Important: This article is not intended to suggest that you should apply for a card. You should seek independent, professional advice and consider your personal circumstances before deciding to apply for a card.

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 2 October 2024 and are subject to change. Applicants must be 18 years of age or over to apply for the American Express Platinum Card. They must be an Australian Citizen or permanent resident or hold a long term visa. Long term means 12 months or more and does not include a student visa.

1. 225,000 Membership Rewards^® Bonus Points offer is only available to new American Express^® Card Members who apply via this page by 8 April 2025, are approved and spend $5,000 or more on eligible purchases on the 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. 225,000 Membership Rewards Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. If you previously held a David Jones American Express Card and have not held any other American Express Card(s) in the past 18 months, you will be eligible for the offer. All other 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. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. Offer subject to change without notice.
2. Subject to the Terms and Conditions of the Membership Rewards program available here. 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, including where you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant.
3. Subject to the Terms and Conditions of the Membership Rewards program available here. To transfer Membership Rewards points into an airline rewards or frequent guest partner program you 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.
4. As a Platinum Card Member you are eligible to enrol in complimentary Marriott Bonvoy^TM Gold Elite Status. Once you request enrolment within the Marriott Bonvoy Program at the Gold Elite Status level, American Express will share your enrolment information with The Marriott Bonvoy^TM Program. Marriott Bonvoy 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 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 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 Program terms visit marriott.com/signInOverlay.mi. Marriott Bonvoy program amenities may not be combined with the Fine Hotels + Resorts program. Upgrades are based upon availability and will vary by property.
5. As a Platinum Card Member you are eligible to enrol in complimentary Hilton Honors Gold status. Please note that a Hilton Honors Membership Number is required before you are able to enrol in this benefit. For Card Members who are new to Hilton Honors, please sign up here. Your full name and email address must match on both your American Express account and Hilton Honors account to successfully complete your registration. Offer available only to Platinum Card Members and is not transferable. Full details of Gold status can be found at HiltonHonors.com/MemberBenefits and are 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 Hilton.com/PrivacyPolicy. 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.
6. Enrolment in the Radisson Rewards program is required for membership to be upgraded. Benefits are subject to change and availability may vary by property. Radisson Rewards benefits may not be combined with benefits offered by American Express and other loyalty programs. All American Express terms and conditions apply. All Radisson Rewards terms and conditions apply. To view terms and conditions visit radissonhotels.com/en-us/terms-and-conditions. 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.
7. An annual Accor Plus membership is valued at AU$399, found at accorplus.com/au/benefits as at 1 August 2022. Enrolment is required to receive a complimentary Accor Plus membership. An Accor Plus membership is available only to the Primary Platinum Card Member. Membership privileges will only be granted on presentation of a valid membership card and a member must identify themselves as an Accor Plus member at time of booking. Accommodation bookings must be made through all.accor.com or accorplus.com. American Express reserves the right to instruct Accor Plus to cancel your membership if you cease to be a Platinum Card Member or your account is not in good standing. Complimentary membership is a continuing benefit of your American Express Platinum Card, however American Express reserves the right to discontinue the benefit, upon providing you with reasonable notice. Once enrolled, enrolment continues for at least 12 months. If you become ineligible for this benefit or if this benefit ends, the Accor Plus membership standard eligibility criteria will apply to you. Visit accorplus.com for full membership conditions, benefits and participating properties. Room allotment for Stay Plus complimentary night stays are limited each night per participating property and must be made by visiting and booking through all.accor.com or accorplus.com. Membership privileges are subject to exceptions listed at accorplus.com/au/benefits-exceptions.
