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The American Express Velocity Platinum Card

[Image: The American Express Velocity Platinum Card]

Earn Velocity Points on your every day spend.

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• *Terms And Conditions

New Card Member Offer

Limited Time Offer​

Receive 60,000 bonus Velocity Points

when you apply online by 12 August 2025, are approved, and spend $3,000 on eligible purchases on your new American Express Velocity Platinum Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.

Key Information

Card Type

Credit Card

Annual Fee

$440 p.a.

Interest Rate

23.99% p.a. on purchases

Interest Free Period

Up to 55 days

How You Earn Velocity Points

2.25 VELOCITY POINTS4 on eligible purchases within Virgin Australia4

2.25

VELOCITY POINTS4

on eligible purchases within Virgin Australia4

per $1 spent

1.25 VELOCITY POINTS4 on Card purchases, except spend at government bodies in Australia

1.25

VELOCITY POINTS4

on Card purchases, except spend at government bodies in Australia

per $1 spent

0.5 VELOCITY POINTS4 on purchases at government bodies in Australia4

0.5

VELOCITY POINTS4

on purchases at government bodies in Australia4

per $1 spent

Key Benefits

Complimentary Annual Domestic Flight

Enjoy a complimentary annual Virgin Australia return economy domestic flight between selected cities after your first Card spend each anniversary year.

Virgin Australia Lounge Access

Unwind in comfort with VA Lounge Access every time you fly domestically with Virgin Australia

Up to 100 Bonus Velocity Status Credits

Be awarded 50 Status Credits when you spend $25,000 on eligible purchases each Membership year and a further 50 Status Credits when you spend another $25,000 in the same Membership year.

All Benefits

• Velocity RewardsEnjoy uncapped points earning potential with no limit on how many Velocity Points you can earn.8
  Up to 100 Bonus Velocity Status Credits7
  Earn up to 100 Velocity Status Credits each year. Status Credits help you jump Velocity tier status and escape the crowds and skip the queues. Be awarded 50 Status Credits7 when you spend $25,000 on eligible purchases each Membership year and a further 50 Status Credits when you spend another $25,000 in the same Membership year.
  Additional Cards
  Earn points faster with up to 4 Additional Cards for family members or friends for no extra fee. All points earned will be credited to your Account9
• Travel BenefitsExplore the top travel perks you get as a Card Member and plan your next adventure.
  [Image: Travel Benefits]
  Complimentary annual domestic flight
  Receive an annual complimentary domestic economy return flight on Virgin Australia between selected cities, following your first Card spend each anniversary year5
  Virgin Australia Lounge Access
  Your American Express Velocity Platinum Card gives you access to Virgin Australia lounges at select domestic airports, every time you fly Virgin Australia domestically. Slip away from the crowds, sample an array of complimentary food and beverages, and take a load off before you take off. Enrolment in the VA Lounge Access6 benefit required.
  2 Virgin Australia Guest Lounge Passes
  Each Membership year receive 2 complimentary Virgin Australia Guest Lounge Passes10 to treat friends or family to VA Lounge access, when travelling with you on a domestic Virgin Australia flight.
  Complimentary Travel insurance
  Travel with domestic and international insurance11 for you, your partner and your dependent children, when you pay for your return trip on your Card. Some of the covers included are:

- Medical emergency expenses
- Public transport accident up to $400,000
- Trip cancellation and amendment up to $12,500
- Loss or damage to baggage, money or documents up to $10,000
- Travel inconvenience if your flight is delayed
- A range of cover for COVID-19

Sub-limits apply. Please refer to the ‘Schedule of Benefits’ section of the Insurance Terms and Conditions for full details.

Terms, conditions and exclusions apply (such as maximum age-limits, pre-existing medical conditions and cover limits).

