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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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  • $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


  • Transparency
    5.0 (1)
  • Customer Service
    5.0 (1)
  • Rates and Fees
    4.0 (1)
  • Online Experience
    5.0 (1)
  • Application Process
    5.0 (1)
  • 18 reviews

Disappointed with the reduction of reward points

Customer Service
Magic Pudding
Magic Pudding
  • 3 reviews

Engine Failure on Free Flight Offer

Magic Pudding
Magic Pudding
Grant S
Grant S
  • 3 reviews

Free Flight - Limitations


I have used this card for several years and find it very suitable. The only negative is with the 'free flight'. This is limited to major city departure points. I have two regional airports, Newcastle and Port Macquarie both serviced by Virgin however I cannot fly out of them. I can book a flight from Brisbane to Newcastle return, but I cannot book a flight from Newcastle to Brisbane return - seems Irish to me. So rather than give the flights away each year, I am giving the card away. i have raised the issue with them, however there appears to be no flexibility with it.

  • 3 reviews


Frequent Flyer & Travel Credit Cards

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  • 17 reviews
  • 1 like



Overall I think American Express offer a great service and have a very good acceptance rate when compared to some other cards.
Being a platinum card credit card it came with a number of additional features like a American Express personal asistant to help purchase unsual things or to help when you find yourself stuck. The rewards program offers is terrific in a dollar per point and points per reward. They also send a travellers magazine which is informative and tempting.
Interest Rate if you don't pay the full balance.
The merchant fees for American Express are higher then some other cards.

simonebbMelbourne, Victoria
  • 7 reviews



Think this is a great card if you use it wisley. Offers good perks but only good if you utilise them. American Express great for customer service.
Get free domestic trip per year, travel insurance and other perks. Competative interest rate, great customer service, great points system
A lot of retailers do not take amex and annual fee high

  • 63 reviews



It is great I wish that they offered a cheaper annual fee because that really lets this card down. The rewards program is very good they give you about an extra half point per dollar than other cards.
It comes with a free flight Australia wide and it is very upperclass, the limit is very high which means that you will be able to spend up big.
The annual fee is about tripple of it's competitors prices which makes is hard to justify spending $300 + a year for the right to spend money that you are going to pay fees on.

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