AMEX Platinum Charge Benefits - Q&A

[daft009]

trying to transfer some MR points to an airline and the website keep giving a 500 server error.
I can login fine to check my transactions etc, then i select travel then rewards, then the error comes.

just me or you guys too?

 

[dein_gesicht]

trying to transfer some MR points to an airline and the website keep giving a 500 server error.
I can login fine to check my transactions etc, then i select travel then rewards, then the error comes.

just me or you guys too?

Tried on your phone?

 

[daft009]

Tried on your phone?

The website is the same so yeah same issue

 

[Viridis]

trying to transfer some MR points to an airline and the website keep giving a 500 server error.
I can login fine to check my transactions etc, then i select travel then rewards, then the error comes.

just me or you guys too?

No, not just you - tried multiple devices and multiple browsers ….. get the spinning wheel of death with all options. Something is broken at Amex

 

[daft009]

No, not just you - tried multiple devices and multiple browsers ….. get the spinning wheel of death with all options. Something is broken at Amex

working now this morning.
just transferred

 

[Bell21]

Yes, I'm aware of the clause.



It doesn't say this. The eligibility table states that bookings can be made using frequent flyer points but does not state any criteria around the source of said points.




Another member's actual experience:

American Express Platinum cover when only paying taxes on award flight?

I can see in the terms and conditions that travel insurance is only activated when paying for a RETURN flight. We have used airmiles for 2x J flights to UK so have only paid for the taxes on the flight. Also, we booked the flights in two separate bookings as there wasn't the ability with SQ to...

www.australianfrequentflyer.com.au

I've waded late into this discussion, but I spoke to Chubb at length about the issue of 'corresponding AMEX ... FF points' and they said that to activate the policy for a rewards booking the claimant MUST be able to prove that the FF points they used were transferred from MR - we discussed the clause in some detail and they explained that the word 'corresponding' means the FF points come from MR --- I don't think that's what the clause says, but given the ambiguity, I've chosen to buy inexpensive travel cover in those instances, as I didn't think it's worth the ambiguity --- it's interesting that AFFers have claimed and not been asked to prove where points have come from, although I still wouldn't want to rely on a travel policy where there's this type of ambiguity

 

[Daver6]

I've waded late into this discussion, but I spoke to Chubb at length about the issue of 'corresponding AMEX ... FF points' and they said that to activate the policy for a rewards booking the claimant MUST be able to prove that the FF points they used were transferred from MR - we discussed the clause in some detail and they explained that the word 'corresponding' means the FF points come from MR --- I don't think that's what the clause says, but given the ambiguity, I've chosen to buy inexpensive travel cover in those instances, as I didn't think it's worth the ambiguity --- it's interesting that AFFers have claimed and not been asked to prove where points have come from, although I still wouldn't want to rely on a travel policy where there's this type of ambiguity

How can you EVER prove this. It's ridiculous. Take the following scenario. I have 500k QFF points and 500k MR points. I need 100k QFF points to book a overseas flight. I transfer 200k MR points to QF and book the flight. Now I don't make a claim on this trip. A year later I use another 100k QF points for another flight. This one I do need to make a claim.

Did I use the QF points from my MR transfer for the first or second flight? Of course, I'd just say I used them for the second, not the first. There is no way to nominate one way or the other. This is just silliness.

 

[Cynicor]

Sure, in that case you have a transfer. In other cases it’s very easy.
Day my upcoming usa trip. One way on my partner’s points and other way on mine. Not covered.

 

[bullerdude]

That might be what the Chubb call centre have been trained to say, however, I think they are on shaky ground as there is no definition provided in the T+C's that defines the word corresponding to mean "FF points came from MR".

International Return Trips
4. You are going on an International Return Trip and You pay the full amount of Your outbound ticket for a Scheduled Flight or Scheduled Cruise leaving Australia on Your
i. American Express Card Account;
ii. corresponding American Express Membership Rewards points or frequent flyer points (where applicable); and/or
iii. Travel Benefit.

