The American Express Platinum Card Targeted Offer

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1. [All Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/)  axp-icon-right
2. The American Express Platinum Card

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[The American Express Platinum Edge Credit Card](https://www.americanexpress.com/en-au/credit-cards/platinum-edge-credit-card/?linknav=en-au-amex-cardshop-details-browse-platinumEdgeCreditCard)[The American Express Explorer Credit Card](https://www.americanexpress.com/en-au/credit-cards/explorer-credit-card/?linknav=en-au-amex-cardshop-details-browse-explorerCreditCard)[The American Express Platinum Card](https://www.americanexpress.com/en-au/credit-cards/the-platinum-card/?linknav=en-au-amex-cardshop-details-browse-platinumCard)[The Qantas American Express Ultimate Card](https://www.americanexpress.com/en-au/credit-cards/qantas-ultimate-card/?linknav=en-au-amex-cardshop-details-browse-qantasUltimateCard)[The Qantas American Express Premium Card](https://www.americanexpress.com/en-au/credit-cards/qantas-premium-card/?linknav=en-au-amex-cardshop-details-browse-qantasPremiumCard)[The American Express Velocity Platinum Card](https://www.americanexpress.com/en-au/credit-cards/velocity-platinum-card/?linknav=en-au-amex-cardshop-details-browse-velocityPlatinumCard)[The Qantas American Express Discovery Card](https://www.americanexpress.com/en-au/credit-cards/qantas-discovery-card/?linknav=en-au-amex-cardshop-details-browse-qantasDiscoveryCard)[The American Express Essential Rewards Credit Card](https://www.americanexpress.com/en-au/credit-cards/essential-rewards-credit-card/?linknav=en-au-amex-cardshop-details-browse-essentialRewardsCreditCard)[The American Express Velocity Escape Plus Card](https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/?linknav=en-au-amex-cardshop-details-browse-velocityEscapePlusCard)[The Low Rate Credit Card from American Express](https://www.americanexpress.com/en-au/credit-cards/low-rate-credit-card/?linknav=en-au-amex-cardshop-details-browse-lowRateCreditCard)[The American Express Qantas Business Rewards Card](https://www.americanexpress.com/en-au/credit-cards/qantas-business-rewards-card/?linknav=en-au-amex-cardshop-details-browse-qantasBusinessRewardsCard)[The American Express Business Gold Plus Card](https://www.americanexpress.com/en-au/credit-cards/business-gold-plus-card/?linknav=en-au-amex-cardshop-details-browse-businessGoldPlusCard)[The American Express Platinum Business Card](https://www.americanexpress.com/en-au/credit-cards/platinum-business-card/?linknav=en-au-amex-cardshop-details-browse-platinumbusinessCard)[The American Express Velocity Business Card](https://www.americanexpress.com/en-au/credit-cards/velocity-business-card/?linknav=en-au-amex-cardshop-details-browse-velocityBusinessCard)

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# The American Express Platinum Card

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The Card designed for those who enjoy the little luxuries

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[Apply Now](https://www.americanexpress.com/en-au/charge-cards/apply/personal/platinum?pct=2VD&mrsourcecode=B08Z225K&intlink=en-au-amex-cardshop-details-apply-platinumCard-side-rail)

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Compare Card

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* Terms And Conditions

New Card Member Offer

 Personalised Offer 

### Receive 225,000 Bonus Membership Rewards Points

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How You Earn Membership Rewards Points

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2.25 points per $1 spent on purchases excluding government bodies in Australia4  

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## on purchases excluding government bodies in Australia4

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1 point per $1 spent on purchases at government bodies in Australia4  

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## on purchases at government bodies in Australia4

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Access to 1,500+ Airport Lounges

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Access 1,550+ Airport Lounges in more than 140 countries, including the Centurion Lounge, Escape Lounges - The Centurion Studio Partner, Priority Pass Lounges and more

