Up to 150,000 Membership Rewards Bonus Points¹

The American Express® Platinum Card

Cards are offered, issued, and administered by American Express Australia Limited ABN 92 108 952 085.

American Express income and credit approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information, including fees and charges are correct as at 1 July 2018 and are subject to change. Applicants must be 18 years of age or over, reside in Australia and earn a minimum income of $100,000 per annum to apply for the American Express Platinum Card.

1. Bonus Points Offer. 150,000 Membership Reward Bonus Points are only available to new American Express Card Members who apply for the Platinum Card by 28 August 2019, are approved and meet the spend criteria. Receive 50,000 points each month you spend $1,500 or more on your new Card in the first 3 months from the Card approval date. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the proceeding 18 month period are ineligible for this offer. Previous and existing bank issued American Express companion cardholders are eligible for this offer (cards issued by: Australia New Zealand Banking Group Limited, Commonwealth Bank of Australia, National Australia Bank, Westpac Banking Corporation). Please allow 8-10 weeks for the bonus points to be credited to your account after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.

2. Annual Travel Credit. Book through americanexpress.com.au/travel or by phone through Platinum Travel Service for flights, hotel, car hire and experiences. All other bookings, such as Fine Hotels and Resorts and Hotel Collection bookings are excluded. Benefit available for the Primary Card Member only to redeem in a single booking. For bookings less than $450, any unused portion of the Travel Credit will be forfeited. The Travel Credit cannot be carried forward to any subsequent year. To check the expiration date of your Travel Credit if you have not already redeemed it, please visit americanexpress.com.au/travel; log in and click Travel Credit Details in the top right hand corner. No refunds, including cancelled bookings. Travel Credit spend will not earn Membership Rewards points. For full Travel Credit Terms and Conditions visit americanexpress.com/australia/platinumtravelcreditterms

3. Global Lounge Collection:

The Centurion Lounge Network. Platinum Card Members have unlimited complimentary access to The Centurion Lounge locations. Gold Card and Green Card Additional Cards on your Account are not eligible for unlimited complimentary access. Platinum Card Members may bring up to two (2) companions into The Centurion Lounge. Children under 2 years of age can access the lounge free of charge, provided an accompanying parent or guardian is able to produce a “lap infant” boarding pass or proof of age. To access The Centurion Lounge, the Platinum Card Member must present The Centurion Lounge agent with the following upon each visit: his or her valid Card and upon request, same-day airline ticket on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. The Centurion Lounge is a day of departure lounge. Platinum Card Members who have landed will not be able to access the lounge. Card Members with layovers or connecting flights who produce proof can access the lounge. Platinum Card Members cannot access The Centurion Lounge more than 3 hours before the scheduled departure time on their same-day, confirmed boarding pass. This does not apply to Card Members with a connecting flight. Platinum Card Members will not be compensated for changes in locations, rates or policies. Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Platinum Card Member must be 21 years of age to enter a lounge with a self-service bar, unless you are accompanied by a parent or legal guardian. Platinum Card Members are allowed access to The Centurion Lounge in all U.S. locations. American Express reserves the right to remove any person from a lounge for inappropriate behaviour or failure to adhere to lounge rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability. The Centurion Lounge hours may vary by location and are subject to change. Amenities may vary among The Centurion Lounge locations and are subject to change. In-lounge services and amenities are complimentary, however you are responsible for any purchases and/or servicing charges you authorise our Member Services Professionals to perform on your behalf. Some American Express® Cards are not eligible for all services provided by Member Services Desk. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside The Centurion Lounge. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice.

International American Express Lounges. Platinum Card Members have unlimited complimentary access to American Express Lounge locations. Guest access policies vary by location and are subject to change. Fees may apply for additional guests. To access American Express Lounges, the Platinum Card Member must present the agent with the following upon each visit: his or her valid Card and upon request, same-day airline ticket on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. Platinum Card Members will not be compensated for changes in locations, rates or policies. American Express reserves the right to remove any person from a lounge for inappropriate behavior or failure to adhere to lounge rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability. Amenities, services and hours of operation may vary among locations and are subject to change.

