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American Express Platinum

American Express Platinum

2.8 from 51 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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  • 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


  • $1,450 Annual Fee

  • Minimum required income of $100,000


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
Additional Cardholders 4
Additional Cardholder Fee $0 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
Annual Fee$1,450 p.a.
Foreign Transaction Fee 3%
Overseas ATM Withdrawal Fee$1
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


  • Transparency
    4.0 (2)
  • Customer Service
    4.0 (2)
  • Rates and Fees
    2.5 (2)
  • Rewards
    2.5 (2)
  • Online Experience
    3.5 (2)
  • Application Process
    3.5 (2)

Card is great. Insurance from Chubb is worthless.


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
goonerdroidPerth, WA
  • 9 reviews

Benefits getting less and less....


I had this card for at least 8 years. This is used to be "the card" for me. It used to have an annual domestic return flight, now it only has $200 travel credit, with a $195 annual fee. Also, the conversion rate to airline points has been halved. The only reason I still reluctantly keep it is I'm still on the lower annual fee rate from a long time ago, plus it gives the most points from supermarket spending.

Customer Service
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The reviewer stated that an incentive was offered for this review

Good bonus points


Good card with bonus points but expensive annual fee. Point earn changes but relatively easy to collect these days with most merchants accepting amex. Ok benefits as well, overall not bad.

Customer Service
  • 2 reviews


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