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All Benefits

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* RewardsGet more out of life and earn rewards along the way with the Membership Rewards® program.4  
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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 **2.25 points per $1** spent on purchases excluding government bodies in Australia4  
   * Earn **1 point per $1** spent on purchases at government bodies in Australia4  
   * **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 Account22  
Choose Your Rewards  
You can redeem points several ways:  
   * Transfer your points to over 10 major partners across Airline8, Hotel & Retail.  
   * **Other ways to use your Points**  
   Book travel with points online at American Express Travel24  
   Use points to pay for eligible charges on your Account using Cover Charges with Points10  
   Redeem points for Digital Gift Cards11 from leading retailers
* Shopping and EntertainmentEnjoy exclusive offers at your favorite stores available to American Express Card Members.  
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Up to $400 Global Dining Credit  
Dine out on Platinum with up to $400 to spend per redemption period at over 2,000 hand-picked restaurants. That’s up to $200 to spend at participating restaurants in Australia and up to $200 to spend at participating restaurants abroad. Terms, conditions, and exclusions apply. A separate one-time enrolment is required. Benefit ends 31 December 2026.12  
_The Australian_ Premium Subscription  
_The Australian_ Premium subscription gives you access to _The Australian_’s news coverage and analysis from here and around the world across all your devices as well as access to The Wall Street Journal. In addition, you will have access to exclusive member-only features including a weekly curated eNewsletter featuring a selection of the best reads from _The Australian_ and global news partners including The Times of London and Harvard Business Review, as well as The Australian annual event featuring some of _The Australian_’s most experienced political and business journalists. The complimentary digital subscription to The Australian Premium is available to Primary and Additional Platinum Card Members.13  
Langton's  
Both Primary and Additional Platinum Card Members can unlock a range of benefits with Australia’s premier fine wine destination, Langton's14. Gain access to Langton's Client Services, a complimentary service granting you exclusive access to hard-to-find vintages, pre-release wines and experiences as well as personalised recommendations and advice. You will also receive a $50 welcome voucher when you spend $240 or more in a single transaction for newly enrolled Card Members using Langton's Client Services for the first time. Terms, conditions and exclusions apply. A one-time enrolment is required. Benefit ends on 30 June 2026.  
Amex Offers  
Whether it's shopping, dining, travel or entertainment there's an Amex Offer with your name on it.  
From credits on your Account to bonus points, our eligible Card Members15 are offered opportunities to be rewarded in many ways, just by using their Card.  
 As a Card Member, you will receive exciting offers from brands like David Jones, Country Road, Ampol, Lululemon, La Mer, Kogan, Luxury Escapes and Liquorland, to name a few.  
Shop Small  
Support your favorite local businesses through our Shop Small movement and get rewarded.  
As a Card Member, you will receive special offers to help make your local community even stronger.  
The American Express Experiences program  
The American Express Experiences program16 provides Platinum Card Members with access to specially curated experiences that are not open to the general public – from sporting to fashion and dining.  
Experiences on Tap  
The Amex Experiences App gives you unrivalled access to Platinum benefits, restaurants, travel, events and exclusive Card Member offers.
* Platinum Travel BenefitsExplore the world with rewards, premium benefits, and complimentary airport lounge access.  
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Complimentary ALL Accor+ Explorer Membership valued at $349 p.a.21  
   * Enjoy two ‘Stay Plus’ complimentary nights stay (each complimentary night must be booked in conjunction with a paid night) at over 1,300 participating hotels in Asia Pacific.  
   * 30% off dining, for up to 10 guests at over 1,600 participating restaurants.  
   * 15% off drinks in Asia Pacific.  
   * ALL Accor Gold status with bonus 30 status nights  
Comprehensive Travel Insurance  
Travel with domestic and international insurance17 for you, your partner and your dependent children, when you pay for your return trip on your Card. Some of the covers included are:  
    

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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).  
Access over 1,550 Airport Lounges worldwide  
You'll have access to over 1,550 airport lounges in over 500 airports across 140 countries and counting6, thanks to The American Express Global Lounge CollectionTM. Platinum Primary Card Membership includes access to The Centurion® Lounge, Escape Lounges - The Centurion® Studio Partner, Priority PassTM Lounges, Plaza Premium Lounges, Delta Sky Club® Lounges (when flying Delta) and Virgin Australia Domestic Lounges (when flying Virgin Australia).  
Fine Hotels + Resorts program  
Receive a complimentary suite of benefits which offer an average total value of USD$550 at over 1,600 extraordinary properties worldwide when you book with Fine Hotels + Resorts18. Complimentary benefits include guaranteed 4pm late check-out, room upgrades (subject to availability), daily breakfast for two, or a complimentary amenity valued at US$100 experience credit per stay, unique to each property.​  
Hotel Elite Status  
With Hotel Elite Status, you’ll be fast-tracked to the higher tiers of leading hotel loyalty programs around the world, without having to fulfil the usual qualifying criteria like numerous night stays each year. Partners include Hilton Honors Gold status8 and Marriott BonvoyTM Gold status9 and Radisson Rewards Premium status20.  
International Airline Program  
Our International Airline Program19 offers savings on First and Business Class airfares with some of the world’s leading airlines.
* Service and ProtectionProtection when you need it most. Shop with confidence.  
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24/7 Platinum Card Services  
Platinum Card Services provides 24/7 help whether you need emergency assistance, your account balance, redemption on Membership Rewards points or Additional Cards22  
Shop with confidence  
   * Buyer’s Advantage Cover17, extends your manufacturer's warranty by up to 12 months on eligible items purchased with your Card  
   * Card Purchase Cover17, will keep your protected with cover should your eligible items be stolen or damaged  
   * Card Refund Cover17, is also available should a store refuse to accept the return of an eligible item  
   * Fraud Protection Guarantee23 means you won't be held responsible for any unauthorised charges made without your knowledge  
   * This Platinum Card is also eligible for use with Apple Pay, Samsung Pay and Google Pay™ and if your Card is lost or stolen, notify us and you can continue to pay with your smartphone while your replacement Card is being delivered.

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Eligibility

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* Be an Australian citizen, permanent resident or hold a long term visa

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Documentation

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Important Information

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

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[Apply Now](https://www.americanexpress.com/en-au/charge-cards/apply/personal/platinum?pct=2VD&mrsourcecode=B08Z225K&intlink=en-au-amex-cardshop-details-apply-platinumCard-banner)

# The American Express® Platinum Card

American Express income and credit approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information, including fees and charges are correct as at 26 June 2024 and are subject to change. Applicants must be 18 years of age or over to apply for the American Express Platinum 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.  
225,000 Bonus Membership Rewards® Points is only available to new American Express® Card Members who apply online, are approved and spend $5,000 or more on eligible purchases on the new Card in the first 3 months from the Card approval date. 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. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18-month period are ineligible for this offer. 225,000 Membership Rewards Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. Subject to the Terms and Conditions of the Membership Rewards Program available at [americanexpress.com/en-au/rewards/membership-rewards/terms](https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/). This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. The American Express Platinum Card has an annual fee of $1,450\. Offer subject to change without notice.  
    