• Service and ProtectionProtection when you need it most. Shop with confidence.
  [Image: Service and Protection]
  Travel and shop with confidence
  Be protected by the world-class service and protection of American Express with these benefits:
  • Card Purchase Cover11, covering eligible stolen or damaged items purchased with your Card
  • Card Refund Cover11, covering the cost of recent and unused purchases when a store refuses a return
  • Fraud Protection Guarantee12, protecting you from unauthorised charges made on your Account
  • Emergency Card replacement13, for lost or stolen Cards to virtually anywhere in the world
  • Plan It® is a feature on your American Express Credit Card that allows you to pay off eligible transactions over $100 or a portion of your balance in equal monthly instalments. Choose between 3, 6 and 12 month terms, with no interest and a fixed monthly fee14.
  • Compatibility with Apple Pay, Samsung Pay and Google Pay

Eligibility

To apply for The American Express Velocity Platinum Card you need to:

• Have no history of bad debt or payment default
• Be aged 18 years or over
• Be an Australian citizen, permanent resident or hold a long term visa
• Agree to a credit check as part of your application

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 to read the Key Facts Sheet for this Credit Card.

Important Information

• Velocity Points Terms and Conditions
• Insurance Terms and Conditions
• Velocity Platinum Card Benefit Terms and Conditions
• Card Terms & Conditions
• Target Market Determination

[Image: The American Express Velocity Platinum Card]

Ready to Apply?

Apply Now

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

The American Express Velocity Platinum Card

Cards are offered, issued and administered by American Express Australia Limited. Credit provided by American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence No. 291313. ®Registered Trademark of American Express Company.
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 1 May 2025 and are subject to change. Applicants must be 18 years of age or over to apply for the American Express Velocity Platinum 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.
To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, available here, as amended from time to time.