8. Average AU$800 value based on Fine Hotels + Resorts bookings in 2021 for stays of two nights. Actual value will vary based on property, room rate, upgrade availability and use of benefits. Certain room categories are not eligible for upgrade; call Platinum Travel for details. Special amenity and / or Experience Credit and Platinum benefits vary by property; call Platinum Travel for details. Experience credit[s] will be applied to eligible charges up to the amount of the Experience Credit. Advance reservations are recommended for certain Experience Credits. Valid only for new Fine Hotels + Resorts bookings made through Platinum Travel Service, Business Platinum Travel Service, Centurion Travel Service, or American Express Travel Online. Available for Australian Platinum Charge Card Members and Centurion® Members only, and excludes Platinum Credit Card Members such who are not also Australian Platinum Charge Card Members or Centurion Members. Payment must be made in full with an American Express Card in the Australian Platinum Card Member’s or Centurion® Member’s name. Primary Card Member may be able to use Membership Rewards® points and /or Travel Credit on the American Express Travel website or on request through Platinum Travel Service or Centurion Travel Service, as payment towards Fine Hotels + Resorts, if the selected hotel and room type provides you the option to prepay in advance. Platinum Card Member or Centurion 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. Benefit restrictions vary by Fine Hotels + Resorts property and cannot be redeemed for cash, and may not be combined with other offers unless indicated. Benefits and additional Fine Hotels + Resorts promotions are only applied at checkout and expire at checkout. Participating Fine Hotels + Resorts properties and benefits are subject to change. Limit one benefit package per room, per stay. Three room limit per Card Member, per stay. Back-to-back stays booked by a single Card Member, Card Members staying in the same room or Card Members traveling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional Fine Hotels + Resorts benefits (“Prohibited Action”). American Express and the Property reserve the right to modify or revoke Fine Hotels + Resorts benefits at any time without notice if we or they determine, in our or their sole discretion, that you may have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your Fine Hotels + Resorts benefits. – Benefits vary by property; call Platinum Travel Service or Centurion Travel Service for details. – The type and value of the daily breakfast (for two) varies by property; breakfast will be valued at a minimum of US$60 per room per day. – Complimentary In-Room Wi-Fi is provided. 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 Card Member’s final statement upon check-out
9. The American Express Global Lounge Collection
   • The Centurion^® Lounge: Platinum Card Members have unlimited complimentary access to all locations of The Centurion Lounge. Gold Card and Green Card Additional Cards on your Platinum Account are not eligible for complimentary access. 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. Guest access policies may vary internationally by location and are subject to change. To access The Centurion Lounge, the Card Member must present The Centurion Lounge agent with the following upon each visit: their valid Card, a boarding pass showing a confirmed reservation for same-day travel 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. Card Members will not be compensated for changes in locations, rates or policies. A Card Member must be at least 18 years of age to enter without a parent or legal guardian. For locations with a self-service bar, the Card Member must be of legal drinking age in the location’s jurisdiction to enter without a parent or legal guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Soliciting other Card Members for access into our lounge is not permissible. Access is subject to space availability. Hours may vary by location and are subject to change. Amenities vary among The Centurion Lounge locations and are subject to change. Services and amenities in the Lounge are complimentary, however you are responsible for any purchases and/or servicing charges you authorize 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. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with lounge access in any way or that you intend to do so, we may remove access to The Centurion Lounge from the Account. 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. The Centurion Lounge – Sydney & Melbourne, Australia: Guest access policies for The Centurion Lounges in Sydney and Melbourne, Australia may vary to the Global Lounge Collection terms. For more information on the Australian Lounges access, visit americanexpress.com.au/airportlounge
   • Escape Lounges – The Centurion^® Studio Partner: This benefit is available to the Platinum Card. Additional Gold Cards and Additional Green Cards on your Platinum Account are not eligible for complimentary access. Card Members receive complimentary access to any US location of the Escape Lounges. Card Member must present their valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. In some cases, Card Member must be 21 years of age to enter without a parent or guardian. Card Members may bring up to two companions as complimentary guests. Card Member must adhere to all house rules of participating lounges. Card Members and their guests will receive all of the complimentary benefits and amenities afforded to the Escape Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Escape Lounge locations are subject to change.
   • Delta Sky Club: Effective January 1, 2024: Eligible Card Members travelling on a same-day Delta-operated flight with Basic Economy (E) fare tickets will not have access to the Delta Sky Club or to Grab and Go.
