Offer ends: 14 Jul 2026
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Offer available to new American Express Card Members only. T&Cs apply.
Card Overview
Earn 350,000 Bonus Membership Rewards Points® Points when you apply by 14 July 2026, are approved and spend $12,000 on eligible purchases on your new American Express® Platinum Business Card within 3 months of your approval date.
Key Attributes
Earn
Membership Rewards Points per $1
2.25 Points
on all purchases, except those in the 1 Point category²
1 Point
on spend with government bodies in Australia²
Travel Benefits
Airport Lounge Access
Access to over 1,550+ airport lounges³
Travel Insurance
Complimentary Travel Insurance⁴. Terms, conditions, cover limits and exclusions apply (such as a maximum age limit of 79 when travel is purchased and a pre-existing medical condition(s) exclusion).
Points Cap
No
Annual Fee
$1,750 p.a.
ATO Points
Yes
1 Point per $1²
Overseas Transaction Fee
3%
of the converted amount
Interest-free Period
Up to 55 days9
Purchase Rate
N/A
Cash Advance Rate
N/A
Why Choose This Card
The American Express Platinum Business Card is built for businesses that spend heavily and travel often, packing in rewards and premium perks that easily outweigh the high annual fee. You’ll earn up to 2.25 Membership Rewards Points per dollar² on eligible purchases with no cap, giving you one of the most powerful Points-earning rates on the market. As a Charge Card⁵, it also provides flexible spending power tailored to your business, with up to 55 days to pay — helping manage cash flow while maximising rewards.
When it comes to travel, the American Express Platinum Business Card’s benefits are unmatched. Enjoy unlimited airport lounge access worldwide³ through Priority Pass and American Express’ own Centurion Lounges, plus automatic elite status⁶ ⁷ with leading hotel programs for upgrades and late check-outs. Complimentary travel insurance⁴ is included, while the card also allows up to 99 Employee Cards at no additional cost, consolidating company spend into one account and making it easier to track expenses.
Combined with American Express’ suite of business tools and reporting features, the Platinum Business Card offers serious value for companies looking to earn more Points, access premium travel benefits and streamline financial management.
This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.
Where could 350,000 Bonus Membership Rewards Points take you?
You could redeem them for the following:
Extra Benefits
Complimentary Insurance⁴
Complimentary insurance⁴, including Card Purchase Cover, Buyer’s Advantage Cover, Loss Damage Waiver Cover. Terms, conditions, cover limits and exclusions apply (such as a maximum age limit of 79 when travel is purchased and a pre-existing medical condition(s) exclusion). Read full PDS here.
Complimentary Hotel Status & Benefits
Get Marriott Bonvoy Gold Elite, Hilton Honors Gold, and Radisson Rewards Premium status⁷, as well as ALL Accor+ Explorer membership⁶ and access to American Express® Fine Hotels + Resorts⁸
Charge Card
Your Amex Platinum Business Charge Card comes with flexible spending power, also known as ‘no pre-set spending limit’, unless we tell you otherwise⁵. This means that the amount you can spend adapts based on your transaction patterns and other factors.
American Express is offering 350,000 Membership Rewards Points¹ who apply for the American Express Platinum Business Card by 14 July 2026 and spend $12,000 within the first 3 months from approval. T&Cs apply. Available for new American Express Card Members only
The card is aimed at business spenders who are looking for high points earn rates on spend, along with Amex Platinum service and a host of business and travel-related benefits.
It is worth knowing that Membership Rewards Ascent Premium points are transferable to over 10 major Airline Reward Partner Programs, including Qantas Frequent Flyer, Velocity Frequent Flyer, KrisFlyer, Asia Miles, Etihad Guest and more.
Card Details
| Card | American Express Business Platinum Card |
| Loyalty Program | American Express Membership Rewards |
| Points earned from spend | Earn 2.25 points per $1 spent on all purchases, except those in the 1 point category Earn 1 point per $1 spent with government bodies |
| Travel Benefits | Global and domestic lounge access |
| Included Insurance | Travel Insurance, Card Purchase Cover, Buyer's Advantage Cover, Monthly Business Expenses Cover and Loss Damage Waiver Cover (PDS) |
| Overseas transaction fee | 3% of the converted amount |
| Mobile wallet | Apple Pay, Google Pay and Samsung Pay |
| Minimum income requirement | Annual business revenue of $75,000 or more |
| Annual Fee | $1,750 p.a. |
Effective Frequent Flyer Program Point Earn Rates
| Frequent Flyer Program | All spend except on government bodies |
|---|---|
| Qantas Points | 1.125 points / $ |
| Singapore Airlines KrisFlyer miles | 0.75 miles / $ |
| Cathay Pacific Asia Miles | 0.75 miles / $ |
Key differences to the personal Platinum Card
- Up to 55 days cash flow
- Flexible Payment Option
- Up to 99 additional card members
- No $450 travel credit
- No complimentary guest privileges for Priority Pass lounges (guests are charged US$27 each)
For many people, the Platinum Card could be a more appropriate card. For those who have a lot of business-related spend then the Platinum Business Card could be useful and can provide additional cash flow to businesses.
