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American Express Platinum Edge

American Express Platinum Edge

2.6 from 63 reviews · View Statistics
See the Best Frequent Flyer & Travel Credit Cards in 2021 as rated by Australians on ProductReview.com.au.
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Pros

  • $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

Cons

  • $195 Annual Fee

  • 1% Balance Transfer Fee

Details

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

Reviews

  • Transparency
    4.5 (2)
  • Customer Service
    4.5 (2)
  • Rates and Fees
    3.5 (2)
  • Rewards
    4.5 (2)
  • Online Experience
    4.5 (2)
  • Application Process
    4.5 (2)
Previous
Next
Sara
SaraGreater Melbourne (Outer), VIC
  • 5 reviews
  • 2 likes
  • Verified

Great credit card with Amex benefits

published

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.

Transparency
5/5
Customer Service
5/5
DISSAPOINTED
DISSAPOINTEDmelbourne
  • 9 reviews
  • 8 likes

great card

published
Application Process
5/5
Incentivised Review No
Charwend
CharwendWide Bay-Burnett, QLD
  • 7 reviews
  • 5 likes

Good card with Frequent Fly points.

published
Transparency
4/5
Customer Service
4/5
Similar opinion? Write a review on ProductReview.com.au!

The reviewer stated that an incentive was offered for this review

Titin
TitinPoint Cook
  • 4 reviews

So far so good

published

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.

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Vibs
VibsElsternwick
  • 3 reviews
  • 3 likes

Great Card, Great points and conversion rate BUT travel credit is big WASTE and BAIT!!!

published
Vibs
Vibs
FrequentFlyer12
FrequentFlyer12Sydney Surrounds, NSW
  • 2 reviews
  • 1 like

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

published
Rustyd
Rustyd
  • 5 reviews
  • 4 likes

Bad service for retirees

published

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.

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Next
Ronalds
Ronalds
  • 7 reviews
  • 15 likes

Average Reward Program with Exorbitant Fees

published
Peter
PeterSydney
  • 2 reviews

Great rewards

published

If you are a big spender and pay your balance in full each month and like the rewards, this is the card for you. Especially if you are a member of a professional body then the fees are low, yes some stores do not accept it but not that many. Tap and go works well, free flight each year, last year we went to Queenstown.
Points, flights, travel booking service

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Disgruntled
DisgruntledMelbourne
  • 2 reviews
  • 1 like

No one accepts it.

published

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.
Points.
Touch and go is flakey. No one seems to want to accept it.

Disgruntled
Disgruntled

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..

Mel T
Mel TToowoomba, Queensland
  • 32 reviews
  • 27 likes

My fave card.

published
psychadelic
psychadelicAU
  • 6 reviews
  • 2 likes

Good

published
Frequent Flyer & Travel Credit Cards

Find out how American Express Platinum Edge compares to other Frequent Flyer & Travel Credit Cards

Know better, choose better.

Compare all

Good

published
emaildebs
emaildebsAustralia
  • 3 reviews

Good

published

This card even by design speaks volumes about the card holders financial standing but I believe only to other cardholders that might see it as they understand the 'AMEX Hirachy'. Most retailers that do accept this card often comment on how 'pretty' the cards reflection is probably do not rate it as high as a gold card for example. Good that can talk to a customer service consultant and any issues or queries are dealt with very quickly. Very professional and quick service.
Preferential treatment and free travel insurance
Not recognised as a commonly used card as I believe a lot of retailers do not want to pay the higher transaction fee.

Bigmonster
BigmonsterSouth East Queensland, QLD
  • 15 reviews
  • 5 likes

Good

published

Overall the platium card has pretty good deal but only when you willing to pay for higher annual card fee. But I will still recommend people to use it as their customer service are professional and absolutely helpful.
Lower annual fee if you're a professional and it also comes with bonus point (40,000 point) and domestic/international compulmentary flight included.
AMEX provides great customer service and being very helpful with any issues you have. Their resolution team responds faily quickly and always try their best to satisfy your request.
Slow process time for bonus reward point and sometimes you'll need to follow up personally to get the correct reward point balance.

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