Point Hacks Credit Card Guide

80,000 bonus Membership Rewards points with the American Express Platinum Charge

American Express Platinum Charge - 80,000 Membership Rewards points

American Express are offering 80,000 bonus Membership Rewards points with the American Express Platinum Charge. A great card for those who want to earn Membership Rewards points on everyday spend with lots of additional benefits. Read the Point Hacks guide for the full rundown.

  • 80,000 Membership Rewards points signup bonus
  • $300 travel credit annually
  • Unlimited access to certain airline lounges - including Virgin Australia Domestic, Delta and American Express lounges globally
  • Access to American Express Fine Hotels & Resorts perks & discounts
  • 3 Membership Rewards points earned per $ spent at restaurants, 2 points earned per $ on travel spend, and 1 point per $ everywhere else except for utilities and the ATO
  • $1200 p.a. annual fee
  • Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. Previous and existing bank-issued American Express companion cardholders are eligible for this offer.
  • Spend $3,000 on eligible purchases within 3 months of approval to trigger bonus points
  • Charge card, not credit card - balance requires payment in full each month but with no pre-set spending limit - more about this

Find out more or apply →

Point Hacks receive a maximum of $300 per applicant for this card. More about this →

American Express are offering 80,000 Membership Rewards Ascent Premium points for new applicants of the American Express Platinum Charge.

While the card is arguably the most premium account on the market in Australia, and has a $1,200 annual fee, the number of benefits that come with it are substantial. We’ll be covering many of these off in subsequent guides this month on Point Hacks.

It’s worth knowing that Membership Rewards Ascent Premium points are transferable to all the key frequent flyer programs, including Qantas Frequent Flyer, Velocity, KrisFlyer, Asia Miles, Etihad Guest and more—on a 1:1 basis.

A minimum spend requirement of $3,000 within the first 3 months is required to receive the bonus points, with the points to be credited to your account around 8-10 weeks after the minimum spend is reached.

How you could use the bonus points from this card

All redemption figures shown are examples only and exclude accompanying taxes and fees. Points redemption price data is provided by a third-party, so inaccuracies may be present. Please check with the airline directly for a complete and accurate total redemption cost.

You can also join our email course specifically on the benefits of the Platinum Charge – you should be able to see the opt-in form at the bottom of your screen. In the course, we break down the benefits of the card to help anyone interested in figurinhg out if the card and its $1,200 annual fee is worth it for them.

The Platinum Charge card is aimed at those who travel frequently, fund their own travel, and can be savvy with using the benefits of the Amex Platinum offering. If you do, you’ll hopefully get at least the value from the $1,200 annual fee each year from the wide range of perks and deals on offer.

If you’re a business owner spending on advertising, IT or other business-related expenses more than dining or travel, the Business Platinum Charge card might have the potential to earn more points than the consumer variant of the Charge card.

Card Details

CardAmerican Express Platinum Charge
Loyalty ProgramAmerican Express Membership Rewards (MR)
Points earned from spend3 MR points earned per $ spent at restaurants
2 MR points earned per $ on travel, and
1 MR point per $ everywhere else except for utilities and the ATO
Travel benefitsAccess to American Express Travel and American Express Fine Hotels & Resorts discounts
Overseas transaction fee3% of the converted amount
Minimum income$100,000 p.a.
Included insurancesTravel insurance, Purchase Protection, Roadside assistance insurance (PDS)
Annual fee$1,200 p.a.

Effective Frequent Flyer Program Point Earn Rates

Frequent Flyer ProgramDomestic SpendOverseas Spend
Qantas Points1 point / $2 points / $
Velocity Points1 point / $2 points / $
Singapore Airlines KrisFlyer Miles1 Mile / $2 Miles / $
Cathay Pacific Asia Miles1 Mile / $2 Miles / $

Key things to know

It’s worth noting that the Platinum Charge is, as indicated by its name, a charge card. This is slightly different to a regular credit card in that the balance needs to be paid off in full every month, otherwise, charges or penalties apply. American Express explain this in much more detail here.

The Platinum Charge card also requires a minimum annual income of $100,000. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the preceding 18-month period are ineligible for this offer.

Earning points from spend on the Platinum Charge

With the American Platinum Charge card, you’ll be earning Membership Rewards points.