Priority Pass. Subject to the Terms and Conditions of the Priority Pass™ program. Priority Pass is an independent airport lounge access program. Primary Platinum Card Members and one nominated Additional Platinum Card Member per Account are eligible for Priority Pass membership. At any visit to a Priority Pass lounge that admits guests, you may bring in one guest at no charge. You will be charged the prevailing retail rate for any additional guests. Some lounges do not admit guests. Both the Primary and Additional Platinum Card Members must enrol into Priority Pass and may access participating Priority Pass lounges by presenting your Priority Pass card and airline boarding pass. In some lounges, Priority Pass member must be 21 years of age to enter without a parent or guardian. 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, including house rules of participating lounges, and can be viewed at prioritypass.com. Please allow 4-6 weeks from enrolment to receive your Priority Pass card and membership package.

Plaza Premium. Platinum Card Members (and Additional Platinum Card Members) are entitled to complimentary access to the Plaza Premium lounges. The Platinum Card Member may bring up to 2 guests into the lounge at no additional cost. All lounge access fees for additional guest visits will be charged directly to the Platinum Card Member's Card, and at the prevailing retail rate, per person, per visit. Lounge access to infants under two years of age is complimentary. To access the Plaza Premium lounges, the Platinum Card Member must present the agent with the following upon each visit: his or her valid Card and upon request, same-day or following day boarding pass on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. Platinum Card Member must be at least 18 years of age to enter without a parent or guardian where there is a self-service bar. Plaza Premium Lounge reserves the right to remove any person from a lounge for inappropriate behaviour or failure to adhere to lounge rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability and is not guaranteed. The full Plaza Premium Lounge Facilities Terms and Conditions are available at https://www.plaza-network.com/terms. Facilities, amenities, services and hours of operation may vary among locations and are subject to change. Terms and Conditions are subject to change without prior notice.

Delta Sky Club. The Platinum Card Member must present his or her valid American Express Platinum Card, government-issued I.D., and same-day corresponding airline ticket to club ambassador. Access to Delta Sky Club partner lounges is not permitted. Individuals must be at least 18 years of age to access Delta Sky Club, and 21 years of age to access locations with a self-service bar, unless accompanied by a responsible, supervising adult who has access to the lounge. Platinum Card Members must adhere to all House Rules of participating clubs. Participating airport clubs and locations subject to change without notice. Additional guest access and fees subject to terms and conditions of participating airport clubs. For the most current Delta Sky Club access and pricing policy, please visit Delta.com/skyclub. All Delta Sky Club rules apply to Delta Sky Club membership and use. To review the rules, please visit Delta.com/skyclub.

Virgin Australia Lounge. Access is complimentary for Primary Platinum Card Member and one complimentary guest only. The Primary Platinum Card Member and guest must be travelling with Virgin Australia domestically. Access is to Virgin Australia-branded lounges in Australia only. Name on boarding pass must match the name on the Platinum Card. The Platinum Card Member and guest must present his or her valid Card and same-day departing flight boarding pass (containing your Virgin Australia Velocity Frequent Flyer number and status) to Virgin Australia lounge agents. One guest per Primary Platinum Card Member permitted, children are classified as a guest. Guest must be travelling on same Virgin Australia flights and present boarding pass. All access is subject to space availability. This benefit is subject to change.

In some Lounges the Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Age restrictions for the service of alcohol also vary between Lounges. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside American Express Lounges. Use of American Express Lounges is subject to the local rules and conditions set by American Express and the Lounge operator. American Express and the Lounge operator reserve the right to revise the rules at any time without notice. For details of individual American Express lounge access requirements please visit global.americanexpress.com/lounge-access/the-platinum-card.

4. Membership Rewards Program. Subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au. You will earn 1 point per dollar spent with Merchants classified as 'government', including 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 points at the government earn rate.

5. FINE HOTELS & RESORTS. *Average value based on FINE HOTELS & RESORTS bookings in 2016 for stays of two nights. Actual value will vary based on property, room rate, upgrade availability, and use of benefits. Valid only for new FINE HOTELS & RESORTS bookings made through Platinum Travel Service or American Express Travel Online. Online bookings currently only available to Primary Platinum Card Members. Payment must be made in full with an American Express® Platinum Card in the Platinum Card Member’s name. Available for Platinum Charge Card Members only, and excludes Platinum Credit Card Members who are not also Platinum Charge Card Members. Card Member must travel on itinerary booked to be eligible for benefits described. Noon check-in and room upgrade are based on availability and are provided at check-in. Breakfast amenity varies by property, but will be, at a minimum, a continental breakfast. Complimentary In-Room Wi-Fi is provided, with the exception of explora Patagonia where In-Room Wi-Fi is not available. In this instance, complimentary Wi-Fi will be provided in a common space on property. In the case where a Property includes cost of Wi-Fi in a mandatory resort fee, the Card Member will receive a daily credit from the Property in the standard amount that the Property charges for Wi-Fi. The credit will be issued on the Platinum Card Member’s final statement upon check-out. Benefit restrictions vary by FINE HOTELS & RESORTS property and cannot be redeemed for cash, and may not be combined with other offers unless indicated. Advance reservations are recommended for services such as spa, dining or golf in order to take advantage of the FINE HOTELS & RESORTS special amenity during your stay. Benefits and additional FINE HOTELS & RESORTS promotions are only applied at checkout and expire at checkout. Limit one benefit package per room, per stay. Three room limit per Platinum Card Member, per stay; back-to-back stays within a 24-hour period at the same property are considered one stay. Participating FINE HOTELS & RESORTS properties and benefits are subject to change

