American Express Membership Rewards ultimate benefits guide

American Express Membership Rewards is the ‘go to’ program of choice for the savvy points collector, with the most airline and hotel points transfer partners of any credit card points program out there. As a result, it’s where I focus most of my efforts in collecting my points.

If you haven’t seen this guide before, it covers off all the things you need to know about Membership Rewards in Australia, and acts as a great introduction to the program if you want to know more.

With the recent changes to Malaysia Airlines Enrich program, I thought I should revisit the guide and ensure it’s all up to date – and if you haven’t been across the details of the Membership Rewards program until now, here’s the place to start.

American Express Membership Rewards is one of the best Australian credit card points programs, with the highest earning potential and the most transfer partners.

In this guide: Membership Rewards (Australia) guide contents and quick links

Further reading: more noteworthy Membership Rewards guides and posts

Why choose Membership Rewards?

Here’s a few quick reasons…

  • The easiest way to earn Starwood Preferred Guest points from credit card spend in Australia
  • One of the highest earn rates for Singapore Airlines Krisflyer points on domestic spend
  • A range of cards with different category-based earn rates, such as bonus points on travel or at supermarkets
  • Frequent offers for statement credit for spend at certain retailers
  • No points expiry as long as your Membership Rewards account with American Express is active
  • Frequent promotions and bonus partners to earn and use points more effectively
  • And what I like most, the ability to accrue points in a way that allows you to look at the right program’s redemption opportunities for your future travel needs – you can defer the decision as to which program in which to keep your points until you want to use them.

The Membership Rewards Card Range

There’s a broad range of cards that Amex offer which earn into Membership Rewards, and I’ll cover most of them below.

Current American Express Platinum Edge Offer

American Express Platinum Edge - 10,000 Membership Rewards points

American Express is offering 10,000 bonus Membership Rewards points for new applicants. This is one of my favourite cards for everyday use.

  • 10,000 Membership Rewards point bonus
  • Free domestic flight on Virgin Australia each cardholder year
  • Travel and purchase protection insurances
  • 3 Membership points earned per $ spent at supermarkets, 2 points earned per $ on fuel, and 1 point per $ everywhere else except for utilities and the ATO
  • 0.99% p.a. on balance transfers for the first 6 months, with a 1% establishment fee - maximum balance transfer is $10,000 or 70% of your approved credit limit, whichever is less
  • $195 p.a. annual fee
  • Offer expires: 2nd February 2016, only available to new American Express customers within the last 12 months
  • $550 minimum spend in 2 months required to earn bonus points

Find out more or apply →

I earn a maximum of $169 per applicant for this card. More about this →

Currently a great value option in the Amex range. It’s in my wallet.
Read the Platinum Edge Ultimate Guide →

I think the entry level Platinum card, the Platinum Edge is the best value, and is a pretty great offering. It was added to the Platinum line-up in 2010 and I’ve used it on and off for my main card ever since.

You receive a free domestic return flight with Virgin Australia – easily outweighing the value of the annual fee, even in renewal years after any initial signup bonus. The full list of destinations can be found here. Along with the flight you also receive free domestic and international travel insurance (although the AusBT guys don’t rate it so well), and a few other Amex program perks which may/may not be worth your while depending on what you’re interested in.

The Platinum Edge offers bumped up earn rates for ‘major supermarkets’ and fuel purchases – 3 Membership Rewards per $1 spent at supermarkets, and 2 Membership Rewards points per $1 on fuel.

Supermarkets qualifying for 3 points per $ on the American Express Platinum Edge
Coles and Coles Online
IGA and Foodland
Woolworths and Woolworths online, Thomas Dux & BigW
Food For Less
Fresh Provisions
Macro Wholefood
Harris Farm Markets
Petrol stations qualifying for 2 points per $ on the American Express Platinum Edge
Coles Express
Safeway Petrol
Woolworths Petrol
Peak, Gull
Caltex, Caltex Woolworths
Mobil, Quix

All other purchases, except utilities and the ATO earn at 1 Membership Reward point per $1 spent.

