For me the retention offer was " welcome bonus year 2 " after my platinum charge card renew fee paid. totally no idea for that, I didn't ring Amex ask for points anyway.
you can test it with overpay the credit card first, for example credit limit $5000, you overpay it to $6000 , then top up no more than $1000 and see if you get points or not, no cash advance fee in this case.
I just purchased and got my platinum straight away , looks like you don't need to convert 3:1 for additional tier miles , so I still have 400,000 points to redeem.
You can use ZIP pay to pay the government fee then use dragon to pay back the zip account for points. this way bypassed CC government fee no points rules.