6. Accor Plus. Annual Accor Plus membership is valued at $395 AUD, found at accorplus.com/en/australia as at 18 May, 2018. Enrolment is required and available until 16 April 2021. Accor Plus benefit is available only to the Primary Platinum Card Member. Complimentary membership is annual within the benefit validity after which standard eligibility criteria applies. Membership privileges will only be granted on presentation of valid Accor Plus membership card and member must identify themselves as an Accor Plus member at time of booking. American Express reserves the right to instruct AccorHotels to cancel your membership if you cease to be a Platinum Card Member or your account is not in good standing. Visit accorplus.com for full membership conditions, benefits and participating properties. Complimentary room nights are limited each night per participating property and must be made by visiting and booking through accorhotels.com. Enrolment in the Le Club AccorHotels program is required to receive Silver tier benefits. Benefits are subject to change. Benefits are subject to availability and may vary by property. To view terms and conditions visit leclubaccorhotels.com. Dining and drinks discounts may not apply to breakfast at selected hotels in Australia, New Zealand, Fiji and French Polynesia; mini bars, room service or pool bars; public holidays or during special events; or children’s menu. 10% best available rate is valid for properties booked online at accorhotels.com using your Accor Plus membership number. Members can book up to two rooms on their Member’s Rate. For more information, please visit accorplus.com/en/australia/benefits/more-sensations. Dining privileges are subject to Accor Plus membership terms and conditions which are found at accorplus.com/en/australia/about/terms-and-conditions.

7. Travel Insurance. The American Express Platinum Card insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits) - see the full terms and conditions available at americanexpress.com.au/platinuminsurance. You must use your American Express Platinum Card to pay for your return trip in order to be eligible for the travel insurance or pay for eligible items in order to be covered under the insurance. The insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Card members are not a party to the group policy, but may be able to claim under it as third party beneficiaries. This communication does not take into account your objectives or financial situation. You should read the full terms and conditions to decide if this insurance meets your needs.

8. Platinum Travel Service. All fees or amounts payable in relation to the services are inclusive of GST where applicable. All fees, taxes and charges levied by the travel providers and/or air travel suppliers still apply and these are subject to change without notice until such time as tickets are issued. Domestic ticketing includes New Zealand. Travel services provided by American Express International, Inc. ABN 15 000 618 208. Incorporated with Limited Liability in Delaware, USA.

9. International Airline Program. Current Partners: American Airlines, British Airways, Delta Air Lines, Etihad Airways, Emirates, Hawaiian Airlines, Japan Airlines, LAN Airlines, Qantas Airways, Qatar Airways, Singapore Airlines, South African Airways, United Airlines and Virgin Australia. Terms: The featured savings included are calculated based on full-priced retail year-round airfares from Australia to select destinations with Virgin Australia in Business (J) Class. Savings are calculated on the base fare and excludes airline taxes. Prices are subject to availability and subject to change. All airfares must be purchased through the Platinum Travel Service and paid for on the Platinum Card. Airfares at sale prices may be released in the market at any time and reduce the featured savings. Fare rules are dependent on the airline’s Terms

10. 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 +. 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.

Shangri-La. Enrolment in the Golden Circle Jade Membership program is required. Benefits are subject to change and availability may vary by property (for details visit goldencircle.shangri-la.com). Bookings made with FINE HOTELS & RESORTS rates may enjoy the bonus Golden Circle Award Points under the Golden Circle Program Jade Membership benefits but may not be combined with any other Golden Circle Program benefits. All special amenities under the Golden Circle Program are subject to availability and may change without prior notice. All Golden Circle terms and conditions apply (for details visit Shangri-la.com/corporate/golden-circle/terms-conditions). American Express reserves the right to instruct Shangri-La Hotels and Resorts to cancel your membership if you cease to be a Platinum Card Member or your account is not in good standing. American Express and Shangri-La International Hotel Management Ltd. reserve the right to change the Terms and Conditions at any time without prior notice. Should any dispute arise, the decision of American Express and Shangri-La International Hotel Management Ltd. shall be final. If the English version of these terms and conditions does not conform to any other language version, the English version shall prevail.