The 3:2:1 rate is excellent for the everyday card user – American Express is universally accepted in supermarkets and petrol stations so it makes sense to utilise the bonus earn rates on offer by having it in your wallet.

Current American Express Platinum Charge Offer

American Express Platinum Charge - 100,000 Membership Rewards points

Now increased to 100,000 Membership Rewards points on sign up, the American Express Platinum charge is the high-end card for those that want a heap of benefits. Read the Point Hacks guide for the full rundown.

  • 100,000 Membership Rewards points signup bonus
  • $200 travel credit annually
  • Free additional companion card, such as the Platinum Edge - with a free domestic flight on Virgin Australia each year
  • Unlimited access to airline lounges - Virgin Australia Domestic, Delta and American Express lounges globally
  • Access to American Express Fine Hotels & Resorts discounts and too many other benefits to list here!
  • 3 Membership points earned per $ spent at restaurants, 2 points earned per $ on travel, and 1 point per $ everywhere else except for utilities and the ATO
  • $1200 p.a. annual fee
  • Offer expires: 2nd February 2016
  • Only available to new American Express customers within the last 12 months
  • Bonus points require $1,000 minimum spend in first 2 months

Find out more or apply →

I earn a maximum of $253 per applicant for this card. More about this →

For those who want the large Membership Rewards sign up bonus, big spenders, and who are after the extensive list of ancillary benefits.

The Platinum card is a high risk, high return strategy in the world of accruing points. The large signup bonus, $200 travel credit and free flight from the bonus Platinum Edge card will pretty much cover the value on the annual fee.

There’s a heap of other benefits too, and I’m sure almost everyone would get use of at least some of them. But many understandably wouldn’t take on such a high annual fee. Personally, card spend isn’t high enough each year to make use of the earning potential and benefits of this card.

The American Express Referral Program (guide)

You may find that the best signup bonuses aren’t public – American Express regularly tweak their signup bonuses for Membership Rewards cards, and sometimes the best bonuses to be had are if you let another cardholder refer you – it’s kind of like a reward for you for Amex not having to pay an affiliate or partner for marketing.

There’s a full guide to the American Express referral program here, which has relaunched after a 6 month hiatus in 2014.

Point Hacks readers can befriend and refer each other for American Express cards through the Point Hacks Amex referral forums – it’s an easy way to earn more points, either on sign up for a new card or by referring others using their link.

Bonus Membership Rewards Earning Partners

Membership Rewards often has some good bonus partners which you can direct your spend to gain some pretty lucrative extra points. The current bonus partner offers are up here. These are a great way to increase your points balance if you were looking at any of these products or services anyway.

Check the Bonus Partner page for up to date details on current partners and offers.

Transfer Partners and Using Points

There’s a wide variety of direct transfer options out of Membership Rewards, and at the following ratios (with other card programs in Australia included for comparison):

Program Conversion Rates - e.g. 1000 MR = 100 AirpointsMembership RewardsCitibank Rewards Westpac Altitude
Air New Zealand Airpoints100:1-160:1
Virgin Australia Velocity Points1:13:22:1
Singapore Airlines Krisflyer Miles1:13:22:1
Virgin Atlantic Flying Club Miles1:1--
Cathay Pacific Asia Miles1:12:1*2:1
Thai Airways Royal Orchid Plus Miles4:3--
Malaysia Airlines Enrich Miles1:1-2:1
Emirates Skywards4:3--
Starwood Preferred Guest Starpoints2:1--
Jumeirah Sirius Points~30:1--
Hilton HHonors Points1:1--

Don’t forget you can then transfer Starwood points onwards to further programs, with the ones I find most interesting currently at the following ratios:

ProgramTransfer Rate (SPG:Partner)Why I'm Interested...
American Airlines AAdvantage1:1Cheap Business and First Class redemptions on oneworld airlines
British Airways Executive Club1:1Cheaper long-haul AU domestic redemptions than Qantas; also good for some SE Asian destinations; and BA have a decent (confirmed upgrades) miles for upgrade scheme
US Airways Dividend Miles1:1US Airways offer an alternative way to redeem miles for cheap Business and First Class oneworld travel.

