2 photos
American Express Platinum

American Express Platinum

2.8 from 53 reviews · View Statistics
See the Best Frequent Flyer & Travel Credit Cards in 2022 as rated by Australians on ProductReview.com.au.
Brand Manager for American Express? Register now and take advantage of ProductReview's Brand Management Platform!

Pros

Up to 200,000 bonus Membership Points on offer (see Details)
No pre-set spending limit
Card is made of metal
2.25 Membership Rewards points per $1 spent

Cons

$1,450 Annual Fee
Minimum required income of $100,000

Details

CategoryFrequent Flyer & Travel Credit Cards and Rewards Credit Cards
Card TypeAmerican Express
BenefitsComplimentary Travel Insurance, Sign-Up Bonus Points Offer and Travel Credit
Minimum Income $100,000.00
Additional Cardholders 4
Additional Cardholder Fee $0.00 p.a.
Minimum Repayments100%
Rewards ProgramAmerican Express Membership Rewards
Points Earn Rate 2.25 points per $1
Points Conditions
  • 2.25 points per $1 spent on all purchases except government bodies in Australia

  • 1 point per $1 spent with government bodies in Australia

There is no cap on earn rate.

Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Rates & Fees
Late Payment Fee$6.00
Annual Fee$1,450.00 p.a.
Foreign Transaction Fee 3%
Overseas ATM Withdrawal Fee$1.25
Interest Free Period 44 days
Introductory Offers
Sign-Up Bonus

Receive 150,000 Membership Rewards points when you spend $3,000 in the first 3 months, plus an addition 50,000 points in Year 2 upon fee renewal.

Introductory Offers
  • Receive a $450 travel credit that can be used on eligible flights, hotels, car hire or unique experiences.
  • Complimentary access for you and a guest to over 1,200 Airport lounges across 130 countries and counting.
Visit official website

Reviews

  • Transparency
    2.6 (29)
  • Customer Service
    2.8 (29)
  • Rates and Fees
    2.1 (28)
  • Rewards
    2.7 (26)
  • Online Experience
    2.9 (28)
  • Application Process
    3.4 (20)
Previous
Clear all
Next
PennyC
PennyCIllawarra, NSW
  • 3 reviews

Dishonest dealings and threatening behaviour

published

I had an AMEX card for many years and was a loyal customer. When lockdown occurred, I asked for a payment pause because I had no work, which they granted. I received harassing phone calls, several times a week, letters of final demand, and a letter to appear in court for my missed payments during the 'pause'. Then they advised the credit rating company that I had missed payments and when I rang them to enquire about this mix up they told me "it was their legal obligation to report it". Even though I had a payment pause. They lied and discredited me because I left them. The Ombudsman looks very good right now.

Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!
KRC
KRCSydney, NSW
  • 2 reviews

The Card that you can not make payments to easily as can only handle one payment every 72 hours.

published
Transparency
2/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!
David
DavidMelbourne
  • 16 reviews
  • 11 likes

Lots of Promise, No Value

published
Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!
Graham
Graham Sydney, NSW

AFR removed after 6 months

published
Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!
Frequent Flyer & Travel Credit Cards

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

Know better, choose better.

Compare all

Card is great. Insurance from Chubb is worthless.

published

American Express are great and the features of the card are fantastic. The travel insurance from Chubb is a joke though. I had to make a claim against the policy and even Amex were stunned by their Houdini-like antics to get out of their responsibility.

Incentivised Review No
Similar opinion? Write a review on ProductReview.com.au!
Marcspix
MarcspixSydney, NSW
  • 7 reviews
  • 15 likes

Horrible!

published

Travel Credit that expires 31st March 2021?? Of course! Amex is a joke! Take your money with offers then don't honour your $450 yearly fee! Of course no one wants to use Amex!! No Integrity!

Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!
brokingassociates
brokingassociatesSouth East Queensland, QLD
  • 9 reviews
  • 3 likes

Waste of Money AVOID at all costs. Pathetic service.

published

Absolutely ABYSMAL service. All off shore one person not capable of addressing issues. Poorly trained staff. Enquiry Passed on & on from one to another.
AMEX cards are Rarely accepted by vendors and they charge extra to use. Which more than offsets THE points benefits.
Points system is a SCAM, they charge an annual fee on top of the card fee. Points are pretty much worthless.
It would appear they sell your data.
Pleanty of card providers out there. AMEX days are numbered.
AVOID AT ALL COSTS

Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!

Related Articles

Previous
How to get in front of credit card debt with a credit card balance transfer.

Credit card balance transfers are becoming an increasingly popular way for people with growing credit card debts to manage their finances. But are they really a magic bullet? We're going to look at the ins and outs of credit balance transfers, so you can find the best way to manage credit card debt and get your finances back in the black.

Nathan S.
Nathan S.12 Nov 2019
how-to-get-in-front-of-credit-card-debt-with-a-credit-card-balance-transfer
Super Funds Awards 2020!

A good super fund can make a substanial difference to the amount you retire with. From retail super funds to self managed super funds, view reviewer ratings for the top-rated super funds of 2022.

Wendy Z.
Wendy Z.12 Jan 2022
super-funds-awards-2020
Credit Card Awards 2020

Whether it's the sign up bonus, rates and fees, or reliable customer service that you look for in a credit card, a credit card is often used everyday, so it's important you choose one that meets your needs and that you're happy with. These are the top-rated credit cards this year, as decided by ProductReview.com.au reviewers.

Wendy Z.
Wendy Z.19 Nov 2019
credit-card-awards-2020
Next
CamoDuck
CamoDuckSouth East Queensland, QLD
  • 2 reviews
  • 1 like

Benefits not worth the expensive annual fee

published
Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!

The benefits are good in theory

published
Transparency
1/5
Customer Service
5/5
Similar opinion? Write a review on ProductReview.com.au!
Frequent Flyer & Travel Credit Cards

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

Know better, choose better.

Compare all
John
John
  • 2 reviews
  • 1 like

Shocking service with Amex travel actually provide by Expedia!!

published
Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!
seb
sebSydney, NSW
  • 4 reviews
  • 3 likes

Bye Bye !!

published

Because Amex declined my chargeback request for outstanding monies that my travel agent refused to refund on a trip my wife & i couldn't take this year ..They've just lost a customer who spends 50K a year on his platinum.
How dumb can some companies be !!!

Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!
Mgas
MgasSydney, NSW
  • 9 reviews
  • 2 likes

This card is fantastic

published

The customer service on this card is excellent. Any time you need to contact the call centre they are knowledgeable and helpful. The annual fee is on the high side but worth it for the savings in travel insurances and extended warranties.

Transparency
5/5
Customer Service
5/5
Similar opinion? Write a review on ProductReview.com.au!
Frequent Flyer & Travel Credit Cards

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

Know better, choose better.

Compare all
Paul. S
Paul. SMetropolitan Adelaide, SA
  • 3 reviews
  • 2 likes

If you travel a lot its a fantastic card to have.

published
Transparency
5/5
Customer Service
5/5
Similar opinion? Write a review on ProductReview.com.au!
Byron M.
Byron M.Hunter Region, NSW

pathetic customer service.

published

Their customer service is essentially non existent.
Don't fool yourself to think the travel insurance is helpful.
I see absolutely no value in any product provided by AMEX and will gladly not be using them in the future.

Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!
Aussiebloke34
Aussiebloke34Perth, WA
  • 49 reviews
  • 63 likes

Three times the annual fee of the same card in America

published

Company is ripping Australians off charging $1450, vs $550 for exactly the same thing (actually technically we get less, being less offers etc we can use) so that is almost 3 times the annual fee for less beniefts.

Again another company ripping Australians off.

Incentivised Review No
Similar opinion? Write a review on ProductReview.com.au!
Page 1 of 2

Questions & Answers

Sorry, there are no questions yet.

Get an answer from our members

ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.