Marriot Bonvoy^TM Gold Elite Status. As a Platinum Card Member you are eligible to enroll in complimentary Marriott Bonvoy^TM Gold Elite Status. Once you request enrollment within the Marriott Bonvoy^TM Program at the Gold Elite Status level, American Express will share your enrollment information with The Marriott Bonvoy^TM Program. Marriott Bonvoy^TM may use this information in accordance with its privacy statement available at marriott.com/privacy. You will maintain Gold Elite Status without meeting otherwise required Marriott Bonvoy^TM 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^TM 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^TM Program terms visit marriott.com/signInOverlay.mi. Marriott Bonvoy^TM Program amenities may not be combined with the Fine Hotels & Resorts program. Upgrades are based upon availability and will vary by property.

Radisson Rewards. Enrolment in the Radisson Rewards program is required for membership to be upgraded to Gold status. Benefits are subject to change and availability may vary by property. Gold status amenities may not be combined with the FINE HOTELS & RESORTS program. All American Express and Radisson Rewards terms and conditions apply. To view terms and conditions visit www.radissonhotels.com/rewards/termsandconditions. American Express reserves the right to instruct Radisson Rewards to cancel your membership if you cease to be a Platinum Card Member or your account is not in good standing.

11. Additional Card Members. Additional Platinum Card Members must be 18 years of age or over. Please note Additional Cards are referred to as Supplementary Cards in some Terms and Conditions and marketing materials. The Primary Card Member will be liable to pay for all spend made by Additional Card Members.

12. Points Transfer. Subject to the Terms and Conditions of the Membership Rewards program available at americanexpress.com.au/membershiprewardsplatinum To transfer Membership Rewards points into an airline rewards or frequent guest partner program, the Primary Platinum Card Member must be a member of the partner program. Membership of the partner program is the Card Member’s responsibility and is subject to the Terms and Conditions of the applicable program. A joining fee may apply.

13. Select + Pay with Points. This is available to primary Card Members enrolled in the Membership Rewards program. A minimum of 1,000 Membership Rewards points must be redeemed at any one time. Any credit to your Card Account cannot exceed the amount of the relevant Eligible Charges or the current outstanding balance on your Account. Certain fees and charges are excluded. Points will be debited immediately and the credit can take up to 72 hours to appear online. Credits processed after the Card account’s statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card account by the due date. Subject to the Membership Rewards Terms & Conditions at membershiprewards.com.au/termsandconditions.

14. Shop with Points - David Jones. Subject to the terms and conditions of the American Express Membership Rewards program available at membershiprewards.com.au/termsandconditions and the David Jones Terms and Conditions available at davidjones.com.au Terms and conditions apply to all Membership Rewards redemption options and redemption is subject to availability. Subject to your Account being kept in good standing and not overdue. Only American Express Cards issued by American Express Australia Limited are eligible provided they are enrolled in the Membership Rewards program. Additional Card Members are not eligible for Shop with Points transactions. The Primary Card must be used to complete the transaction. A minimum of 3,000 points must be redeemed at any one time. The amount of Membership Rewards points required to purchase the item(s) is subject to change at any time. For the David Jones Refund Policy please go to davidjones.com.au/return-policy or for online delivery details and prices go to davidjones.com.au/Delivery-information.

15. Gift Cards. Please allow between 7 to 10 days for the Gift Cards to be delivered. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit. Gift Card validity period varies for each retailer, please visit www.americanexpress.com.au/giftcards to check each Gift Card validity period. Normal retailer Gift Card Terms and Conditions apply. Membership Rewards Terms and Conditions apply.

16. Platinum Business Card Bonus Offer. Offer only available to new American Express Card Members who apply by 28 August 2019, are approved and spend $5,000 on their new Card in the first 3 months from the Card approval date. Card Members who currently hold or who have previously held any other Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. 150,000 Membership Rewards Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.  Subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au.

17. Membership Rewards. Subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au/termsandconditions. Government transactions will earn 1 point per dollar spent with Merchants classified as "government" including 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.

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