When you visit our website from any device we collect information about your use of this site, such as information about the device or browser you use to access the site, the way you interact with this site, your general location and your device's IP address. By collecting this information we have been able to give you a personalised offer. Please note that this offer is correct at the time of viewing, but may not be available or change if you return later to this webpage. Whilst this offer may disappear, taking out credit should be considered carefully. Please do not rush your decision.
2. Cash Flow Days.  
Cash flow days depend on your method of payment, when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your Account from your previous statement period. If you pay by direct debit, your payment will be processed 10 days after your statement has been issued.
3. Flexible Spending Power:  
Unless we tell you otherwise, your American Express Charge Card comes with flexible spending power, also known as no pre-set spending limit. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your personal credit rating and other factors. The way you use your Card can help your spending power grow, particularly in the first few months. To help maximise your spending power, you can make regular transactions and don’t miss any payments.
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/). You will earn 1 point per dollar spent with Merchants classified as 'government', including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies, including where you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant.
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/platinumtravelcreditterms](https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/TravelCreditTerms.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. The American Express Global Lounge Collection.  
   * **The Centurion® Lounge:** Platinum Card Members have complimentary access to all locations of The Centurion Lounge. Gold Card and Green Card Additional Cards on your Platinum account are not eligible for complimentary access. Card Members may bring up to two (2) companions into The Centurion Lounge locations in the U.S. and select international locations as set forth on the Centurion Lounge website at thecenturionlounge.com (the “Centurion Lounge Website”). Guest access policies (including, but not limited to, guest fees and number of complimentary guests per visit) applicable to international locations of The Centurion Lounge may vary by location and are subject to change. Visit the Centurion Lounge Website to learn more about lounge locations and guest access policies applicable to international Centurion Lounge locations. For more information on the Australian Lounges access, visit [americanexpress.com.au/airportlounge](http://www.americanexpress.com.au/airportlounge). All access to The Centurion Lounge is subject to space availability. To access The Centurion Lounge, Platinum Card Members must arrive within 3 hours of their departing flight (during a layover Platinum Card Members may enter The Centurion Lounge in the connecting airport at any time) and present The Centurion Lounge agent with the following upon each visit: their valid Platinum Card, a boarding pass showing a confirmed reservation for a departing flight on the same day on any carrier and a government-issued I.D. Note that select lounges allow access to Card Members with a confirmed reservation for any same-day travel (departure or arrival). Refer to the specific location’s access policy for more information. Failure to present the above documentation may result in access being denied. Card Members must be at least 18 years of age to enter without a parent or legal guardian. All Centurion Lounge visitors must be of legal drinking age in the jurisdiction where the Lounge is located to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behaviour or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Soliciting other Card Members for access into our lounge is not permissible. Hours may vary by location and are subject to change. Amenities vary among The Centurion Lounge locations and are subject to change. Card Members will not be compensated for changes in locations, rates or policies. In addition to the complimentary services and amenities in the Lounge, certain services, products or amenities may be offered for sale. You are responsible for any purchases and/or servicing charges you make in The Centurion Lounge or authorise our Member Services Professionals to make on your behalf. Services available at the Member Services Desk are based on the type of American Express Card used to enter the Lounge. American Express will not be liable for any articles lost or stolen or damages suffered by visitors to The Centurion Lounge. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with lounge access in any way or that you intend to do so, we may remove access to The Centurion Lounge from the Account. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice.  
   * **Escape Lounges – The Centurion® Studio Partner:** This benefit is available to Platinum Card Members. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Card Members receive complimentary access to all US locations of the Escape Lounges. Card Members may enter with up to two complimentary guests. Card Member must present his or her valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. Card Member must be at least 18 years of age to enter without a parent or legal guardian. All Escape Lounge visitors must be of legal drinking age in the jurisdiction where the Lounge is located to consume alcoholic beverages. Please drink responsibly. Card Member must adhere to all house rules of participating lounges. Card Members and their guests will receive all of the complimentary benefits and amenities afforded to the Escape Lounge customers, including access to purchase non-complimentary items. Some product features may be subject to additional charges. Escape Lounge locations are subject to change. Additional restrictions may apply.  
   * **Delta Sky Club:**  
   **Effective January 1, 2024:** Eligible Card Members travelling on a same-day Delta-operated flight with Basic Economy (E) fare tickets will not have access to the Delta Sky Club or to Grab and Go.  
   This benefit is available to the Platinum Card Members. Platinum Card Members must present their valid American Express Card, government-issued I.D., and boarding pass to the Delta Sky Club ambassador. Boarding pass must show a reservation for a same-day Delta-operated flight (Delta or Delta connection) departing from or arriving at the airport in which the Delta Sky Club is located. Name on boarding pass must match name on the Card. Eligible Platinum Card Members on departing flights can only access the Delta Sky Club within three hours of their flight's scheduled departure time. During a connection between Delta-operated flights on the same ticket, you may use the Delta Sky Club in your connecting airport at any time during the layover. Delta reserves the right to limit access for non-revenue flyers at any Delta Sky Club. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Access to Delta Sky Club partner lounges is not permitted. Individuals must be at least 18 years of age to access Delta Sky Club, and 21 years of age to access locations with a self-service bar, unless accompanied by a responsible, supervising adult who has access to the lounge. Eligible Card Members must adhere to all Delta Sky Club House Rules while accessing participating airport clubs. Participating airport clubs and locations subject to change without notice. Eligible Platinum Card Members may bring guests into the Delta Sky Club subject to the most current Delta Sky Club access and pricing policies, and must use their valid Platinum Card as the payment method for guest access. Guests must also be flying on a same-day Delta-operated flight. Guest access and fees subject to terms and conditions of participating airport clubs.  
    For the most current Delta Sky Club access and pricing policy, please visit [delta.com/skyclub.](https://www.delta.com/us/en/delta-sky-club/overview) All Delta Sky Club rules apply to Delta Sky Club membership and use. To review the rules, please visit [delta.com/skyclub.](https://www.delta.com/us/en/delta-sky-club/overview)  
   * **Plaza Premium Lounges:** This benefit is available to Platinum Card Members. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Card Members receive complimentary access to any global location of Plaza Premium Lounges. Card Member must present their valid Card, a confirmed boarding pass for same-day travel on any carrier and government-issued I.D. In some cases, Card Member must be 21 years of age to enter without a parent or guardian. Card Members may bring up to two (2) guests into Plaza Premium Lounges as complimentary guests. Card Member must adhere to all house rules of participating lounges. Card Members and their guests will receive all of the complimentary benefits and amenities afforded to the Plaza Premium Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Plaza Premium Lounge locations are subject to change.  
   * **Virgin Australia** This benefit is available to Primary Platinum Card Members. Access is complimentary for Primary Platinum Card Members and one complimentary guest only. The Primary Platinum Card Member and guest must be travelling with Virgin Australia domestically on the same Virgin Australia flight. Access is to Virgin Australia-branded lounges at their city of departure in Australia only. The Platinum Card Member must present their valid Physical Platinum Card and same-day boarding pass to Virgin Australia lounge agents and the name on the boarding pass must match the name on the Platinum Card. The guest must also present their boarding pass. One guest per Primary Platinum Card Member permitted. All access is subject to space availability. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. This benefit is subject to change.  
   * **Priority Pass™ \- Platinum Personal Charge Card.**  This benefit is available to Platinum Personal Charge Card Members. Platinum Card Members and one Additional Platinum Card Member as nominated by the Primary Card Member may enrol in the Priority Pass™ program. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Priority Pass is an independent airport lounge access program. You acknowledge and agree that American Express will verify your Card Account number and provide updated Card Account information to Priority Pass. Priority Pass will use this information to fulfill on the Priority Pass program and may use this information for marketing related to the program. Once enrolled, Platinum Card Members whose Card Account is not cancelled may access participating Priority Pass lounges by presenting your Priority Pass card and airline boarding pass. If the Card Account is cancelled, you will not be eligible for Priority Pass and your enrolment will be cancelled. At any visit to a Priority Pass lounge that admits guests, you may bring in 1 guest for no charge. You will be charged the prevailing retail rate for any additional guests. Some lounges do not admit guests. In some lounges, Priority Pass member must be 21 years of age to enter without a parent or guardian. Priority Pass members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package, and can be viewed at [prioritypass.com.](http://www.prioritypass.com/) Upon receipt of your enrolment information, Priority Pass will send your Priority Pass card and membership package which you should receive within 10-14 business days. If you have not received the Priority Pass card after 14 days, please contact American Express using the number on the back of your American Express® Card. To receive immediate access to the lounges after enrolling in Priority Pass, you can activate your membership online by using your Priority Pass membership details to receive a Digital Membership Card. For a step-by-step guide on the activation process, visit [prioritypass.com/activation](https://www.prioritypass.com/activation).  
   * **Priority Pass™ \- Platinum Business and Corporate Charge Cards.** This benefit is available to Platinum Business and Corporate Charge Card Members. Platinum Card Members and one Employee Platinum Card Member as nominated by the Primary Card Member may enrol in the Priority Pass™ program. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Priority Pass is an independent airport lounge access program. You acknowledge and agree that American Express will verify your Card Account number and provide updated Card Account information to Priority Pass. Priority Pass will use this information to fulfill on the Priority Pass program and may use this information for marketing related to the program. Once enrolled, Platinum Card Members whose Card Account is not cancelled may access participating Priority Pass lounges by presenting your Priority Pass card and airline boarding pass. If the Card Account is cancelled, you will not be eligible for Priority Pass and your enrolment will be cancelled. At any visit to a Priority Pass lounge that admits guests, you will be charged the prevailing retail rate for any guests. Some lounges do not admit guests. In some lounges, Priority Pass member must be 21 years of age to enter without a parent or guardian. Priority Pass members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package, and can be viewed at [prioritypass.com.](http://www.prioritypass.com/) Upon receipt of your enrolment information, Priority Pass will send your Priority Pass card and membership package which you should receive within 10-14 business days. If you have not received the Priority Pass card after 14 days, please contact American Express using the number on the back of your American Express® Card. To receive immediate access to the lounges after enrolling in Priority Pass, you can activate your membership online by using your Priority Pass membership details to receive a Digital Membership Card. For a step-by-step guide on the activation process, visit [prioritypass.com/activation](https://www.prioritypass.com/activation).  
