Platinum membership entitles you to a portfolio of Cards, available at no extra cost.

Your portfolio includes an additional Platinum Charge Card to assist you in delineating your personal and business expenses. You can also extend the benefits of membership to those closest to you with four Supplementary Platinum Charge Cards. And you'll earn valuable Membership Rewards points on your Additional Card and Supplementary Card member's spend, to help you reach the rewards you want faster.

In addition to the extra Platinum Charge Cards you are entitled to a complimentary Platinum Credit Card. The Platinum Credit Card has an annual fee of $395, however as long as you continue to be a Platinum Charge Card member the fee will be permanently waived.

A wide range of items you purchase with your Platinum Card are now covered by Purchase Protection. So, if your item is accidentally damaged or stolen within 90 days of the date of purchase, it'll be replaced or fully refunded up to $3,500 per eligible item.

For full details of your cover, including exclusions, please click through to the Product Disclosure Statement.

If you've tried to return an unused eligible item purchased with your Card within 90 days of the date of purchase and the establishment refuses to take it back, Refund Protection will refund the purchase price, subject to exclusions, up to $1000 per item.

For full details of your cover, including exclusions, please click through to the Product Disclosure Statement.

Buyer's Advantage* enables you to double the manufacturer's warranty for up to 12 months on most electrical products purchased in Australia for personal, non-commercial use, that carry a manufacturer's original warranty of five years or less. There are no forms to fill out, simply pay for your electrical products on your Platinum Card.

* Buyer's Advantage is underwritten by ACE Insurance Limited, (ABN 23 001 642 020, AFS Licence No. 239687). For full details of Buyer's Advantage, please click here. Please click here.

Express cash gives you access to cash from ATMs worldwide. You can withdraw up to A$6,500 every 14 days in Australia and up to A$10,500 every 14 days when you're overseas.

A $1.25 ATM per transaction fee applies and a currency conversion fee is payable when a cash withdrawal is processed in a currency other than Australian Dollars.

The Flexible Payment Option gives Platinum Card members the option to pay over time for larger purchases. This flexible extra feature is reserved for Cardmembers who have had a Charge Card relationship for at least 6 months.

Application is by invitation only.

Easily reconcile your expenses with an annual record of all the charges on your account broken down by month and category.

Access a line of credit of at least $5,000. You can use your line of credit to pay your Platinum Card account, or transfer the funds directly to your bank account to spend whenever and however you like by calling Platinum Card Service.

Shop online with confidence when you pay with the American Express Platinum Card. With our Online Fraud Protection Guarantee you won't be held responsible for any unauthorised charges online.

Provided you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges