Credit Card Offers Amex Platinum Card Benefits, Offers & Discussion

Enjoy a world of travel benefits and 150,000 bonus Amex Membership Rewards Premium Ascent points...​

Learn more and apply for this card:

American Express® Platinum Card

The American Express (Amex) Platinum charge card is one of the best publicly-available cards in Australia for travel benefits.

www.australianfrequentflyer.com.au

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What are the main benefits of this card?

1. Signup bonus: 150,000 Amex Membership Rewards Points (worth 75,000 Qantas Points, Velocity Points, Avios or Asia Miles, among other options) when you apply by 28 January 2025 and spend at least $5,000 within 3 months
2. Earn 2.25 Amex Membership Rewards points per $1 spent on everyday purchases, uncapped. You can transfer these points to 12 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 additional 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. Receive a $450 annual travel credit, plus airfare discounts, $400 worth of annual dining credits, subscriptions to The Australian & Wall Street Journal, plus many more exclusive benefits!

Why we like the American Express Platinum Card

Packed full of travel perks, the American Express Platinum Card is one of the best publicly-available cards in Australia for frequent flyers.

With a $1,450 annual fee, this metal card is not for everyone. But the return on investment for the high annual fee is strong, as it comes with a lot of useful benefits! This includes an annual travel credit, dining credits and unlimited access to Virgin Australia, Delta, Lufthansa, Priority Pass, Plaza Premium and Amex Centurion airport lounges.

There are also some great hotel perks including a free annual hotel night, Accor Plus membership, Fine Hotels + Resorts benefits and complimentary elite status with Hilton, Marriott and Radisson.

For points collectors, this is one of the most lucrative cards available in Australia. You’ll earn 2.25 Amex Membership Rewards Ascent Premium points per $1 spent on eligible transactions. Points transfer to most frequent flyer programs at a 2:1 rate, although there are some exceptions (e.g. it's 3:1 to KrisFlyer and Emirates).

You can convert your Amex points to around 12 airlines including Qantas, Virgin Australia, Qatar Airways, Singapore Airlines, Cathay Pacific, Virgin Atlantic, Emirates and Etihad! Plus, you can transfer points to two hotel loyalty programs for even more redemption possibilities.

To sweeten the deal, new cardholders who apply by 28 January 2025 can also earn 150,000 bonus Amex Membership Rewards points when spending at least $5,000 on the card within 3 months of approval. See our card guide for the full details:

American Express® Platinum Card

The American Express (Amex) Platinum charge card is one of the best publicly-available cards in Australia for travel benefits.

www.australianfrequentflyer.com.au

AFF members are welcome to discuss this card in this thread.

 

[lovestotravel]

The insurance is one of my favourite features. The points source is irrelevant.

Incorrect

The Platinum card’s insurance T&Cs say that you have to use your corresponding Membership Rewards points or frequent flyer points (listed on the same line) to pay for the full amount of your outbound ticket. To me, corresponding indicates the frequent flyer points need to be derived from your Amex account and from no other sources.

Maybe you’ll be covered, sure, but I’m not willing to risk a US trip and a $1 mil in medical costs to find out if Chubb thinks otherwise.

I had this question/doubt recently and decided to purchase a standalone policy as I used points that were derived from 2 other credit cards and FlyBuys.

I have no idea how they Chubb, would work out what points were used for the actual flight booking.

I will send Chubb an email to try to get some clarity as I'll have the same problem again in a few months...

 

[sudoer]

I have no idea how they Chubb, would work out what points were used for the actual flight booking.

They just want to see the last four digits of your Amex for payment of the tax component apparently.

Several members on AFF reported not needing to show evidence of the points source.

 

[_TheTraveller_]

No survey here but would be happy with a $200 bump with no FX

 

[sudoer]

For anyone wondering if they got a survey, search your inbox for the following email around 10am Tuesday morning.

From: [email protected]
Subject: Your opinon [sic] can make a difference

 

[muppet]

They just want to see the last four digits of your Amex for payment of the tax component apparently.

Several members on AFF reported not needing to show evidence of the points source.

i’ve had the same for delay claims. Problem is, let’s see Chubb’s approach after we’ve spent a few weeks in a US hospital and need to be flown home … bet a different agent handles that claim.

 

[SeaWolf]

For anyone wondering if they got a survey, search your inbox for the following email around 10am Tuesday morning.

From: [email protected]
Subject: Your opinon [sic] can make a difference

I did get a survey, but for some reason whenever I get surveys from AmEx it's about the Platinum Reserve card, which I barely use. No questions about fees but a lot of questions about which other cards I use and why. As always I mentioned the foreign exchange fees as a big reason when I direct spend to another card.

 

[_TheTraveller_]

For anyone wondering if they got a survey, search your inbox for the following email around 10am Tuesday morning.

