$200 Travel Credit each year
Earn up to 3 Membership Rewards Points per $1
0% p.a. on Balance Transfers for the first 12 months
Complimentary Travel Insurance
Add up to 4 Cards at no additional cost
$195 Annual Fee
1% Balance Transfer Fee
|Category||Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards|
|Card Type||American Express|
|Benefits||Complimentary Travel Insurance and Travel Credit|
|Minimum Credit Limit||$3,000|
|Rewards Program||American Express Membership Rewards|
|Points Earn Rate||3 points per $1|
There is no cap on earn rate.
|Contactless Payments||Apple Pay, Fitbit Pay, Google Pay and Samsung Pay|
|Rates & Fees|
|Purchase Rate||20.74% p.a.|
|Late Payment Fee||$30|
|Annual Fee||$195 p.a.|
|Interest Free Period||55 days|
|Balance Transfer Rates|
|Balance Transfer Period||12 months|
|Balance Transfer Rate||0% p.a.|
|Balance Transfer Fee||1%|
|Release date||Aug 2006|
- Verified customer
Excellent credit card with great rewards
The Amex is my preferred credit card as it has a great rewards program. When you add up the benefits, they still far exceed the annual fee, although the reward points program has been downgraded recently. I like the statement credits and often get back >$100 year. Their online system is also the best compared to my 2 other credit cards. It's also quite good for online shopping as you can use with Paypal and there're no forex fees if you're charged in AUD even when the payment processor is overseas (unlike Citibank and many others).
No good anymore
This was such a good card before but has really gone downhill since. A free domestic flight before was changed to a $200 travel credit. The points conversion with krisflyer was the best thing and then they changed it WITHOUT NOTICE on 15th April. My hard earned points got cut in half with no warning and now earning will be the same as every other mediocre card. It's over for us amex.
- Verified customer
Great credit card with Amex benefits
I had this card for many years before I had To close it for a loan approval. The offers on the card are pretty good. I could have up-to 4 supplementary cards without an extra fee. This card has annual fee but instead gives you travel credit to use on Amex travel portal which was easy to use as the range is wide and prices are not much more expensive than other travel booking websites. It’s well worth the annual fee.
Have had this card for quite a few years - serves it purpose - $200 credit (previously credit a flight ) $199 annual fee. I travel so it it is useful has travel insurance component & additional cardholder. If you are traveling overseas and happen to be in Sydney use the amex lounge in Sydney.
It suits my budget and lifestyle - I recommended to my children -now have their own Amex platinium card - which I did not get points for recommending (I could have) they are happy with the benefits of the card .
Amex does not have the 3% transaction...
Good card with Frequent Fly points.
This is the card I try to use as much as possible. As my other card (My Card) has been reducing the amount of Frequent Flyer points I can get each month as I believe a lot of others Card Service have been doing, unless you are paying very large yearly fees. Service has been good, but not used much since getting in 1998. Credit cards should be used as tool not credit unless you want hedge bills each month. Put everything you can on your credit card for the month and then sweep (pay) the bill on the due date. This can be done by your bank automat...ically. This gives you the credit free period and no interest to pay along with the bonus of Frequent flyer points. It is also good to keep track of your spending. If you can’t do this don’t get a credit card. We have been around the world business class for free using theFrequent flyer points.
The reviewer stated that an incentive was offered for this review
AU$ 200 each year towards travel or accomadation
for the first few years with plt. edge , we had a free return trip every year anywhere in aust. except WA
we now get a flat AU$200 to spend each (valid for 12 months)
we always use it overseas and 85/90% merchants accept it. reasonable rewards but over-priced .
Why on earth would you now use this card? I only obtained it originally a number of years ago to receive Virgin Velocity points i.e. $1 AMEX spend for 1 velocity point and now they are worth half of what they used to be. It was good, now it is pointless. I'll be cancelling my card forthwith.
Points Halved with no warning
My wife and I both have this Platinum Edge card. Our housemate also has this card. My wife and I both have more than 100, 000 points in our cards each and they were all halved without warning. Our housemate on the other had has a lettter warning him of the impending points halving. We only knew of this halving after the date of effect when we talked to our housemate about the points. This is entirely unfair. How can 3 card holders all living in the same address be treated differently? Amex even told us that our housemate should have informed us...of the impending points halving. Amex also said we should have seen this notice on the Amex website as a pop up. We booked 2 trips on American express travels. One booked in feb and one booked in April before the point halving. THERE were no notice about the halving being presented to us. This is very irresponsible of them to assume that the responsibility of informing us about the point halving lies on another card holder and digital media. We should have received the letter telling us about the points halving. This is incomprehensible.
Amex is totally a joke!!!
For all existing cardholders that are saving up the points to transfer to one of the airlines program, you guys are about to get ripped off big time! Effectively your points will get halved, this is so unfair from amex. Dont mind they change the points system after 14 Apr. but it is so unfair for all points that are already earn that will get affected. Totally stupid.