     This benefit is available to the Platinum Card Members. Platinum Card Members must present their valid American Express Card, government-issued I.D., and boarding pass to the Delta Sky Club ambassador. Boarding pass must show a reservation for a same-day Delta-operated flight (Delta or Delta connection) departing from or arriving at the airport in which the Delta Sky Club is located. Name on boarding pass must match name on the Card. Eligible Platinum Card Members on departing flights can only access the Delta Sky Club within three hours of their flight’s scheduled departure time. During a connection between Delta-operated flights on the same ticket, you may use the Delta Sky Club in your connecting airport at any time during the layover. Delta reserves the right to limit access for non-revenue flyers at any Delta Sky Club. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. 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. Eligible Card Members must adhere to all Delta Sky Club House Rules while accessing participating airport clubs. Participating airport clubs and locations subject to change without notice. Eligible Platinum Card Members may bring guests into the Delta Sky Club subject to the most current Delta Sky Club access and pricing policies, and must use their valid Platinum Card as the payment method for guest access. Guests must also be flying on a same-day Delta-operated flight. 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.
   • Plaza Premium Lounges: This benefit is available to Primary and Additional Platinum Card Members. Additional Gold Cards and Additional Green Cards on your Platinum Account are not eligible for complimentary access. Card Members receive complimentary access to any global location of 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 for infants under two years of age is complimentary. To access the Plaza Premium Lounges, the Platinum Card Member must present their valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. Failure to present this documentation may result in access being denied. The 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. In some cases, Card Member must be 21 years of age to enter without a parent or guardian. 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 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.
   • Virgin Australia 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 on the same Virgin Australia flight. Access is to Virgin Australia-branded lounges in Australia only. Name on boarding pass must match the name on Platinum Card and boarding pass must be presented. The Platinum Card Member and guest must present their valid Card and same-day 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. All access is subject to space availability. This benefit is subject to change.
   • Priority Pass^TM: These Terms and Conditions govern American Express Platinum Card Members’ participation in and use of the Priority Pass™ program. Priority Pass is an independent airport lounge access program. Your Priority Pass benefit is limited to airport lounge access only. Non-lounge airport experiences in the form of credits for restaurants, cafes and bars are not available. 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 1 guest for no charge. You will be charged the prevailing retail rate for any additional guests. Some lounges do not admit guests. By enrolling in Priority Pass, you agree that you will be responsible for any additional accompanying guest visits and that your Card will be automatically charged after you have signed for the additional guest visit and it has been reported to Priority Pass by the participating lounge. Additionally, you acknowledge and agree that American Express will verify your Card account number and provide updated Card account information to Priority Pass. Priority Pass will use this information to fulfill on the Priority Pass program and may use this information for marketing related to the program. Once enrolled, Platinum Card Members whose Card account is not cancelled 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. Priority Pass members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package, and can be viewed at prioritypass.com. Upon receipt of your enrollment information, Priority Pass will send your Priority Pass card and membership package which you should receive within 4-6 weeks.
   • Airspace: This benefit is available to the American Express Platinum Card. Additional Gold Cards and Additional Green Cards on your Platinum Card Account are not eligible for complimentary access. Card Member must present their valid Card, government-issued I.D. and confirmed boarding pass for same-day travel. In some cases, Card Member must be 21 years of age to enter without a parent or guardian. The Card Member may bring up to two companions into the club as complimentary guests per visit. Card Member must adhere to all house rules of participating lounges. Card Members and their guests will receive all of the complimentary benefits and amenities afforded to the Airspace Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Airspace Lounge locations are subject to change.
   • Lufthansa: This benefit is available to the American Express Platinum Card. Additional Gold Cards and Additional Green Cards on your Platinum Card Account are not eligible for complimentary access. Platinum Card Members have complimentary access to select Lufthansa Business Lounges (regardless of ticket class) and Lufthansa Senator Lounges (when flying business class). To access the Lufthansa lounges, Platinum Card Members must present a government issued I.D., a same-day departure boarding pass showing confirmed reservation on a Lufthansa Group flight (Lufthansa, SWISS and Austrian airlines) and a valid Platinum Card. For the current list of participating lounges and access requirements, please use the Lounge Finder feature in the American Express App or visit americanexpress.com.au/platinumlounges. Card Members must adhere to all rules of participating lounges. Participating lounges and locations subject to change without notice. Additional guest access and fees subject to terms and conditions of participating lounges. In some Lounges the Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. For the most current Lufthansa rules and guest access and pricing policy, please visit lufthansa.com/de/en/lounges.