Platinum Business is a Charge card
This is a Charge card and unless American Express tell you otherwise, your American Express Charge card comes with flexible spending power, also known as no-pre-set spending limit.5
This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your businesses credit rating and other factors. The way you use your Card can help your spending power grow, particularly in the first few months. To help maximise your spending power, you can make regular transactions and don’t miss any payments.
American Express offer some more detailed information regarding the differences between a charge and credit card here.
Benefits of the Business Platinum Card
The benefits of the Business Platinum Card include (take a deep breath):
- Earn Membership Rewards points, including the ability to transfer to Qantas Points2
- 99 additional card members free of charge
- Up to 55 days cash flow9
- Flexible Payment Option5
- Global and domestic lounge access: American Express and Priority Pass3
- Benefits when utilising travel booking services when using American Express Travel
- Travel Insurance (including points redemption bookings) and Card Purchase Cover, Buyer’s Advantage Cover, Loss Damage Waiver Cover (read full PDS here)
- Platinum’s By invitation only program, which gives access to events and experiences that are not open to the general public
Earning Points from Spend on the Platinum Business Card
With the American Express Platinum Business Card, you’ll be earning Membership Rewards Ascent Premium points.
In short, Membership Rewards partners with the major frequent flyer programs in the region as a flexible points program, which allows on-demand transfers of your points over to the frequent flyer program at your request.
On top of the standard benefits of Membership Rewards points, Platinum Business Card account holders are also able to transfer their points to Qantas Frequent Flyer, one of only a couple of cards in the market that can do this since it earns Membership Rewards Ascent Premium points (rather than earn directly into Qantas Points).
The Platinum Business Card earn rates are as follows:
- Earn 2.25 points per $1 spent on all purchases, except those in the 1 point category2
- Earn 1 point per $1 spent with government bodies2
The ability to earn 2.25 points per $1 on utility transactions including gas, water, electricity providers and insurances is a big plus for the card. You can also earn 1 point per $1 on all government spend such as at the Australian Taxation Office, Australia Post, federal/state and local government bodies.
Lounge Access
There are several lounge options you can take advantage of as a Platinum Business Card Member.3
American Express also has a growing network of Amex-branded airline lounges globally, including The Centurion® Lounge at Sydney Airport’s International Terminal and another at the Melbourne Airport.

Generally, you can bring two guests to the American Express lounges, as well as children travelling with you, and with the Platinum Card, you may be able to access the The Centurion® Lounge in Sydney, Melbourne and other International American Express lounges globally on an unlimited basis.
You’ll receive a Priority Pass lounge membership for you and an additional card member, which now includes eateries at Sydney, Melbourne and Brisbane Airports. Guests are charged US$35 each.
(There is also a 10% discount on paid Priority Pass memberships here for Point Hacks readers.)
Another lounge network that Platinum Card Members gain access to is Plaza Premium, which operates a small number of about 50 high-quality lounges worldwide, including a great lounge in Brisbane’s International Terminal. You can read more in our Plaza Premium guide.

Additionally, when travelling with Delta, a Platinum Card Member can access Delta SkyClub lounges.
Access to travel booking benefits and services through American Express Travel
American Express Travel is available to all Amex Card Members, but Platinum Business Card Members receive additional value.
For Business Class fares, Amex Travel has competitive pricing and has access to a wide range of discounts that may not be publicly available.
This is primarily across their partner airlines: British Airways, Delta, Emirates, Etihad, Singapore Airlines and South African Airways.
Beyond airfare, there are also a number of partner independent hotel chains which offer some exclusive benefits when booking through American Express Travel.
There’s then the major hotel program benefit – American Express Fine Hotels + Resorts.
