How You Earn Membership Rewards Points

Earn Membership Rewards points on virtually every dollar you spend on your Card and see how quickly they can add up:

• Earn 2.25 points per $1 spent on eligible purchases⁵
• Earn 1 point per $1 on ATO and government-related spend⁵

Choose Your Rewards

You can redeem points several ways:

• Transfer your points to over 10 major partners across Airline¹¹, Hotel & Retail.
• Book travel with points online at American Express Travel⁹
• Use your Membership Rewards points to pay off eligible transactions, including your rent, utilities or even your Card's Annual Fee using Cover Charges with Points¹⁶
• Reward employees, clients or yourself and redeem points for Digital Gift Cards¹² from leading retailers

Relax in more than 1,550+ airport lounges worldwide⁷

Work and refresh on the go with access to over 1,550+ lounges in airports across 140 countries⁷
Your Platinum Business Card is your key to the American Express Global Lounge Collection^® – including access to The Centurion^® Lounge, Priority Pass Lounges, and Virgin Australia domestic lounges when flying Virgin Australia.⁷

The American Express^® Global Lounge Collection benefit for Platinum Personal and Platinum Business Cards is changing, with access policy updates from 8 July 2026 (Centurion Lounges) and 1 October 2026 (Plaza Premium and Priority Pass). Visit go.amex/lounge-updates for details and updated Terms and Conditions.

Enjoy Travel Insurance¹⁴

Receive complimentary Domestic and International travel insurance for you, your spouse and your Employee Card Members when you pay for your return trip with your American Express^® Platinum Business Card.

Cover includes:
- Medical Emergency Expenses Cover
- Business Trip Completion Cover
- Personal Liability Cover
- Trip Cancellation and Amendment Cover

Terms, conditions, cover limits and exclusions apply (such as a maximum age limit of 79 when travel is purchased and a pre-existing medical condition(s) exclusion).

Complimentary ALL Accor+ Explorer Membership valued at $349 p.a.¹⁵

• Enjoy two ‘Stay Plus’ complimentary nights stay (each complimentary night must be booked in conjunction with a paid night) at over 1,300 participating hotels in Asia Pacific.
• 30% off dining, for up to 10 guests at over 1,600 participating restaurants.
• 15% off drinks in Asia Pacific.
• ALL Accor Gold status with bonus 30 status nights

Fine Hotels + Resorts Privileges¹⁷

Receive a complimentary suite of benefits which offer an average total value of USD$550 at over 1,800 extraordinary properties worldwide when you book with Fine Hotels + Resorts¹⁷. Complimentary benefits include guaranteed 4pm late check-out, room upgrades (subject to availability), daily breakfast for two, or a complimentary amenity valued at US$100 experience credit per stay, unique to each property.​

Enjoy Savings on Travel

Platinum perks also include superior savings, upgrades, and benefits with The Hotel Collection¹⁸ and benefits on rental cars globally from Hertz¹⁹ and Avis²⁰

Elite Hotel Membership

Take comfort in all the VIP benefits of your Gold-tier status at Marriott Bonvoy^TM and Hilton Honors, and Radisson Rewards Premium status²⁷.

Expand your Business with Flexible Spending Power³

Unless we tell you otherwise, your American Express Charge Card comes with flexible spending power, also known as no-pre-set spending limit. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your Business’ credit rating, and other factors. The way you use your Card can help your spending power grow, particularly in the first few months. To help maximise your spending power, make regular transactions and don’t miss any payments.

Extend your Cash Flow by up to 55 Days⁴

Give your business financial breathing room with up to 55 days to pay for purchases.

Flexible Payment Option⁸

Seize new business opportunities, free up your cash flow, and navigate fluctuations in revenue by paying off a portion of your balance over time, up to your Flexible Payment Option limit. Interest charges apply.

Track and Control your Employee Expenditure

View real-time spend data and optimise your business' cash flow by putting all key employee spending in one place with up to 99 complimentary Employee Cards². Plus, reward employees by extending some perks and privileges of the Platinum Business Card to them.

Simplify business payments with AccessLine^®28

AccessLine^® allows you to use your Card to make domestic payments to businesses, even if they don’t accept Card. You’ll also earn points on every dollar spent. Enrolment required, subject to approval and T&Cs apply.²⁸

Streamlined Financial Reporting

Instantly consolidate and streamline your business' financial reporting with automatic transaction feeds from your Card Accounts into Intuit Quickbooks, MYOB²⁹ and Xero.

Control at your Fingertips with the Amex App²¹

Monitor, manage, and view your business and personal spend, access benefits and rewards, redeem points, and receive live support on the go with the Amex App.

Emergency Card Replacement Worldwide²²

Don't stress about losing your Card again. Virtually no matter where in the world you are, lost or stolen Cards can usually be replaced within 48 hours.

Fraud Protection²³

Wherever you conduct business, with protection for all unauthorised transactions made with your Card.

Tap and Pay with your Smart Device²⁴

Use your linked Platinum Business Card in your smartphone or wearable device to make convenient, fast, and secure payments with Apple Pay®, Samsung Pay®, and Google Pay^®.

Power Up Your Business - Dell Benefit²⁵

Save the benefit to your eligible Card and spend online at www.dell.com.au or via phone on 1800 880 855 to receive your purchase amount back as a credit, up to $125 back per redemption period. Benefit ends 31/12/2026. Exclusions apply.

The Australian Premium Subscription

The Australian Premium subscription²⁶ gives you access to The Australian's news coverage and analysis from here and around the world across all your devices as well as access to The Wall Street Journal. In addition, you will have access to exclusive member-only features including a weekly curated eNewsletter featuring a selection of the best reads from The Australian and global news partners including The Times of London and Harvard Business Review, as well as The Australian annual event featuring some of The Australian's most experienced political and business journalists.

Experiences on Tap

The Amex Experiences App gives you access to a 24/7 Premium Concierge service in your pocket, where you can access information on Platinum benefits, travel offers, events and recommended merchants.