American Express® Platinum Business Card

Amex Platinum Business card

The American Express Platinum Business Card is one of Australia’s most rewarding business cards. Earn up to 2.25 Amex Membership Rewards Points per dollar, receive airport lounge access and hotel status, and issue up to 99 Employee Cards.

Signup bonus
250,000 Membership Rewards Bonus Points + half annual Card fee of $875 (normally $1,750) in the first year + 20,000 Bonus Points¹ , when you apply through the link on this page by 27 May 2025 and spend a minimum of $12,000 on eligible purchases in the first 3 months of approval date. T&Cs apply. New American Express Card Members only.
Points Earned
Earn 2.25 Membership Rewards points per $1 on all eligible business purchases, except for spend with government bodies, for which you will earn 1 point per $1 spent
Notable Benefits
    • New and existing American Express Card Members who apply by 27 May 2025 can enjoy a half annual Card fee of $875 (normally $1,750) in the first year. T&Cs apply.*
    • Up to 55 days cash flow
    • Unlimited access to over 1,200 lounge across 130 countries – including Delta and American Express lounges globally
    • Access to American Express Fine Hotels + Resorts perks & discounts
    • Complimentary status & memberships with a number of hotel loyalty programs including Accor Plus Membership valued at $399 per year
    • Complimentary Travel Insurance cover extended to Supplementary Platinum Card Members
    • Access to Amex Experiences App that gives you access to 24/7 Premium Concierge service in your pocket
    • Charge Card – Access a line of unsecured funding with flexible spending power^
    • Apple Pay, Google Pay and Samsung Pay
Annual fee
$875 in the first year (normally $1,750 p.a)*

The owner of Australian Frequent Flyer may receive a commission from the card issuer for each applicant of this card.

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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 worldwide7, elite status with multiple hotel loyalty programs17, Accor Plus membership10, premium travel insurance9 and lots more.

This 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. As it’s a charge card, you can access a line of unsecured funding with flexible spending power3 and your business can benefit from up to 55 days of cash flow4 – but you must pay off the balance in full after each month.

It’s possible to add up to 99 Employee Cards2 for no additional fee. All employee Card Members can also access the complimentary travel insurance benefits9.

You’ll earn 2.25 Amex Membership Rewards Points per $1 spent on this card (excluding government payments)5, with no cap on the number of points you can earn. You’ll then have the flexibility to transfer those points to over 10 major Airline Reward Partner programs or 2 hotel loyalty programs, as needed. The conversion rate to airlines like Qantas, Virgin Australia and Cathay Pacific is 2:1, so you’re effectively earning 1.125 Qantas points or Velocity points or Asia Miles per dollar spent.

Key Information & How to Apply

Key facts about this cards

Card type
American Express
Signup bonus
250,000 Membership Rewards Bonus Points + half annual Card fee of $875 (normally $1,750) in the first year + 20,000 Bonus Points¹ , when you apply through the link on this page by 27 May 2025 and spend a minimum of $12,000 on eligible purchases in the first 3 months of approval date. T&Cs apply. New American Express Card Members only.
Annual fee
$875 in the first year (normally $1,750 p.a)*
Interest-free days
Up to 55 days
Minimum monthly repayment
100% of outstanding balance
Minimum credit limit
No minimum credit limit specified
Minimum income requirement
Personal gross (pre-tax) annual income of $75,000 or more with a valid ABN registered for GST
International transaction fee
3.0%

To apply for this card, you will need

  • To be an Australian citizen or permanent resident aged 18 or over and a Director or controller of the business
  • Personal gross (pre-tax) annual income of $75,000 or more with a valid ABN registered for GST
  • No history of bad debt or payment default
  • Your Australian driver’s licence number and proof of income
  • 10-15 minutes to complete your application

The owner of Australian Frequent Flyer may receive a commission from the card issuer for each applicant of this card.