American Express Fine Hotels + Resorts is only for Platinum Card Members
American Express Fine Hotels + Resorts⁸ is a unique benefit for Card Members, which offers more hotel benefits when booked through American Express.

With many Fine Hotels + Resorts bookings you’ll also continue to receive points and status with the parent hotel loyalty program too.
The benefits may include:
- An on property benefit, often $100 USD in credit per stay
- 12pm check in
- Room upgrade if available
- Free breakfast
- Guaranteed 4pm late checkout
- Free wifi
Business Platinum Card Members also have access to The Hotel Collection, which is a smaller set of high-end (as opposed to ultra high-end) properties, where they can get a free room upgrade and US$100 hotel credit. In addition, you may also use Pay with Points when booking a stay at properties under The Hotel Collection. This essentially allows you to use your Membership Rewards points to pre-pay your hotel stay.
Complimentary Hotel Status
The Platinum Business Card comes with a range of hotel and other elite status benefits⁷. We’ve covered off exactly what you’ll receive in a dedicated guide, but the key benefits are Marriott Bonvoy Gold Elite, Hilton Honors Gold, and Radisson Rewards Premium status.
Complimentary ALL Accor+ Explorer membership
Also included with the Platinum Card is a complimentary membership to ALL Accor+ Explorer, which has an annual fee of $349 if bought separately.
This membership offers benefits such as a free night at a hotel in the Asia-Pacific each year you hold the card and the potential for large discounts at restaurants within hotels, even when you are not staying at one.

Flexible Payment Option
Business owners can free up their cash flow with an instant line of credit on their Charge Card. Instead of paying off the balance in full each statement period, it can be paid off over time.5
How it works:
- The Card Member will receive a statement at the end of each statement period summarising their spend
- They can choose to pay the Closing Balance, the minimum amount due, or any amount in between (up to their Flexible Payment Option Limit).
- They can carry over any unpaid amount to their next month’s balance. Any amount not paid in full will incur interest at a rate of 23.99% p.a. until repaid.
With Flexible Payment Option, you will be charged interest if you do not pay your Closing Balance in full by the due date each month. Please refer to your monthly statements for the current interest rate. Please refer to the full Flexible Payment Option Terms and Conditions.
Travel and Other Insurance
It is difficult to provide too much commentary on the card’s insurance coverage4 given that each person’s insurance needs are different, so check out the full Platinum Business Card Insurance PDS and assess whether it will cover your needs.
Depending upon the type of cover, the insurance is activated by either just being a Platinum Business Card Member, or by making a purchase of an eligible item.
The insurances included are:
- Buyer’s Advantage Cover
- Travel Insurance, including for points redemption bookings from using points earned by your Platinum Business Card
- Card Purchase Cover
- Roadside Assistance
- Up to $125,000 of Loss Damage Waiver Cover
This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.
Access to the Amex Experiences App
The Amex Experiences App makes it easier for you to access the Premium Concierge service, and check out the latest information on Platinum benefits, travel offers, events and recommended merchants.
The App is available for download on Google Play or the App Store. This is not a replacement for the Amex App but can be used alongside it.
Mobile wallet integration
American Express Cards work with Apple Pay®, Google Wallet™ and Samsung Pay, meaning you can use this card on your smartphone for easier payments.
Read the Point Hacks guide to using Apple Pay or for using Google Wallet and Samsung Pay, including instructions on how to add your American Express card to those services.
With this feature set up, it means you could still use your NFC-enabled phone to make purchases with your American Express account, even if your physical card is lost or stolen and pending replacement.
Summing up: American Express Platinum Business Card
The expectation of most people is that this card should tick all the boxes since it combines plenty of Business-related features along with some very useful travel benefits.
If you have a lot of business spend to put into the card and are likely to utilise the softer benefits such as adding up to 99 Employee Card Members free of charge, up to 55 days cash flow or insurance protections, then this card may be for you.
Eligibility Criteria
These are the minimum requirements to be eligible to apply for this Card. Other additional eligibility criteria, such as proof of income, will generally be required later on.
-
Be aged 18 years or over
-
Be a permanent Australian resident or a non-permanent resident with more than 12 months remaining on your visa
-
Have a good credit history and no payment defaults
-
Annual business revenue of $75,000 or more
-
Be a Director or Controller of the business
-
Business owner with a valid ABN – Sole Trader, Company or Trust
-
To be eligible for the bonus offer, you must not hold, or have held, any American Express® Card issued in Australia in the past 18 months
Frequently Asked Questions
Is there a cap on how many Points can be earned from eligible spend?