Given the 3:1 earn rate at supermarkets for the Platinum Edge, and the 1:2 transfer rate for Membership Rewards to SPG, I know that any general shopping I do will earn me more than 1 Starpoint per dollar. This is equal to one AAdvantage mile, one US Airways mile etc. This is pretty great as these miles are much more valuable than Qantas Frequent Flyer points.

Membership Rewards vs a Qantas Frequent Flyer or Velocity Frequent Flyer direct earn card

If you know for sure that you’re in the market for a high earning Qantas card only, you’re better off heading elsewhere amongst the Amex product range, or outside Amex altogether. But making that decision would be doing yourself a disservice – Qantas is definitely not the only option in the region, it’s just the most obvious.

Qantas feel like they operate as a monopoly in the Australian frequent flyer market and have a somewhat captive local frequent flyer audience, which unfortunately means they are getting complacent and making changes to the Frequent Flyer program which continue to devalue your points. There are a heap of Qantas direct earn cards out there, but no truly lucrative or really attractive promotions for using the card after initially signing up.

This is giving Virgin and their competitors an opening to create some interesting alternatives, such as the Virgin Platinum American Express which comes with unlimited 2 for 1 international business class flights on Virgin Australia. Again though, you’re committed to earning Velocity points.

Keeping your options open and Membership Rewards cards in mind when factoring in your spending habits and desired use of your points in the long run is relevant to those with more flexible rewards in mind than just Qantas (and redemptions with their partners) – if you’re likely to go for a premium hotel, rather than airline experience for example, then any Membership Rewards card is a great (and maybe the only) place to start.

You can also use Membership Rewards points for transfer to Virgin Australia, and American Express or Virgin often run transfer bonuses of 10%-30%.

Ultimately, it’s all about your own particular travel and spending habits – if you mix and match airlines and fares to suit your needs, or don’t fly much at all, then a more flexible card reward scheme may do the trick for you as you can transfer points over to a program with a redemption opportunity as you see fit.

If you don’t spend much on your credit card, and tend to fly infrequently with only one airline, you’re probably better off consolidating points into one program (like Qantas or Virgin) to ensure you have enough points for a decent redemption – in which case it might not be worth considering a Membership Rewards Amex.

For more on the basics of using points, read the Beginners Guide to Using Points →

Types of Membership Rewards accounts in Australia

The Membership Rewards program in Australia comes in four flavours – Choices, Ascent, Ascent Premium and Spirit. Choices only allows for redemptions within the Membership Rewards scheme, i.e. no transfer of points out. Spirit is only available on the Qantas Corporate or Business cards.

I’m really only interested in the Membership Rewards Ascent programs thanks to their ability to transfer out to other programs. There’s little difference between the two Ascent schemes – in fact the only difference is the ability to transfer points to Qantas – and, you guessed it, the Ascent Premium flavour is only available on the premium higher annual fee card, the American Express Platinum Charge.

Access to Membership Rewards Ascent Premium (available only with the $1200 pa Platinum Charge Card, or even more expensive Platinum Business Charge Card) in order for a Qantas transfer option would only be worth it if you see yourself getting significant value from the other benefits of these high end cards, rather than just the Qantas transfer, as there are better Qantas earning options out there.

The full run down of Membership Rewards program differences can be found here.

Transferring Membership Rewards Points to another cardholder

American Express also allow transfers, once per year, to another Australian Membership Rewards cardholder. This process is set off by following the instructions in this PDF form from Amex. There’s no fee to transfer Membership Rewards Ascent (the most common type) to another Ascent account, but going from a Membership Rewards Spirit to Ascent or Ascent to Ascent Premium will incur a $5 per 1000 points charge.

