Credit Card Offers Amex Platinum Business Card Offers, Benefits & Discussion

Maximum travel benefits for you and your business, plus 300,000 bonus Amex Membership Rewards Points...​

Learn more and apply for this card:

American Express® Platinum Business Card

With high points earn and travel benefits, the American Express Platinum Business Card is one of Australia's most rewarding business cards.

www.australianfrequentflyer.com.au

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What are the main benefits of this card?

1. Signup bonus: 300,000 Amex Membership Rewards Points (worth 150,000 Qantas Points, Velocity Points, Avios or Asia Miles, among other options) when you apply by 4 November 2025 and spend at least $12,000 within 3 months
2. Earn 2.25 Amex Membership Rewards points per $1 spent on everyday business expenses, uncapped. You can transfer these points to 13 airline & 2 hotel programs, including Qantas Frequent Flyer.
3. Enjoy unlimited access to many airport lounges, including Virgin Australia and Priority Pass lounges
4. Gift Priority Pass membership to one employee cardholder
5. Receive complimentary elite status with hotel loyalty programs including Hilton Honors, Marriott Bonvoy, Radisson Rewards & Accor Live Limitless
6. Complimentary international travel insurance
7. Complimentary digital news subscriptions

Why we like the American Express Platinum Business Card

The American Express Platinum Business Card is one of the most rewarding business cards in Australia. Card Members receive unlimited access to over 1,400 airport lounges worldwide, elite status with multiple hotel loyalty programs, Accor Plus membership, premium travel insurance and lots more.

This charge card is available to Australian business owners, directors or controllers where the business is registered for GST and has an annual turnover of at least $75,000.

You can add up to 99 Employee Cards for no additional fee. All employee Card Members also receive the complimentary travel insurance benefits.

You’ll earn 2.25 Amex Membership Rewards Points per $1 spent on this card (excluding government payments), with no cap on the number of points you can earn. You’ll then have the flexibility to transfer those points to 13 different frequent flyer programs or 2 hotel loyalty programs, as needed. The conversion rate to airlines like Qantas, Virgin Australia and Qatar Airways is 2:1, so you’re effectively earning 1.125 Qantas points, Velocity points or Avios per dollar spent.

To sweeten the deal, new customers who apply by 4 November 2025 can also earn 300,000 bonus Amex Membership Rewards Points when spending at least $12,000 on the card within 3 months of approval. See our card guide for the full details:

American Express® Platinum Business Card

With high points earn and travel benefits, the American Express Platinum Business Card is one of Australia's most rewarding business cards.

www.australianfrequentflyer.com.au

 

[306]

I applied for the business version on the 21th, using the $300 AF offer link
got a call the next day just asking to confirm that I applied for it.
A follow call on the 26th just confirming my business name and names of directors, no request for paperwork
Received text today confirming successful application and card is in the mail

Currently using personal version for business, and the free reserve card for personal, will cancel that to regain the credit limit to hopefully allow me to apply for other cards.

I'm wondering if that would mean, both insurance policies are valid concurrently to double the limits

 

[Bell21]

I applied for the business version on the 21th, using the $300 AF offer link
got a call the next day just asking to confirm that I applied for it.
A follow call on the 26th just confirming my business name and names of directors, no request for paperwork
Received text today confirming successful application and card is in the mail

Currently using personal version for business, and the free reserve card for personal, will cancel that to regain the credit limit to hopefully allow me to apply for other cards.

I'm wondering if that would mean, both insurance policies are valid concurrently to double the limits

I assume valid concurrently (although check the T&Cs, as often there's some clauses relating to overlapping policies), albeit the Personal card has outbound flight insurance activation requirement

 

[Bell21]

YES that is the difference - different Eligibility for Biz Credit Card V Biz Charge Card. Again don't rely on my advice - speak to both AMEX and Chubb.

Now here is the thing - AMEX will not comment on the 'Insurance' aspects - and Chub will not comment on the 'Eligibility' aspects so you will need to speak to both to get the full details.

Plus unless you are a current 'Primary Cardholder' I don't know how much info will be forthcoming - but by all means try. I had these conversations on Monday with both AMEX and Chubb - this is the second time the full details have been confirmed to m e - previous occasion was over 12mths ago so I wanted to reconfirm just in case changes had occurred.

From what I can glean - the complimentary Travel Insurance attached to the Business Platinum Charge Card is almost if not entirely identical; to the insurance attached to Centurion. I have a nephew in insurance industry, and I furnished him with a copy of the Ts & Cs and his response was that this complimentary Travel Insurance was as good as he had ever seen and substantially better than most commercially available policies - he holds an industry exclusive policy which is better again but that is an aside.

I just had a read of the PDS of the Business vs Personal side-by-side and as you say, they appear to be almost identical, albeit the business card has a few extra 'business' areas of cover - YMMV (as insurance is such a personal thing), but I agree that the complimentary insurance appears attractive (I've frequently relied on the Personal cover to date). I also agree that your research re 'activation requirements' appears to be accurate as well.