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2. The American Express Platinum Edge Credit Card

# The American Express Platinum Edge Credit Card

Earn higher rewards on everyday spending at select supermarkets and petrol stations

[Apply Now](https://www.americanexpress.com/en-au/credit-cards/apply/personal/platinum-lifestyle?pct=3C8&mrsourcecode=B06PEFYF&intlink=en-au-amex-cardshop-details-apply-platinumEdgeCreditCard-side-rail)

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* Terms And Conditions

New Card Member Offer

### Enjoy $0 Annual Card Fee (usually $195) in the first year

when you apply online, and are approved. T&Cs apply. New American Express Card Members only. Offer subject to change without notice.

Key Information

Card Type

[Credit Card](https://www.americanexpress.com/au/credit-cards/)

Annual Fee

$0 Annual Card Fee in the first year, saving you $195

Interest Rate

23.99% p.a. on purchases

Interest Free Period

Up to 55 days

How To Earn Membership Rewards Points

* ###  
3 points per $1 spent at major supermarkets and petrol stations4  
## 3  
## points per $1 spent  
## at major supermarkets and petrol stations4
* ###  
2 points per $1 spent on purchases in a foreign currency when overseas and online4  
## 2  
## points per $1 spent  
## on purchases in a foreign currency when overseas and online4
* ###  
1 point per $1 spent on all other purchases4  
## 1  
## point per $1 spent  
## on all other purchases4

Key Benefits

$200 to spend on travel each year

Receive $200 to spend on eligible domestic and international flights, hotels or car hire with [American Express Travel](https://travel.americanexpress.com.au/apps/shopping/#/search/air)

Smartphone front screen cover

Covering up to $500 for repairs if you break your front screen when you pay for your phone outright or monthly bill with your American Express Platinum Edge Credit Card

Additional Cards at no extra cost

Share the benefits of Membership with up to 4 Additional Cards for family members or friends, at no extra fee

All Benefits

* RewardsGet more out of life and earn rewards along the way with the Membership Rewards® program.4  
How You Earn Membership Rewards Points  
Earn Membership Rewards points on every dollar you spend on your Card and see how quickly they can add up:  
   * Earn **3 points per $1** spent at major supermarkets including Woolworths, Coles, Harris Farm Markets, IGA, Bi-Lo, Macro Wholefoods, Safeway, Supabarn, Thomas Dux, Fishers, Food For Less, and Fresh Provisions4  
   * Earn **3 points per $1** at major petrol stations including Ampol, BP, Caltex Woolworths, Woolworths Petrol, 7 Eleven, Shell, Gull, Metro, Peak, Safeway Petrol, and United4  
   * Boost your points balance with Additional Cards for family and friends. Add up to 4 Cards at no additional fee, and the points earned will be credited to your Account7  
Choose Your Rewards  
You can redeem points several ways:  
   * Transfer your points to over 10 major partners across Airline8, Hotel & Retail.  
   * Book travel with points online at American Express Travel9  
   * Redeem points for Digital Gift Cards10 from leading retailers  
   * Use points to pay for eligible charges on your Account using Cover Charges with Points14
* Service and ProtectionProtection when you need it most. Shop with confidence.  
  
Shop and travel the world with confidence  
Shop and travel the world with confidence knowing that we have your back with these great benefits when you pay for eligible items with your Card:  
   * Buyer’s Advantage Cover6, extending the manufacturers' warranty on eligible items purchased with your Card by up to 12 months  
   * Card Purchase Cover6, covering eligible items purchased with your Card  
   * Card Refund Cover6, covering the cost of eligible items when a store refuses a return  
   * Fraud Protection Guarantee11, protecting you from unauthorised charges made on your Account  
   * Emergency Card replacement12, for lost or stolen Cards virtually anywhere in the world  
   * Compatibility with Apple Pay, Samsung Pay and Google Pay  
   * Plan It™ Instalments13 is a new feature of your Card that offers you a flexible way to pay off a portion your Credit Card balance in equal monthly instalments, with no interest and a fixed monthly fee.
* Travel BenefitsExplore the top travel perks you get as a Card Member and plan your next adventure.  
  

Complimentary Travel Insurance  
Travel with domestic and international insurance6 for you, your partner and your dependent children, when you pay for your return trip on your Card. Some of the covers included are:  
    
\- Trip Cancellation and Amendment Cover​  
\- Travel Inconvenience Cover​​  
\- Public Transport Accident Cover​​  
\- Personal Baggage, Valuables, Money and Travel Documents Cover​​  
\- Medical Emergency Expenses Cover​​  
\- Personal Accident Cover  
    
Sub-limits apply. Please refer to the ‘Schedule of Benefits’ section of the Insurance Terms and Conditions for full details.  
    
