Discover the Velocity Platinum Card difference
Upgrade now to receive 20,000 bonus Velocity Points when you apply to upgrade, are approved and spend $3,000 or more on eligible purchases on your new American Express Velocity Platinum Card in the first 3 months.1 T&Cs apply.
Upgrade your Card
and receive 20,000
bonus Velocity Points
WINDIN FALLS, CAIRNS, QUEENSLAND |
The American Express Velocity Platinum Card
| Card Type: | Credit Card |
| Annual Fee: | $440 p.a. |
| Interest Free Period: | Up to 55 days2 |
| Interest Rate: | 23.99% p.a. on purchases3 |
OFFER
OFFER
20,000 bonus Velocity Points
When you apply to upgrade, are approved and spend $3,000 on eligible purchases on your American Express Velocity Platinum Card in the first 3 months.1 You may only receive this bonus if you have not received an upgrade bonus previously. T&Cs apply.
Start a local trip relaxed and refreshed with access to selected domestic Velocity Lounges every time you fly Virgin Australia domestically. Enrolment in the VA Lounge Access benefit required. Enjoy complimentary drinks, meals and snacks in a secluded space and catch up on work with free Wi-Fi and business facilities, or simply chill until your flight is called.
(See corresponding T&Cs below).
Start a local trip relaxed and refreshed with access to selected domestic Velocity Lounges every time you fly Virgin Australia domestically. Enrolment in the VA Lounge Access benefit required. Enjoy complimentary drinks, meals and snacks in a secluded space and catch up on work with free Wi-Fi and business facilities, or simply chill until your flight is called.
(See corresponding T&Cs below).
The Velocity Platinum Card is packed with value to keep you comfortable while you travel, all while earning Velocity Points.
WINDIN FALLS, CAIRNS, QUEENSLAND |
Take off on your next Aussie adventure with a complimentary return domestic economy Virgin Australia flight between selected cities after your first Card spend each anniversary year.4
Complimentary Travel Insurance5
Travel domestic or internationally when you use your Card to pay for your return trip. Terms, conditions and exclusions apply (such as maximum age-limits, pre-existing medical conditions and cover limits).
Feel at home with Virgin Australia Lounge access6 at selected domestic airports plus 2 complimentary Virgin Australia Guest Lounge Passes7 each year. Enrolment in the VA Lounge Access benefit required.
Discover the Velocity Card Platinum Card difference
Upgrade now with these steps
Click Upgrade Now
Click Upgrade Now
Log in with your Online Account details
Log in with your Online Account details
Complete and submit your Upgrade application
Complete and submit your Upgrade application
Supercharge the Points you earn on your lifestyle spend and reward yourself your way.
Supercharge the points you earn on your lifestyle spend and reward yourself your way.
WINDIN FALLS, CAIRNS, QUEENSLAND |
Earn 2.25 Velocity Points per $1 spent on eligible purchases with Virgin Australia8
Earn 1.25 Velocity Points per $1 spent on everyday purchases8
Earn 0.5 Velocity Points per $1 spent at government bodies8
Make the most of a wide range of rewards and benefits along with the confidence of knowing you’re covered.
WINDIN FALLS, CAIRNS, QUEENSLAND |
Fly to your choice of selected Australian cities with a complimentary domestic economy Virgin Australia return flight after your first Card spend each anniversary year.4
Travel relaxed and refreshed with Virgin Australia Lounge access6 at selected domestic airports with the facilities and services that make travel a pleasure.
Earn up to 100 Velocity Frequent Flyer Status Credits each membership year.9 50 Status Credits when you spend $25,000 on eligible purchases each Membership year and a further 50 Status Credits when you spend another $25,000 in the same Membership year.
Your companions can also benefit from two single entry Virgin Australia Guest Lounge Passes7, when travelling with you on a domestic Virgin Australia flight each membership year.
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.
20,000 bonus Velocity Points offers are only available to existing American Express Card Members who apply online to upgrade to the American Express Velocity Platinum Card, are approved, and spend $3,000 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 Velocity Platinum Card is $440. This offer is only available through direct application on this page. 20,000 bonus Velocity 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.
2. Interest Free Period.
You will have up to 55 days internet fee 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. Complimentary Flight
The complimentary domestic economy Virgin Australia return flight is only available between selected Australian cities and is available for booking by American Express Velocity Platinum Card Members after your first Card spend in the first year, and then after your first Card spend each year after the anniversary of your Membership. All flights are subject to availability and neither Virgin Australia nor American Express guarantees that seats or tickets will be available on the dates or at the times you may wish to fly. Seat availability may not be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. Some flights may not have any seats available for redemption. Route availability if subject to change without notice. All travel is subject to the American Express Velocity Platinum Card Benefits Terms and Conditions available here and travel is subject to Virgin Australia Conditions of Carriage available at virginaustralia.com.