   * **Lufthansa:** This benefit is available to Platinum Card Members. Additional Gold Cards and Additional Green Cards on your Platinum Card Account are not eligible for complimentary access. Platinum Card Members have complimentary access to select Lufthansa Business Lounges (regardless of ticket class) and Lufthansa Senator Lounges (when flying business class) when flying on a Lufthansa Group flight. To access the Lufthansa lounges, Platinum Card Members must present their valid Platinum Card, a government issued I.D., and a same-day departure boarding pass showing confirmed reservation on a Lufthansa Group flight (Lufthansa, SWISS and Austrian airlines). Card Members must adhere to all rules of participating lounges. Participating lounges and locations subject to change without notice. Additional guest access and fees subject to terms and conditions of participating lounges. In some Lounges the Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. For the most current list of Lufthansa lounges, guest access requirements, rules, and pricing policy, please visit [https://www.lufthansa.com/de/en/lounges.](https://www.lufthansa.com/de/en/lounges)  
   * **Additional Global Lounge Collection Partner Lounges:** American Express offers access to additional lounges in the Global Lounge Collection where Platinum Card Members have complimentary access to participating locations. Card Members must present their valid Platinum Card, a government-issued I.D., and a boarding pass showing a confirmed reservation for same-day travel on any carrier. Guest access and associated fees are subject to the terms and conditions of the participating lounge provider. Participation, locations, rates, and policies of lounges are subject to change without notice, and Card Members and their guests will not be compensated for such changes. Amenities, services, and hours may vary by participating lounge and are subject to change without notice. American Express and the participating lounge will not be liable for any articles lost or stolen, or damages suffered by the Card Member or guests inside the participating lounge. For participating lounges with a self-service bar, the Card Member may be required to be of legal drinking age in the participating lounge jurisdiction to enter without a parent or legal guardian. All Card Members and their guests must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. Each participating lounge may have their own policy allowing for children under a certain age to enter for free with the Card Member who is a parent or legal guardian. Card Member must adhere to all house rules of participating lounges If American Express, in its sole discretion, determines that the Card Member or their guests have engaged in abuse, misuse, or gaming in connection with access to participating lounges in any way, or that the Card Member or their guests intend to do so, we may remove access to the Additional Lounges from the Account. American Express and the participating lounge reserve the right to revise the rules at any time without notice. For the most current list of participating lounges and access requirements, please use the Lounge Finder feature in the American Express App or visit [americanexpress.com.au/platinumlounges.](http://americanexpress.com.au/platinumlounges)
7. 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.
8. Hilton Honors Gold Status  
As a Platinum Card Member you are eligible to enrol in complimentary Hilton Honors Gold status. Please note that a Hilton Honors Membership Number is required before you are able to enrol in this benefit. For Card Members who are new to Hilton Honors, please sign up [here](https://www.hilton.com/en/hilton-honors/join/?OCODE=AXPNW). Your full name and email address must match on both your American Express account and Hilton Honors account to successfully complete your registration. Offer available only to Platinum Card Members and is not transferable. Full details of Gold status can be found at [HiltonHonors.com/MemberBenefits](https://www.hilton.com/en/hilton-honors/member-benefits/) and are subject to change by Hilton. Gold status benefits are subject to availability at participating hotels and resorts within the Hilton Portfolio. Once you request enrolment in Hilton Honors Gold status, American Express will share your enrolment information with Hilton. Hilton may use this information in accordance with its privacy policy available at [Hilton.com/PrivacyPolicy](https://www.hilton.com/en/p/global-privacy-statement/). If you already have Hilton Honors Gold Status, you can maintain the benefit in the future because you don’t need to meet any stay requirements. You maintain Gold status without meeting otherwise required criteria only while an eligible cardholder or until American Express notifies you that the benefit is terminated. Hilton Honors membership, earning and redemption of Points are subject to [Hilton Honors Terms & Conditions](https://www.hilton.com/en/hilton-honors/terms/). All Hampton by Hilton™ hotels in the Republic of China are excluded from the Hilton Honors program. Visit [HiltonHonors.com/Terms](https://www.hilton.com/en/hilton-honors/terms/) for more details.
9. Mariott Bonvoy Gold status.  
As a Platinum Card Member you are eligible to enrol in complimentary Marriott BonvoyTM Gold Elite Status. Once you request enrolment within the Marriott Bonvoy Program at the Gold Elite Status level, American Express will share your enrolment information with The Marriott BonvoyTM Program. Marriott Bonvoy may use this information in accordance with its privacy statement available at [marriott.com/privacy](https://www.marriott.com/privacy). You will maintain Gold Elite Status without meeting otherwise required Marriott Bonvoy criteria as long as you remain an eligible American Express Card Member or until American Express notifies you that the benefit is terminated. Marriott Bonvoy member benefits are subject to change, availability and certain eligibility requirements. Reservations booked through third parties and online booking sources are not eligible. For complete Marriott Bonvoy Program terms visit [marriott.com/signInOverlay.mi](https://www.marriott.com/sign-in.mi). Marriott Bonvoy program amenities may not be combined with the Fine Hotels + Resorts program. Upgrades are based upon availability and will vary by property.
10. 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/).
11. 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.
12. Global Dining Credit.  
**Maximum amount back is $200 on spend at participating local restaurants (Local Dining Credit) and AUD$200 on spend at participating abroad restaurants (Abroad Dining Credit) per redemption period:** Each redemption period resets on 1 January until the offer end date of 31 December 2026\. The redemption periods are: 1 January – 31 December 2025 and 1 January – 31 December 2026\. Spend can be in one or more transactions. You cannot carry any unused offer value from one redemption period into the next.  
    