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Sign-up bonus

Earn 250,000 Membership Rewards Bonus Points and enjoy half annual Card fee of $875 (normally $1,750) in the first year1 plus an additional 20,000 Bonus Points when you apply through the link on this page by 27 May 2025, are approved and spend $12,000 on eligible purchases on your new American Express Platinum Business Card within 3 months of your approval date. T&Cs apply. Available for new American Express Card Members only. 

270,000 Membership Rewards Points is equal to 135,000 Qantas points, Velocity points, Asia Miles or Etihad Guest miles when redeemed.5

Cathay Pacific Airbus A350-1000.
You could transfer your Amex Membership Rewards Points to a long list of airlines including the Cathay Asia Miles program and redeem them for reward flights. Photo: Cathay Pacific.

In total, your Amex Membership Rewards Bonus Points can be transferred to over 10 major Airline Reward Partner Programs or 2 hotel loyalty programs, generally at a 2:1 conversion rate. You’re then free to spend those points however you like, including for reward flights and upgrades with an airline of your choice.5

To learn more about which loyalty programs you can convert Amex Membership Rewards Bonus Points into, see our Credit Card Points Transfer Assistant.

Alternatively, you could redeem 250,000 Amex Membership Rewards Bonus Points for a gift card or account credit worth around $1,250.

This offer is not available to existing Amex Card Members, or if you have been the primary Card Member of an Australian Amex card in the past 18 months.

Travel benefits

The American Express Platinum Business Card offers a wide range of travel benefits including complimentary airport lounge access7, hotel status17, travel insurance9 and more! Here’s an overview of the travel benefits you can expect…

Airport lounge access

With an Amex Platinum Business Card, you’ll get unlimited access to Centurion Lounges for yourself and up to two guests with each visit. This includes the Amex Centurion Lounges in Sydney and Melbourne9.

You and one complimentary guest can also access any Virgin Australia Lounge when flying on a same-day Virgin Australia domestic flight.

Virgin Australia Lounge, Melbourne
Virgin Australia Lounge, Melbourne. Photo: Virgin Australia.

You can also access Delta Sky Club lounges when flying the same day on Delta, and Lufthansa Business Lounges when flying with Lufthansa Group airlines.

In addition, receive unlimited access to Priority Pass lounges for yourself and one nominated employee with an Employee Card7.

You and your nominated employee can access Priority Pass lounges when flying with any airline, but there is no complimentary guest allowance with this card. Additional guests at Priority Pass lounges will attract a USD35 fee. The Priority Pass benefit does not extend to accessing food & beverage credits at airport restaurants.

Within Australia, there are around 23 airport lounges accessible to American Express Platinum Business Card Members. This list was accurate to the best of our knowledge as of May 2025 and is subject to change:

AirportLoungeComplimentary Guest Allowance
AdelaideVirgin Australia Lounge
Rex Lounge
Plaza Premium Lounge (international)
1 guest

BrisbaneVirgin Australia Lounge (domestic)
Plaza Premium Lounge (international)
Escape Lounge (international)
1 guest

CairnsEscape Lounge (international)
CanberraVirgin Australia Lounge1 guest
Gold CoastVirgin Australia Lounge1 guest
MelbourneVirgin Australia Lounge (Terminal 3)
The House (international)
Marhaba Lounge (international)
Amex Centurion Lounge (international)
Plaza Premium Lounge (international)
Rex Lounge (Terminal 4)
1 guest


2 guests

PerthVirgin Australia Lounge (Terminal 1)
Aspire Lounge (international)
1 guest
SydneyVirgin Australia Lounge (Terminal 2)
The House (international)
Amex Centurion Lounge (international)
Plaza Premium Lounge (international)
Rex Lounge (Terminal 2)
Plaza Premium Arrivals Lounge (T1 – landside)
1 guest

2 guests


Australian airport lounges accessible to Amex Platinum Business Card Members

Hotel benefits

As an American Express Platinum Card Member, you’ll automatically be eligible for elite status in multiple hotel loyalty programs – without needing to complete any hotel stays. You’ll then be able to use the benefits of that status tier whenever you stay at a hotel that participates in that loyalty program and book direct.

