American Express Platinum Edge

American Express Platinum Edge

American Express Platinum Edge

66 reviews


Customer Service
Rates and Fees
Online Experience
Application Process
$200 Travel Credit each year
$0 Annual Card Fee in the first year
Earn up to 3 Membership Rewards Points per $1
0% p.a. on Balance Transfers for the first 12 months
Complimentary Travel Insurance
$195 Annual Fee
1% Balance Transfer Fee
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CategoryFrequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards
Card TypeAmerican Express
BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Travel Credit
Minimum Credit Limit $3,000
Minimum Income $50,000
Minimum Repayments2.5%
Rewards ProgramAmerican Express Membership Rewards
Points Earn Rate 3 points per $1
Points Conditions
  • 3 points per $1 spent at major supermarkets and petrol stations

  • 2 points per $1 spent in a foreign currency, overseas and online

  • 1 point per $1 spent on all other purchases

There is no cap on earn rate.

Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Rates & Fees
Purchase Rate20.74% p.a.
Late Payment Fee$30
Annual Fee$195 p.a.
Interest Free Period 55 days
Introductory Offers
Reduced First Year Annual Fee $0
Balance Transfer Rates
Balance Transfer Period 12 months
Balance Transfer Rate 0% p.a.
Balance Transfer Fee 1%
Release date
Visit official website


66 reviews
Wally14 posts

Travel Insurance offered with purchase of Airline Tickets

When purchasing an Airline Ticket using Amex Platinum Edge card , it offers Travel insurance through Chubb Insurance. It is worth noting that the eligibility criteria excludes those individuals over 79 years irrespective of the health status of the individual. This I think is a blatant act of age discrimination as someone below 79 could be of a greater health risk compared to a very fit individual without any health risks but happened to be over 79 years old. Show details
DaveLaunceston, TAS3 posts

Love the reward points!

Love the reward points, love simple and easy to use website, and it’s easy to make repayments.

The travel credit voucher is a great incentive, but I haven’t had the chance yet to use it. Looks like there are lots of options though. Show details

Customer Service
Rates and Fees
Online Experience
Application Process
JamesPerth7 posts
PCG3 posts

Super poor customer service, customer service staff unable to answer simple questions

Super poor customer service, customer service staff unable to answer simple questions. Unable able to provide basic info. Asked about policies they mention they could not provide info on the policies just respond search on website
BriceSydney, NSW8 posts
  Fair Incentive

It's great offer to me

I am an international and not usually approved any credit card except Amex.
Although it is made of plastic, I really appreciate them.
I am very happy to have it.
Next card might be Gold or real platinum. lol Show details
Rates and Fees
patiently waiting
patiently waiting4 posts
Customer Service
Rates and Fees
Online Experience
Application Process
Simon C
Simon CPerth, WA29 posts

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). Show details
Rates and Fees
JimPerth, WA5 posts

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. Show details
SaraGreater Melbourne (Outer), VIC7 posts

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.
Customer Service
Rates and Fees
Online Experience
DISSAPOINTEDmelbourne12 posts
Application Process
CharwendWide Bay-Burnett, QLD19 posts
  Fair Incentive
Rates and Fees
ricWide Bay-Burnett, QLD8 posts

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 . Show details
Rates and Fees
Bob G
Bob G2 posts

Lost me

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.
B LIMPerth, WA2 posts
Application Process
Therealpro5 posts

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.

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