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American Express Platinum Edge Credit Card

The American Express Platinum Edge Credit Card is a feature packed premium credit card with exceptional reward point earn rates.

In partnership with Virgin Australia the Platinum Edge credit card also includes a $200 Travel Credit every year you own the card.

Key features of The American Express Platinum Edge Credit Card

  • With the Platinum Edge Credit Card, you receive complimentary enrolment in the Membership Rewards Ascent program equating to a $80 saving.
  • Apple Pay - use your compatible iPhone, iPad and Apple Watch to securely pay with your card in store and within apps
  • Google Pay - use your compatible Android device to securely pay with your card in store and within apps
  • Exceptional reward point earn rates - earn up to 3 points per $1 spent as follows:
    • 3 points per dollar spent at the major supermarkets - Bi-Lo, Safeway, Woolworths, Coles, IGA, Fishers Fresh Provisions, Food for Less, Supabarn and macro Wholefoods.
    • 2 points per dollar spent at major petrol stations - BP, Shell, Caltex Woolworths, 7 Eleven, Woolworths Petrol, Safeway petrol, Peak & Gull
    • 1 point for every dollar spent on all other purchases - excluding utilities, insurance (except insurances offered by American Express), telecommunications providers and government bodies in Australia where you will earn 0.5 points for every $1 spent
  • 9 Airline Partners for point transfer - Option to transfer your rewards points to 9 Airline partners Including Virgin Australia Velocity Frequent Flyer, Emirates Skywards, Etihad Guest, Virgin Atlantic Flying Club, Singapore Airlines KrisFlyer, Air New Zealand Airpoints, THAI Royal Orchid Plus, Malaysia Airlines Enrich and Cathay Pacific Asia Miles
  • Start your holiday with a $200 Travel Credit every year - To redeem the Travel Credit, you must have paid the annual fee and minimum payment by the due date. The $200 Travel Credit can be redeemed against any single eligible online travel booking. The Travel Credit can be used for 365 days from the anniversary date and cannot be carried forward to any subsequent year. For bookings less than $200 any unused portion of the Travel Credit will be forfeited.
  • Book any travel and pay with your points instantly online at Webjet 
  • Earn points faster by getting up to 4 Supplementary Cards for family members at no additional cost
  • Turn your points into an experience with Ticketmaster - book at www.ticketmaster.com.au and select ‘Membership rewards’ as your payment option14. 

Complimentary Travel Insurance: With the Platinum Edge Credit Card, you'll get complimentary domestic and international Travel Insurance Cover when you pay for travel on your Card, you’ll also receive:

  • Overseas Medical Emergency Expenses Cover up to $2,500,000
  • Travel Cancellation Cover up to $10,000
  • Baggage, Money and Documentation Cover up to $10,000
  • Personal Liability Cover up to $1,000,000
  • Travel Inconvenience Cover may even cover you for flight delays, missed connections or luggage delays

World-class service

American Express offers unique and effective tools and services to save you time and help you stay on top of your finances.

  • With our Online Fraud Protection Guarantee you won't be held responsible for any unauthorised charges online as long as you notify us immediately upon discovery of the fraudulent transactions
  • With Buyer’s Advantage, you can extend your manufacturer’s warranty by up to 12 months on eligible items purchased with your American Express Platinum Edge Credit Card
  • If an item should break or is stolen within 90 days, Purchase Protection will replace it. You’re covered for up to $20,000 per year and $2,500 per claim with a $50 excess per claim
  • If you have a change of heart and are refused a refund on an unused eligible item within 90 days, Refund Protection will reimburse you. You’re covered for up to $2,000 per year and $500 per claim, with no excess
  • Global Card support means you can enjoy account assistance any time of the day or night
Credit Card Details
Provider American Express
Prestige Level Platinum
Credit Card Type American Express
Instant Approval Yes in 60 seconds
Standard Rates
Purchase Rate 20.74%
Cash Advance Rate -
Interest Charged From Statement date
Interest Free Period Up to 55 days
Balance Transfer
Balance Transfer Rate -
Balance Transfer Period -
Balance Transfer Fee -
Balance Transfer Processing Time -
Max. Balance Transfer -
Revert rate -
Benefits
Intro Offer No
Offer end date -
Rewards Program Ascent
Rewards Points Ascent Program: Up to 3x Membership Rewards Points, 3x points at major supermarkets, 2x points at major petrol stations, 1 point for every dollar spent on purchases and 0.5 points are awarded for spend with telecommunication providers and government bodies in Australia
Acceptance Criteria
Age to Apply 18
Min. Income $50,000
Residency Australia
Temporary residents Yes with 457 Visa
Min. Credit Limit $3,000
Joint applicants No
Fees & Terms
Min. Monthly Repayment $30
Annual Fee $195
Over Limit Fee $0
Duplicate Statement fee $10
Late Payment Fee $30
Min. Monthly Repayment % 2.50%
Max. Credit Limit $50,000
Cash advance fee -
Additional card holder fee $0
Travel & Insurance
Foreign currency conversion fee 3% of transaction value
Overseas atm withdrawal fee -
Complimentary travel insurance Yes, Overseas Medical Emergency Expenses Cover up to $2,500,000, Travel Cancellation Cover up to $10,000 Baggage, Money and Documentation Cover up to $10,000, Personal Liability Cover up to $1,000,000 Travel Inconvenience Cover may even cover you for flight delays, missed connections or luggage delays

What happens when I click "Go to site"?

  • 1

    Clicking Go to site will direct you to the providers web site

  • 2

    Complete the online application on the providers web site

  • 3

    Once approved the provider will issue your new product, delivery times will vary by provider.