My read of eligibility criteria 4ii is outbound flights payed with points must be one of Amex Membership Rewards or frequent flyer points. The most important part of this sentenance is the or indicates one or the other, but not both. In terms of the word corresponding, there is nothing in this sentence to indicate the that the frequent flyer points must correspond with the amex membership rewards points, rather my read is the amex or frequent flyer points must correspond to the full amount of the outbound ticket.

I'm not a lawyer, so all this is my interpretation, but as multiple members here have different interpretations than it stands to reason that the terms and conditions are ambiguous, hence Chubb is on shaky ground.

 

[Bell21]

That might be what the Chubb call centre have been trained to say, however, I think they are on shakey ground as there is no definition provided in the T+C's that defines the word corresponding to mean "FF points came from MR".



My read of eligibility criteria 4ii is outbound flights payed with points must be one of Amex Membership Rewards or frequent flyer points. The most important part of this sentenance is the or indicates one or the other, but not both. In terms of the word corresponding, there is nothing in this sentence to indicate the that the frequent flyer points must correspond with the amex membership rewards points, rather my read is the amex or frequent flyer points must correspond to the full amount of the outbound ticket.

I'm not a lawyer, so all this is my interpretation, but it multiple members here have different interpretations than it stands to reason that the terms and conditions are ambiguous, hence Chubb is on shakey ground.

No doubt they are on shaky ground, but I'm not sure I want to be the one to test it! I absolutely agree with your interpretation and think what they told me is nonsense, although the rep I spoke to seemed knowledgeable and aware of the clause, so as you say, it's probably what they've been trained to say

 

[tinkybelle]

Sure, in that case you have a transfer. In other cases it’s very easy.
Day my upcoming usa trip. One way on my partner’s points and other way on mine. Not covered.

my plat states use your points on outbound it does not state return so use yours to fly out then covered not sure if other amex state this

 

[Bell21]

my plat states use your points on outbound it does not state return so use yours to fly out then covered not sure if other amex state this

I think that's right --- only outbound needs to be covered

 

[asterix]

Transfers to Krisflyer and Emirates are increasing to 3MR per Krisflyer/Skywards point from October 2023. Hawaiian and Qatar starting in October and August at 2:1.

 

[Cynicor]

Yeah, this is going to melt the net.
Need to completely redo my card storage with St George gone too

 

[Doctore1003]

There's a separate thread on this: New redemption rates for SQ/EK

 

[Brooksnk]

Looking at the new terms and conditions - refund protection now excludes 'sale and discount' items. This is a really poor change for us. In practice, I don't know how they tell if the item was purchased on sale (unless the invoice notes this).

Has anyone used Card Refund cover since this change? I made a purchase of some cloths recently, 2 sizes of each item planning to return the less fitting ones - but the retailer apparently doesn't do refunds on sale items. Very frustrating and I suspect Amex won't be much help either now as they are sale items...

 

[kangarooflyer88]

Has anyone used Card Refund cover since this change? I made a purchase of some cloths recently, 2 sizes of each item planning to return the less fitting ones - but the retailer apparently doesn't do refunds on sale items.

Don't need AmEx for that, this is illegal under Australian consumer law:

 

[ChrisFlyer]

Don't need AmEx for that, this is illegal under Australian consumer law:

View attachment 335441

The Australian Consumer Law only applies to refunds on 'faulty' products, not on change of mind returns. Buying two of something and returning one later because it wasn't the right size is a 'change of mind' return, not a product fault.

 

[Brooksnk]

The Australian Consumer Law only applies to refunds on 'faulty' products, not on change of mind returns. Buying two of something and returning one later because it wasn't the right size is a 'change of mind' return, not a product fault.

Yes, this is correct.

To be specific, they don't do refunds on sale items for change of mind, only exchanges/credit - which is totally fair. I do know retailers sometimes have policies like this, but usually for like 'final markdowns' as opposed to any sale items, hence I was caught off guard.

 

[kangarooflyer88]

The Australian Consumer Law only applies to refunds on 'faulty' products, not on change of mind returns. Buying two of something and returning one later because it wasn't the right size is a 'change of mind' return, not a product fault.

I suppose it depends on how it was ordered. If you ordered online from a retailer then the item they shipped was a faulty product since you did not have an opportunity to try on the item.