   • Additional Global Lounge Collection Partner Lounges: American Express offers access to additional lounges in the Global Lounge Collection where Platinum Card Members have unlimited complimentary access to participating locations. Card Members must present their valid Platinum Card, a government-issued I.D., and a boarding pass showing a confirmed reservation for same-day travel on any carrier. Guest access and associated fees are subject to the terms and conditions of the participating lounge provider. Participation, locations, rates, and policies of lounges are subject to change without notice, and Card Members and their guests will not be compensated for such changes. Access is subject to space availability, including capacity restrictions and limited hours that may be placed on the participating lounge. Amenities, services, and hours may vary by participating lounge and are subject to change without notice. American Express will not be liable for any articles lost or stolen, or damages suffered by the Card Member or guests inside the participating lounge. For participating lounges with a self-service bar, the Card Member may be required to be of legal drinking age in the participating lounge jurisdiction to enter without a parent or legal guardian. All Card Members and their guests must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. Each participating lounge may have their own policy allowing for children under a certain age to enter for free with the Card Member who is a parent or legal guardian. Card Member must adhere to all house rules of participating lounges. Participating lounges reserve the right to remove any person from the premises for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive, or violent. If American Express, in our sole discretion, determines that the Card Member or their guests have engaged in abuse, misuse, or gaming in connection with access to participating lounges in any way, or that the Card Member or their guests intend to do so, we may remove access to the Additional Lounges from the Account. American Express and the participating lounge reserve the right to revise the rules at any time without notice. For the most current list of participating lounges and access requirements, please use the Lounge Finder feature in the American Express App or visit americanexpress.com.au/platinumlounges.
10. 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/platinumtravelcreditterms. 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.​
11. Global Dining Credit.
    • Maximum amount back is $200 on spend at participating local restaurants (Local Dining Credit) and AUD$200 on spend at participating abroad restaurants (Abroad Dining Credit) per redemption period: Each redemption period resets on 1 January until the offer end date of 31 December 2025. The redemption periods are:
      • 05 July – 31 December 2022
      • 1 January – 31 December 2023
      • 1 January – 31 December 2024
      • 1 January – 31 December 2025
    • Primary Card Member Only: The Benefit is only available to Primary American Express Australia Platinum Card Members using their Platinum Personal Charge Card. Transactions made with an Additional Card is not eligible for this Benefit.
    • Save this Benefit First: A one-time enrolment is required. You must first save the Benefit to your Platinum Card before making your payment to qualify for the Benefit. Benefit limited to the Card to which the offer is saved and only spend on this Card counts towards the Benefit. If you use another card to make a payment at any time, you will not be eligible for the Benefit on that card.
    • If you switch to a new Card product that is not eligible for this Benefit, enrolment will be removed from your Card Account. If a Card you hold is ineligible, you will not be able to see the Benefit, nor will you be able to save the Benefit to the Card. If you are no longer eligible for this Benefit due to a change in Account status, including but not limited to fraudulent flags, suspension or cancellation, it will be removed from your Account.
    • Eligible Transactions: Benefit only available for dine-in services made in-person at a participating restaurant, full list can be found here. Participating restaurant list subject to change without notice, please check before you dine as you won’t be eligible to receive a credit if the restaurant isn’t on the list at the time of your transaction.
    • Excluded Transactions: Benefit excludes purchases of gift cards and vouchers, transactions made towards deposits charged upfront by the venue, booking, cancellation, and no-show charges, takeaway or dine-at-home services. If you spend in a currency other than Australian Dollars a Currency Conversion Fee of 3% applies and this fee does not count towards the Benefit. For more information regarding charges made in foreign currencies refer to your Card Member Agreement.
    • Direct Payments Only: If you pay using payment processors such as QR payment or restaurant in-app purchases, you may not be eligible for the Benefit. Please request to pay at the restaurant’s designated checkout register.
    • Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date of payment but may take longer. Credit(s) are not redeemable for cash or any other payment form. Credit may be reversed if your qualifying purchase is refunded or cancelled.
    • Expiry or Withdrawal of Benefit: The Benefit will expire on 31 December 2025. American Express can withdraw the Benefit at any time by giving you 60 days’ notice.
    • Your use of participating restaurants: Your purchase of goods and/or services from the participating brands is governed by their respective terms and conditions (including privacy policies). American Express is not responsible in any way for the goods and/or services of the participating brands. Inquiries or complaints related to the participating brands’ goods and/or services should be directed to their customer service.