Hotel programStatus levelKey benefits of this status level
Hilton HonorsGold• Every fifth night free on standard room awards of 5+ nights
• Complimentary gym access and two bottles of water
• 80% tier bonus points
• My Way Gold benefits, including free breakfast at most brands
• Complimentary room upgrade at Conrad, Hilton & Doubletree hotels (subject to availability)
Marriott BonvoyGold• Late checkout
• 25% bonus points
• Welcome gift
• Room upgrades (subject to availability)
Radisson RewardsPremium• Free room upgrades (subject to availability)
• Early check-in & late check-out
• “My Favorite Hotel” benefits at a specific hotel of your choice
Accor ALLSilver (via Accor Plus membership)• Late checkout
• Welcome drink
• Higher points earn rate
Fine Hotels + Resorts Receive exclusive benefits• Guaranteed 4pm late checkout
• 12pm checkin, when available
• Room upgrades (subject to availability)
• Daily breakfast for two
• Complimentary amenity valued at US $100 more
• Complimentary Wi-Fi
Hotel status benefits for Amex Platinum Card Members
Ibis and Pullman hotels at Brisbane Airport
Receive Accor Plus membership and enjoy benefits with Accor hotels. Photo: Accor.

The Accor Silver membership is a benefit of Accor Plus Explorer membership, valued at $399 per year if bought individually. You can enrol in Accor Plus for free as an Amex Platinum Card Member.

In addition to Accor ALL Silver status, Accor Plus gets you the following benefits at participating Accor hotel brands in the Asia-Pacific region:

  • One “Stay Plus complimentary night” per year (subject to room availability, which can be limited at peak times)
  • 10% off room bookings
  • 25-50% off dining at Accor hotels
  • 15% off drinks bills at Accor hotels in Asia

Complimentary travel insurance

This card comes with complimentary domestic and international travel insurance. This insurance is underwritten by Chubb. This insurance is also available to anyone with an Employee Card, subject to the terms & conditions.

The Platinum Business Card insurance policy also includes Card Purchase Cover, Card Refund Cover, Buyer’s Advantage Cover and roadside assistance.

Before using this insurance, we’d encourage you to read the PDS here.

Hertz & Avis car rental benefits

Enrol in Hertz Gold Plus Rewards and Avis Preferred, and use your American Express Platinum Business Card to pay for Hertz or Avis car hire bookings, to enjoy extra benefits. These include access to savings, upgrades and other benefits which vary depending on the location of your rental.

Hertz car hire counter
Receive extra benefits when paying for a Hertz car rental with an Amex Platinum Business Card. Photo: Matt Graham.

Earning points

With the American Express Platinum Card, you’ll earn 2.25 American Express Membership Rewards Points per $1 spent on eligible transactions (excluding government payments). That’s effectively 1.125 airline points or miles per dollar with most airlines once the conversion rate is considered.

There is no monthly or annual point-earning cap. You can earn an unlimited number of points at the full rate.

Amex Membership Rewards Points do not expire as long as your account remains active. Therefore, it would be a good idea to keep them in your Amex Membership Rewards account until you’re ready to use them (or wait for a good bonus offer before transferring them to an airline)!

Earning points for ATO & government payments

Payments made directly to the Australian Tax Office (ATO) or other government bodies in Australia with your Amex Platinum Business Card will earn points at a reduced rate of 1 Amex Membership Rewards Point per $1 (effectively 0.5 or 0.33 airline points or miles).

