I have one shot: Biz or Personal Plat?

[Deskorpio]

I applied and got granted Westpac card 3 months ago. Now had my eyes on Amex card. As I only have one shot (I believe), Which on will I be more likely approved for?
Business Plat Charge: 350k MR signup points and lounge access
Personal Plat Charge: up to 275k MR signup points and lounge access, travel credits, dining credits etc

Director of new PTY LTD , registered for GST, turnover>75k. Personal income 73k/yr as employee from another organisation. Married, partner earns good income. Excellent credit rating. No mortgage repayments, although mortg account still open with 250k avail for redraw , no other debts, living expenses on the lower side. Will only have 1 Cc with 6k limit.

Apart from the 350k points, I cant see the benefit of having Biz Plat over personal? If i use my personal Amex solely for business purpose, I will technically still be able to claim the fees thru business. However I heard that it’s easier to get approved for Biz than personal Amex. Anyone had experienced this here?

Thank you!

 

[elanshin]

Definitely easier for approval as business. They barely looked at anything nor asked for anything. Meanwhile banks for business need multi year history.

 

[Cynicor]

They don’t need anything for personal either. Amex just a bit random with approvals.

 

[Deskorpio]

Thank you @elanshin and @Cynicor .

 

[KingHuang]

I applied and got granted Westpac card 3 months ago. Now had my eyes on Amex card. As I only have one shot (I believe), Which on will I be more likely approved for?
Business Plat Charge: 350k MR signup points and lounge access
Personal Plat Charge: up to 275k MR signup points and lounge access, travel credits, dining credits etc

Director of new PTY LTD , registered for GST, turnover>75k. Personal income 73k/yr as employee from another organisation. Married, partner earns good income. Excellent credit rating. No mortgage repayments, although mortg account still open with 250k avail for redraw , no other debts, living expenses on the lower side. Will only have 1 Cc with 6k limit.

Apart from the 350k points, I cant see the benefit of having Biz Plat over personal? If i use my personal Amex solely for business purpose, I will technically still be able to claim the fees thru business. However I heard that it’s easier to get approved for Biz than personal Amex. Anyone had experienced this here?

Thank you!

sorry off topic a bit, was your westpac a business credit card? how did you end up going with Amex, which one did you go for?

 

[Deskorpio]

sorry off topic a bit, was your westpac a business credit card? how did you end up going with Amex, which one did you go for?

Just personal Westpac credit card. I got rejected for Amex Personal Platinum Charge , then straightaway applied for Business Plat Charge and got granted.