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American Express Platinum Edge Credit Card

American Express Platinum Edge Credit Card

Purchase Rate
20.74 %
p.a.




Cash Advance Rate -
Interest Free Up to 55 days
Annual Fee$195
Balance Transfer Rate 0% p.a.for first 12 months

  • Start your holiday with a $200 Travel Credit every year.
  • 0% p.a. on balance transfers for the first 12 months — A one-off credit plan establishment fee of 1% applies.
  • Complimentary enrolment in the Membership Rewards Ascent program saving you $80 per year.
  • When you pay for travel on your Card you will receive Complimentary domestic and international Travel Insurance.
  • Eligible for use with Android Pay, Apple Pay and Samsung Pay.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

  • Earn 3 points per $1 spent at major supermarkets.
  • Earn 2 points per $1 spent at major petrol stations.
  • Earn 1 point per $1 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.
  • Earn extra Membership Rewards points when you add a Supplementary Card to your account.
  • Points can be redeemed for flights with any of our 9 major airline partners, 1,500 quality items, gift cards, or even credit on your Account.
  • Book any travel and pay with your points instantly at Travelscene American Express locations and Harvey World Travel agents.
Rewards Points per Dollar 3 Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* $4500 Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card* SPEND FOR SYD/MEL RETURN*

Lifetime of Points
Rewards Program Partners Participating retailers include the following merchants who have been classified as “major supermarkets”: Bi-Lo, Flemings, Safeway, Woolworths, Coles, IGA, Franklins, Fishers, Fresh Provisions, Food For Less, Supabarn, Macro Wholefoods. Participating retailers include the following merchants who have been classified as “major petrol stations”: BP, Shell, Caltex Woolworths, 7 Eleven, Woolworths Petrol, Safeway petrol, Peak and Gull.
Rewards Bonus Points Partners Earn Bonus Points with the following Bonus Partners: Avis, Bob Jane T-Marts, DFS Galleria and Hotel Club. International Airline partners include Air New Zealand, Cathay Pacific, Emirates Skywards, Eithad Guest, Mayalsia Airlines, Singapore Airlines, Thai Airlines and Virgin Atlantic, Virgin Australia Velocity Frequent Flyer.
Domestic Airlines
International Airlines
Conditions Membership Rewards enrolment required (an annual fee may apply). Subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au/termsandconditions

Annual Fee $195 Minimum Repayment Greater of 2.5% or $30
Annual Fee First Year $195 Interest Charged From Statement Date
Rewards Joining Fee $0 Late Payment Fee $30
Supplementary Card Fee $0    
Duplicate Statement Fee $10 Overseas ATM Balance Fee
Transaction Verification Fee $7 Overseas ATM Withdrawal Fee
Over Limit Fee $0 Overseas Emergency Card Replacement Fee $0

Visit the issuer's website for additional information. Go to site

Terms & Conditions
Applicants must be 18 years of age or over, reside in Australia and earn a minimum income of $50,000 per annum to apply for the American Express Platinum Edge Credit Card. American Express income and credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 4 July 2017 and are subject to change. 1. Interest rate is correct as at 4 July 2017 and is subject to change. This interest rate does not apply for Cash Advances and associated fees. 2. You will have up to 55 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued. 3. 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, Terms and Conditions apply. 4. Insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and are subject to Chubb terms, conditions and exclusions. This site does not take into account your objectives, financial situation or needs. It is important for you to read the American Express® Platinum Edge Credit Card Insurance Terms and Conditions available here and consider whether this insurance is appropriate for you. 5. Offer not available for Card Members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 60 day period. Balances may not be transferred from another Credit Card issued by American Express Australia Limited. The promotional balance transfer rate will be eligible for 12 months from the date the Card is approved, after which any remaining balance will revert to the standard rate of interest at that time. The credit plan establishment fee attracts the standard rate of interest. Interest free days do not apply to Balance Transfer balances, and you may be charged interest on other purchases and fees if you do not pay your Closing Balance (including any outstanding balance transfers), in full by the due date each month. We reserve the right to withdraw this offer if your account is not in good standing or we become aware of any adverse credit information. Click here for full Balance Transfer terms and conditions. 6. Subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au. Participating retailers include the following merchants who have been classified as "major supermarkets": Bi-Lo, Coles, Fishers, Food For Less, Fresh Provisions, Harris Farm Markets, IGA, Macro Wholefoods,Safeway, Supabarn, Thomas Dux, Woolworths. Participating retailers include the following merchants who have been classified as "major petrol stations": Ampol, BP, Caltex Woolworths, Gull, Metro, Peak, Safeway Petrol, Shell, United, Woolworths Petrol, 7 Eleven. Exceptions may apply if an individual merchant trading as one of the above named retailers does not accept American Express as a form of payment. Purchases at major supermarket & major petrol station retailers are only eligible for additional points if the transactions are made in Australia. 0.5 merchants classified as; "utilities" including gas, water and electricity providers; "government" including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies; and "insurance" excluding insurances offered by American Express. 7. To transfer Membership Rewards points into an airline rewards or frequent guest partner program you must be a member of the partner program. Membership of the partner program is the Card Member's responsibility and is subject to the Terms and Conditions of the applicable program. A joining fee may apply. 8. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of 3 months from the date of issue, unless otherwise stated. Normal retailer Gift Card and voucher conditions apply. 9. Points may be redeemed by the Basic Card Member for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Card Member's other accounts with American Express are not in good standing. The redemption of Points for Credit will be administered solely by American Express within 3 business days and cannot be reversed. Redeeming Points for Credit is not available for redemption by Corporate Card accounts and is not redeemable for cash via Credit balance refund. 10. Partner terms and conditions apply. Available to Australian enrolees who reside in Australia only. A minimum of 7,500 points must be redeemed at any one time. Copyright Webjet Marketing Pty. Ltd. CAN 063 430 848, ABN 8406 9490 848. Part of the Webjet Limited Group. Travel Agent Licence No. 32282. 11. Supplementary Credit Card Members must be over 18 years of age. You will be liable for all Supplementary Credit Card spending. 12. A minimum of 2,000 points must be redeemed at any one time. You must qualify with the Terms and Conditions in order to redeem points. Tickets must be purchased using your eligible American Express Card and will be charged to that day’s purchase. 13. Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges. Android, Android Pay, and the Android Logo are trademarks of Google Inc. Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices. American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence No. 291313. ®Registered Trademark of American Express Company.


* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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