Membership Rewards partners with the major frequent flyer programs in the region, allowing points transfers out to Velocity Frequent Flyer, Cathay Pacific Asia Miles, and Singapore Airlines KrisFlyer.

There’s a dedicated Point Hacks guide just to this program, so check that out for full details.


On top of the standard benefits of Membership Rewards points, Platinum Charge 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.

Be sure to read our post on when it makes sense to transfer Amex points to Qantas to make sure you’re getting the best value from your points balance.

If you do choose to transfer your points to Qantas, you may be able to take advantage of the bonuses Qantas offer occasionally to bump up your Qantas Point balance.

The earn rate on spend for the Platinum Charge is as follows:

  • 3 points per $ at restaurants in Australia
  • 2 points per $ on travel (airlines and accommodation)
  • 2 points per $ on overseas spend—with a 3% foreign exchange surcharge
  • 0.5 points per $ on utilities, telecoms and government transactions
  • 1 point per $ on everything else

This card is also eligible for Amex Local Champion to help pick up bonus points at local retailers.

For reference, the full set of terms for the Platinum Charge Membership Rewards program are here.

There’s also a 300,000-points-per-year cap at the bonus point rate, after which all earn goes down to 1 point per dollar; total points earn is then uncapped.

Lounge access with the American Express Platinum Charge

There are several airline lounge options you can take advantage of as a Platinum Charge cardholder.

Virgin Australia offers the primary cardholder unlimited access to Virgin Australia lounges—and you’ll also be able to bring in a guest travelling with you. You’ll need to be travelling with Virgin Australia to gain access.

Virgin Lounge Melbourne Interior-w

The Virgin Australia Lounge in Melbourne

American Express also has a growing network of Amex-branded airline lounges globally, including one in the Sydney Airport International Terminal and another at Melbourne International Airport.

American Express Sydney Lounge 2

American Express Sydney Lounge

Generally, you can bring two guests to the American Express lounges, as well as children travelling with you, and with the Platinum Charge, you are able to access the Sydney lounge and Melbourne Lounge (and others globally) on an unlimited basis, regardless of which airline you are flying.

We’ve written about the other American Express Lounges, mainly located in the US as well as one in Hong Kong, in our guide to the American Express Lounge network.

The Centurion Lounge in San Francisco

You’ll also receive a Priority Pass lounge membership for you and a supplementary cardholder, and a guest travelling with you. You and an eligible guest are also able to get free food and drinks ($36 per person off the total bill) every time you fly at the eateries added to the network at Sydney, Melbourne and Brisbane Airports.

There’s also a 10% discount on paid Priority Pass memberships here for Point Hacks readers.

The fourth lounge network Platinum Charge cardholders get access to is Plaza Premium, which operates a small number of about 50 high-quality lounges worldwide, including great lounges in Melbourne and Brisbane’s International Terminals. You can read more in our Plaza Premium guide.

The Plaza Premium Lounge in Melbourne

Additionally, when travelling with Delta, a Platinum Charge cardholder can access Delta SkyClub lounges.

Cardholders travelling in any class with Lufthansa, SWISS and Austrian Airlines can also access the Lufthansa Business Class Lounges in the Satellite area of T1 Concourse B at Frankfurt Airport and T2 at Munich Airport, while those in Business Class can access the Lufthansa Senator Lounges in the same terminals.

Whilst a published benefit of some European American Express cards, Australian cardholders may also have success in entering the Eurostar Business Premier Lounges in London St. Pancras International Station, Ebbsfleet, Paris and Brussels when travelling in any cabin but there are no guest privileges.

Access to travel booking benefits and services through American Express Travel

American Express Travel is available to all Amex cardholders but Platinum Charge cardholders can get a lot of additional value, and may choose to use American Express Travel as their personal travel agent.

Platinum Charge cardholders will also receive a $300 statement credit each year for bookings made through American Express Travel.

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, South African Airways and Virgin Australia.

There’s also a price guarantee:

Pay the best available fare in First or Business Class with our partner airlines. With our Platinum Fare Guarantee, should you find a cheaper price for the same booking class, we’ll match it.

Read the terms and conditions here.

Then there’s a major hotel program benefit: American Express Fine Hotels and Resorts.

