Personal or Business: Which Platinum Card is right for you?
Let’s explore what makes the Platinum Business and Personal Cards different and how to choose the right one for your needs.
Personal or Business: Which Platinum Card is right for you?
Let’s explore what makes the Platinum Business and Personal Cards different and how to choose the right one for your needs.
What’s the difference?
| If you’re only planning to make personal purchases, a Personal Platinum Card is a premium option that comes with many perks such as dining and travel benefits. | |
| If you’re an established small-to-midsized business, a Business Platinum Card can help to manage cash flow and expenses. | |
| If you want to keep your business and personal finances separate while maximising your potential to earn rewards, you might consider getting both the Personal Platinum Card and the Business Platinum Card. |
The American Express®
Platinum Card
Reward yourself with premium travel and dining perks.
Plus, receive 150,000 Bonus Membership Rewards® Points1 when you apply online by 13 January 2026, are approved and spend $5,000 on eligible purchases on your new American Express® Platinum Card within the first 3 months. T&Cs apply. New American Express Card Members only.
The American Express®
Platinum Business Card
Take your business to the next level with powerful cash flow tools and premium travel benefits.
Earn 300,000 Bonus Membership Rewards® Points2 when you apply by 13 January 2026, are approved and spend $12,000 on eligible purchases on your new American Express® Platinum Business Card within 3 months of your approval date. T&Cs apply. Available for new American Express Card Members only.
Plus, enjoy the benefits of our Membership Rewards program with your Platinum Card
Earn up to 2.25 points per $1 dollar
spent (you’ll earn 1 point per $1 spent on purchases at government bodies in Australia).3
Flexible transfer options to major Airline Reward Partner programs including Qantas Frequent Flyer and Velocity Frequent Flyer.4
Membership Rewards points don’t expire and there’s no cap on the number of points you can earn on your Platinum Card, as long as your Account is current and in good standing.5
American Express Consumer Credit Cards are offered, issued, and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit Licence No. 291313. American Express income and credit approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 21 August 2023 and is subject to change. Applicants must be 18 years of age or over to apply. They must be an Australian Citizen or permanent resident or hold a long-term visa.
1. American Express Platinum Card Bonus & Eligibility. 150,000 Bonus Membership Rewards® Points are only available to new American Express Card Members who apply online by 13 January 2026, are approved and spend $5,000 or more on eligible purchases on your new Card in the first 3 months from the Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Please allow 8-10 weeks for the bonus points to be credited to your Account after the spend criteria has been met. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer. The American Express Platinum Card has an annual Card fee of $1,450. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
2. American Express Platinum Business Card 300,000 Bonus Membership Rewards Points (Offer Extended): Offer only available to new American Express Card Members who apply by 13 January 2026, are approved and spend $12,000 on eligible purchases on their new Card in the first three (3) months from the Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer. 300,000 Bonus Membership Rewards Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. Subject to the Terms and Conditions of the Membership Rewards Program available at americanexpress.com/en-au/rewards/membership-rewards/terms. The American Express® Platinum Business Card has an annual Card fee of $1750. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
3. Membership Rewards Program.
Subject to the Terms and Conditions of the Membership Rewards program available here. Merchants classified as "government" include 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.
4. Transfer Points to Partners. To redeem points at any Partner Program you must be a member of the applicable Program. Enrolment in such Programs is solely your responsibility and fees may apply. The minimum requirement and transfer rate varies. Subject to the Membership Rewards Terms and Conditions
5. Points Expiration
There is no expiry date for points earned while in the program so long as you are a Card Member, you are enrolled in the program and all your accounts with us are kept in good standing and are not overdue.