**Primary Card Member Only:** The Benefit is only available to Primary American Express Australia Platinum Card Members using their Platinum Personal Charge Card. Transactions made with an Additional Card is not eligible for this Benefit.  
    
**Save this Benefit First:** A one-time enrolment is required. You must first save the Benefit to your Platinum Card before making your payment to qualify for the Benefit. Benefit limited to the Card to which the offer is saved and only spend on this Card counts towards the Benefit. If you use another Card to make a payment at any time, you will not be eligible for the Benefit on that Card. If you switch to a new Card product that is not eligible for this Benefit, enrolment will be removed from your Card Account. If a Card you hold is ineligible, you will not be able to see the Benefit, nor will you be able to save the Benefit to the Card. If you are no longer eligible for this Benefit due to a change in Account status, including but not limited to fraudulent flags, suspension or cancellation, it will be removed from your Account.  
    
**Eligible Transactions:** Benefit only available for dine-in services made in-person at a participating restaurant in Australia. Full participating restaurant list can be found [here](https://www.americanexpress.com/en-au/benefits/diningbenefit/). Participating restaurant list subject to change without notice, please check before you dine as you won’t be eligible to receive a credit if the restaurant isn’t on the list at the time of your transaction.  
    
**Excluded Transactions:** Benefit excludes purchases of gift cards and vouchers, transactions made towards deposits charged upfront by the venue, booking, cancellation, and no-show charges, takeaway or dine-at-home services.  
    
**Direct Payments Only:** If you pay using payment processors such as QR payment or restaurant in-app purchases, you may not be eligible for the Benefit. Please request to pay at the restaurant’s designated checkout register.  
    
**Award of Credits:** Credit(s) should appear on your billing statement within 30 days from the date of payment but may take longer. Credit(s) are not redeemable for cash or any other payment form. Credit may be reversed if your qualifying purchase is refunded or cancelled.  
    
**Expiry or Withdrawal of Benefit:** The Benefit will expire on 31 December 2026\. American Express can withdraw the Benefit at any time by giving you 60 days’ notice.  
    
**Your use of participating restaurants:** Your purchase of goods and/or services from the participating brands is governed by their respective terms and conditions (including privacy policies). American Express is not responsible in any way for the goods and/or services of the participating brands. Inquiries or complaints related to the participating brands' goods and/or services should be directed to their customer service.  
    