American Express Fine Hotels & Resorts is only for Platinum Charge cardholders

American Express Fine Hotels & Resorts (FHR) is a unique benefit for cardholders, which offers even more hotel benefits when booked through American Express.

Amex FHR Website

The benefits typically are subject to availability, but can include:

  • An on-property benefit, often $100 USD in credit per stay
  • 12pm early check-in
  • Room upgrade if available
  • Complimentary breakfast for two
  • 4pm late check-out
  • Complimentary wifi

With many FHR bookings, you’ll also continue to receive points and status with the parent hotel loyalty program too, unlike other consolidators.

I have reviewed the kind of treatment you get when booking hotel stays through Fine Hotels & Resorts at the Shangri-La properties in Sydney and Cairns.

Hotel Status & Membership that comes with the American Express Platinum Charge

Beyond the actual travel booking benefits and discounts, there’s also the potential to gain Gold elite status in five hotel loyalty programs:

80,000 bonus Membership Rewards points with the American Express Platinum Charge was last modified: June 13th, 2018 by Keith

You’ll also get elite status with both Hertz (Gold Plus Rewards Five Star) and Avis (Preferred Plus).

Note: Accor Plus membership used to be a benefit of the card earlier in 2015, but this has now been removed. Some existing cardholders would still have access to this program too.

Platinum Charge Travel and other Insurances

I always err on the side of not providing too much commentary on credit card travel insurances because everyone’s needs are different. You can and should read the PDS for the insurance benefits of the Platinum Charge here.

The insurances included are:

  • Travel insurance, including for points redemption bookings from using points earned by your Platinum Charge
  • Travel Inconvenience Cover – up to $700 on hotel accommodations, meals and/or clothing
  • Personal Baggage, Money and Documents Cover – up to a maximum of $30,000 per 365-day period including $5,000 for any one item/pair/set of valuables, $1,000 for money or mobile phone and $3,000 for any one laptop
  • Up to $125,000 of loss damage waiver insurance for rental cars
  • Up to $500 to repair a broken smartphone screen (effective 1 November)
  • Purchase protection
  • Roadside assistance insurance
  • Home Assistance cover up to two times per year

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.

Smartphone Screen Insurance is unique in the market as a credit card insurance offering, and it will cover you for screen repairs up to $500, with a 10% excess on the claim. If the Smartphone is paid on a monthly contract, cover will start 30 days from the date of the first monthly payment on your card.

We have covered off some of the details of the rental car benefits and insurances offered by the Platinum Charge Card in this dedicated guide.

Downsides to the American Express Platinum Charge

Given the $1200 annual fee, you’d hope that the Platinum Charge card would be pretty much perfect – but there are some missed opportunities.

There are a few ways the card could be made better—firstly, some of the partnerships have specified end dates, giving a little uncertainty about whether they will be renewed for future years. Given the relatively high fee, it would be good to know for sure.

While bonus points are offered on overseas spend (2 points per $), a 3% foreign exchange fee is charged on these transactions. The US version of this card provides no foreign exchange fees, by comparison.

There is also no airline status supplied with the card—although the included lounge access goes some way to making this up, airline status can help to get seats assigned and improve upgrade possibilities.

Taking advantage of supplementary cardholders

The Platinum Charge Card offers supplementary cards linked to your primary account for supplementary cardholders over 18 years of age.

The Priority Pass membership can be used by one supplementary cardholder as well as the primary account holder. The following statuses can also be registered for at least one supplementary cardholder:

  • Preferred Golf complimentary membership
  • Starwood Preferred Guest Gold (match to Marriott Rewards)
  • Radisson Rewards Gold Elite status
  • Hilton Honors Gold
  • Shangri-La Hotels Golden Circle Jade
  • Hertz Gold Plus Rewards Five Star
  • Avis Preferred Plus

Registration of status benefits for supplementary cardholders is handled mostly through the Amex website once you have set up the cardholders on the account.

You can also get itemised transaction reports for supplementary cardholders through the Amex website or your statement.

Sign up for Amex offers

Amex Offers is a program which provides a statement credit to your account for making an eligible purchase. Think of it as an instant cashback offer without having to deal with any paperwork.