Terms, conditions, cover limits and exclusions apply (such as a maximum age limit of 79 when travel is purchased and a pre-existing medical condition(s) exclusion).

Eligibility

To apply for The Platinum Edge Credit Card you need to:

* Be aged 18 years or over
* Be an Australian citizen, permanent resident or hold a long term visa
* Have a good credit history and no payment defaults

Documentation

Documents and information to have ready:

* Australian Driver’s Licence number (if you have one)
* Details of your income, expenses and debts
* Proof of income (e.g. payslips)

Please click [here](https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au%5FKFS%5FProp.pdf) to read the Key Facts Sheet for this Credit Card.

Important Information

* [American Express Platinum Edge Credit Card Insurance Terms and Conditions](https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/cardmember/platinum-edge-card/Platinum%5FEdge%5FInsurance.pdf)
* [Membership Rewards Terms and Conditions](https://www.americanexpress.com/en-au/rewards/membership-rewards/terms)
* [Card Terms & Conditions](https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit%5FCard%5FConditions.pdf)
* [Target Market Determination](https://www.americanexpress.com/content/dam/amex/au/pdfs/credit-cards/TargetMarketDetermination%5FPlatinumEdge.pdf)

Applying takes less than 10 minutes, and you could receive a response within 60 seconds

[Apply Now](https://www.americanexpress.com/en-au/credit-cards/apply/personal/platinum-lifestyle?pct=3C8&mrsourcecode=B06PEFYF&intlink=en-au-amex-cardshop-details-apply-platinumEdgeCreditCard-banner)

# The American Express® Platinum Edge Credit Card

Cards are offered, issued, and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit Licence No. 291313.  
 American Express income and credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 6 November 2024 and are subject to change. Applicants must be 18 years of age or over to apply for the American Express Platinum Edge Credit Card. They must be an Australian Citizen or permanent resident or hold a long term visa. Long term means 12 months or more and does not include a student visa.