No, there is no cap on the number of Membership Rewards Points you can earn on eligible spend.²
What's the difference between a credit card and a charge card?
A Charge Card is a Card that comes with flexible spending power, also known as no pre-set spending limit and no interest on purchases, as long as your balance is paid in full each statement period. As you establish a spending and payment history, the amount you can charge on the Card can grow.
A Credit Card is a Card with a fixed limit that can be increased by request, up to a specified amount.
As with a Charge Card, you’ll pay no interest on purchases as long as the balance is paid in full each statement period. Should you choose to carry over an amount, you’ll be charged interest at the rate of your chosen Card. The Amex Platinum Business Card is a Charge Card.⁵
What airport lounge access is included?
The card provides unlimited access to over 1,550+ airport lounges globally, including the Amex Centurion and Priority Pass networks.³
What kind of travel insurance is included?
Travel Insurance cover is included for the Primary and Employee Card Members when travel is booked using the Card. Terms, conditions, cover limits and exclusions apply (such as a maximum age limit of 79 when travel is purchased and a pre-existing medical condition(s) exclusion).⁴ Read full PDS here.
Can the Membership Rewards Points be transferred to frequent flyer and hotel partner programs?
Yes — you can transfer Membership Rewards Points to multiple airline and hotel loyalty programs, including some major airlines such as Qantas, Virgin Australia, Singapore Airlines and Qatar Airways.
Terms and Conditions
1. Bonus & Eligibility
350,000 Bonus Membership Rewards Points: Offer only available to new American Express Card Members who apply by 14 July 2026, are approved and spend $12,000 on eligible purchases on their new Card in the first three (3) months from the Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer. 350,000 Bonus Membership Rewards Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. Subject to the Terms and Conditions of the Membership Rewards Program available at americanexpress.com/en-au/rewards/membership-rewards/terms. The American Express® Platinum Business Card has an Annual Card Fee of $1,750. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
2. Earn Rate
Subject to the Terms and Conditions of the Membership Rewards program available here. Merchants classified as “government“ include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. There may be tax implications associated with participation in the Membership Rewards program. You are advised to check with your accountant or tax adviser for further information.
3. The American Express Global Lounge Collection
- The Centurion® Lounge: Platinum Card Members have complimentary access to all locations of The Centurion Lounge. Gold Card and Green Card Additional Cards on your Platinum account are not eligible for complimentary access. Card Members may bring up to two (2) companions into The Centurion Lounge locations in the U.S. and select international locations as set forth on the Centurion Lounge website at thecenturionlounge.com (the “Centurion Lounge Website”). Guest access policies (including, but not limited to, guest fees and number of complimentary guests per visit) applicable to international locations of The Centurion Lounge may vary by location and are subject to change. Visit the Centurion Lounge Website to learn more about lounge locations and guest access policies applicable to international Centurion Lounge locations. For more information on the Australian Lounges access, visit americanexpress.com.au/airportlounge. All access to The Centurion Lounge is subject to space availability. To access The Centurion Lounge, Platinum Card Members must arrive within 3 hours of their departing flight (during a layover Platinum Card Members may enter The Centurion Lounge in the connecting airport at any time) and present The Centurion Lounge agent with the following upon each visit: their valid Platinum Card, a boarding pass showing a confirmed reservation for a departing flight on the same day on any carrier and a government-issued I.D. Note that select lounges allow access to Card Members with a confirmed reservation for any same-day travel (departure or arrival). Refer to the specific location’s access policy for more information. Failure to present the above documentation may result in access being denied. Card Members must be at least 18 years of age to enter without a parent or legal guardian. All Centurion Lounge visitors must be of legal drinking age in the jurisdiction where the Lounge is located to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behaviour or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Soliciting other Card Members for access into our lounge is not permissible. Hours may vary by location and are subject to change. Amenities vary among The Centurion Lounge locations and are subject to change. Card Members will not be compensated for changes in locations, rates or policies. In addition to the complimentary services and amenities in the Lounge, certain services, products or amenities may be offered for sale. You are responsible for any purchases and/or servicing charges you make in The Centurion Lounge or authorise our Member Services Professionals to make on your behalf. Services available at the Member Services Desk are based on the type of American Express Card used to enter the Lounge. American Express will not be liable for any articles lost or stolen or damages suffered by visitors to The Centurion Lounge. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with lounge access in any way or that you intend to do so, we may remove access to The Centurion Lounge from the Account. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice.