Using Amex Membership Rewards Points

Amex Membership Rewards Points earned with a Platinum Card can be converted to 13 airlines and 2 hotel loyalty programs, generally at a 2:1 conversion rate. Here’s the full list:

Transfer partners1 Amex Point equals…
Air New Zealand Airpoints0.005 Airpoints Dollars
British Airways Club0.5 Avios
Cathay (Asia Miles)0.5 miles
Emirates Skywards0.33 miles
Etihad Guest0.5 miles
Hawaiian Airlines HawaiianMiles0.5 miles
Hilton Honors0.5 miles
Malaysia Airlines Enrich0.5 points
Marriott Bonvoy0.67 points
Qantas Frequent Flyer (exclusively available with Amex Platinum cards)0.5 points
Qatar Airways Privilege Club0.5 Avios
Singapore Airlines KrisFlyer0.33 miles
THAI Royal Orchid Plus0.5 miles
Virgin Atlantic Flying Club0.5 points
Velocity Frequent Flyer0.5 points
Amex Membership Rewards transfer partners

See our Overview of Amex Membership Rewards Transfer Partners for more information.

Note that the option to transfer Amex Points to Qantas Frequent Flyer is an exclusive benefit for American Express Platinum and Centurion Card Members. It is not possible to transfer points earned from most other Amex credit cards – nor from other Australian bank-operated rewards programs – to Qantas Frequent Flyer.

Qantas 787 Business Class champagne and amenity kit
You can transfer your Amex Membership Rewards points to many different partner programs including Qantas Frequent Flyer, for use on reward flights or upgrades. Photo: Qantas.

Alternatively, you could redeem your points through the Amex Membership Rewards program for rewards including:

  • Gift cards
  • David Jones shop with Points
  • Amex Travel Online
  • Helloworld travel gift cards
  • Cash back

Digital news subscriptions

Amex Platinum Business Card Members receive complimentary subscriptions to two digital newspapers: The Australian (worth $364/year) and Wall Street Journal (worth around $166/year).

Access to the Amex Experiences App

The Amex Experiences App makes it easier for you to access the Premium Concierge service, and check out the latest information on Platinum benefits, travel offers, events and recommended merchants.

The App is available for download on Google Play or the App Store. This is not a replacement for the Amex App but can be used alongside it.

Summary

Signup bonus
250,000 Membership Rewards Bonus Points + half annual Card fee of $875 (normally $1,750) in the first year + 20,000 Bonus Points¹ , when you apply through the link on this page by 27 May 2025 and spend a minimum of $12,000 on eligible purchases in the first 3 months of approval date. T&Cs apply. New American Express Card Members only.
Points Earned
Earn 2.25 Membership Rewards points per $1 on all eligible business purchases, except for spend with government bodies, for which you will earn 1 point per $1 spent
Notable Benefits
    • New and existing American Express Card Members who apply by 27 May 2025 can enjoy a half annual Card fee of $875 (normally $1,750) in the first year. T&Cs apply.*
    • Up to 55 days cash flow
    • Unlimited access to over 1,200 lounge across 130 countries – including Delta and American Express lounges globally
    • Access to American Express Fine Hotels + Resorts perks & discounts
    • Complimentary status & memberships with a number of hotel loyalty programs including Accor Plus Membership valued at $399 per year
    • Complimentary Travel Insurance cover extended to Supplementary Platinum Card Members
    • Access to Amex Experiences App that gives you access to 24/7 Premium Concierge service in your pocket
    • Charge Card – Access a line of unsecured funding with flexible spending power^
    • Apple Pay, Google Pay and Samsung Pay
Annual fee
$875 in the first year (normally $1,750 p.a)*

The owner of Australian Frequent Flyer may receive a commission from the card issuer for each applicant of this card.

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Frequently Asked Questions (FAQs)

What are the requirements to apply for an Amex Platinum Business Card in Australia?

To apply for an Amex Platinum Business Card in Australia, you would need to be an Australian citizen or resident and be a director or controller of a GST-registered business with a valid ABN. Other criteria may apply.

Does the Amex Platinum Business Card have a minimum credit limit?

The Amex Platinum Business Card is a Charge card. This allows you Access to a line of unsecured funding with flexible spending power.^

Is the Amex Platinum Business Card a credit card?

No, the American Express Platinum Business Card is a charge card. This means you will need to pay off the card balance in full each month. (There are flexible payment options if needed, but interest applies if your business needs to use this.)