5. Velocity Platinum 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 Velocity Platinum 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 Velocity Platinum 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. American Express Velocity Platinum Card Virgin Australia Lounge Access.
The American Express Velocity Platinum Card Virgin Australia Lounge Access is subject to the American Express Velocity Platinum Card Benefits Terms and Conditions. The Virgin Australia Lounge Access provides the Primary Card Member with access to Virgin Australia lounges at Australian domestic airports whenever they are flying on a Virgin Australia operated domestic flight on the same day. American Express Velocity Platinum Primary Card Members will receive 12 months of lounge access on your Velocity membership. Enrol via your online American Express Account. This is your benefit anniversary date. After enrolling, activate the VA Lounge Access by making an Eligible Transaction on your American Express Velocity Platinum Card. Eligible Transaction does not include annual Card fees, cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. After 12 months, at each subsequent benefit anniversary, make an Eligible Transaction on your Velocity Platinum Card to reactivate the VA Lounge Access. Please allow up to 7 days for the benefit to be processed on to the Primary Card Member’s Velocity membership. The Primary Card Member must provide their Velocity Frequent Flyer membership details to Virgin Australia lounge staff and present same day boarding pass on a Virgin Australia flight. Additional Card Members are not eligible. Virgin Australia lounge access is subject to space availability. Virgin Australia lounge is owned and operated by Virgin Australia Airlines Pty. Ltd. in selected domestic airports in accordance with Virgin Australia lounge Terms and Conditions, available at virginaustralia.com/lounge and as amended from time to time.
7. Virgin Australia Guest Lounge Passes.
Virgin Australia Guest Lounge Passes are subject to the American Express Velocity Platinum Card Benefits Terms and Conditions. Two single entry passes to the Virgin Australia lounge will be activated on the Primary Card Member’s Velocity Frequent Flyer membership account annually, on or after each anniversary of membership. Additional Card members are not eligible. Complimentary single entry Virgin Australia Guest Lounge Passes are not transferable, but may be used to enable other people (who are travelling with the Primary Card Member) to gain access to the lounge. The Virgin Australia lounge is operated by Virgin Australia Airlines Pty. Ltd. in selected domestic airports in accordance with the Virgin Australia Lounge Terms and Conditions, available at virginaustralia.com/lounge and as amended from time to time. Visit the Virgin Australia website for up-to-date information on Virgin Australia’s Lounge network.
8. Velocity Points.
As long as your Account remains current and in good standing and you must be a member of the Velocity Frequent Flyer program to earn and redeem Velocity Points. Velocity Points are earned in accordance with the American Express Velocity Cards Points Terms and Conditions available at americanexpress.com.au/VelocityPointsTerms, and are subject to the Terms and Conditions of the Velocity Frequent Flyer program available at experience.velocityfrequentflyer.com/member-support/terms-conditions. Exclusions apply. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment fees, cash advances, balance transfers, fees for traveller’s cheques and foreign currency conversion. These do not earn Velocity Points. For the full list of exclusions, please refer to the American Express Velocity Cards Points Terms and Conditions. Certain transactions will earn 0.5 points per dollar 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 payment aggregator may earn rates at the government earn rate. Velocity Points earned on Virgin Australia spend are only valid for purchases made in Australia.
9. Bonus Velocity Status Credits
Velocity Frequent Flyer Status Credits are subject to the American Express Velocity Platinum Card Benefits Terms and Conditions. 50 Velocity Frequent Flyer Status Credits will be awarded when you spend $25,000 on Eligible Spend within your membership year, and a further 50 Status Credits when you spend another $25,000 on Eligible Spend within the same membership year. Membership year is defined as commencing upon Card activation and renews on the day of your Card activation each subsequent year. Eligible Spend does not include Card fees and charges, for example annual fees, interest, late or dishonoured payments, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Please allow up to 2 weeks after you meet the minimum spend requirement for the Status Credits to be credited to your Velocity account. In addition to Status Credits, Velocity members need to fly on Virgin Australia marketed flights to earn Eligible Sectors to upgrade or maintain a level of membership. To find out more about the Status Credit and Eligible Sector requirements for Velocity membership levels please visit velocityfrequentflyer.com/the-basics/status.
