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American Express Platinum Edge

American Express Platinum Edge

2.6 from 63 reviews · View Statistics
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  • $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


  • $195 Annual Fee

  • 1% Balance Transfer Fee


CategoryFrequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards
Card TypeAmerican Express
BenefitsComplimentary Travel Insurance 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
Balance Transfer Rates
Balance Transfer Period 12 months
Balance Transfer Rate 0% p.a.
Balance Transfer Fee 1%
Release dateAug 2006
Visit official website


FrequentFlyer12Sydney Surrounds, NSW
  • 2 reviews
  • 1 like

Minimal Cover Travel Insurance - ask questions and read the fine print before travelling

  • 5 reviews

Bad service for retirees


It seems that no matter how wealthy one is the AMEX system is geared to help those with high incomes not high wealth. With a higher % of retirees, many wealthy, in the population I hope they change or they will fade away.

  • 7 reviews

Average Reward Program with Exorbitant Fees

  • 2 reviews
  • 1 like

No one accepts it.


I took out this card as I bank with a bank that doesn't have a rewards credit card. I purchase everything I can on this and use the points towards tickets etc.

The no touch only works with certain readers and you find yourself having to touch, then insert then swipe and finally sign... which is ridiculous in this day and age. It makes you feel you have no money left on your card.
Amex needs to review their fee structure There are too many places that don't accept this card.
I am constantly filling out the form for places that don't accept the card. I refuse to pay the surcharge that even the most popular places add.
Touch and go is flakey. No one seems to want to accept it.


I have since Got Rid of this card as I was never using the travel rewards.. The times I did use the travel rewards the prices on the rewards sites were more expensive than booking directly, so It was a total waste..

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