- Escape Lounges – The Centurion® Studio Partner: This benefit is available to Platinum Card Members. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Card Members receive complimentary access to all US locations of the Escape Lounges. Card Members may enter with up to two complimentary guests. Card Member must present his or her valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. Card Member must be at least 18 years of age to enter without a parent or legal guardian. All Escape Lounge visitors must be of legal drinking age in the jurisdiction where the Lounge is located to consume alcoholic beverages. Please drink responsibly. Card Member must adhere to all house rules of participating lounges. Card Members and their guests will receive all of the complimentary benefits and amenities afforded to the Escape Lounge customers, including access to purchase non-complimentary items. Some product features may be subject to additional charges. Escape Lounge locations are subject to change. Additional restrictions may apply.
- Escape Lounges – The Centurion® Studio Partner: This benefit is available to Platinum Card Members. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Card Members receive complimentary access to all US locations of the Escape Lounges. Card Members may enter with up to two complimentary guests. Card Member must present his or her valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. Card Member must be at least 18 years of age to enter without a parent or legal guardian. All Escape Lounge visitors must be of legal drinking age in the jurisdiction where the Lounge is located to consume alcoholic beverages. Please drink responsibly. Card Member must adhere to all house rules of participating lounges. Card Members and their guests will receive all of the complimentary benefits and amenities afforded to the Escape Lounge customers, including access to purchase non-complimentary items. Some product features may be subject to additional charges. Escape Lounge locations are subject to change. Additional restrictions may apply.
- Delta Sky Club:
Effective January 1, 2024: Eligible Card Members travelling on a same-day Delta-operated flight with Basic Economy (E) fare tickets will not have access to the Delta Sky Club or to Grab and Go.This benefit is available to the Platinum Card Members. Platinum Card Members must present their valid American Express Card, government-issued I.D., and boarding pass to the Delta Sky Club ambassador. Boarding pass must show a reservation for a same-day Delta-operated flight (Delta or Delta connection) departing from or arriving at the airport in which the Delta Sky Club is located. Name on boarding pass must match name on the Card. Eligible Platinum Card Members on departing flights can only access the Delta Sky Club within three hours of their flight’s scheduled departure time. During a connection between Delta-operated flights on the same ticket, you may use the Delta Sky Club in your connecting airport at any time during the layover. Delta reserves the right to limit access for non-revenue flyers at any Delta Sky Club. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Access to Delta Sky Club partner lounges is not permitted. Individuals must be at least 18 years of age to access Delta Sky Club, and 21 years of age to access locations with a self-service bar, unless accompanied by a responsible, supervising adult who has access to the lounge. Eligible Card Members must adhere to all Delta Sky Club House Rules while accessing participating airport clubs. Participating airport clubs and locations subject to change without notice. Eligible Platinum Card Members may bring guests into the Delta Sky Club subject to the most current Delta Sky Club access and pricing policies, and must use their valid Platinum Card as the payment method for guest access. Guests must also be flying on a same-day Delta-operated flight. Guest access and fees subject to terms and conditions of participating airport clubs.For the most current Delta Sky Club access and pricing policy, please visit delta.com/skyclubaccess. All Delta Sky Club rules apply to Delta Sky Club membership and use. To review the rules, please visit delta.com/skyclub. Benefit and rules subject to change without notice. Additional restrictions may apply. - Plaza Premium Lounges: This benefit is available to Platinum Card Members. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Card Members receive complimentary access to any global location of Plaza Premium Lounges. Card Member must present their valid Card, a confirmed boarding pass for same-day travel on any carrier and government-issued I.D. In some cases, Card Member must be 21 years of age to enter without a parent or guardian. Card Members may bring up to two (2) guests into Plaza Premium Lounges as complimentary guests. Card Member must adhere to all house rules of participating lounges. Card Members and their guests will receive all of the complimentary benefits and amenities afforded to the Plaza Premium Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Plaza Premium Lounge locations are subject to change.
- Virgin Australia: This benefit is available to Primary Platinum Card Members. Access is complimentary for Primary Platinum Card Members and one complimentary guest only. The Primary Platinum Card Member and guest must be travelling with Virgin Australia domestically on the same Virgin Australia flight. Access is to Virgin Australia-branded lounges at their city of departure in Australia only. The Platinum Card Member must present their valid Physical Platinum Card and same-day boarding pass to Virgin Australia lounge agents and the name on the boarding pass must match the name on the Platinum Card. The guest must also present their boarding pass. One guest per Primary Platinum Card Member permitted. All access is subject to space availability. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. This benefit is subject to change.