    • Our General Offer Terms: Our General Offer Terms also apply to the Benefit and contain important additional terms.
12. Amazon Prime Subscription Credit.
    • Benefit Limit is $84 per calendar year: The benefit value is capped at $84 in each calendar year, whether you are on a monthly or annual subscription. You cannot carry any unused benefit value from one calendar year into the next. If Amazon increases its subscription fees at any time, this benefit will not cover any amount exceeding the benefit limit and you must cover the difference.
    • Primary Card Member Only: The benefit is only available to the Primary American Express Australia Platinum Card Member using their Platinum Card; it is not available for payments made with any Additional Card.
    • Enrol Your Card First: You must first enrol your Platinum Card before paying your Amazon Prime subscription to qualify for the benefit. Only subscriptions paid after enrolment are eligible for the benefit. You should ensure that your Platinum Card is set as your default payment method with Amazon Prime to avoid missing the benefit. If you use another card to pay your Amazon Prime at any time, you will not be eligible for the benefit for payments made on that card.
    • Eligible Payments: Both monthly and annual subscriptions are eligible. The benefit only applies to Amazon Prime subscription payments, and excludes any additional purchases or charges, such as Prime Video purchases.
    • Expiry or Withdrawal of Prime Benefit: The Amazon Prime benefit will expire on 31 December 2025. American Express can withdraw the Amazon Prime benefit at any time by giving you 60 days’ notice. After the expiry or withdrawal of the benefit, credits will cease but your Amazon Prime subscription will continue unless you cancel it. You may cancel your Amazon subscription at any time by accessing ‘Manage Prime Membership‘ on your Amazon account and changing your membership settings.
    • Direct Payments Only: Your Amazon Prime subscription must be made in Australian Dollars online at amazon.com.au/prime or via the Amazon Prime app to be eligible for the benefit. If you pay using third party payment providers, such as PayPal or Buy Now Pay Later providers, you will not be eligible for the benefit.
    • About Credits: Credit(s) should appear on your billing statement within 30 days from the date of subscription payment but may take longer. Credit(s) are not redeemable for cash or any other payment form.
    • Your use of Amazon Prime: Your use of the Amazon Prime service (including your subscription) is governed solely by Amazon Prime’s terms and conditions (including privacy policies). American Express is not responsible in any way for Amazon or its services. Inquiries or complaints related to the Amazon Prime service should be directed to Amazon Customer Service. Amazon, Amazon Prime, Prime Video, Amazon Music and all related logos are trademarks of Amazon.com, Inc. and its affiliates. Prime Free Delivery excludes select remote areas. Starting 2 July 2024, Prime Video will include limited ads.
    • Our General Offer Terms: Our General Offer Terms also apply to the Amazon Prime benefit and contain important additional terms.
13. 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.
14. IMPORTANT INFORMATION: If the unexpected happens on your travels and a medical emergency arises, your first port of call is Chubb Assistance. In the event of an incident and to ensure you get appropriate, and fast, treatment from a doctor who speaks your language, you must call Chubb Assistance on +61 2 9335 3492 or the number on the back of your Card before seeking medical treatment, or you may be responsible for your medical expense costs. 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 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 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.
15. The Australian Premium Subscription benefit offer (‘Benefit’) is available to eligible American Express Australia Card Members (‘Card Members’). Once you have requested to enrol in The Australian Premium Subscription, American Express Australia Limited (‘American Express’) will determine your eligibility to enrol in the Benefit via the enrolment process. If eligible then American Express will share your enrolment information with Nationwide News Pty Ltd (‘News Corp’). News Corp may use this enrolment information in accordance with its privacy policy available here. The Benefit will provide eligible Card Members with; (a) a 12 month digital access to The Australian which provides premium content at theaustralian.com.au and via The Australian app; (b) eligibility to activate a digital subscription to the Wall Street Journal which will run concurrently with the subscription in (a) above; (c) a bespoke The Australian Premium e-newsletter sent every week and exclusive to subscribers of The Australian Premium subscription; and (d) access to The Australian Insiders’ Briefing virtual event held twice per calendar year. Eligible Card Members must activate the Benefit described in (a) above in order to be provided with the opportunity to activate or enjoy the other parts of the Benefit. Card Members are not required to pay for the Benefit. Subscriptions provided under the Benefit will be automatically renewed every 12 months provided American Express and News Corp continue their arrangements in relation to this Benefit. Under the Benefit, you are limited to one digital subscription per eligible Card Member; not to be used in conjunction with any other offer; subscription is for digital content only; physical newspapers are not included. In addition to these terms and conditions, your use of the Benefit is subject to News Corp’s full digital subscription terms and conditions available here. For avoidance of doubt, terms and conditions contained here will take precedent in the event of inconsistency. Eligible Card Members will be required to agree to News Corp’s terms and conditions and privacy policy to activate the Benefit. News Corp may cancel any digital subscription provided under the Benefit at any time if the Card Member subscriber is in breach of these terms and conditions or the News Corp terms and conditions for any part of the Benefit, if notified by American Express that a Card Member is no longer eligible for this subscription or if American Express and News Corp cease to have an agreement relating to the continued provision of the Benefit. The value of the Benefit is not redeemable for cash or any other payment form. American Express may end this Benefit at any time.