By logging into your app or the Amex website, you can add promotions from certain retailers to your Platinum Charge card, meaning you could get something like $15 off when spending $75 or more at Heinemann Duty Free and paying with this card.

Using the card for business expenses

Given the annual fee of this card, and the points bonuses for dining, travel, and overseas spend, many cardholders choose to use it for as many expenses as possible.

Business expenditure can be put on the card. American Express offer a unique option to add an ‘additional’ card (this is different to a supplementary cardholder, as outlined above). An additional card is second card that’s issued in the cardholder’s name with a different card number, which makes it administratively ideal for using your primary card for personal transactions, while you keep the additional card to one side for business transactions.

When looking up your statement and transaction history online or in downloaded or paper statements, transactions are itemised by cardholders (additional and supplementary) making it much easier to reconcile.

For small business owners, Xero also handily allows import of transactions made just on one card into your Xero account.

If you use the card solely for business use the annual fee may be tax-deductible, but check that with your tax advisor to be sure.

Considering this card for Business-related transactions?

American Express offer a range of both business and consumer charge and credit cards. They do permit business transactions to be made on personal cards, unlike some other banks, but you might find some of the other business-focused benefits of the business cards to be appealing or more appropriate.

So – if you’re a sole trader or a business looking to earn points with your business spend – this card would still work for that purpose.

There’s a full list of business and personal consumer American Express cards which might be suitable for earning points from business-related transactions here.

80,000 bonus Membership Rewards points with the American Express Platinum Charge was last modified: June 13th, 2018 by Keith

Eligibility criteria for bonus points for existing American Express Card Members

American Express are quite specific about whether existing Card Members will be eligible for bonus points if they apply for a card, are approved, and meet the minimum spend criteria.

If you hold a bank-issued American Express – such as from Westpac, Commonwealth Bank or NAB – that won’t affect whether you’re eligible for bonus points with an American Express branded card offer. There’s more in our guide to this here.

However American Express don’t allow existing cardholders, even for different types of American Express cards (e.g. Charge, Credit or Business) to be eligible for bonus points offers for cards in a different family.

80,000 bonus Membership Rewards points with the American Express Platinum Charge was last modified: June 13th, 2018 by Keith

Summing up: the American Express Platinum Charge card

This card is likely to appeal most to those who travel frequently and who spend enough to earn enough points to make the most of both kinds of benefits of the card.

If you take advantage of the softer benefits, such as concierge and insurance services too, there’s also a lot of value to be had.

Ultimately these are prestige and elite cards and for those who know how to get the most out of them, they can be really lucrative. But they aren’t for everyone, so it’s important you assess whether it meets your personal requirements.

Once you’re a cardholder, take advantage of the Amex referral program to earn more points

The American Express referral program allows cardholders to earn points by referring their friends and family to apply for other American Express cards, offering both the applicant and the cardholder bonus points for doing so.

There’s a full guide to the referral program here.

80,000 bonus Membership Rewards points with the American Express Platinum Charge was last modified: June 13th, 2018 by Keith

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Comments Expand Comments

  1. Andy

    I applied for this last week to take advantage of the 120K points offer. Could you please confirm the spend requirements to qualify (I didn’t keep a record and they’ve now been taken down). Many thanks.

      • Andy

        Thanks Matt

        It was a PH only offer and set out in your guide (which has since been updated) – surely a spend requirement you advertised is something you’re able to confirm?

        Unfortunately there is no record of your offer anywhere – an email confirmation or something similar would make sense.

      • Hey Andy, just looked into it:

        The bonus points are split into 40,000 Membership Rewards points for every month you spend a minimum spend of $1,500 within the first three months, with the points to be credited to your account around 8-10 weeks after the minimum spend is reached.

        Happy spending!

  2. Hi Keith,

    Thanks for great review. I have applied and and received my card today!

    I have checked out the hotel elite status and it appears that Radisson Rewards Gold Elite is now called Carlson Rezidor Hotel Group – Club Carlson – Gold Elite. You might want to update the review.

    Thanks again for the great review.