- Priority PassTM: Platinum Personal Charge Card. This benefit is available to Platinum Personal Charge Card Members. Platinum Card Members and one Additional Platinum Card Member as nominated by the Primary Card Member may enrol in the Priority Pass™ program. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Priority Pass is an independent airport lounge access program. You acknowledge and agree that American Express will verify your Card Account number and provide updated Card Account information to Priority Pass. Priority Pass will use this information to fulfill on the Priority Pass program and may use this information for marketing related to the program. Once enrolled, Platinum Card Members whose Card Account is not cancelled may access participating Priority Pass lounges by presenting your Priority Pass card and airline boarding pass. If the Card Account is cancelled, you will not be eligible for Priority Pass and your enrolment will be cancelled. At any visit to a Priority Pass lounge that admits guests, you may bring in 1 guest for no charge. You will be charged the prevailing retail rate for any additional guests. Some lounges do not admit guests. In some lounges, Priority Pass member must be 21 years of age to enter without a parent or guardian. Priority Pass members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package, and can be viewed at www.prioritypass.com. Upon receipt of your enrolment information, Priority Pass will send your Priority Pass card and membership package which you should receive within 10-14 business days. If you have not received the Priority Pass card after 14 days, please contact American Express using the number on the back of your American Express® Card. To receive immediate access to the lounges after enrolling in Priority Pass, you can activate your membership online by using your Priority Pass membership details to receive a Digital Membership Card. For a step-by-step guide on the activation process, visit prioritypass.com/activation.
- Lufthansa: This benefit is available to Platinum Card Members. Additional Gold Cards and Additional Green Cards on your Platinum Card Account are not eligible for complimentary access. Platinum Card Members have complimentary access to select Lufthansa Business Lounges (regardless of ticket class) and Lufthansa Senator Lounges (when flying business class) when flying on a Lufthansa Group flight. To access the Lufthansa lounges, Platinum Card Members must present their valid Platinum Card, a government issued I.D., and a same-day departure boarding pass showing confirmed reservation on a Lufthansa Group flight (Lufthansa, SWISS and Austrian airlines). Card Members must adhere to all rules of participating lounges. Participating lounges and locations subject to change without notice. Additional guest access and fees subject to terms and conditions of participating lounges. In some Lounges the Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly.For the most current list of Lufthansa lounges, guest access requirements, rules, and pricing policy, please visit https://www.lufthansa.com/de/en/lounges.
- Additional Global Lounge Collection Partner Lounges: American Express offers access to additional lounges in the Global Lounge Collection where Platinum Card Members have unlimited complimentary access to participating locations. Card Members must present their valid Platinum Card, a government-issued I.D., and a boarding pass showing a confirmed reservation for same-day travel on any carrier. Guest access and associated fees are subject to the terms and conditions of the participating lounge provider. Participation, locations, rates, and policies of lounges are subject to change without notice, and Card Members and their guests will not be compensated for such changes. Access is subject to space availability, including capacity restrictions and limited hours that may be placed on the participating lounge. Amenities, services, and hours may vary by participating lounge and are subject to change without notice. American Express will not be liable for any articles lost or stolen, or damages suffered by the Card Member or guests inside the participating lounge. For participating lounges with a self-service bar, the Card Member may be required to be of legal drinking age in the participating lounge jurisdiction to enter without a parent or legal guardian. All Card Members and their guests must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. Each participating lounge may have their own policy allowing for children under a certain age to enter for free with the Card Member who is a parent or legal guardian. Card Member must adhere to all house rules of participating lounges. Participating lounges reserve the right to remove any person from the premises for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive, or violent. If American Express, in our sole discretion, determines that the Card Member or their guests have engaged in abuse, misuse, or gaming in connection with access to participating lounges in any way, or that the Card Member or their guests intend to do so, we may remove access to the Additional Lounges from the Account. American Express and the participating lounge reserve the right to revise the rules at any time without notice. For the most current list of participating lounges and access requirements, please use the Lounge Finder feature in the American Express App or visit americanexpress.com.au/platinumlounges.
4. Insurance
The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Platinum Business Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Platinum Business Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs.
