American ExpressAmerican Express® Platinum Business Card
For business owners who value exceptional service and rewards.
At a glance
- Purchase rate
- 23.99%
- Annual fee
- $1,750
- Foreign transaction fee
- 3.50%
- Rewards
- Membership Rewards
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Business credit card purchase rateOngoing purchase rate, not introductory offers | 23.99% | 6.96%Greater Bank's Business Visa Credit Card | 13.49%of 14 institutions | 14th lowest of 14 |
Rates
The one rate American Express publishes for this credit card.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| PurchaseFlexible Payment Option rate applied to the portion of your statement balance carried forward up to your FPO limit. | - | - | - | 23.99% | - | - |
Fees
7 fees published, grouped by when they're charged.
While you hold it2
- Annual Fee
American Express may, at its discretion, discount the annual fee where the customer holds an eligible American Express Personal Platinum Card and meets all other applicable eligibility criteria.
$1,750 a year - Business Employee Card Fee
$0 annual Employee Card fee for up to 99 cards (this limit includes both active and cancelled Employee Cards).
No fee
When you make a transaction2
- Over The Counter Fee
$3 Payable if you pay your Card Account in person at Australia Post by EFTPOS.
$3 - Currency Conversion Fee
3.5% of the converted amount. Payable when any charge is processed in a currency other than Australian dollars.
3.50% of transaction
When particular things happen3
- Dishonour Fee
$20 for each dishonour or debit rejection.
$20 - Late Payment Fee
Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount.
3.00% of balance - Record of Charge Fee
Payable when you or the Employee Card Member requests a copy of an individual charge. $7 for charges in Australia, or $10 for other charges.
$7
Features
- Enjoy exciting offers and deals with Amex Offers that add value to your Card Membership. Amex Offers must be saved to the Card and used for qualifying spend, subject to offer-specific criteria, to re…
- Get pre-sale tickets and access to some of your favourite events, and enjoy the Amex Entertainment Lounge before the show at select venues. With Amex, you can dive into unforgettable experiences.
- Optimise your cash flow by choosing to pay off a portion of your balance, up to your FPO limit, over time. Subject to interest.
- Give your business financial breathing room with up to 55 days to pay for purchases.
- Priority Pass™ complimentary airport lounge access worldwide
- Complimentary access for the Card Member to all AMEX Centurion Lounge locations.
- Enjoy a full digital subscription to The Australian, which includes The Australian Business Review, and full digital access to The Wall Street Journal, plus content from The Times of London and Harva…
- We customise once-in-a-lifetime events – from sporting and fashion to fine dining, art and performances.
- Card Members receive complimentary Plaza Premium lounge visits worldwide.
- Card Members receive complimentary Delta Sky Club visits worldwide when flying Delta.
- Primary Card Members receive complimentary Virgin Australia Lounge access with up to one guest at selected domestic airports when flying on an eligible Virgin Australia flight, subject to availabilit…
- Every time you book with Fine Hotels + Resorts you’ll receive a range of complimentary benefits, including room upgrade (when available), breakfast for two, and 4pm late checkout.
Eligibility and limits
- Minimum age 18
- Residency: You are an Australian citizen or permanent resident or hold a long term visa.
- Available to businesses
- 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)…
- Business must be GST registered.
- Applications are assessed based on the information provided and are subject to credit approval.
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Published by American Express under the Consumer Data Right, last changed by them on 9 July 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.