16. 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.
17. The following are not Eligible Cards: Business Cards that are affiliated with a wholesale partner, American Express Business Travel Accounts, Government Cards, Corporate Purchasing Cards, Corporate Meeting Cards, Corporate Cards. To view Amex Offers, simply log into your Online Account or the American Express Mobile App. The account must being in good standing to be eligible for offers.
18. International Airline Program
    • American Express reserves the rights to change these conditions from time to time with 21 days prior notice and/or to discontinue the whole programme. To earn or redeem Membership Rewards points, Cards must be registered to the American Express Membership Rewards program, and be active and current in their payments. When paying with a combination of your American Express Card and Membership Rewards points, only the value applied to the Card is eligible to earn Membership Rewards points. Membership Rewards Terms and Conditions apply when booking on the American Express Travel website. Please visit the Membership Rewards website to view the full Terms and conditions (membershiprewards.com.au/termsandconditions).
    • Airlines reserve the right to change, cancel or restrict flight operations without notice. IAP upgrades or specially negotiated fares may be limited by airlines to certain flights and/or dates (“blackouts”). IAP is subject to the terms and conditions of each participating carrier. American Express does not guarantee that seats or tickets will be available. Cabins of service and discounts vary by airline and route.
    • To qualify for the IAP upgrades or specially negotiated fares: a) Your journey must start and end at the same port as designated by the participating airline and be completed within the period during which your selected carrier participates in the programme. You will be advised of any applicable dates at the time of booking. b) IAP tickets must be purchased through the American Express Travel Service and must be charged to a valid Australian American Express Platinum Card which is in good standing. c) The Platinum Cardmember who purchases the ticket(s) must be one of the travellers. d) IAP tickets are non-transferable and nonendorsable.
    • Any travel on non-participating airlines must be ticketed and paid for separately and is not part of the IAP. Certain code share or flights on the worldwide partners of the participating airlines may not apply.
    • Certain IAP airlines or non-participating airlines impose restrictions such as ticketing time limit on advance booking to indicate a timeline for ticketing upon making your reservations. For each individual airline Terms & Conditions, please check with the Platinum Travel Service for details.
    • IAP upgrade offers or specially negotiated fares may not be combined with any other promotion, discount, negotiated or corporate rate.
    • American Express acts only as an agent for travel service providers and does not own or operate any airline or means of transportation. American Express is not liable for service deficiencies on the part of airlines or other service providers, including but not limited to: accidents and injuries; delays; changes in routes or itineraries; loss, theft or damages to possessions. American Express strongly advises travellers to insure themselves against travel risks. Travellers are responsible for ensuring that they have valid documentation and for complying with the health, customs, currency and other laws of any country they enter or attempt to enter.
    • IAP is available to Platinum Cardmembers from a variety of participating airlines each with specifically designated ports of departure and arrival. Please refer to the Platinum Travel Service for details of participating airlines, applicable routing and timetables and fares in force at any particular time. Other International Airline Program Terms & Conditions may apply.