Can you use the Amex Platinum Business Card to pay tax bills?

Yes, but payments to government bodies including the Australian Tax Office (ATO) will earn points at a reduced rate of 1 Amex Point per dollar (instead of the usual 2.25 points per dollar).

Do Amex Membership Rewards Points expire?

Amex Membership Rewards Points do not expire, as long as your account remains open and in good standing. This can be useful as it means you can keep the points in your Amex Membership Rewards account until you need to use them, then transfer the points to a frequent flyer program of your choice – preventing them from expiring in the airline’s program.

What airport lounges can you access with an American Express Platinum Business Card?

The primary Card Member receives access to Amex Centurion Lounges, Priority Pass lounges and Virgin Australia Lounges when flying the same day on a Virgin Australia domestic flight. Additionally, one Employee Card member can be nominated to receive unlimited Priority Pass lounge access.

What hotel statuses do you get with the Amex Platinum Business Card?

Australian Amex Platinum Business Card members receive Hilton Honors Gold status, Marriott Bonvoy Gold Elite, Radisson Rewards Premium status and Accor ALL Silver status via Accor Plus.

What are the differences between the Amex Platinum and Amex Platinum Business Cards?

The American Express Platinum Business Card offers many of the same benefits as the personal American Express Platinum Card, but there are a few differences. For example, the personal Amex Platinum Card has a lower annual fee, access to more airport lounges, annual travel, dining and fashion credits. On the other hand, while the Amex Platinum Business Card has a slightly higher annual fee, it offers the ability to add up to 99 Employee Cards, a higher number of cash flow days and car rental benefits such as discounts and upgrades with Hertz and Avis upon enrolment.

Can you add additional Card Members?

Yes, Amex Platinum Business Card Members can issue up to 99 Employee Cards at no extra cost.

¹ Bonus & Eligibility

250,000 Bonus Membership Rewards Points + $875 Year 1 annual Card fee + additional 20,000 Bonus Points: Offer is only available to new American Express Card Members who apply via the link on this page by 27 May 2025, are approved and spend $12,000 on eligible purchases on their new Card in the first three (3) months from the Card approval date. If you apply via a different link or visit the American Express website separately, you will not be eligible for the offer. The American Express® Platinum Business Card will have an annual Card fee of $875 in the first year for new and existing Card Members who apply by 27 May 2025. From the second year of membership an annual Card fee of $1,750 applies. 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 months are ineligible for the 270,000 Bonus Membership Rewards points offer. 270,000 Bonus Membership Rewards 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. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.

² Employee Cards

Employee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1) Employee Card.

^ Flexible Spending Power

Unless American Express 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 business’ 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, make regular transactions and don’t miss any payments.

⁴ Extend your cash flow by up to 55 days

Depending 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 is issued.

⁵ American Express Membership Rewards program

Subject to the Terms and Conditions of the Membership Rewards program available here. Merchants classified as “government“ include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. There may be tax implications associated with participation in the Membership Rewards program. You are advised to check with your accountant or tax adviser for further information.

Subject to the Terms and Conditions of the Membership Rewards Gateway program available at americanexpress.com/en-au/rewards/membership-rewards/terms. To transfer Membership Rewards points into an Airline or Frequent Guest Partner Program you must be a member of the Partner Program. Membership of the Partner Program is the Card Members responsibility and is subject to the terms and conditions of the applicable Program. A joining fee may apply. Award seats are not available on all routes. Please check availability with the Partner prior to transferring your points. Charges/levies/taxes may apply. The redemption of points will be administered solely by American Express. A minimum transfer amount applies. Points transferred to Partner Airlines are not reversible and American Express holds no responsibility for flight or accommodation availability, which may be limited. This is at the sole discretion of the Airline and Hotel Partners.

⁶ Points Expiry

There is no expiry on points as long as the Card Account is active, enrolled in Membership Rewards program and is kept in good standing and not overdue.