What’s with David Jones American Express Membership Rewards?

American Express also offer a two David Jones branded cards, both of which can accrue points to ‘David Jones Membership Rewards’ or you can swap the points earn into Qantas Frequent Flyer.

I can’t say this strongly enough – The David Jones Membership Rewards program is different to the ‘normal’ Membership Rewards!

Read the full guide to American Express David Jones Membership Rewards cards →

The main difference is that the David Jones Membership Rewards scheme has worse transfer rates than normal Membership Rewards – 50% of the transfer rate for airlines, but amazingly not Starwood Preferred Guest. This is confusing to say the least.

There are two solid reasons to consider the David Jones cards is to accrue points to Qantas:

  1. To set your earn preference to Qantas Points instead of David Jones Membership Rewards, with some of the best earning Qantas points cards out there for supermarkets, fuel and David Jones spend
  2. To transfer David Jones Membership Rewards points to Starwood Preferred Guest, and then maybe onto overseas airline programs such as AAdvantage. The transfer rate to SPG is 2:1, just like regular Membership Rewards cards, making it an excellent SPG earner.

David Jones Platinum American Express - 30,000 Qantas Points or 40,000 DJ's Membership Rewards points

The David Jones Platinum American Express is one to get for the signup bonus, and keep for the ongoing bonus points for spend at David Jones, Supermarkets and on Fuel. It's a great card for earning either Qantas Points or Starwood Preferred Guest points.

  • Choose 40,000 David Jones Membership Rewards points or 30,000 Qantas Points sign up bonus
  • Exclusive benefits at David Jones, including free standard delivery for online purchases, free gift wrapping, 4 years interest free on big ticket items $295 annual fee
  • 3 David Jones Membership Rewards points per $ at Supermarkets/Fuel, 4 points per $ at David Jones, 1 point per $ everywhere else, OR
  • 2.25 Qantas Points earned per $ at Supermarkets/Fuel, 3 Qantas Points per $ at David Jones, 0.75 points per $ everywhere else
  • $295 annual fee
  • Minimum income requirement of $65,000 pa
  • Only available to new David Jones American Express customers within the last 12 months
  • Eligible for bonus points eafter 3 transactions outside of David Jones in first 3 months of holding the card

Find out more or apply →

I earn a maximum of $115 per applicant for this card. More about this →

David Jones American Express - 22,500 Qantas Points or 30,000 DJ's Membership Rewards points

There's 30,000 DJ's Membership Rewards points for new applicants - best transferred to 15,000 Starpoints - or take a 22,500 Qantas Point bonus. This card is the best earning Qantas Point card for Supermarkets & Fuel spend and has a $99 annual fee.

  • Choose 30,000 David Jones Membership Rewards points or 22,500 Qantas Point signup bonus
  • Exclusive benefits at David Jones, including free standard delivery for online purchases, free gift wrapping, 4 years interest free on big ticket items
  • 3 David Jones Membership Rewards points per $ at Supermarkets/Fuel, 2 points per $ at David Jones, 1 point per $ everywhere else OR
  • 2.25 Qantas Points earned per $ at Supermarkets/Fuel, 1.5 Qantas Points per $ at David Jones, 0.75 points per $ everywhere else
  • $99 annual fee
  • Minimum income requirement of $40,000 pa
  • Only available to new David Jones American Express customers within the last 12 months
  • Eligible for signup bonus after 3 transactions outside of David Jones in first 3 months of holding the card

Find out more or apply →

I earn a maximum of $115 per applicant for this card. More about this →

A word about acceptance of American Express

American Express in Australia (much like the US and UK) is not accepted by all merchants, and others charge an additional fee for use of American Express. As such, any savvy points earner would have both an American Express card plus a Mastercard or Visa to hand for times when Amex is not accepted.

