|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||$3,000.00|
|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||$30.00|
|Annual Fee||$195.00 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|
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
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
The reviewer stated that an incentive was offered for this review
American express Lack of flexibility and poor customer service
I have had an American Express Platinum Rewards card since 1999 (21 years) and have a limit of $25,000.00.
I have used the card extensively and have never gone anywhere near the limit. Usually around $5-6K per month paid authomatically each month. I recently was offered a David Jones Amex which provides additional rewards points in David jones and was happy to be offered the reqrds card by the excellent staff at DJ'S . If you want lessons in good customer service and advice see the young man in appliances at DJ'S Newcastle. I filled all the re...
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 $200 travel credit. The points conversion with krisflyer was the best thing and then they changed it WITHOUT NOTICE on 15th April. My hard earned points got cut in half with no warning and now earning will be the same as every other mediocre card. It's over for us amex.
AU$ 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.
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.
Travel prices are hiked.
No more free flights.
Travel team are rude and condescending.
All my mates and i are now switching to westpac which offers more.
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