American ExpressAmerican Express® Platinum Card
American Express's top tier card with a suite of elevated benefits including travel insurance.
At a glance
- Pricing
- Rates on application
- Annual fee
- $0
- Foreign transaction fee
- 3.50%
- Rewards
- Membership Rewards
Fees
8 fees published, grouped by when they're charged.
While you hold it2
- Additional Card Fee
Applies to the first 4 Additional Cards
No fee - Annual Fee$1,450 a year
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 happen4
- Additional Statement Fee
Payable if you or an Additional Card Member requests an additional posted monthly paper statement. You may access statements free of charge through your online Account.
$10 - Dishonour Fee
$6 for each dishonour or debit rejection. Payable if there aren’t enough funds in your nominated account to pay the Card Account or if the whole or part of a payment by direct debit is rejected.
$6 - 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 if you or an Additional Card Member requests a copy of an individual charge. $7 for charges in Australia, $10 for other charges
$7
Features
- Whether it's shopping, dining, travel or entertainment, eligible Card Members can access Amex Offers providing statement credits or bonus points. Amex Offers must be saved to the Card and used for qu…
- 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.
- Up to 44 days to pay for purchases.
- Priority Pass™ complimentary airport lounge access worldwide with a guest.
- Complimentary access to all Centurion Lounge locations with up to 1 guest.
- Gives you access to The Australian’s news coverage and analysis from here and around the world across all your devices as well as access to The Wall Street Journal. In addition, you will have access…
- Receive $450 to spend on domestic or international travel each year when you book eligible flights, hotels or car hire with the Platinum Travel Service or American Express Travel Online.
- 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 with up to 1 guest.
- 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…
- Receive a complimentary suite of benefits which offer an average total value of USD$550 at over 1,800 extraordinary properties worldwide when you book with Fine Hotels + Resorts. Complimentary benefi…
Eligibility and limits
- Minimum age 18
- Residency: You are an Australian citizen or permanent resident or hold a long term visa.
- Available to individuals
- Additional Cards are available for any friend or family member 16 years and over.
- 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 2 Oct 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.