American Express may vary the %APR, interest rates and other charges from time to time.

1. No rebate is payable in any month in which the minimum payment is not received by the due date. No rebate is payable on cash withdrawals, interest, fees, balance transfers, amounts subsequently re-credited to your account due to refunds, or expenditure in any one month exceeding the amount of your Credit Limit. No rebate is payable if you end the agreement before the relevant Card Anniversary date. Subject to the above a rebate of 5% will be payable to you by us on all transactions made in the first 3 months up to £4,000 and applied at the same time as any annual rebate. An annual rebate on the aggregate amount of all transactions (other than the exclusions stated above and any introductory offer) will be payable to you by us and calculated at the following rates, 0.5% for aggregate amounts up to £3,500; and 1% for aggregate amounts from £3,501 to £10,000; and 1.5% for aggregate amounts in excess of £10,001.
    
2. We may offer you the opportunity to request Balance Transfer(s) from time to time - we will charge interest on all balances that result from Balance Transfer(s) at the standard rate of 18.9% per annum, 2.08% per month on a daily basis until the amount is fully repaid to us. For example we reserve the right to refuse any Balance Transfer requests including Balance Transfers from overdue accounts, exceeded Credit Limits, overdrafts, loans, HP agreements or any Amex accounts. We are not liable for any overdue payments or interest incurred. Payments to card companies will normally be made within 30 days from receipt of your statements and we will advise you when payment is made. We may charge a handling fee in relation to Balance Transfers. Any such handling fee will be 3% of the Balance Transferred.
    
3. When you use your Card online you will not be held responsible for unauthorized charges.
    
4. a)Purchase Protection Benefit: Up to £20,000 for every 365 day period, for eligible items stolen or accidentally damaged within 90 days of purchase. Exclusions apply. See Summary of Benefits for full details and requirements.
   b) Refund Protection Benefit: Up to £200 per eligible item and £750 for every 365 day period. Exclusions apply. See Summary of Benefits for full details and requirements.
   c) American Express Services Europe Limited ("AESEL") makes various benefits available to Cardmembers. These benefits derive from contracts which AESEL has made with third parties which AESEL is free to amend, extend or terminate at its sole discretion. These benefits do not form part of AESEL's contract with you but AESEL will aim to inform you 30 days in advance of any changes to the available benefits which may be to your detriment. One of the benefits currently available is the benefit of contracts of insurance made between AESEL and certain insurers, including Purchase Protection and Refund Protection. You will lose these benefits if you cease to be a Cardmember. Exclusions apply. Full details of the insurance benefits currently available can be found in the Summary of Benefits document.
   
   Written details are available on request. Applicant must be 18 years old or over. The Platinum Credit Card is offered by American Express Services Europe Limited. Registered Office: Belgrave House 76 Buckingham Palace Road London SW1W 9AX. Registered in England and Wales with Number: 1833139

• Read Card Terms and Conditions
• Read Summary Box
• Read Summary of Benefits

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