  3. Alana

    I find it incredibly annoying there is no option or deal for current Amex cardholders (I have an explorer Amex card) to upgrade to the platinum charge card with some sort of deal (reduced price, bonus points etc). I rang Amex today and was told if I wanted to upgrade to platinum it would be $1200 and no bonus points

  4. Nice post. I was checking constantly this blog and I’m impressed!
    Very useful info particularly the last part :
    ) I care for such info a lot. I was seeking this particular
    information for a long time. Thank you and best of luck.

  5. Matt

    I earn $250,000k a year, never missed a payment and own property yet i got knocked back for this card?! I must have too gooder credit history and they’re worried they won’t make interest and late fees? Anyone else in a similar situation?

  6. Carol

    Hi Keith, Like George, I would also like to know if I have clicked through from your 120K link before 30/3 will there be a way to confirm (via your referral fee payment?) in case there are any issues. Have been approved and as per terms and conditions should be eligible for bonus despite holding another Amex ( not a charge card). Thanks

  7. George

    Hi Keith, I have recently applied and been approved for a Platinum Charge Card (card in in the mail). I have two quick questions:
    1. Is there any way to confirm that AMEX has properly registered me for the 120K points bonus (given I clicked through from this website to apply)?
    2. My understanding is that ATO payments receive 0.5 points per 1$ spent on the card. Can I simply spend $1500 on an ATO payment to satisfy the min spend criteria?
    Thank you

  8. Scott

    I tried applying for the charge card and I received a confirmation with a reference number as soon as it was submitted. A few days had passed, I thought I’d follow up, but found out that Amex never received my application. I have since tried once more, still no luck. Not sure what’s happening.

  9. Marc

    Hi Keith,
    I’ve applied for the card, was approved and just got the card, many thanks for that.
    Now, I was wondering if i were to apply for the Priority Pass at a later date, will the expiry of the Priority pass follow the AMEX membership anniversary date. What is the general validity period for this Priority pass, ie 1 year from date of request ? Does it get cancelled immediately if i decide not to renew the AMEX platinum charge ?

    • Keith Author

      I just checked my Priority Pass membership and it looks like it expires on a calendar year basis – not in sync with my Charge account. I don’t think it gets cancelled immediately if you don’t renew, but I haven’t tested that.

  10. TS

    I have been using this card for almost 3 months. So far I have been extremely disappointed and I have nothing good to say about the service and the value. Don’t get me wrong, the 120k points and priority pass are great. However, everything else is carp.

    The service I received isn’t on par with some of the other premium cards I held. The quality of the concierge isn’t fantastic (e.g. it took me 20 minutes to get the priority pass for my subcard holder because the concierge had no idea about the term and conditions, it took one week, 2 emails and 5 calls for them to attempt to resolve a merchant issue etc).

    In addition, the 300 travel credit is totally useless. I can get cheaper hotels and flights through the hotel and airline websites even with after applying the $300 credit (same room and same time). I would not bother signing up to his card if not for the sign on bonus. There’s no way I am going to renew next year. Not even with half the annual fee!

  11. Emily

    Hi Keith

    Seems like a low earn rate compared to the Explorer card? Effective earn of 1:1 vs 1.5:1 for Explorer?


    • Keith Author

      Yes, for general spend. The Charge card benefits are more the unlimited line of credit, plus bonus point categories and the range of other benefits – it’s not just about the points, although you’d hope that the points earn rate would be better, it’s not.

  12. JR

    Is there no lounge access in Tokyo’s Haneda Airport for Platinum Charge Cardholders?

    I can’t find it via the Platinum directory, and whilst there are lounges listed on the Haneda airport directory, it seems like they don’t accept American Express Platinum cards issued outside of Japan…

  13. Ryan

    Can I get the 120,000 bonus points using your referral link but pay the lower Chartered Accountants annual fee as I am a member of the CA?

    Or do I have to apply directly through the CA?

    • Keith Author

      The 120,000 point bonus is only available if you click through from this page, and yes, that does mean there are no discounts on the annual fee as a result.

  14. Will

    Hi Keith –

    Got the Charge in January and just called in to request the Platinum Reserve. Was told they have changed the Domestic/NZ free flight to a $400 travel credit.

    Between this, the Platinum Edge switch, and the current $50 off $200 offer for purchases via Amex Travel, it’s interesting to see Amex investing / doubling down on their travel portal.