From: [email protected]
Subject: Your opinon [sic] can make a difference

Nothing here... I guess I don't spend enough

 

[Mr He]

Did the survey sometime last week. No matter how much they increase the AF (I think there're three possible price tags in the survey), I selected "Definitely would", indicating I would hold the card regardless. Too good to let it goMaybe it's cardholders like me who have emboldened Amex AU to some extent?

PS: Attaching my answer to the question regarding the benefits currently offered with the Platinum Card. "If you had 100 points to allocate across these benefits, to represent how valuable they are to you, how would you allocate them?". I remember I spent the longest time answering this question (partly because I did take the survey seriously).

 

[mikedesign]

PS: Attaching my answer to the question regarding the benefits currently offered with the Platinum Card. "If you had 100 points to allocate across these benefits, to represent how valuable they are to you, how would you allocate them?". I remember I spent the longest time answering this question (partly because I did take the survey seriously).

We should all get a giftcard for taking this survey seriously and doing that much maths

 

[wsthong]

Did the survey sometime last week. No matter how much they increase the AF (I think there're three possible price tags in the survey), I selected "Definitely would", indicating I would hold the card regardless. Too good to let it goMaybe it's cardholders like me who have emboldened Amex AU to some extent?

PS: Attaching my answer to the question regarding the benefits currently offered with the Platinum Card. "If you had 100 points to allocate across these benefits, to represent how valuable they are to you, how would you allocate them?". I remember I spent the longest time answering this question (partly because I did take the survey seriously). View attachment 383008

I'll give a few more "0" to some of the questions. Of course everyone benefit is a personal preference

 

[SeaWolf]

There's some stuff there I wouldn't even describe as a benefit, more like a standard service you'd expect of these thing. Stuff like "customer service and fraud support" or "booking via AmEx Travel Online portal".

Of course you'd expect a credit card to come with fraud support and a travel provider to have online booking, these aren't benefit as such.

 

[RealtimeY]

"booking via AmEx Travel Online portal"

If only you could give negative numbers to some benefits

 

[andye]

If only you could give negative numbers to some benefits

It would be interesting to try. Algorithm might permit

 

[DC3]

Did the survey sometime last week. No matter how much they increase the AF (I think there're three possible price tags in the survey), I selected "Definitely would", indicating I would hold the card regardless.

And threw us all under the bus.

 

[ShaunM88]

I genuinely struggle now to see benefits. I put a lot through the card (mix of personal and business) at around 150k a month. They kept dropping my limit from around 180k down to 40k and then today at 26k even though every payment has been early on the account. Credit wont even discuss and just say I need a business card. Yet the business card had almost no benefits.

 

[levelnine]

I genuinely struggle now to see benefits. I put a lot through the card (mix of personal and business) at around 150k a month. They kept dropping my limit from around 180k down to 40k and then today at 26k even though every payment has been early on the account. Credit wont even discuss and just say I need a business card. Yet the business card had almost no benefits.

The question for big spenders like yourself: where else are you going to go?

 

[Mr He]

I genuinely struggle now to see benefits. I put a lot through the card (mix of personal and business) at around 150k a month. They kept dropping my limit from around 180k down to 40k and then today at 26k even though every payment has been early on the account. Credit wont even discuss and just say I need a business card. Yet the business card had almost no benefits.

Time to get a business card, otherwise they might do FR and eventually close your personal account. Because 150k a month does look suspicious on a personal card, if you only earn (or report) an annual income around 100k, or even under 1m. Their business cards do have a lot of "other" benefits, like up to 99 supplementary card, each of which provides complementary lounge access, travel insurance, etc. I would personally recommend the QBR one and the Platinum Business. Also, if you hold the Platinum Business and Platinum Personal at the same time, there's a way to reduce your total AF by quite a lot.

 

[ShaunM88]

The question for big spenders like yourself: where else are you going to go?

It is a question as most cap out at around 12k a month in points. Multiple cards like ANZ Black etc could work and we can easily have the limits in 4 cards total.

Time to get a business card, otherwise they might do FR and eventually close your personal account. Because 150k a month does look suspicious on a personal card, if you only report your annual income only around 100k, or even under 1m. Their business cards do have a lot of "other" benefits, like up to 99 supplementary card, each of which provides complementary lounge access, travel insurance, etc. I would personally recommend the QBR one and the Platinum Business. Also, if you hold the Platinum Business and Platinum Personal at the same time, there's a way to reduce your total AF by quite a lot.

Id be okay with that, but I dont want the doubling of fees. I'm not paying 1.7k + for a card which gets no benefits really and actually less than I have on the platinum.

Id be more incline to make a 20k payment every few days

 

[Franko Costa]

The only other option is the citi prestige card.

The biggest issue with AU cards is that they all cap their points

 

[Daver6]

Also, if you hold the Platinum Business and Platinum Personal at the same time, there's a way to reduce your total AF by quite a lot.

Can you elaborate on this or is that a fight club kinda thing?