So far so good
I have been using Amex Platinum Edge for a couple of years. Paid the annual fee but I got it back through the $200 travel credit that I can use for my trip bookings (flights or cars or accommodation). I like using Amex as it gives point rewards and we get triple points for groceries shopping. Amex also has special offers from various stores, but sometimes some stores still do not accept Amex cards or will charge a % surcharge if I paid by Amex card.
Less than useless in an emergency overseas. Harrassing phonecalls every 2 minutes. Negative 5 stars.
I recently went to Thailand to undergo hernia surgery (long story). I was slated to be there for a month in order to recover before returning to work in Australia.
So pretty much my first day in Bangkok, the ATM ate my Westpac debit card, my main card. Ever tried dealing with a Thai bank to get a card back? Language problems, and the legendary Thai ability to not really care about foreigners, all put into the too hard basket.
Not to worry, I'd grown up at a time when Amex services were legendary. My Dad had wonderful stories about Amex going ...
The Best Card for Grocery Shopping at Coles, Woolworths and IGA
If one regularly shops and spends lots of money at Coles, Woolworths or IGA, then the Platinum Edge card is a must have as - at 3 points per dollar spent - one effectively gets a tax-free 3% bonus on all purchases. This is also the case for buying alcohol at liquor stores attached to Woolworths and IGA, but not for purchases from Coles Liquorland.
Before applying for this card, check out the possible Bonus points offers at Points Hack or the referral links at the Australian Frequent Flyer site, where one can pick up bonus points of anywhere fr...om 15,000 to 50,000 points. I value the points at about one cent per point, though when converted to other airlines' points and used for upgrades, other people value them much higher. The card costs $199 a year, though if you get it through say a professional association, it only costs $149 a year. There is an annual $200 Travel Credit - if one joins the Ascent scheme - which can be applied to flights, hotel accommodation or activities/excursions listed at the Amex travel site. One warning though - last year I was trying to book a hotel in Bangkok for a night, and it was full price at the Amex site, whereas it was $100 cheaper at Booking.com. Then I noticed that there were no specials at all on the Amex site. Puzzled I got the site up in another browser, and then all the lower price specials were there, similar to the Booking.com site, and I then booked the room using the Travel credit. Beats me why my browser wasn't showing the sale prices. One gets three options with the Amex Member Rewards (MR) points a. Keep them as Amex MR points, or
Customer Service is Appalling and Arrogant.
Go down to Woolies last Wednesday to get a carton of cigarettes and my Amex Card is declined 3 times. Not very embarrassing at all. Lucky I had a Visa Card as well. Get home and log into my Amex Account and it says it has been suspended. So I call them to find out why. She says they have received a negative credit report on me from a place I never heard of called Equifax and I need to contact them. She gives me a number to call. Has given me the wrong number. Call back and of course because they are in the Eastern States they are closed. Fuming...by this point. Get up early on Thursday and ring again, this time the credit section of Amex. I ask the guy how they can do this without even notifying me first of all, second I have never defaulted on a payment to them or anyone else in my life and third I pay the balance off my Amex in full every month. Starts going on about how great this is but can't do anything about it as this is there policy, I have to get it cleared with Equifax. Ring Equifax, they can not tell me anything over the phone I have to order a credit report, pay $79 to receive it in 1 business day or wait up to 90 days for the free one. So I want to know wth is going on and pay. Next morning get the report and some electronics equipment rental place in the eastern states who again I have never heard of, has me in serious default with them and so they have for what ever reason listed me and sent it in. Ring Equifax. I can ring this place and try and get it sorted and if they agree it is not me, have them correct it and I could have a cleared credit report in 5 business days or lodge it with them and they will investigate will take 30 business days. Ring myself. Turns out different middle name and address in Melbourne, I am in Perth but I cop it anyway. They did believe it wasn't me and said they would send the correction that day. Meanwhile I still have to wait 5 business days for a cleared credit report then send to Amex before they unsuspend my card. How the hell in this day and age can it take 5 business days for a click of a button. Ring Amex and go off and told I am such a valuable customer but still will do nothing until they receive the report. Just for a laugh to see if they have maybe done anything in less than 5 days log into my account but no of course my card is still suspended but then up flashes for the third time (have also received in the mail) an invitation to increase my credit limit. Hahahahaha what a bloody joke this lot are. Seriously considering just ditching them altogether now. Just a bloody joke how this can be done to you without anyone even bothering to contact you from any of these companies before they go ahead and ruin your credit rating when it is not even you that is at fault. After reading the overwhelmingly negative reviews and awful experiences so many people have had with this Equifax I am now going to contact the Ombudsman about both them and American Express. Surely there has to be something that can be done about this. So today March 1, after years of being with American Express I have cancelled my card and account with them and will never return. After doing all the running around to sort this out, I am told today by Equifax that this mistake has been cleared up by the company that listed me as being in default, but only after requesting to speak to a supervisor as she originally tried to tell me they had received nothing, but I had to pay another $80 to receive a cleared report in 1 business day or wait 10 days for a free one. Why? When I had just paid $80 to receive one simply to find out who it was that had listed me as being in defaut so I could get that sorted. Rang American Express to see if they could help me and check to see that I was in fact in the clear and it was a mistake and lift the suspension but no can't do that I have to send the report when I get it. Unbelieveable, so I have paid the balance and cancelled the card. Did ask about a refund for the annual fee of $195 which I have just paid, 34 days ago but again no it has been more than 30 days. This would have to be the worst institution in the world as far as how they treat their customers. If you are considering having any type of account with American Express please don't or think very very seriously before you go ahead.