⁷ The American Express Global Lounge Collection

Please note, some lounges may require you to present your physical Platinum Card to gain entry into their lounges. We highly recommend travelling with your physical Card as some lounges may not accept digital Cards.

  • 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. 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 and present The Centurion Lounge agent with the following upon each visit: their valid 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 this 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 behavior 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 authorize 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.
  • The Centurion Lounge – Sydney & Melbourne, Australia: The Centurion Lounges in Sydney and Melbourne, Australia may vary to the Global Lounge Collection terms. For more information on the Australian Lounges access, visit americanexpress.com.au/airportlounge
  • Escape Lounges – The Centurion® Studio Partner: This benefit is available to the Platinum Card. 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: 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 3 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. All Delta Sky Club rules apply to Delta Sky Club membership and use. To review the rules, please visit delta.com/skyclub. Benefit and rules subject to change without notice. Additional restrictions may apply.
  • 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 Access is complimentary for Primary Platinum Card Member 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 in Australia only. Name on boarding pass must match the name on Platinum Card and boarding pass must be presented. The Platinum Card Member and guest must present their physical valid Card and same-day boarding pass (containing your Virgin Australia Velocity Frequent Flyer number and status) to Virgin Australia lounge agents. 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 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. 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 https://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 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 www.americanexpress.com/findalounge.

⁸ Flexible Payment Option

With Flexible Payment Option, you will be charged interest if you do not pay your Closing Balance in full by the due date each month. Please refer to your monthly statements for the current interest rate and Terms and Conditions for number of interest free days. Please refer to the full Flexible Payment Option Terms and Conditions

⁹ Insurance

The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Platinum Business Card to pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Platinum Business Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs.
This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.

¹⁰ Accor Plus Complimentary Membership

An annual Accor Plus membership is valued at AU$399, found at accorplus.com/au/benefits as at 1 August 2022. Enrolment is required to receive a complimentary Accor Plus membership. An Accor Plus 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 Accor Plus member at time of booking. Accommodation bookings must be made through all.accor.com or accorplus.com 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 Accor Plus membership standard eligibility criteria will apply to you. Visit accorplus.com for full membership conditions, benefits and participating properties. Room allotment for Stay Plus complimentary night stays are limited each night per participating property and must be made by visiting and booking through all.accor.com or accorplus.com. Membership privileges are subject to exceptions listed at accorplus.com/au/benefits-exceptions.

¹¹ Fine Hotels + Resorts

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.

¹² The Hotel Collection

Valid only for new The Hotel Collection bookings of a minimum of two consecutive nights with participating providers made through American Express Travel Online (americanexpress.com.au/travel or americanexpress.com.au/thc), Platinum Travel Service or Centurion Travel Service. Online bookings currently only available to Primary Card Members. Payment must be made in full with an eligible American Express Card in the Card Member’s name. Card Member must travel on itinerary booked to be eligible for benefits described. Primary Card Member may be able to use Membership Rewards® points and the Platinum Travel Credit on the American Express Travel website or on request through Platinum Travel Service or Centurion Travel Service as payment towards The Hotel Collection, if the selected hotel and room type provides you the option to prepay in advance. The eligible Card Member will receive the credit as a deduction from the final hotel bill when checking out of the hotel; they will receive $1 for each eligible dollar spent up to US$100. Eligible spend includes dining, spa and resort activities. Eligible spend does not include charges for taxes, gratuities, fees and cost of room. Additional exclusions based on specific hotel restrictions may also apply (including without limitation purchases within the hotel that are unaffiliated and/or owned by third parties) – see hotel front desk for details. Credit must be used in conjunction with initial stay and cannot be carried over to another stay, is not redeemable for cash and expires at check-out. Credit is non-exchangeable and non-refundable and is applied in USD or equivalent in local currency based on exchange rate on day of arrival. Limit one credit per room, per stay. Three-room limit per Card Member per stay. Back-to-back stays booked by a single Card Member, Card Members staying in the same room or Card Members traveling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional The Hotel Collection benefits (“Prohibited Action”). American Express and the Property reserve the right to modify or revoke The Hotel Collection benefits at any time without notice if we or they determine, in our or their sole discretion, that you have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your the Hotel Collection benefits. If an eligible Card Member cancels their room, any additional rooms will no longer qualify for benefits as the eligible Card Member must be staying at the hotel. Participating providers and benefits subject to change. Taxes, surcharges and additional fees are as supplied by the hotel at the time of reservation; however they are subject to change and will be charged as applicable at the time of settlement of your hotel account. Note that payments made in foreign currencies will be subject to a foreign currency conversion and fee at the time of payment upon departure. A one category room upgrade is based on availability and eligibility at check-in to the hotel.