    While I was disappointed by the switch in benefits for the Platinum Edge (as I got much more value out of the flight than $200 there), I feel $400 is reasonable value for the Reserve free flight given my travel priorities (and the difficulty of finding saver redemptions to ZQN).


  15. Rob

    The points earn on the Platinum is a bit of a downside. My preferred transfer partner is SPG, but the effective earn rate outside of travel/restaurants/Intl spend is a paltry 0.5 SPG points per $1 vs a 1 SPG point per $1 on the Amex Explorer. In this instance, being part of Ascent MR has no benefit vs MR Gateway for my purposes (SPG points).

    Does anyone know if the Reserve card is still offered as a fee-free companion with the current revised Amex Platinum offer?


    • Keith Author

      It is still offered, but not promoted by Amex as a benefit – on request only. Read into that what you will, I suspect it may change somehow in future.

  16. Dragonbaby

    Hi Keith,

    Thank you for the nice write up. I just want to confirm re hotel status benefits e.g. the Hilton Hhonor gold status benefit with the charge card. You mentioned that the supplementary card holders CAN also register for this benefit? This would make a huge difference for me.

    • Keith Author

      Sorry for the delayed reply here – I checked the Platinum Benefits Directory in my account online and most of the status options are available to supplementary cardholders, including Hilton Honors and SPG Gold.

  17. Matthew

    Any guess as to when this offer of 100k pts may appear again?
    I’ve signed up to the Explorer card recently, used the $400 travel allowance which was good.

    Thinking to wait a while until signing up to the Platinum.

  18. Alex

    The big decider for me is the complementary reserve card with $400 travel credit. This should be at the top of the list above. Hopefully amex will just combine the credits making it $700.

    • Keith Author

      They don’t combine the credits unfortunately, you have to use them individually. The Reserve card fee is waived, but you still need to ‘apply’ for the Reserve – which involves another credit check. I would assume the chance of not being approved is low but that’s why we don’t play it up in this guide, it’s not a confirmed benefit of the Charge card and as it offers the same points earn rates, the primary benefits of holding it are to increase the points available under the cap if you’d be close to the Charge points cap, and the travel credit.

      • LLO

        Keith, I would have thought there are three good reasons to have the Platinum Edge in addition to the Platinum charge card:

        The $200 travel credit
        3 points on grocery shopping
        2 points on fuel

        Plus it’s free with the charge card.

      • Keith Author

        For sure, Edge + Charge is a potent combination. Edge is not by default free to everyone who holds a Charge card AFAIK, there isn’t a formal fee-waiver policy.

        The other comment is referring to the Platinum Reserve card which is only available to Charge card holders and does have a fee-waiver.

  19. Ryan

    Hi Keith,

    Any idea if the referral bonus is active on top of the 100K points this time around? I havent been able to find anything, and an extra 10K or 20K points would help tip the scales for me to offset the cost. Cheers!

  20. Johnson

    I have been looking at this card for some time now, but have been hesitant to grab this due to the overall cost. But over the coming months I will be travelling interstate for work purpose regularly and Virgin Lounge would be a big bonus for me and tipped me over the edge to get it.

  21. Ben

    Thanks, Keith. On the first question there’s an ambiguity in the wording of the exclusion on the AmEx website. If I decide to proceed I’ll ask them to clarify.

  22. Ben

    Hi Keith,

    A couple of questions about the Platinum Charge:

    Is the sign-up bonus available to people who have AmEx-issued credit cards as long as they have no charge cards? (I have Platinum Edge and Velocity Escape.)
    What codes as a “restaurant” for triple points? Cafes? Bars? Takeaway?

    • Keith Author

      On your first question, my understanding is that any Amex issued card, Charge or Credit, would mean the signup bonus isn’t available. That said, it seems that those who apply through a referral from the Amex referral program have more luck at picking up the bonus points, but no guarantees.

      Restaurant – you got it, pretty much any food serving business, big or small. The exception are restaurants in hotels, which usually credit as hotels. Amex are also very good about crediting extra points if they don’t credit correctly on your statement and you nudge them through online messaging.

  23. Kelvin

    hi guys, in relation to platinum reserve I’ve rang twice, only to be told they will mail a form and nothing turns up. anybody have a copy of the Paper form available? thanks

  24. Christian

    Hey guys. Anyone tell me how you are identified when using the virgin lounges? Of its just flashing the card what’s to stop supplementary holders doing the same? Is there differences between how the primary and sup cards look?

