Credit Limit
N/A
Repayments
Interest Charged From
Statement date
Interest Free Period
Up to 44 days on purchases
Minimum Repayment Percentage
3%
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
50%
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
$1,450.00
Dishonour Fee
$6.00
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
No
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
Yes
Complimentary QFF Membership Included
N/A
History
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
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