**Our General Offer Terms:** Our [General Offer Terms](https://www.americanexpress.com/au/network/amex-offers-terms.html) also apply to the Benefit and contain important additional terms.
13. The Australian Premium Subscription.  
The Australian Premium Subscription benefit offer ('**Benefit**’) is available to eligible American Express Australia Card Members (‘**Card Members**’).  
Once you have requested to enrol in The Australian Premium Subscription, American Express Australia Limited ('**American Express'**) will determine your eligibility to enrol in the Benefit via the enrolment process. If eligible then American Express will share your enrolment information with Nationwide News Pty Ltd ('**News Corp**’). News Corp may use this enrolment information in accordance with its privacy policy available [here](https://preferences.news.com.au/privacy).  
The Benefit will provide eligible Card Members with; (a) a 12 month digital access to The Australian which provides premium content at [theaustralian.com.au](http://theaustralian.com.au/) and via The Australian app; (b) eligibility to activate a digital subscription to the Wall Street Journal which will run concurrently with the subscription in (a) above; (c) a bespoke The Australian Premium e-newsletter sent every week and exclusive to subscribers of The Australian Premium subscription; and (d) access to The Australian annual event​. Eligible Card Members must activate the Benefit described in (a) above in order to be provided with the opportunity to activate or enjoy the other parts of the Benefit.  
 Card Members are not required to pay for the Benefit. Subscriptions provided under the Benefit will be automatically renewed every 12 months provided American Express and News Corp continue their arrangements in relation to this Benefit. Under the Benefit, you are limited to one digital subscription per eligible Card Member; not to be used in conjunction with any other offer; subscription is for digital content only; physical newspapers are not included. In addition to these terms and conditions, your use of the Benefit is subject to News Corp’s full digital subscription terms and conditions available [here](http://www.theaustralian.com.au/subscriptionterms). For avoidance of doubt, terms and conditions contained here will take precedent in the event of inconsistency. Eligible Card Members will be required to agree to News Corp’s terms and conditions and privacy policy to activate the Benefit.  
 News Corp may cancel any digital subscription provided under the Benefit at any time if the Card Member subscriber is in breach of these terms and conditions or the News Corp terms and conditions for any part of the Benefit, if notified by American Express that a Card Member is no longer eligible for this subscription or if American Express and News Corp cease to have an agreement relating to the continued provision of the Benefit. The value of the Benefit is not redeemable for cash or any other payment form. American Express may end this Benefit at any time.
14. Langton’s Benefit:  
**Program Benefit:**  
Benefit is available to both Primary and Additional American Express Platinum Card Members. Enrolment via [www.langtons.com.au/platinum](https://langtons.com.au/platinum) and brokerage contact is required to be eligible for these benefits. One $50 welcome voucher may be redeemed per eligible Card Member, and is valid on purchases through the Langton’s brokerage service only with a minimum spend of $240 in a single transaction. The welcome voucher is only available to Card Members who are using the brokerage service for the first time. You must be at least 18 years of age to redeem this offer. The offer is not redeemable or exchangeable for cash or credit and is not valid for use on purchases outside the brokerage service. This offer is fulfilled by Langton’s and American Express is not liable for the actions or inactions of such suppliers. The Langton’s benefit is a continuing benefit of your American Express Platinum Card, however American Express reserves the right to discontinue the benefit, upon providing you with reasonable notice. 2021 Langton’s Pty Ltd. All rights reserved.  
Once enrolled, Card Members are eligible for an Annual Reward from Langton’s Classification based on the following criteria:  
a) Spend $5,000 or more in each 12-month membership period from benefit enrolment date to receive a complimentary Langton's Classified 'Excellent' bottle.  
b) Spend $10,000 or more in each 12-month membership period from benefit enrolment date to receive a complimentary Langton's Classified 'Outstanding' bottle.  
c) Spend $25,000 or more in each 12-month membership period from benefit enrolment date to receive a complimentary Langton's Classified 'Exceptional' bottle.  
d) Spend $50,000 or more in each 12-month membership period from benefit enrolment date to receive a complimentary bottle of Grange or a bottle of wine with a retail value at least equivalent to the market value of the current vintage of Grange.
15. Amex Offers:  
The following are not Eligible Cards: Business Cards that are affiliated with a wholesale partner, American Express Business Travel Accounts, Government Cards, Corporate Purchasing Cards, Corporate Meeting Cards, Corporate Cards and the David Jones Storecard. To view Amex Offers, simply [log into your Online Account](https://global.americanexpress.com/offers/eligible) or the American Express Mobile App. The account must being in good standing to be eligible for offers.
16. American Express Experiences.  
Invitations will be sent by email only. A valid email address and opt-in to Platinum Marketing communications is required. Event availability is strictly limited.
17. Platinum Card Insurance.  
IMPORTANT INFORMATION: If the unexpected happens on your travels and a medical emergency arises, your first port of call is Chubb Assistance. In the event of an incident and to ensure you get appropriate, and fast, treatment from a doctor who speaks your language, you must call Chubb Assistance on +61 2 9335 3492 or the number on the back of your Card before seeking medical treatment, or you may be responsible for your medical expense costs. 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 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 Card Insurance Terms and Conditions](https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.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.
18. Fine Hotels + Resorts.  
Average US$550 value based on FHR bookings in 2023 for stays of two nights. Actual value will vary based on property, room rate, upgrade availability and use of benefits. Fine Hotels + Resorts (FHR) program benefits are available for new bookings made through American Express Travel with participating properties and are valid only for eligible Platinum Charge Card Members and Centurion® Members. Platinum Credit Card Members who are not also Australian Platinum Charge Card Members or Centurion® Members, are not eligible for FHR program benefits. Bookings must be made using an eligible Card and must be paid using that Card, or another American Express® Card, in the eligible Card Member's name, and that Card Member must be travelling on the itinerary booked. Noon check-in and room upgrade are subject to availability and are provided at check-in; certain room categories are not eligible for upgrade. The US$100 credit will be applied to eligible charges up to the amount of the credit. To receive the US$100 credit, the eligible spend must be charged to your hotel room. The US$100 credit will be applied at check-out. Advance reservations are recommended for certain US$100 credits. The type and value of the daily breakfast (for two) varies by property; breakfast will be valued at a minimum of US$60 per room per day. To receive the breakfast credit, the breakfast bill must be charged to your hotel room. The breakfast credit will be applied at check-out. If the cost of Wi-Fi is included in a mandatory property fee, a daily credit of that amount will be applied at check-out. Benefits are applied per room, per stay (with a three-room limit per stay). Back-to-back stays booked by a single Card Member, Card Members staying in the same room or Card Members travelling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional FHR benefits (“Prohibited Action”). American Express and the property reserve the right to modify or revoke FHR benefits at any time without notice if we or they determine, in our or their sole discretion, that you may have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your FHR benefits. Benefit restrictions vary by property. Benefits cannot be redeemed for cash and are not combinable with other offers unless indicated. Benefits must be used during the stay booked. Any credits applicable are applied at check-out in USD or the local currency equivalent. Benefits, participating properties, and availability and amenities at those properties are subject to change. To be eligible for FHR program benefits, your eligible Card Account must not be cancelled. For additional information, please call the number on the back of your Card.