  25. Hi. This is a question about the current AMEX referral July bonus (60,000 points). I recently referred my husband for the card and received one x 20,000 credit to my account, then a 60,000 credit came through the next day. Are any referrers out there able to confirm if the 60,000 points are in ADDITION to the usual 20,000? I’m guessing that is the case, otherwise it looks like someone else might have used my referral just prior to July 1 (a pleasant surprise).

    (Sorry for posting this here – but comments on July AMEX referral bonus are closed).

    • Keith Author

      Delayed reply, sorry. I am 99.9% sure this would be due to someone else using your referral rather than extra points from the one referral being credited. Never know of course but it is supposed to be 60k in July.

  26. I am new to Pointhacks & still trying to get my head around all of this new information. I currently have a CBA issued Diamond Amex Card, after reading your other articles I was intending to get a Platinum Edge card to make use of the 3x points earning capacity & 10,000 bonus points. Reading this article though, is it worth getting this card for a 12 mth period just to get the 100,000 points? I assume this would mean they cost 1.2c p/pt, of course if I was to use some of the other benefits of the card this p/ppt cost would decrease. Does the fact that I have a bank issued Amex card preclude me from the bonus points?

    As mentioned previously, the ultimate companion card would be the Platinum Edge (but this does not seem possible). Looking on the Amex website, I can’t seem to see where the reserve card is listed that provides the additional flight with wider scope you mention.

    Thank you for all of this wonderful information. I will certainly apply for whichever card via your links.

    • Keith Author

      I can’t recommend whether you should apply for this card over any other, and whether the benefits of this one stack up for you. But in answer to your questions…

      Does holding a bank-issued Amex preclude you from picking up the bonus? No!
      Platinum Reserve is no longer available to apply for so there is not much info about it on the Amex site. There is a list of flights here. I’ll be doing a post on the Reserve soon.


  27. Waz

    Hi Keith,

    My wife just got the platinum charge card yesterday. It seems that FHR is no longer available for Aus cardholders. Can you confirm? We were able to access it yesterday but today it shows you a link to apply for a US based card even though we have logged in. The Aus Amex site seems to not show FHR as one of the benefits.


    • Keith Author

      Hey Was – it’s still a benefit (to my knowledge). I was just looking at rates last night.

      You were most likely looking at the directory of properties on the US site, which doesn’t recognise AU Plat Charge cardholders as you found. On the AU site you need to log into your account and start searching for hotels through Amex Travel / ‘Platinum Travel’ as it’s called in the site navigation. Have a read of this guide to FHR for more and some screenshots.

  28. Joy

    “The downside is that you do need to pay your account in full each month, and if you don’t, all points in your account are forfeit and large fees will apply.”

    Wait, does this mean that ALL the MR points in my account will be wiped out, or just the ones accrued for that month?

    • Keith Author

      All points are forfeit on the charge card if you don’t meet the repayments. It’s tough but that’s the deal with a charge card. You’ll be able to get them reinstated maybe once, but otherwise you need to keep on top of your balance to keep earning more points.

  29. Has anyone had any luck recently with securing a companion card like the Platinum Edge? I’ll be ringing up shortly to try and take advantage of this. Has anyone ever tried to get access to a different companion card? The earn rates on David Jones’ cards could make them an attractive option, albeit without the free domestic flight… Happy to hear any thoughts or tips.