When life changes, so could your Card
Discover more benefits and Points earning potential when
you upgrade to the American Express Velocity Platinum Card
WINDIN FALLS, CAIRNS, QUEENSLAND |
The American Express Velocity Platinum Card
Upgrade now and receive
10,000 bonus Velocity Points
When you apply to upgrade, are approved, and spend $3,000 on eligible purchases on your new Card in the first 3 months. You may not receive this bonus if you have received this upgrade bonus previously. T&Cs Apply¹
| Card Type: | Credit Card |
| Annual Fee: | $375 p.a. |
| Interest Free Period: | Up to 55 days2 |
| Interest Rate: | 23.99% p.a. on purchases3 |
10,000 bonus Velocity Points
When you apply to upgrade to the American Express Velocity Platinum Card, are approved, and spend $3,000 on eligible purchases on your new Card in the first 3 months. You may not receive this bonus if you have received this upgrade bonus previously. T&Cs Apply¹
Complimentary travel insurance
Travel with confidence knowing that you, your partner and your dependent children ages 25 years or younger are covered with domestic and international insurance4 when you pay for your return trip on your Card.
Terms, conditions and exclusions apply (such as pre-existing medical conditions, maximum age limits and cover limits)
Complimentary domestic flight each year
Kick-start your next Aussie adventure with a complimentary return domestic economy Virgin Australia flight between selected cities after your first Card spend each anniversary year.5
Discover a Card
packed full of incredible value
Complimentary Domestic Flight5
Value: Annual domestic economy Virgin Australia return flight between selected cities after your first Card spend each anniversary year.5
2 Single Entry Centurion® Lounge per calendar year6
Value: Pre-Flight Relaxation at Sydney & Melbourne International Airport
Complimentary Travel Insurance4
Value: Travel with Confidence when you use your Card to pay for your return trip.
Terms, conditions and exclusions apply (such as pre-existing medical conditions, maximum age limits and cover limits)
2 Virgin Australia Lounge Invitations per anniversary year7 at selected domestic airports
Value: Pre-Flight Relaxation
Get all this and more for a $375 Annual Fee
Earn 2.25 Velocity Points per $1 spent on eligible purchases within Virgin Australia8
Earn 2.25 Velocity Points per $1 spent on eligible purchases with Virgin Australia8
Earn 0.5 Velocity Points per $1 spent at government bodies8
Velocity Status Credits
Receive 100 Velocity Frequent Flyer Status Credits when you spend at least $50,000 on your Card in your first year.9
Earn points faster with Additional Cards
Earn points faster with up to 4 Additional Cards for family members or friends for no extra fee. All points earned will be credited to your Account.10
What your Card can get you
Receive an annual complimentary domestic economy return flight on Virgin Australia between selected cities, following your first Card spend each anniversary year.5
Complimentary domestic and international travel insurance for you, your partner and your dependent children aged 25 years or younger when you pay for your return trip on your Card.4
Sub-limits apply. Please refer to the ‘Schedule of Benefits’ section of the Insurance Terms and Conditions for full details.
Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions and cover limits).
Relax before you take-off with airport lounge access:
- Two Virgin Australia Lounge passes each anniversary year at selected domestic airports when flying with Virgin Australia7
- Two entries per year to the Centurion® Lounge at Sydney International Airport or Melbourne International Airport6
The American Express Velocity Platinum Card doesn't just look after things when you travel. Shop and relax thanks to retail insurances, available when you pay for eligible items with your Card. Terms, conditions and exclusions apply (such as cover limits, waiting periods and excesses).
Card Purchase Cover4, You could be reimbursed for up to 90 days from the date of purchase if the eligible item is stolen or accidentally damaged.
Card Refund Cover4 ,could help if you’re having trouble getting a refund for an eligible item purchased within
90 days.
Terms, conditions and exclusions apply (such as cover limits, waiting periods and excesses).
With Online Fraud Protection Guarantee11 you won't be held responsible for any unauthorised charges online as long as you notify us immediately upon discovery of the fraudulent transactions
Emergency Card Replacement12 with our global network of offices, we can usually get a replacement Card to you virtually anywhere in the world.
American Express Experiences13
Open the door to experiences with access to entertainment and exclusive offers.
Boost your points with Additional Cards for family and friends. Add up to 4 Cards at no additional fee, and the Points earned will be credited to your Account10.
Ready to upgrade to more?
STEP 2
Log in with your Online Account details
STEP 3
Complete and submit your upgrade application
STEP 3
Complete and submit your upgrade application
What happens next:
- You’ll get a response in 60 seconds!
- If approved, you’ll keep your Card Number and Online Account login details.
- You can continue spending on your existing Card until your new Card arrives. Typically, within 10 business days.
- Upgraded Card benefits will be available to use after receiving and activating your new card.
- Any Additional Card Members on your existing account will automatically be issued the Velocity Platinum Card.