¹³ Hertz Gold Plus Rewards®

Benefits vary by market and location of rental, and may be subject to availability. Hertz Gold Plus Rewards® enrolment is required to enjoy all benefits. Terms and Conditions apply. Visit the Hertz Gold Plus Rewards® website for full Terms and Conditions. American Express Terms and Conditions apply. American Express reserves the right to instruct Hertz to cancel your membership if you cease to be a Platinum Business Card Member or your Account is not in good standing. Available for the American Express Platinum Business Card Member. Payment must be made in full with an American Express Platinum Business Card in the Platinum Business Card Member’s name. Eligible Platinum Business Card Member must travel on itinerary booked to be eligible for benefits described.

¹⁴ Avis Preferred

Enrolment in the Avis Preferred program is required to receive benefits. Benefits are subject to change. All Avis Preferred Terms and Conditions apply. To view partner Terms and Conditions, visit www.avispreferred.eu. American Express Terms and Conditions apply. American Express reserves the right to instruct Avis to cancel your membership if you cease to be a Platinum Card Member or if your Account is not in good standing.

¹⁵ Mobile Wallets

Mobile Wallets: Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the US and other countries. Apple Pay®, Touch ID and Face ID are trademarks of Apple Inc. Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Samsung Pay is available on select Samsung devices. Google Play™ and the Google Logo are trademarks of Google LLC.

¹⁶ 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. 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 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 Insiders’ Briefing virtual event held twice per calendar year. 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. 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.

¹⁷ Hotel Elite Status

Marriott BonvoyTM – As an American Express Platinum Business Card Member you are eligible to enroll in complimentary Marriott Bonvoy™ Gold Elite Status. Once you request enrollment within the Marriott Bonvoy at the Gold Elite Status level, American Express will share your enrolment information with The Marriott Bonvoy™ Program (Marriott Bonvoy™). Marriott Bonvoy may use this information in accordance with its privacy statement available at 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 https://www.marriott.com/loyalty/terms/default.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.

Hotel Elite Status – Hilton Honors. As a Platinum Card Member you are eligible to enrol in complimentary Hilton Honors Gold status. Offer available only to Platinum Card Members and is not transferable. Full details of Gold status can be found at HiltonHonors.com/MemberBenefits and is 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. 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. All Hampton by Hilton™ hotels in the Republic of China are excluded from the Hilton Honors program.

Visit HiltonHonors.com/Terms for more details. Effective April 2, 2018, the Earnings Style Options program, including Points and Points and Points and Miles, is no longer a valid feature of Hilton Honors. Any claims relating to the earning of Points and/or Miles under the Earnings Style Option program after April 2, 2018 are void.

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. 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.

¹⁸ American Express Travel

You can redeem points for prepaid travel of a nominated value through American Express Travel Online with the point-of-purchase redemption capability. Travel bookings using points may be made for any person, provided all your Accounts are kept in good standing and are not overdue. All travel bookings are subject to availability. Subject to the American Express Travel Online standard booking Terms and Conditions.

Bert is the General Manager of Australian Frequent Flyer, based in Melbourne. With a background in genetics, Bert now uses his scientific research skills to research the best ways to earn and use points to help family and friends, get to his favourite destination of Singapore, and visit family in his homeland of Belgium. When he's not enjoying Belgian beer and fries, you might find him cycling or surfing.
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