This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
5. Flexible Spending Power
Unless American Express tell you otherwise, your American Express Charge card comes with flexible spending power, also known as no-pre-set spending limit. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your business’ credit rating, and other factors. The way you use your Card can help your spending power grow, particularly in the first few months. To help maximise your spending power, make regular transactions and don’t miss any payments.
6. ALL Accor+ Explorer Membership
An annual ALL Accor+ Explorer Membership is valued at AU$349, found at accorplus.com/au/benefits as at 1 October 2025. Eligible American Express Card MembersAmerican Express offers access to additional lounges in the Global Lounge Collection where Platinum Card Members have unlimited complimentary access to participating locations. Card Members must present their valid Platinum Card, a government-issued I.D., and a boarding pass showing a confirmed reservation for same-day travel on any carrier. Guest access and associated fees are subject to the terms and conditions of the participating lounge provider. Participation, locations, rates, and policies of lounges are subject to change without notice, and Card Members and their guests will not be compensated for such changes. Access is subject to space availability, including capacity restrictions and limited hours that may be placed on the participating lounge. Amenities, services, and hours may vary by participating lounge and are subject to change without notice. American Express will not be liable for any articles lost or stolen, or damages suffered by the Card Member or guests inside the participating lounge. For participating lounges with a self-service bar, the Card Member may be required to be of legal drinking age in the participating lounge jurisdiction to enter without a parent or legal guardian. All Card Members and their guests must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. Each participating lounge may have their own policy allowing for children under a certain age to enter for free with the Card Member who is a parent or legal guardian. Card Member must adhere to all house rules of participating lounges. Participating lounges reserve the right to remove any person from the premises for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive, or violent. If American Express, in our sole discretion, determines that the Card Member or their are required to enrol to receive a complimentary ALL Accor+ Explorer membership. An ALL Accor+ Explorer membership is available only to the Primary Platinum Card Member. Membership privileges will only be granted on presentation of a valid membership card and a member must identify themselves as an ALL Accor+ Explorer member at time of booking. Accommodation bookings must be made in advance through the ALL.com app. American Express reserves the right to instruct Accor Plus to cancel your membership if you cease to be a Platinum Card Member or your Account is not in good standing. Complimentary membership is a continuing benefit of your American Express Platinum Card, however American Express reserves the right to discontinue the benefit, upon providing you with reasonable notice. Once enrolled, enrolment continues for at least 12 months. If you become ineligible for this benefit or if this benefit ends, the ALL Accor+ Explorer membership standard eligibility criteria will apply to you. A Stay Plus Free Night may be subject to availability at participating properties. Use of the Stay Plus is subject to the conditions as listed on accorplus.com/au/terms-and-conditions. Membership privileges are subject to exceptions listed at accorplus.com/au/benefits-exceptions. Dining and drinks discounts do not apply to room service, mini bars, meeting rooms, selections from the kids’ menus or takeaways; and public holidays or during special events. For more information, please visit here: accorplus.com/benefits/more-flavours. Dining privileges are subject to the Accor Plus membership terms and conditions which are found here: accorplus.com/au/terms-and-conditions.
7. Hotel Elite Status
Marriott BonvoyTM – As an American Express Platinum Business Card Member you are eligible to enroll in complimentary Marriott Bonvoy™ Gold Elite Status. Once you request enrollment within the Marriott Bonvoy at the Gold Elite Status level, American Express will share your enrolment information with The Marriott Bonvoy™ Program (Marriott Bonvoy™). Marriott Bonvoy may use this information in accordance with its privacy statement available at www.marriott.com/privacy. You will maintain Gold Elite Status without meeting otherwise required Marriott Bonvoy criteria as long as you remain an eligible American Express Card Member or until American Express notifies you that the benefit is terminated. Marriott Bonvoy member benefits are subject to change, availability and certain eligibility requirements. Reservations booked through third parties and online booking sources are not eligible. For complete Marriott Bonvoy Program terms visit https://www.marriott.com/loyalty/terms/default.mi. Marriott Bonvoy program amenities may not be combined with the Fine Hotels + Resorts program. Upgrades are based upon availability and will vary by property.