Appalling customer service that leaves you stranded
I recently closed my Amex account after 12 loyal years. I had a large purchase to make and “overpaid” my credit card to cover the funds. Yes - I wanted the points and purchase protection offered by Amex.
To my dismay this caused no end of heartache. My account was frozen due to being seen as a credit risk. Customer service could only help between 9-5pm AEST Monday to Friday regardless of where I was calling from.
I requested that my direct debits be processed as usual to which Amex blatantly refused.
After multiple phone calls I was...advised that my Amex card would remain frozen until my next credit card cycle. Was I notified of the account freeze? Absolutely not and instead faced the embarrassment of a bounced card at a restaurant amongst friends.
We purchased our return tickets with a Platinum Amex card prior to leaving Australia. A little while into our trip, we decided to cancel our refundable tickets home and purchase new tickets with a different airline as we could get a better deal. On contacting Chubb Insurance who underwrite the card, we were told that our travel insurance would be voided because in the event of a claim, the original return ticket would not be used. This seems very slippery to be for a $1200/ annum card. We plan to cancel it.
Worst Customer Service I've Ever Come Across!
The travel department are rude and condescending to their customers. They will also happily hang the phone up on their customers midway through a call when you're politely explaining why you're not impressed by the way they are talking to you.
When you later call the complaints department, the team there will put you on hold for 20mins till you hear a voice on the line say "the people you are calling have evacuated the building, please call back next time"; or they'll inform you that a manager will call you back in which they never will! Never been treated so poorly by a company before! Absolutely Appalling!!
Overpriced, $200 travel voucher useless, can't use in most SA stores, terrible resolution of fraudul
I was a big fan 20 years ago. The $200 yearly fee was offset by the free flights. The (up to 5%) extra charge for using AMEX meant you had to have two credit cards, check the store mark-up, and check if the store even accepted AMEX in South Australia. Then decide which card to use. Fortunately we didn't ever have to use the bonus warranty, as the reviews indicate that AMEX wont honour it. We did try to use our AMEX travel insurance a few years ago, they refused, and we had to initiate a claim through the smalls claim court to resolve it. All fo...und in our favour. I should have cancelled there and then. Unfortunately I was diagnosed with a rare and aggressive cancer and had other priorities. Credit where it's due, they gave us some flexibility in redeeming our flight and extended the use by date. After lots of to and froing. I made phone calls, and had lengthy emails with the Royal Australian College of GPs so my membership at RACGP would not be renewed. I had cancelled my medical registration and wasn't even eligible to be a member. Through an oversight the RACGP still processed my fee. I sought reversal as a fraudulent transaction. Sent copies of all emails and AHPRA emails, including confirmation from RACGP that I would not be charged. AMEX found in favour of the fraud, with no further information from me. They based their decision on a tax receipt, printed by RACGP. The credit card they withdrew from had been cancelled fifteen months earlier. So AMEX charged my new account. RACGP refunded the money, to AMEX the next day, after forcing me to again threaten legal action. I contacted AMEX to complain and prove the transaction was fraudulent. Two months and no contact. I decided to use my travel voucher, which has replaced the free flights ($200) and then cancel my membership. Difficult to book, and must pay AMEX's rates. Online, and direct hotel $119 per night. AMEX rate $192 per night. I'll just use it for one night. My friend is travelling here from Perth to say our last farewell as I have very few days left. Do not use AMEX platinum. You've been warned by a doctor who was a Pride of Australia Award finalist for care and compassion. Not that it makes my opinion more important, but I hope it adds to my credibility. Make the most of your lives. Practice love, kindness, compassion and friendship. Make the most of every day, and hope you earn good karma. Don't be foolish enough to ignore everyone's bad press on AMEX.
Great Card, Great points and conversion rate BUT travel credit is big WASTE and BAIT!!!
I love Amex and always wanted to have one, don't know why but always did. Finally in 20174 got approved for Amex platinum edge card;
Straight to the numbers:
3 points per $ on major supermarkets, so if you spend roughly $200 on groceries then $10400 spend over 52 weeks gives you 31200 points;
2 points per $ on fuel purchase, so if you fill up $50 a week $2600 spend over 52 weeks gives you 5200 points;
1 point per $ everywhere else, so considering your petty expenses are about $50 a week $2600 spend over 52 weeks gives you 26...
Disappointed with the reduction of reward points
changing the partner airline points
Recently have received a letter stating the transferring amex points to frequent flyer points will change as of the 15 April 2019. So with all the points you will accrue after this date they will half what you can transfer> I prefer Velocity Frequent Flyer, I so now its 2 amex point will get me 1 velocity point. blah. I would always use my amex card all the time to earn points but now I just dont think this card is worth it. First they took away the annual return domestic flight and now this. Make sure whe...
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