The American Express Platinum Card
Offer Details
Signup Bonus
200,000 points
American Express
Minimum Spend
$5,000
within 3 months
Cash Bonus
Additional Cash Bonus
Offer Expires
August 25, 2026
in 3 months
Ongoing Earn Rate
2.25x points per $1 spent
Fees
First Year Annual Fee
$1,450
Ongoing Annual Fee
$1,450
From year 2 onwards
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefits
- Hotel Benefits
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Fine Hotels + Resorts program offering benefits valued at approximately USD$550 including guaranteed 4pm late checkout, room upgrades (subject to availability), daily breakfast for two, and a US$100 experience credit per stay at over 1,600 properties worldwide.
- Lounge AccessThe Centurion Lounge, Escape Lounges, Priority Pass, Plaza Premium, Delta Sky Club, Virgin Australia Domestic Lounges
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Access to 1,550+ airport lounges in 500+ airports across 140 countries via the American Express Global Lounge Collection, including The Centurion Lounge, Escape Lounges, Priority Pass Lounges, Plaza Premium Lounges, Delta Sky Club (when flying Delta) and Virgin Australia Domestic Lounges (when flying Virgin Australia). Access policy changes apply from 8 July 2026 (Centurion) and 1 October 2026 (Plaza Premium and Priority Pass).
- Concierge Service
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24/7 Platinum Card Services for emergency assistance, account balance, Membership Rewards point redemption and Additional Cards.
- Flight Discounts
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International Airline Program offers savings on First and Business Class airfares with leading airlines.
- Travel Credits
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$450 travel credit each year to spend on domestic or international travel when a booking of $450 or more is made on eligible flights, hotels or car hire with American Express Travel Online. Available to the Primary Platinum Card Member.
- Hotel Benefits
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Fine Hotels + Resorts: complimentary benefits averaging USD$550 total value at 1,800+ properties when booking via Fine Hotels + Resorts, including guaranteed 4pm late check-out, room upgrades (subject to availability), daily breakfast for two and a US$100 experience credit or amenity per stay.
- Rewards Program Elite Status
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Hotel Elite Status fast-tracking to higher tiers of leading hotel loyalty programs, including Hilton Honors Gold, Marriott Bonvoy Gold and Radisson Rewards Premium; plus ALL Accor Gold status with bonus 30 status nights via the included Accor Plus membership.
- Points Transfer Benefits
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Transfer Membership Rewards points to 10+ major partners across Airline, Hotel and Retail programs.
- Dining Benefits
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Up to $400 Global Dining Credit per redemption period at 2,000+ restaurants ($200 at participating restaurants in Australia and $200 at participating restaurants abroad). A one-time enrolment is required; benefit ends 31 December 2026.
- Subscription Benefits
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Complimentary digital subscription to The Australian Premium (including The Wall Street Journal access), available to Primary and Additional Platinum Card Members.
- Shopping Benefits
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Amex Offers provide account credits and bonus points from brands such as David Jones, Country Road, Ampol, Lululemon and Luxury Escapes; Shop Small offers reward spending at participating local businesses.
- Entertainment Benefits
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American Express Experiences program provides access to curated sporting, fashion and dining experiences via the Amex Experiences App; Langton's fine wine Client Services offers access to rare vintages plus a $50 welcome voucher when spending $240+ in a single transaction (one-time enrolment, benefit ends 30 June 2026).
- No Additional Cardholder Fee
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Add up to 4 Additional Cards for family and friends at no additional fee, with points earned credited to the account.
- Digital Wallet Integration
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Eligible for use with Apple Pay, Samsung Pay and Google Pay; if the Card is lost or stolen you can continue to pay with your smartphone while a replacement Card is delivered.
- Travel Insurance
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Complimentary domestic and international travel insurance for the Card Member, their partner and dependent children when the return trip is paid on the Card. Covers trip cancellation and amendment (up to $30,000), travel inconvenience, medical emergency expenses overseas (section limit unlimited), personal baggage/valuables/money (up to $30,000), personal accident, personal liability (up to $3,000,000) and more. Cover automatically ends at 180 days; maximum age 79 when travel is purchased; pre-existing medical conditions excluded.
- Transit Accident Insurance
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Public Transport Accident Cover pays up to $400,000 for accidental death or permanent disablement while travelling as a passenger on public transport during a covered trip.
- Purchase Protection Insurance
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Card Purchase Cover insures eligible items bought on the Card against theft or damage within 90 days of purchase, up to $3,500 per item and up to $30,000 in any 365-day period.
- Extended Warranty Insurance
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Buyer's Advantage Cover extends cover beyond the original Australian manufacturer's warranty (up to an extra 1 year), covering breakdown or defect of eligible items, up to $20,000 per item and per 365-day period.
- Mobile Phone Insurance
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Smartphone Screen Cover insures breakage of the front screen following accidental drop or impact, up to $500 per smartphone, for two eligible claims per 365-day period (10% repair-cost excess); requires the smartphone bought outright or 3 months of data plan paid on the Card.
- Rental Vehicle Insurance
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Loss Damage Waiver Cover insures loss or damage to a rental vehicle hired for less than 31 days and paid on the Card, up to $125,000; driver must be aged 21-79; motorcycles, campervans, buses and vehicles over $125,000 excluded.
Benefit history
- Dining BenefitsUpdated May 2026
- Travel CreditsUpdated May 2026
- Lounge AccessUpdated May 2026
- Rewards Program Elite StatusUpdated May 2026
- Points Transfer BenefitsUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Travel InsuranceUpdated May 2026
- Concierge ServiceUpdated May 2026
- Subscription BenefitsUpdated May 2026
- Hotel BenefitsUpdated May 2026
- Shopping BenefitsUpdated May 2026
- Entertainment BenefitsUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
I'd like to use my bonus for:
Craig's AnalysisBonus Difficulty
Moderate
●●○$56 per day required
First Year Cost
$1,450
annual fee
Earn Rate
Excellent
●●●●2.25x American Express points per $1
Travel Benefits
Lounge Access
Access to 1,400+ airport lounges in more than 140 countries, including The Centurion Lounge, Escape Lounges (Centurion Studio Partner), Priority Pass lounges, Plaza Premium Lounges, Delta Sky Club (when flying Delta) and Virgin Australia Domestic Lounges
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It is a Charge Card and you have to pay the balance in full every month.
- Expiration changed from 25/06/24 to 01/10/24, Bonus from 150K to 200K2 years ago
- Expiration changed from 09/04/24 to 25/06/24, Bonus from 200K to 150K, Second Year Bonus from NaN to 02 years ago
- Expiration changed from no expiration to 09/04/24, Bonus from 150K to 200K (thanks someone via chat!)2 years ago
- Bonus lowered from 200k to 150k3 years ago
- Bonus increased from 150k to 200k3 years ago
- $500 cashback removed, bonus reduced from 250k points to 150k points first year, 50k points second year.4 years ago
- Bonus increased from 150,000 first year, 50,000 second year to 250,000 first year and added $500 credit4 years ago
- Bonus reduced from 300,000 to 150,000 first year, 50,000 second year4 years ago