As the end of the financial year approaches, it’s never too late to think about how to optimise your business for even greater success in the next financial year.

From optimising cash flow to maximising your credit card reward points on expenses, the American Express® Platinum Business Card lets you do both, so you can work and travel smarter.

The American Express® Platinum Business Card

The American Express® Platinum Business Card
READ THE GUIDE AND APPLY

 

Sign-up Bonus: 300,000 Bonus Membership Rewards Points¹

 

Rewards Earn Rate: Earn 2.25 Membership Rewards points per $1 on all eligible purchases. At government bodies, you will earn 1 point per $1 spent

 

Annual Fee: $1,750 p.a.

 

Offer expires: 4 November 2025

 

The American Express Platinum Card is offering 300,000 bonus Membership Rewards Points¹ for new American Express Card Members who apply by 4 November, are approved and spend $12,000 on eligible purchases in the first 3 months of approval. The Card is aimed at small and medium-size businesses who want to maximise their points earned, as well as business and travel benefits. T&Cs apply. Available for new American Express Card Members only.

This article is brought to you in partnership with American Express.

Set a solid foundation with the American Express® Platinum Business Card

Running a business means constantly balancing the day-to-day while planning for long-term growth. The American Express Platinum Business Card supports small business owners with features that enhance financial flexibility, streamline expense management, and unlock valuable rewards. It’s also your handy travel companion for both business trips and holiday escapes.

One of the biggest benefits? Up to 55 days cash flow to pay for purchases². It provides you with the breathing room to manage expenses and keep operations running smoothly. Investing in equipment, paying suppliers, or covering unexpected costs? This extended payment window can help you maintain liquidity without needing short-term loans or dipping into reserves.

Use features such as Flexible Payment Options³ and Flexible Spending Power⁴ to your advantage.

Membership Rewards benefits

You’ll also earn Membership Rewards® points for virtually every dollar you spend on eligible business purchases⁵. These points can be reinvested into your business, whether it’s to support travel or other expenses. With uncapped points earning potential, you’re free to scale your rewards alongside your business growth.

Paying the ATO? To maximise your points haul, consider using a third-party payment processor such as Pay.com.au so you continue to earn the full 2.25 points per dollar on government payments. You can also use AccessLine®, a handy built-in tool that allows you to make a payment to virtually any domestic business, even if they don’t accept card payments (subject to approval; enrolment is required)⁶. You’ll earn 2.25 Membership Rewards points on all eligible AccessLine transactions.

Business-friendly features

Access a line of unsecured funding with Flexible Spending Power⁴. The Card adapts to your purchasing patterns, giving you the freedom to invest in more travel or business essentials when the opportunity arises.

Additionally, detailed monthly statements and seamless integration with popular accounting software help make reconciliation and reporting effortless, allowing you to spend less time on admin and more on strategy.

Travel like a boss with premium perks

When it’s time to hit the skies, the Platinum Business Card really earns its stripes. It’s not just a payment tool – it’s a sleek metal passport to premium business travel experiences.

Enjoy complimentary access to over 1,400 airport lounges worldwide through the American Express Global Lounge Collection⁷. This includes The Centurion® Lounge, Priority Pass™, and more. Say hello to pre-flight productivity and luxury before many of your flights, including on personal trips.

Chairs in the Amex Centurion Lounge, Phoenix
Travelling through the US? Relax at the American Express Centurion Lounge at Phoenix. [Image: Chris Chamberlin]

On the ground, take advantage of ALL Accor+ Explorer membership⁸ (worth $349 a year) included with the Card, as well as complimentary Gold status upgrades⁹ in featured hotel programs such as Hilton Honors and Marriott Bonvoy (upon enrolment). Or book value-packed stays in the Fine Hotels & Resorts program¹⁰ for top-tier perks such as a US$100 experience credit per stay (unique to each property), 4pm late check-out, room upgrades when available, and more.

Card Members also receive complimentary travel insurance¹¹ when travel is booked using the Card, covering both domestic and international trips. This includes cover for overseas medical emergencies, trip cancellations, lost luggage and more. Terms, conditions, and exclusions apply (such as maximum age limits, pre-existing medical conditions, and coverage limits).

Finally, with no fee on up to 99 employee cards¹², it’s easy to share the perks with your employees. They may also be covered by the complimentary travel insurance and will be able to access certain lounges, such as The Centurion® Lounge, simply by flashing their card.

Be in your best shape for FY25-26

As the new financial year approaches, it’s the perfect time to evaluate your business finances and explore different ways to optimise processes and management. The American Express Platinum Business Card offers a powerful mix of cash flow support, rewards potential, and premium travel perks – all designed with ambitious business owners in mind.

So why not earn exceptional rewards on your everyday business spending? Explore how the American Express Platinum Business Card can help you work smarter and elevate every journey, both in business and beyond.

READ THE GUIDE AND APPLY

Terms and Conditions (1-12):

1. 300,000 Bonus Membership Rewards Points:

Offer only available to new American Express Card Members who apply by 4 November 2025, 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. 300,000 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 $1750. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.

 

2. Cash Flow Days:

Extend your cash flow by up to 55 days: Depending on your method of payment, when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your account from your previous statement period. If you pay by direct debit, your payment will be processed 10 days after your statement is issued.

 

3. Flexible Payment Option:

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

 

4. Flexible Spending Power:

Unless we 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.

 

5. Points Earn
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.

 

6. AccessLine®

This information has been prepared without taking into account your objectives, financial situation or needs. You should read the AccessLine Terms and Conditions and consider the appropriateness of Australian domestic payments using AccessLine in relation to your individual requirements. AccessLine is not available to individual consumers. To enrol in this service, your business will be required to complete an application, which is subject to review and approval by American Express. To use AccessLine, you must have an American Express Corporate Card or American Express Business Card that is registered to use the service. Terms, conditions, fees and charges apply. Card Members may only participate in the Program if their Company chooses to enrol their Card Account in the Program, subject to our approval.

 

7. Priority Pass™ – Platinum Business and Corporate Charge Cards:

This benefit is available to Platinum Business and Corporate Charge Card Members. Platinum Card Members and one Employee 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 will be charged the prevailing retail rate for any 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 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 https://prioritypass.com/activation.

 

8. ALL Accor+ Explorer Complimentary 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 Members 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.

 

9. 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.

 

10. Fine Hotels + Resorts:

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.

 

11. 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 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.

 

 

12. Employee Cards:

Employee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1) Employee Card.

 

This guide is brought to you in partnership with American Express.

Start the new financial year off right and unlock more freedom in your business was last modified: October 13th, 2025 by Point Hacks