The value of keeping a dedicated American Express card to linked to Membership Rewards comes from higher than 1:1 earn rates; additional ancillary card benefits; signup bonuses; and points transfer flexibility.

Conclusion: Is Membership Rewards for me?

Stowing your points away in Membership Rewards gives redemption flexibility, allowing you to transfer to programs at a later once you have a firm plan for your points, and not before. I can’t over-emphasise how helpful it is to place a value on flexibility when playing the points game – and Membership Rewards Ascent partners with Virgin, Singapore Airlines, Malaysia Airlines and Cathay Pacific, covering all the major alliances and domestic/trans-tasman options you might want outside of Qantas.

Personally, the Platinum Edge has a permanent place in my wallet for fuel and supermarket purchases, where I can then transfer points to Starwood Preferred Guest, and retain that ongoing flexibility for future redemptions.

Featured American Express Membership Rewards Credit Card

American Express Platinum Edge - 10,000 Membership Rewards points

American Express is offering 10,000 bonus Membership Rewards points for new applicants. This is one of my favourite cards for everyday use.

  • 10,000 Membership Rewards point bonus
  • Free domestic flight on Virgin Australia each cardholder year
  • Travel and purchase protection insurances
  • 3 Membership points earned per $ spent at supermarkets, 2 points earned per $ on fuel, and 1 point per $ everywhere else except for utilities and the ATO
  • 0.99% p.a. on balance transfers for the first 6 months, with a 1% establishment fee - maximum balance transfer is $10,000 or 70% of your approved credit limit, whichever is less
  • $195 p.a. annual fee
  • Offer expires: 2nd February 2016, only available to new American Express customers within the last 12 months
  • $550 minimum spend in 2 months required to earn bonus points

Find out more or apply →

I earn a maximum of $169 per applicant for this card. More about this →


  1. Captain Sloth

    The AMEX David Jones card is another good points earner. 30,000 bonus $99 annual fee and 3-2-1 points structure. 3 points for supermarket and petrol station purchases, 2 points for purchases at David Jones and 1 point elsewhere. The other 3-2-1 points cards are 3 for supermarkets, 2 for fuel and 1 elsewhere. You can’t transfer points to Qantas but all other airlines with AMEX are eligible

    • newformula Author

      Good tip, thanks. I didn’t realise the DJ’s card earned into MR; I’ll update the article accordingly. Sounds like a decent deal – especially the signup bonus which is pretty big for the annual fee on offer.

  2. thehound

    Great article. I just wanted to find out where you’ve seen that CitiRewards points can be transferred to KrisFlyer on a 1:1 conversion rate? All the information I’ve seen suggests it’s 3 rewards points for 2 KrisFlyer points. 3:2 makes CitiRewards less attractive than Amex, but still the best SIA earn rate per dollar for a Visa card.

    • newformula Author

      You’re right on the 3:2 – not sure where I found that. Info updated; as well as the rate that was being used in my conversion calculator on the site too.

  3. Mightymac1

    Hi, great article, very informative and helpful thank you.
    If I may get some advice it would be great. I have a scattering of flyer points across a few airlines primerally Eithad then Qantas and Malaysian Airlines curtesy of living in Oz and being from Europe.(none of the flyer balanves are big enough to get me home on their own but with a few bonus offers and pooled together they might)

    Now some of these points are set to expire, can I save all my points expiry free in the MR scheme??? If I can save them expiry free I would really consider AE Platinum Edge.

    I did see elsewhere on this site that Eithad now have a MR scheme but there is no mention of it on this page, I presume this is just an oversight. Also they had a 20000 bonus points transfer offer before march 31st and I have missed this. I know you cant answerr this question but what do you think are my chances of getting this bonus offer from Eithad if I decide to Join AE MR??

    Many thanks for your great article.

    • Keith Mason Author

      Thanks for the comment.