- If you’re having issues upgrading online, simply call the number on the back of your Card.
The American Express Velocity Platinum Card
Receive 10,000 bonus Velocity Points when you upgrade, are approved, and spend $3,000 on eligible spend on your new Card in the first 3 months1.
T&Cs Apply. You may not receive this bonus if you have received this Upgrade bonus previously.
Earn up to 2.25 points per $1
spent on eligible purchases8
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 2 July 2024 and is subject to change. This offer is only available to eligible Card Members who received a direct upgrade invitation from American Express. Cards are offered, issued and administered by American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence no. 291313. ® Registered trademark of American Express Company. © 2024 American Express Company.
- Bonus & Eligibility. 10,000 bonus Velocity Points offer is only available to existing American Express Card Members who apply online to upgrade to the American Express Velocity Platinum Card, are approved, and spend $3,000 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 Velocity Platinum Card is $375. This offer is only available through direct application on this page. 10,000 bonus Velocity 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.
- 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.
- Interest Rate. This interest rate does not apply for Cash Advances and associated fees.
- Velocity Platinum 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 Velocity Platinum 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 Velocity Platinum 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.
- Complimentary Flight. The complimentary domestic economy Virgin Australia return flight is only available between selected Australian cities and is available for booking by American Express Velocity Platinum Card Members after your first Card spend in the first year, and then after your first Card spend each year after the anniversary of your Membership. All flights are subject to availability and neither Virgin Australia nor American Express guarantees that seats or tickets will be available on the dates or at the times you may wish to fly. Seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. Some flights may not have any seats available for redemption. Route availability is subject to change without notice. All travel is subject to the American Express Velocity Platinum Card Benefits Terms and Conditions available here and travel is subject to Virgin Australia Conditions of Carriage available at virginaustralia.com.
- The Centurion® Lounge at Sydney and Melbourne International Airports. Entry into The Centurion Lounge is governed by the full Terms and Conditions available at amex.com.au/airportlounge. All entrants must adhere to the General Conditions of Entry. American Express Velocity Platinum Card Members are entitled to a total of two (2) entries into The Centurion Lounge in Australia per calendar year (1 January to 31 December). Complimentary access is available for the Card Member's children 17 years and younger. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member's American Express Card.
Virgin Australia Lounge. Two Single Entry passes to the Virgin Australia lounge will be activated on the Primary Card Member's Velocity Membership Card annually on or after each annual Card fee renewal date. Virgin Australia lounge entry passes are subject to the American Express Velocity Platinum Card Benefits Terms and Conditions. Single entry passes are valid for 12 months from the date of issue. The Virgin Australia Lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airports in accordance with the Virgin Australia Lounge Terms and Conditions, and Lounge Rules as amended from time to time. Visit the Virgin Australia website for up-to-date information on Virgin Australia’s Lounge network.
- Velocity Points. Velocity Points are earned in accordance with the American Express Velocity Cards Points Terms and Conditions available here. Exclusions apply. Eligible purchases do not include annual Card fees, cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. These do not earn Velocity Points. For the full list of exclusions, please refer to the American Express Velocity Cards Points Terms and Conditions available here. Government transactions will earn 0.5 Points 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 payment aggregator may earn rates at the government earn rate. The additional Velocity Point earned per $1 spent applies only to Virgin Australia purchases made in Australia.
- Velocity Status Credits. 100 Velocity Frequent Flyer Status Credits will be awarded when you spend a minimum of $50,000 (on Eligible Spend) within your Card Membership year. Card Membership year means 365 days from the anniversary date of your American Express Velocity Platinum Card. Eligible Spend does not include cash type purchases on a Card, for example travellers cheques and foreign currencies or any interest, fees or charges (including late payment or dishonoured payments) charged to the Card Account. Please allow up to 2 weeks after you meet the minimum spend requirement for the Velocity Frequent Flyer Status Credits to be credited to your Velocity Account. In addition to Status Credits, Velocity members need to fly on Virgin Australia marketed flights to earn Eligible Sectors to upgrade or maintain a level of membership. To find out more about the Status Credit and Eligible Sector requirements for Velocity membership levels please visit velocityfrequentflyer.com/content/Status/.
- Additional Card Members must be 16 years of age or over. Additional Card Members were previously referred to as "Supplementary Card Members". 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 enrolled. All points earned on Additional Card Member spend will go to the Primary Card Members Account.
- 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.
- Emergency Card Replacement. If your Credit 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 are not liable for any unauthorised charges.
- American Express Experiences. Invitations will be sent by email only. A valid email address and opt-in to Platinum Marketing communications is required. Event availability is strictly limited.