Hotel Elite Status – Hilton Honors. As a Platinum Card Member you are eligible to enrol in complimentary Hilton Honors Gold status. Offer available only to Platinum Card Members and is not transferable. Full details of Gold status can be found at HiltonHonors.com/MemberBenefits and is subject to change by Hilton. Gold status benefits are subject to availability at participating hotels and resorts within the Hilton Portfolio. Once you request enrolment in Hilton Honors Gold status, American Express will share your enrolment information with Hilton. Hilton may use this information in accordance with its privacy policy available at Hilton.com/PrivacyPolicy. If you already have Hilton Honors Gold Status, you can maintain the benefit in the future because you don’t need to meet any stay requirements. You maintain Gold status without meeting otherwise required criteria only while an eligible cardholder or until American Express notifies you that the benefit is terminated. Hilton Honors™ membership, earning and redemption of Points are subject to Hilton Honors Terms & Conditions. All Hampton by Hilton™ hotels in the Republic of China are excluded from the Hilton Honors program.
Visit HiltonHonors.com/Terms for more details. Effective April 2, 2018, the Earnings Style Options program, including Points and Points and Points and Miles, is no longer a valid feature of Hilton Honors. Any claims relating to the earning of Points and/or Miles under the Earnings Style Option program after April 2, 2018 are void.
Enrolment in the Radisson Rewards program is required for membership to be upgraded. Benefits are subject to change and availability may vary by property. Radisson Rewards benefits may not be combined with benefits offered by American Express and other loyalty programs. All American Express terms and conditions apply. All Radisson Rewards terms and conditions apply. To view terms and conditions visit radissonhotels.com/en-us/terms-and-conditions. American Express reserves the right to instruct Radisson Rewards to cancel your membership if you cease to be a Platinum Card Member or your account is not in good standing.
8. Fine Hotels + Resorts
Average US$550 value based on FHR bookings in 2024 for stays of two nights. Actual value will vary based on property, room rate, upgrade availability and use of benefits. Fine Hotels + Resorts (FHR) program benefits are available for new bookings made through American Express Travel with participating properties and are valid only for eligible Platinum Charge Card Members and Centurion® Members. Platinum Credit Card Members who are not also Australian Platinum Charge Card Members or Centurion® Members, are not eligible for FHR program benefits. Bookings must be made using an eligible Card and must be paid using that Card, or another American Express® Card, in the eligible Card Member’s name, and that Card Member must be travelling on the itinerary booked. Noon check-in and room upgrade are subject to availability and are provided at check-in; certain room categories are not eligible for upgrade. The US$100 credit will be applied to eligible charges up to the amount of the credit. To receive the US$100 credit, the eligible spend must be charged to your hotel room. The US$100 credit will be applied at check-out. Advance reservations are recommended for certain US$100 credits. The type and value of the daily breakfast (for two) varies by property; breakfast will be valued at a minimum of US$60 per room per day. To receive the breakfast credit, the breakfast bill must be charged to your hotel room. The breakfast credit will be applied at check-out. If the cost of Wi-Fi is included in a mandatory property fee, a daily credit of that amount will be applied at check-out. Benefits are applied per room, per stay (with a three-room limit per stay). Back-to-back stays booked by a single Card Member, Card Members staying in the same room or Card Members travelling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional FHR benefits (“Prohibited Action”). American Express and the property reserve the right to modify or revoke FHR benefits at any time without notice if we or they determine, in our or their sole discretion, that you may have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your FHR benefits. Benefit restrictions vary by property. Benefits cannot be redeemed for cash and are not combinable with other offers unless indicated. Benefits must be used during the stay booked. Any credits applicable are applied at check-out in USD or the local currency equivalent. Benefits, participating properties, and availability and amenities at those properties are subject to change. To be eligible for FHR program benefits, your eligible Card Account must not be cancelled. For additional information, please call the number on the back of your Card.
9. Cash Flow Days
** Classic Flight Rewards
Classic Flight Rewards are available on Qantas, Jetstar and eligible partner airlines. These seats are subject to capacity controls and availability is limited—some flights may not have any Classic Flight Reward seats available.
The number of Qantas Points required, as well as taxes, fees and carrier charges, are accurate as at 2 Feb 2026 but may vary at the time of booking.
Status Credits and Qantas Points will not be earned on Classic Flight Reward bookings.
Classic Flight Rewards must be booked via the Qantas website or other authorised booking channels. Some flights may be operated by a partner airline and different baggage allowances and conditions may apply.
Changes to or cancellations of Classic Flight Rewards are subject to the rules outlined in the Qantas Frequent Flyer Terms & Conditions, including change/cancellation fees and any fare or points difference if applicable.
For full terms and fare rules visit the Qantas Frequent Flyer website at Classic Flight Rewards.
Offer available to new American Express Card Members only. T&Cs apply.