1. Bonus & Eligibility.
   Receive 60,000 bonus Velocity Points when you apply online by 12 August 2025, are approved, and spend $3,000 on eligible purchases on your new American Express Velocity Platinum Card within the first 3 months from the Card approval date. This offer is only available to new American Express Card Members. If you previously held a David Jones American Express Card and have not held any other American Express Card(s) in the past 18 months, you will be eligible for the offer. All other Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. 60,000 bonus Velocity Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. Velocity Points are earned in accordance with the American Express Velocity Cards Points Terms and Conditions available here and are subject to the Terms and Conditions of the Velocity Frequent Flyer program available here. $440 annual Card fee applies. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
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. Velocity Points
   As long as your Account remains current and in good standing and you must be a member of the Velocity Frequent Flyer program to earn and redeem Velocity Points. Velocity Points are earned in accordance with the American Express Velocity Cards Points Terms and Conditions available at americanexpress.com.au/VelocityPointsTerms ,and are subject to the Terms and Conditions of the Velocity Frequent Flyer program available at experience.velocityfrequentflyer.com/member-support/terms-conditions. Exclusions apply. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment fees, cash advances, balance transfers, fees for traveller’s cheques and foreign currency conversion. These do not earn Velocity Points. For the full list of exclusions, please refer to the American Express Velocity Cards Points Terms and Conditions. Certain transactions will earn 0.5 points per dollar with Merchants classified as; government, including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies. Industry specific earn rate may 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 local government bodies processed through payment aggregator may earn rates at the government earn rate. Velocity Points earned on Virgin Australia spend are only valid for purchases made in Australia.
5. Complimentary Flight.
   The complimentary domestic economy Virgin Australia return flight is only available between selected Australian cities and is available for booking by American Express Velocity Platinum Card Members after your first Card spend in the first year, and then after your first Card spend each year after the anniversary of your Membership. All flights are subject to availability and neither Virgin Australia nor American Express guarantees that seats or tickets will be available on the dates or at the times you may wish to fly. Seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. Some flights may not have any seats available for redemption. Route availability is subject to change without notice. All travel is subject to the American Express Velocity Platinum Card Benefits Terms and Conditions available here and travel is subject to Virgin Australia Conditions of Carriage available at Conditionsofcarriage/VirginAustralia.com..
6. Virgin Australia Lounge Access
   The American Express Velocity Platinum Card Virgin Australia Lounge Access is subject to the American Express Velocity Platinum Card Benefits Terms and Conditions. The Virgin Australia Lounge Access provides the Primary Card Member with access to Virgin Australia Lounges at Australian domestic airports whenever they are flying on a Virgin Australia operated domestic flight on the same day. American Express Velocity Platinum Primary Card Members will receive 12 months of Lounge Access on your Velocity membership. Enrol via your online American Express Account. This is your benefit anniversary date. After enrolling, activate the VA Lounge Access by making an Eligible Transaction on your American Express Velocity Platinum Card. Eligible Transaction does not include annual Card fees, cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. After 12 months, at each subsequent benefit anniversary, make an Eligible Transaction on your Velocity Platinum Card to reactivate the VA Lounge Access. Please allow up to 7 days for the benefit to be processed on to the Primary Card Member’s Velocity membership. The Primary Card Member must provide their Velocity Frequent Flyer membership details to Virgin Australia Lounge staff and present same day boarding pass on a Virgin Australia flight. Additional Card Members are not eligible. Virgin Australia Lounge Access is subject to space availability. Virgin Australia Lounge is owned and operated by Virgin Australia Airlines Pty. Ltd. in selected domestic airports in accordance with Virgin Australia Lounge Terms and Conditions, available at virginaustralia.com/lounge and as amended from time to time.
7. Bonus Velocity Status Credits.
   Velocity Frequent Flyer Status Credits are subject to the American Express Velocity Platinum Card Benefits Terms and Conditions. 50 Velocity Frequent Flyer Status Credits will be awarded when you spend $25,000 on Eligible Spend within your membership year, and a further 50 Status Credits when you spend another $25,000 on Eligible Spend within the same membership year. Membership year is defined as commencing upon Card activation and renews on the day of your Card activation each subsequent year. Eligible Spend does not include Card fees and charges, for example annual fees, interest, late or dishonoured payments, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Please allow up to 2 weeks after you meet the minimum spend requirement for the Status Credits to be credited to your Velocity account. In addition to Status Credits, Velocity members need to fly on Virgin Australia marketed flights to earn Eligible Sectors to upgrade or maintain a level of membership. To find out more about the Status Credit and Eligible Sector requirements for Velocity membership levels please visit velocityfrequentflyer.com/the-basics/status.
8. No Cap On Earn Rate.
   As long as your account remains current and in good standing.
9. 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.
10. Virgin Australia Guest Lounge Passes.
    Virgin Australia Guest Lounge Passes are subject to the American Express Velocity Platinum Card Benefits Terms and Conditions. Two single entry passes to the Virgin Australia lounge will be activated on the Primary Card Member’s Velocity Frequent Flyer membership account annually, on or after each anniversary of membership. Additional Card members are not eligible. Complimentary single entry Virgin Australia Guest Lounge Passes are not transferable, but may be used to enable other people (who are travelling with the Primary Card Member) to gain access to the lounge. The Virgin Australia lounge is operated by Virgin Australia Airlines Pty. Ltd. in selected domestic airports in accordance with the Virgin Australia Lounge Terms and Conditions, available at virginaustralia.com/lounge and as amended from time to time. Visit the Virgin Australia website for up-to-date information on Virgin Australia’s Lounge network.
11. Velocity Platinum 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 Velocity Platinum 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 Velocity Platinum Credit Card Insurance Terms and Conditions 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.
12. 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.
13. Emergency Card Replacement.
    If your Credit 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 are not liable for any unauthorised charges.
14. Plan It® Terms and Conditions.
    You can create an Instalment Plan as long as your account is in good standing. We may withdraw this offer, prevent you from creating any new Instalment Plans or cancel any of your existing Instalment Plan(s) at any time if your Card Account is overdue, or if you do not comply with your Card Conditions.

The minimum Plan amount is AUD$150. We may also limit the amount that can be transferred to an Instalment Plan.

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 disclosed to you at the time of creating your 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 may request to cancel your Instalment Plan(s) at any time through your Online Account or the Amex App. Any billed Monthly Plan Fees will remain payable, but no further Monthly Plan Fees will be billed after cancellation is effective. As cancellation can take 24-48 hours to process (“Processing Time”), you may be charged a further monthly plan fee after requesting cancellation if the Processing Time occurs on your payment date.

View the full Plan It® Instalment Terms and Conditions here.