  30. Simon

    I weighed up the pros and cons of this card for a while before I took the plunge. It has been well worth it in my opinion. I had a Platinum Reserve Credit Card prior to signing up for the Platinum. The Reserve Card is now free, but it doesn’t look like they offer it anymore.
    1. Still get the perks of the Reserve Card – namely the domestic or NZ flight.
    2. Have saved a bundle with their offers via the app. These are multiplied out when my partner takes advantage of them AND we also can use them again on our Reserve card
    3. Remember you get $200 to spend on travel including the usual flights.
    4. They sometimes have significantly cheaper airfares in the premium economy/business/first – but not all the time. It’s always worth ringing and asking. I saved $600pp (20%) for two pax yesterday compared to the cheapest I could find anywhere online… Annual fee paid for!
    5. The customer service is excellent. I frequently use them to book restaurants for me.
    6. Insurances are very good (although the excess is a little high IMO)
    7. The ability to transfer to Qantas without paying any extra fees etc.
    8. Lounge access is very good. Used their new lounge in Sydney International – small and intimate, better than Qantas Club for sure. I already have access to Virgin lounges but can imagine this would be a massive bonus. The Priority Pass is unlimited visits with a guest – unlike most other cards (both AMEX and non-Amex) which is two visits per year, no guests. I gave my second one to my retired parents who are busy spending my inheritance….!!!
    9. Hotels – The Accor Advantage Plus has been an excellent bonus – discount hotels, and have used the dining benefit a reasonable amount. I have also used the fine hotels program in Sydney – stayed at the ShangriLa, the rate was only marginally more expensive than i could find elsewhere, got an upgrade, free breakfast and a $100 credit. I regularly stay at Accor hotels so the Platinum loyalty card means I get very well looked after with free drinks, gifts and upgrades.

    So… I definitely get my money’s worth – but it’s an individual thing. You should realistically calculate what you will use and how much it may save you.

    Remember that AMEX have affiliation with many professional occupation organisations and give discounts on their annual fee – it’s worth checking if yours or a friends does.

    Hope this helps.

  31. ryan

    hi keith – i have also not had any success with getting the Edge as a companion card.
    in your post it sounds like getting the Edge would have been easier than the Reserve but i got offered the Reserve straight away but got refused on the Edge.
    It sounds like this might be standard policy now as the other poster described so i’m not sure if it’s worth calling back to talk to someone else.

  32. Frank

    Hi Keith,

    The Virgin Club lounge access is a great benefit of the platinum card. That said, if you have luggage to check it doesnt help circumvent queues at check in. Or is there some way I’m not aware of?

    Seriously considering relinquishing my QC m/ship for Virgin however if I want priority at check in, and in the absence of having sufficient status with Virgin to qualify for priority, it seems i would still have to join the Virgin Club even though I get lounge access via my platinum card.


  33. One thing rarely discussed imo is that additional cardholders get many of the same benefits as the primary cardholder. Handy for friends or family members that don’t share our ‘hobby’. You can also nominate one additional cardholder to receive Priority Pass Prestige membership. In a recent trip to Queenstown the dining discount from Accor Advantage Plus actually saved us money. The express pass at Sydney Airport has served my family well too. Lastly, when there’s Amex cashback offer each card can be registered separately since they bear different numbers. $10 off on $20 purchase? why, yes please.

  34. Ike

    I still personally struggle to understand the value of the Platinum Charge. Most of the top tier cards from the Big 4 banks give you lounge access (which is somewhat moot if you have a decent frequent flyer status), and their travel insurance policies are more substantial. Citibank’s Signature gives a really good point bonus for foreign transactions. The Prestige card comes in at $700 which I a, leaning towards.

  35. Mark

    I have the platinum charge card and requested the Platinum Edge Credit Card. However, I was denied because the point structure is different.

    Could be time to look for another provider if they can’t agree to a simple request.

  36. gdoubleu

    Thanks for the opportunity to write about the Platinum. Where to start? I have had the card since ’11 when it was $800/y I recollect. Generally it pays for itself. I travel extensively, mostly overseas.

    On the positive side:
    – Can access the Amex Centurion Lounge in the US
    – Great $/point ratio when purchasing in FCY
    – Insurances (travel, purchase)

    On the negative side:
    – Cost: the US equivalent costs US$450/y
    – Foreign currency fee
    – Appalling customer service for out of the ordinary issues (emergency card replacement, travel booking)
    – Dealing with ACE insurance for claim is slow and generally a pain.

  37. Sean

    No doubt, it’s kind of creme de la creme card but with a whopping $1200 annual fee, they could do with removing the 300,ooo MR points cap for tiered earnings, foreign transaction fee, and the 0.5 MR points tier and absorb to 1 MR point.

    It does not mention about the 300,000 MR tiered points cap against the supplementary Amex Plat Edge nor Platinum Reserve. Any details on that?

Links to this article

  1. American Express Membership Rewards Benefits Guide

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