American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All interest rates are quoted as an annual percentage rate. All information is correct as at 15 October 2025 and is subject to change. The offer is only available to eligible Card Members who received a direct upgrade invitation from American Express. Cards are offered, issues and administered by American Express Australia Limited (ABN 92 108 952 085). Australia Credit License no.291313. ®Registered trademark of American Express Company. © 2025 American Express Company.

1. Bonus & Eligibility.

15,000 bonus Membership Rewards Points offers are only available to existing American Express Card Members who apply online to upgrade to the American Express Platinum Edge Credit Card are approved, and spend $1,500 on eligible purchases on their new Card in the first 3 months from the Card approval date. Eligible purchases do not include annual Card fees, cash advances, interest fees and charges for traveller's cheques and foreign currencies. The annual Card fee for the American Express Platinum Edge Credit Card is $195. This offer is only available through direct application on this page. 15,000 bonus Membership Rewards Points will be awarded to the eligible Card Member's account 8-10 weeks after the spend criteria has been met. This offer is not applicable or valid in conjunction with any other advertised or promotional offer. Only select products are eligible to apply for an upgrade and we reserve the right to withdraw this offer if your Account is not in good standing, does not meet the minimum credit limit or we become aware of any adverse credit information. If you did not receive a direct communication from American Express you will not be eligible for the Bonus Points. You may not receive this bonus if you have received this Upgrade bonus previously. This offer may be withdrawn at any time without notice.

2. Interest Free Period.


You will have up to 55 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued.

3. Interest Rate.


This interest rate does not apply for Cash Advances and associated fees.

4. Travel Credit.


If your Card has a Travel Credit benefit, the Primary Card Member is eligible for an annual Travel Credit, subject to the full Travel Credit Terms and Conditions at amex.com.au/platinumedge-travelcreditterms. The Travel Credit can be redeemed through American Express Travel Online on a single eligible travel booking by selecting the Travel Credit when you checkout. To redeem the Travel Credit, the full value of the Travel Credit (or more) must be charged to the eligible Primary Card. Eligible travel includes flights, hotels and car hire when you prepay in advance. The Travel Credit can be used for 365 days from the benefit anniversary date and cannot be used past the expiration date. 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’. If your booking is cancelled, and your Travel Credit has already been used and associated statement credit applied to your account, you will forfeit your annual Travel Credit benefit and American Express may reverse the statement credits issued. You need to be able to spend on the Card to access the Travel Credit benefit and it should be credited to your Card Account within 3 business days but may take up to 30 days. Your account must be in good standing and you must have paid the annual fee and minimum payment by the due date. If you cancel your Card, change your rewards program or Card type, you will no longer be eligible for the Travel Credit.

5. Platinum Edge Card 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 Edge Credit Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Platinum Edge Credit 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.

6. Membership Rewards Program.

Subject to the Terms and Conditions of the Membership Rewards program available here. The following merchants have been classified as major supermarkets: Bi-Lo, Coles, Fishers, Food For Less, Fresh Provisions, Harris Farm Markets, IGA, Macro Wholefoods, Safeway, Supabarn, Thomas Dux, Woolworths. The following merchants have been classified as major petrol stations: Ampol, BP, Caltex Woolworths, Gull, Metro, Peak, Safeway Petrol, Shell, United, Woolworths Petrol, 7 Eleven.
 Exceptions may apply if an individual merchant trading as one of the above-named retailers does not accept American Express as a form of payment.
 Purchases at major supermarket & major petrol station retailers are only eligible for additional points if the transactions are made in Australia. Certain transactions will earn 2 points per dollar spent, including the use of foreign currency overseas and overseas online payments. Additional points for major supermarkets, petrol stations and foreign currency may not 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 a major supermarket processed through a payment aggregator may not earn the additional points.

7. Airline Partner Programs.

Subject to the Terms and Conditions of the Membership Rewards Gateway program available at americanexpress.com/en-au/rewards/membership-rewards/terms. You must be a member of the partner program, joining fees may apply and points transferred will be subject to the terms and conditions of the applicable program.

8. Additional Card Members.

Additional Card Members must be 16 years of age or over. The Primary Card Member will be liable to pay for all transactions made by Additional Card Members. Earning of points is subject to the terms and conditions of the Rewards Program the Primary Card Member is actively enrolled. All points earned on Additional Card Member spend will go to the Primary Card Members Account. The Primary Card Member cannot add an Additional Card under their own name or email address and cannot add an Additional card under the name or email address of a previously approved Additional Card application on the Account.

9. American Express Travel.

To earn or redeem Membership Rewards Points, Cards must be enrolled to the American Express Membership Rewards program, and your Card Account must be in good standing.
To redeem Membership Rewards Points with American Express Travel Online, you need to have available limit on your Card for the full transaction amount of the booking. You will then receive a statement credit within 3 business days for your points redemption. If the credit isn’t on the same statement as the transaction, it should appear on your next statement. Please pay all amounts due each month. You will earn Membership Rewards Points on the full dollar amount charged to your Card. All bookings are subject to the terms and conditions of our Membership Rewards Program. For full Terms and Conditions, please visit the Membership Rewards website.

10. Gift Cards.

Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details.

11. Plan It™.

You can create an Instalment Plan as long as your account is in good standing. We may limit the amount that can be transferred to an Instalment Plan. Each Instalment Plan will begin from the date it is successfully created, as communicated to you in your Online Account. Payment of your first Monthly Instalment will be due in your next payment cycle. You will be charged a Monthly Plan Fee for each Instalment Plan created. This fee will be charged each month your Instalment Plan is active and will be notified to you before you create the Instalment Plan. View the full Plan It Instalments Terms and Conditions here.

12. Emergency Card Replacement.

If your Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you will not be liable for any unauthorised charges.

13. Points for Credit.

Points may be redeemed by the Basic Card Member for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Card Member's other accounts with American Express are not in good standing. The redemption of Points for Credit will be administered solely by American Express within 3 business days and cannot be reversed. Redeeming Points for Credit is not available for redemption by Corporate Card accounts and is not redeemable for cash via Credit balance refund.

14. Fraud Protection Guarantee.

Provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.