      MR points do not expire as long as you have an active account with them. You can also transfer points into your schemes which might count as activity to keep them active.
      I created this page a while back, and yep, Etihad are new to MR this month. In terms of another bonus? Hard to say as they are so new, but I’d imagine they’ll at hold off for at least 3 or 4 months.

  4. Natasha

    Great article Keith! Do you know if I can take a complimentary domestic flight for my husband instead of me on Amex Plat edge even though the card is on my name? Thanks heaps.

  5. Tristan

    Hi Keith,
    I found the table of comparative points quite useful, and the main reason I have signed up for a platinum edge card (hope you get the referral points soon)..

    It would be useful to note that altitude points are earned at a rate of 2:1 (or 3:1 on the black – premium card) so they would actually be more rewarding than the amex rewards cards for everyday spend.

    If the table reflected points per dollar spent, the altitute and MR would be neck and neck for their share rewards (Excl NZ), and altitude black would come out in front. Of course it gets even more complicated when you factor in the Platinum Edge higher rates for supermarkets and petrol, however this may be offset somewhat by lower rates for bill payments (where Altitude remains constant).

    • Keith Author

      Hey Tristan – that comparison only holds if the points from Membership Rewards transfer over to partners at the same rate as Altitude – which they don’t. Altitude transfers to Velocity for example at 2 Altitude to 1 Velocity, same for Asia Miles and Enrich. So points per $ spent may be higher when comparing Altitude to Membership Rewards, but the value of those points in terms of airline miles, is 1/2. I’ve made a transfer calculator at which may be useful.

      • Tristan

        Perhaps my maths is not right, but from what I can tell:
        $1,000 spend on Amex MR card = 1,000 MR points = 1,000 FF points.
        $1,000 spend on Alt. Black Amex = 3,000 Alt points = 1,500 FF points.
        Where the Amex MR scheme nets more points is supermarket/fuel purchases (on platinum edge) or if you want to use NZ. I know it sounds like i’m trying to push an agenda here, but I’m just trying to get my head around this!
        And thank you for the link the calculator, that is a fantastic tool!

        • Keith Author

          OK, I see where you are coming from, and it makes sense. It’s all about your own personal spending habits. I think, on average, I get more points per $ out of Amex with my Platinum Edge supermarket and fuel bonuses than I would the flat rate earn from Altitude – 4 points per $ at my current supermarket with the ‘local champion’ promo running. The card fee also pays for itself with the free Virgin flight. I also really value the SPG transfer option that Altitude doesn’t have.
          But… That’s just me, and you’re right, Altitude has a shot at coming out ahead for others.

          • Tristan

            Yes, it really does depend where you spend!
            What is your choice for a back-up card for when Amex is not accepted?

          • Keith Author

            Personally I absolutely abuse my Bankwest Qantas Platinum MasterCard. It gives me Qantas points to top up which I don’t earn on the Amex, has no foreign transaction surcharge saving 3% on all non AUD transactions and my other banking is done with Bankwest making things feel very seamless, they have a great app and online banking system. Also an epic credit limit. I can’t bring myself to use anything else.

      • wyvern

        Hi Keith, I started an Amex application online before the referrals disappeared, then didn’t complete it, but it is still saved in the Amex system for a few weeks more and can be resumed. Do you think Amex would honour the referrals if I completed the application, or is it better to wait for the new referrals scheme (if any). I appreciate no-one can be certain but your advice would be welcome!

  6. Daniel

    My cousin as an Australian AmEx Platinum card (Centurian based on the picture he sent me) which costs him AU$900 per year. It also gives him Gold OneWorld membership. I cannot seem to see this anymore and was wondering it it was a special offer for select people or not. I can only seem to see the same card but for AU$1200 with no Oneworld access (seems to give Virgin/Priority Pass instead.

    • Keith Author

      Amex Centurion is much more than $900 pa, it’s more like $4k I think. $900 pa is the old fee for the Platinum Charge before they bumped it up. The Plat Charge also used to offer Cathay Pacific Marco Polo club membership at the Oneworld Sapphire level (equivalent to Qantas Gold), so pretty sure he is using a regular version of the Platinum Charge card, which is now $1200 for all and with different lounge access too.

