Important Note

The American Express Global Lounge Collection benefit for Platinum Personal and Platinum Business Cards is changing, with access policy updates from 8 July 2026 (Centurion Lounges) and 1 October 2026 (Plaza Premium and Priority Pass). Visit [go.amex/lounge-updates](https://www.americanexpress.com/en-au/credit-cards/membership-benefits/the-platinum-card/travel/lounge-updates/) for details and updated Terms and Conditions.

[  axp-icon-left All Cards](/en-au/credit-cards/all-cards/)

1. [All Cards](/en-au/credit-cards/all-cards/)
2. The American Express Platinum Card

[The American Express Platinum Card](https://www.americanexpress.com/en-au/credit-cards/the-platinum-card/?linknav=en-au-amex-cardshop-details-browse-ThePlatinumCard)[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 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 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 Discovery Card](https://www.americanexpress.com/en-au/credit-cards/qantas-discovery-card/?linknav=en-au-amex-cardshop-details-browse-QantasDiscoveryCard)[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 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 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 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 Velocity Business Card](https://www.americanexpress.com/en-au/credit-cards/velocity-business-card/?linknav=en-au-amex-cardshop-details-browse-VelocityBusinessCard)[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)

### New Card Member Offer

Personalised Offer

when you apply online, are approved and spend $5,000 on eligible purchases on your new American Express Platinum Card within the first 3 months. T&Cs apply. New American Express Card Members only. 

This offer is personalised to you and may change or be withdrawn at any time. This offer may not be available or change if you return later to this webpage. Taking credit should be considered carefully. Please do not rush your decision.

Key Information

Annual Fee

$1,450 p.a.

Card Type

[Charge Card](https://www.americanexpress.com/au/credit-cards/about-credit-cards/what-is-a-charge-card/)

Cash Flow Period

Up to 44 cash flow days and flexible spending power

### How You Earn Membership Rewards Points

* ###  
2.25 points per $1 spent on purchases excluding government bodies in Australia  
## 2.25  
## points per $1 spent  
## on purchases excluding government bodies in Australia
* ###  
1 point per $1 spent on purchases at government bodies in Australia  
## 1  
## point per $1 spent  
## on purchases at government bodies in Australia

Key Benefits

$450 Travel Credit each year

Receive $450 to spend on domestic or international travel each year when you make a booking of $450 or more on eligible flights, hotels or car hire with [American Express Travel Online](https://www.americanexpress.com/en-au/travel/). Available to the Primary Platinum Card Member.

Enjoy up to $400 in Dining Credits

Dine out on Platinum and enjoy up to $200 to spend at participating restaurants in Australia and up to $200 to spend at participating restaurants abroad. 

Airport Lounge Access

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

## All Benefits

## 

Platinum Travel Benefits

Complimentary ALL Accor+ Explorer Membership valued at $349 p.a.

* 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 insurance 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).

Access over 1,550+ Airport Lounges worldwide

  
There will be changes to the American Express Global Lounge Collection benefit for the Platinum Personal and Platinum Business Cards. From 8 July 2026, access policy changes will apply to American Express Centurion Lounges in Australia and at select international locations. From 1 October 2026, access policy changes will also apply to Plaza Premium and Priority Pass lounges. For more information and to review the new Terms and Conditions, please visit [go.amex/lounge-updates](https://www.americanexpress.com/en-au/credit-cards/membership-benefits/the-platinum-card/travel/lounge-updates/).

Fine Hotels + Resorts program

Receive a complimentary suite of benefits which offer an average total value of USD$550 at over 1,800 extraordinary properties worldwide when you book with Fine Hotels + Resorts. 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 status and Marriott Bonvoy Gold status and Radisson Rewards Premium status.

International Airline Program

Our International Airline Program offers savings on First and Business Class airfares with some of the world’s leading airlines. 

## 

Rewards

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 Australia
* Earn **1 point per $1** spent on purchases at government bodies in Australia
* **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 Account

Choose Your RewardsInformation button icon

You can redeem points several ways:

* Transfer your points to over 10 major partners across Airline, Hotel & Retail.
* **Other ways to use your Points**  
Book travel with points online at American Express Travel  
Use points to pay for eligible charges on your Account using Cover Charges with Points  
Redeem points for Digital Gift Cards from leading retailersInformation button icon

## 

Shopping and Entertainment

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.

_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.

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 Members 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 program 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.

## 

Service and Protection

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 Cards

Shop with confidence

* Buyer’s Advantage Cover, extends your manufacturer's warranty by up to 12 months on eligible items purchased with your CardInformation button icon
* Card Purchase Cover, will keep your protected with cover should your eligible items be stolen or damagedInformation button icon
* Card Refund Cover, is also available should a store refuse to accept the return of an eligible itemInformation button icon
* Fraud Protection Guarantee means you won't be held responsible for any unauthorised charges made without your knowledgeInformation button icon
* 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.

## Eligibility

To apply for The Platinum Card you need to:

* Be aged 18 years or over
* Be an Australian citizen, permanent resident or hold a long term visaInformation button icon
* 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](https://www.americanexpress.com/en-au/credit-cards/about-credit-cards/income-requirements/) (e.g, payslips)

Platinum Card FAQs

* Does the Amex Platinum Card give access to Airport Lounges?
* Does the Amex Platinum Card offer complimentary Travel Insurance?
* Does the Amex Platinum Card come with a pre-set spending limit?
* What is the Annual Card Fee for the Amex Platinum Card?
* What are the eligibility requirements for the Amex Platinum Card?
* How do I upgrade to the Amex Platinum Card?

## Important Information

* [Insurance Terms and Conditions](https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.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/benefits/Platinum/CMagreement.pdf)
* [Target Market Determination](https://www.americanexpress.com/content/dam/amex/au/pdfs/credit-cards/TargetMarketDetermination%5FPlatinum.pdf)

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

[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)

# Other Recommended Cards For You

## **Earn up to 125,000 Bonus Membership Rewards Points**Information button icon

The American Express Explorer Credit Card

That’s 75,000 bonus Membership Rewards Points when you apply online by 25 August 2026, are approved, and spend $4,000 on eligible purchases on your new American Express Explorer Credit Card within the first 3 months of your approval date. Plus, earn an additional 50,000 bonus Membership Rewards Points when you spend a further $4,000 on eligible purchases within the first 3 months of your second year of Card membership. T&Cs apply. New Amex Card Members only.

[Learn More](https://www.americanexpress.com/en-au/credit-cards/explorer-credit-card/?linknav=en-au-amex-cardshop-allcards-details-learnmore-explorerCreditCard-rc)

## **Earn 50,000 bonus Qantas Points**

The Qantas American Express Ultimate Card

when you apply online by 28 July 2026, are approved, and spend $5,000 on eligible purchases on your new Qantas American Express Ultimate Card within the first 3 months from your approval date. T&Cs apply. New Amex Card Members only. Information button icon

[Learn More](https://www.americanexpress.com/en-au/credit-cards/qantas-ultimate-card/?linknav=en-au-amex-cardshop-allcards-details-learnmore-qantasUltimateCard-rc)