19. International Airline Program.  
   * American Express reserves the rights to change these conditions from time to time with 21 days prior notice and/or to discontinue the whole programme. To earn or redeem Membership Rewards points, Cards must be registered to the American Express Membership Rewards program, and be active and current in their payments. When paying with a combination of your American Express Card and Membership Rewards points, only the value applied to the Card is eligible to earn Membership Rewards points. Membership Rewards Terms and Conditions apply when booking on the American Express Travel website. Please visit the Membership Rewards website to view the full Terms and conditions (membershiprewards.com.au/termsandconditions).  
   * Airlines reserve the right to change, cancel or restrict flight operations without notice. IAP upgrades or specially negotiated fares may be limited by airlines to certain flights and/or dates (“blackouts”). IAP is subject to the terms and conditions of each participating carrier. American Express does not guarantee that seats or tickets will be available. Cabins of service and discounts vary by airline and route.  
   * To qualify for the IAP upgrades or specially negotiated fares: a) Your journey must start and end at the same port as designated by the participating airline and be completed within the period during which your selected carrier participates in the programme. You will be advised of any applicable dates at the time of booking. b) IAP tickets must be purchased through the American Express Travel Service and must be charged to a valid Australian American Express Platinum Card which is in good standing. c) The Platinum Cardmember who purchases the ticket(s) must be one of the travellers. d) IAP tickets are non-transferable and nonendorsable.  
   * Any travel on non-participating airlines must be ticketed and paid for separately and is not part of the IAP. Certain code share or flights on the worldwide partners of the participating airlines may not apply.  
   * Certain IAP airlines or non-participating airlines impose restrictions such as ticketing time limit on advance booking to indicate a timeline for ticketing upon making your reservations. For each individual airline Terms & Conditions, please check with the Platinum Travel Service for details.  
   * IAP upgrade offers or specially negotiated fares may not be combined with any other promotion, discount, negotiated or corporate rate.  
   * American Express acts only as an agent for travel service providers and does not own or operate any airline or means of transportation. American Express is not liable for service deficiencies on the part of airlines or other service providers, including but not limited to: accidents and injuries; delays; changes in routes or itineraries; loss, theft or damages to possessions. American Express strongly advises travellers to insure themselves against travel risks. Travellers are responsible for ensuring that they have valid documentation and for complying with the health, customs, currency and other laws of any country they enter or attempt to enter.  
   * IAP is available to Platinum Cardmembers from a variety of participating airlines each with specifically designated ports of departure and arrival. Please refer to the Platinum Travel Service for details of participating airlines, applicable routing and timetables and fares in force at any particular time. Other International Airline Program Terms & Conditions may apply.  
Savings are based on full-priced retail year-round airfares from Australia to select destinations with participating airlines in selected booking classes in First, Business and Premium Economy. Savings are calculated on the base fare and do not include applicable charges such as taxes, service fees, date change fees and cancellation fees. A maximum of 8 tickets can be purchased per Card Member per transaction. Prices are subject to availability and subject to change. All airfares must be purchased through the Platinum Travel Service and paid for on the Platinum Card. Airfares at sale prices may be released in the market at any time and reduce the featured savings. Fare rules including Advance Purchase, Min/Max Stay, any Penalties/Refunds, Stopovers/Transfers, Discounts (child/infant), and Taxes/Surcharges, are dependent on the airline’s Terms and Conditions and can vary. Airline Partners and offers vary and are subject to change. Contact Platinum Travel Service for full details on the International Airline Program.
20. Radisson Rewards Premium status.  
Enrolment in the Radisson Rewards program is required for membership to be upgraded. Benefits are subject to change and availability may vary by property. Radisson Rewards benefits may not be combined with benefits offered by American Express and other loyalty programs. All American Express terms and conditions apply. All Radisson Rewards terms and conditions apply. To view terms and conditions visit [radissonhotels.com/en-us/terms-and-conditions](https://www.radissonhotels.com/en-us/terms-and-conditions). American Express reserves the right to instruct Radisson Rewards to cancel your membership if you cease to be a Platinum Card Member or your Account is not in good standing.
21. ALL Accor+ Explorer Membership  
An annual ALL Accor+ Explorer Membership is valued at AU$349, found at [accorplus.com/au/benefits](https://www.accorplus.com/au/benefits/) as at 1 October 2025\. Eligible American Express Card Members are required to enrol to receive a complimentary ALL Accor+ Explorer membership. An ALL Accor+ Explorer membership is available only to the Primary Platinum Card Member. Membership privileges will only be granted on presentation of a valid membership card and a member must identify themselves as an ALL Accor+ Explorer member at time of booking. Accommodation bookings must be made in advance through the ALL.com app. American Express reserves the right to instruct Accor Plus to cancel your membership if you cease to be a Platinum Card Member or your Account is not in good standing. Complimentary membership is a continuing benefit of your American Express Platinum Card, however American Express reserves the right to discontinue the benefit, upon providing you with reasonable notice. Once enrolled, enrolment continues for at least 12 months. If you become ineligible for this benefit or if this benefit ends, the ALL Accor+ Explorer membership standard eligibility criteria will apply to you. A Stay Plus Free Night may be subject to availability at participating properties. Use of the Stay Plus is subject to the conditions as listed on [accorplus.com/au/terms-and-conditions.](https://www.accorplus.com/au/about-old/terms-and-conditions/) Membership privileges are subject to exceptions listed at [accorplus.com/au/benefits-exceptions](https://www.accorplus.com/au/stay-benefits-exceptions/). Dining and drinks discounts do not apply to room service, mini bars, meeting rooms, selections from the kids’ menus or takeaways; and public holidays or during special events. For more information, please visit here: [accorplus.com/benefits/more-flavours](https://www.accorplus.com/restaurant-benefits/). Dining privileges are subject to the Accor Plus membership terms and conditions which are found here: [accorplus.com/au/terms-and-conditions](https://www.accorplus.com/au/about-old/terms-and-conditions/).
22. 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.
23. 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.
24. 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](https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/#T&Cs) of our Membership Rewards Program.​