1. Bonus & Eligibility.  
Offer only available to new American Express Card Members who apply online, are approved. The American Express® Platinum Edge Credit Card will have a $0 introductory annual Card fee for the first year of Card Membership. All Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. Offer subject to change without notice.
2. Interest Rate.  
This interest rate does not apply for Cash Advances and associated fees.
3. Interest Free Period.  
You will have up to 55 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued.
4. Membership Rewards Program.  
Subject to the Terms and Conditions of the Membership Rewards program available [here](https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/). The following merchants have been classified as major supermarkets: Bi-Lo, Coles, Fishers, Food For Less, Fresh Provisions, Harris Farm Markets, IGA, Macro Wholefoods, Safeway, Supabarn, Thomas Dux, Woolworths. The following merchants have been classified as major petrol stations: Ampol, BP, Caltex, Gull, Metro, Peak, Safeway Petrol, Shell, United, Woolworths Petrol, 7 Eleven.  
Exceptions may apply if an individual merchant trading as one of the above named retailers does not accept American Express as a form of payment.  
Purchases at major supermarket & major petrol station retailers are only eligible for additional points if the transactions are made in Australia.  
Certain transactions will earn 2 points per dollar spent, including the use of foreign currency overseas and overseas online payments. Additional points for major supermakets, petrol stations and foreign currency may not apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to a major supermarket processed through a payment aggregator may not earn the additional points.
5. Travel Credit.  
If your Card has a Travel Credit benefit, the Primary Card Member is eligible for an annual Travel Credit, subject to the full Travel Credit Terms and Conditions at [amex.com.au/platinumedge-travelcreditterms](https://www.americanexpress.com/content/dam/amex/au/staticassets/text/platinum-edge-travel-credit/Travel-Credit-Conditions.pdf). The Travel Credit can be redeemed through [American Express Travel Online](https://travel.americanexpress.com.au/apps/shopping/#/search/air) on a single eligible travel booking by selecting the Travel Credit when you checkout. To redeem the Travel Credit, the full value of the Travel Credit (or more) must be charged to the eligible Primary Card. Eligible travel includes flights, hotels and car hire when you prepay in advance. The Travel Credit can be used for 365 days from the benefit anniversary date and cannot be used past the expiration date. To check the expiration date of your Travel Credit if you have not already redeemed it, please visit [americanexpress.com.au/travel](https://travel.americanexpress.com.au/apps/shopping/#/search/air); log in and click ‘Travel Credit’. If your booking is cancelled, and your Travel Credit has already been used and associated statement credit applied to your account, you will forfeit your annual Travel Credit benefit and American Express may reverse the statement credits issued. You need to be able to spend on the Card to access the Travel Credit benefit and it should be credited to your Card Account within 3 business days but may take up to 30 days. Your account must be in good standing and you must have paid the annual fee and minimum payment by the due date. If you cancel your Card, change your rewards program or Card type, you will no longer be eligible for the Travel Credit.
6. Platinum Edge Card Insurance.  
The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Platinum Edge Credit Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the [American Express Platinum Edge Credit Card Insurance Terms and Conditions](https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/cardmember/platinum-edge-card/Platinum%5FEdge%5FInsurance.pdf) and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
7. Additional Card Members.  
Additional Card Members must be 16 years of age or over. The Primary Card Member will be liable to pay for all transactions made by Additional Card Members. Earning of points is subject to the terms and conditions of the Rewards Program the Primary Card Member is actively enrolled. All points earned on Additional Card Member spend will go to the Primary Card Members Account. The Primary Card Member cannot add an Additional Card under their own name or email address and cannot add an Additional card under the name or email address of a previously approved Additional Card application on the Account.
8. Partner Programs.  
Subject to the Terms and Conditions of the Membership Rewards program available [here](https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/). To transfer Membership Rewards points into an airline rewards or frequent guest partner program, you must be a member of the partner program. Membership of the partner program is the Card Member's responsibility and is subject to the Terms and Conditions of the applicable program. A joining fee may apply.
9. American Express Travel Online:  
To earn or redeem Membership Rewards Points, Cards must be enrolled to the American Express Membership Rewards program, and your Card Account must be in good standing. To redeem Membership Rewards Points with American Express Travel Online, you need to have available limit on your Card for the full transaction amount of the booking. You will then receive a statement credit within 3 business days for your points redemption. If the credit isn’t on the same statement as the transaction, it should appear on your next statement. Please pay all amounts due each month. You will earn Membership Rewards Points on the full dollar amount charged to your Card. All bookings are subject to the terms and conditions of our [Membership Rewards Program](https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/cover-charges-with-points/).​
10. Gift Cards  
Please allow up to 10 days for the Gift Cards to be delivered. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details.
11. Fraud Protection Guarantee.  
Provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.
12. Emergency Card Replacement.  
If your Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687\. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you will not be liable for any unauthorised charges.
13. [Plan It](https://www.americanexpress.com/au/credit-cards/membership-benefits/plan-it)TM  
You can create an Instalment Plan as long as your account is in good standing. We may limit the amount that can be transferred to an Instalment Plan. Each Instalment Plan will begin from the date it is successfully created, as communicated to you in your Online Account. Payment of your first Monthly Instalment will be due in your next payment cycle. You will be charged a Monthly Plan Fee for each Instalment Plan created. This fee will be charged each month your Instalment Plan is active and will be notified to you before you create the Instalment Plan. View the full Plan It Instalments Terms and Conditions [here.](https://www.americanexpress.com/au/credit-cards/membership-benefits/plan-it/terms-and-conditions.html)
14. Cover Charges with Points  
For each successful transaction with Cover Charges with Points, points will be debited from your Membership Rewards account and a credit placed on your Card in line with the points chosen to be used for the Eligible Charge. A minimum of 1,000 Membership Rewards points is required to cover any eligible transaction with points. Any credit to your Card account cannot exceed the amount of the relevant Eligible Charges. A credit will appear on your statement identified as “Membership Rewards Credit”. Points will be debited immediately and the credit will take up to 3 business days to appear online. Credits processed after the Card account’s statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card account by the due date. Any charges covered by points is not redeemable for cash via Credit balance refund. American Express will select and display each eligible charge that can be covered with points (“Eligible Charge”) and the points rate required to cover the Eligible Charge. Each Eligible Charge must: (a) appear within the Online Statement of the Summary of Accounts page; (b) be redeemed within 2 months of the charge appearing on your Card account; (c) not currently or have previously been disputed; and (d) not be a fee. Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any time without notice. Eligible transactions can be covered by points via your online account or American Express mobile app. Covering charges with points is available only to Basic Cardmembers enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing. For more information on Cover Charges with Points [click here.](https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/cover-charges-with-points/).