  7. TJ

    Hi keith

    In New zealand transfer rate between Membership Rewards and Amex Airline Partner is 1MR = 0.5points ( in australia its 1MR = 1 point) is there any clever way to make the most of Members rewards for us who live in New Zealand? Can i move my NZ members rewards point to Australian Members rewards account before i convert them to airline miles?


  8. Barry Howasrth

    Hi Keith,

    I tried to buy 50000 membership award points from Amex at $25 per 1000 and they refused stating that this facilty had been withdrawn?


    • Keith Author

      Interesting, thanks. I’ll send them a message and see if I can find out if this is official or not. It may be worth trying again with a different agent – assume this was over the phone?

      • Rado


        I need to top up my account (buy points) as I am slightly short on the number I need. Do you know if this is still possible? BH says he/ she didn’t have any luck.



  9. CG

    Can you transfer AMEX rewards points to a Qantas Frequent Flyer Program on the Platinum Edge Credit Card? I’m seriously looking into this given the 3:1 earn at supermarkets, and the domestic return flight pretty much being the value of the $195 annual fee anyway…

    • Keith Author

      Unfortunately not – Amex Membership Rewards points are only transferrable to Qantas with the expensive Platinum Charge card. But if you can break out of wanting Qantas points and look at other programs, there’s heaps of value to be had.

  10. CG

    Thanks Keith. Given your expertise, my wife and I have 25000 qantas points purely from using the everyday reward card at woolworths and the odd qantas flight here and there. We just signed up to citibank signature (due to no fee for life 1:1 earn on visa). Given we somewhat have a tie to Qantas as we have accrued 25000 points, and our goal of a return business class trip to london (for 2) in 10 years time, do you tihnk it would be more benficial for us to cut our losses and start fresh on the Velocity program? Thus using this card? We also work interstate, so would always use the annual free flight.

  11. Ben

    Hi Keith, Have you ever heard of an existing AMEX customer being able to talk themselves into a sign up bonus for another AMEX card?

  12. Alan

    Great article, thanks. Two quick queries – do you know (a) if Amex allow partial annual fee refunds for early cancellations (as they do in the UK) and (b) how long would it take for a newcomer to Australia to have a credit history that Amex would consider good enough for a Plat charge card application? Would they take existing card holdings with them in other countries into account? Thanks :)

  13. Alan

    Thanks for the reply. I was aware of the international transfer scheme and the boost in MR balance through the exchange rate would be nice but I’m sorely tempted by the sign up bonus for a new card 😀 (plus I already have a multiplier on my MR balance via an Amex ICC Dollar card). Will check the T&Cs re fee refunds.

  14. Thomas

    Thanks for the great summary!

    I have a question about companion cards with the Platinum Charge. Your article says that you could get a free Platinum Edge as a companion card to the Charge. I signed up for the Charge and asked for the free Edge, but was told this is not (and never has been) a valid companion card. They offered me the Reserve card instead, although that doesn’t come with the same 3 points/$ at supermarkets. Do you know if the Edge is still a valid companion card and if there is anything in particular I need to do to get it?

    • Hey Thomas – I don’t have any personal experience here, unfortunately. This info relating to the companion card was all second-hand from other readers offering up tips, it could be the policy has changed. I have had luck questioning things like this over secure messaging in your account, it may be worth a try.

  15. thuan

    I have an edge platinum card and want to upgrade to platinum charge at 1200 fee pa.
    how do i get the 100000 points as the offer is for new applicants?

    i feel it is mean for amex to not offer this to ex aex holders.
    any way around this?

    • Keith Author

      No, unfortunately there’s no way around it to my knowledge. I have given this feedback to Amex (that Edge cardholders who want to upgrade to the Charge are unfairly ruled out of these opportunities).

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