    • Savings are based on full-priced retail year-round airfares from Australia to select destinations with participating airlines in selected booking classes in First, Business and Premium Economy. Savings are calculated on the base fare and do not include applicable charges such as taxes, service fees, date change fees and cancellation fees. A maximum of 8 tickets can be purchased per Card Member per transaction.  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 including Advance Purchase, Min/Max Stay, any Penalties/Refunds, Stopovers/Transfers, Discounts (child/infant), and Taxes/Surcharges, are dependent on the airline’s Terms and Conditions and can vary. Airline Partners and offers vary and are subject to change. Contact Platinum Travel Service for full details on the International Airline Program.
19. Unless Amex tells 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.

Important: This article is not intended to suggest that you should apply for a card. You should seek independent, professional advice and consider your personal circumstances before deciding to apply for a card.

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. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 24 January 2024 and are subject to change. Applicants must be 18 years of age or over to apply for the American Express Explorer Credit Card. They must be an Australian Citizen or permanent resident or hold a long term visa. Long term means 12 months or more and does not include a student visa.

1. Subject to the Terms and Conditions of the Membership Rewards Gateway program available at membershiprewards.com.au. You must be a member of the airline partner program, joining fees may apply and points transferred will be subject to the terms and conditions of the applicable airline partner program.
2. Subject to the Terms and Conditions of the Membership Rewards program available here. 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, including where you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant.
3. 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/explorer-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.
4. 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 Explorer 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 Explorer 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.
5. 100,000 Bonus Membership Rewards® Points are only available to new American Express Card Members who apply online by 8 April 2025, are approved and spend $4,000 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. If you previously held a David Jones American Express Card and have not held any other American Express Card(s) in the past 18 months, you will be eligible for the offer. All other 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 Explorer® Credit Card has an annual fee of $395. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
6. Valid only for new The Hotel Collection bookings of at least two consecutive nights with participating providers made through American Express Travel Online (americanexpress.com.au/travel or americanexpress.com.au/thc), Platinum Travel Service or Centurion Travel Service. Online bookings currently only available to Primary Card Members. The following American Express Card Members are eligible to book through The Hotel Collection: American Express® Rewards Advantage Card, American Express® Explorer Credit Card, American Express® Platinum Reserve Credit Card, American Express® Gold Card, American Express® Gold Business Card, American Express® Platinum Card, American Express® Business Platinum Card® and American Express® Centurion Card. Payment must be made in full with an eligible American Express Card in the Card Member’s name. Card Member must travel on itinerary booked to be eligible for benefits described. Membership Rewards® points and Platinum Travel Credit cannot be used towards The Hotel Collection bookings as payment. The eligible Card Member will receive the credit as a deduction from the final hotel bill when checking out of the hotel; they will receive $1 for each eligible dollar spent up to $100 USD. Eligible spend includes dining, spa and resort activities. Eligible spend does not include charges for taxes, gratuities, fees and cost of room. Additional exclusions based on specific hotel restrictions may also apply (including without limitation purchases within the hotel that are unaffiliated and/or owned by third parties) – see hotel front desk for details. Credit must be used in conjunction with initial stay and cannot be carried over to another stay, is not redeemable for cash and expires at check-out. Credit is non-exchangeable and non-refundable and is applied in USD or equivalent in local currency based on exchange rate on day of arrival. Limit one credit per room, per stay. Three-room limit per Card Member per stay; back-to-back stays within a 24-hour period at the same property considered one stay. If an eligible Card Member cancels their room, any additional rooms will no longer qualify for benefits as the eligible Card Member must be staying at the hotel. Participating providers and benefits subject to change. Taxes, surcharges and additional fees are as supplied by the hotel at the time of reservation; however they are subject to change and will be charged as applicable at the time of settlement of your hotel account. Note that payments made in foreign currencies will be subject to a foreign currency conversion and fee at the time of payment upon departure. You may be able to use Membership Rewards® points and/or the Travel Credit on the American Express Travel website as payment towards The Hotel Collection, if the selected hotel and room type provides you the option to prepay in advance. A one category room upgrade is based on availability and eligibility at check-in to the hotel.
7. 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.
8. 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 Explorer Card Members are entitled to a total of two (2) entries into The Centurion^® Lounges 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.
9. 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.
10. 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.

Important: This article is not intended to suggest that you should apply for a card. You should seek independent, professional advice and consider your personal circumstances before deciding to apply for a card.

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. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 4 September 2024 and are subject to change. Applicants must be 18 years of age or over to apply for the Qantas American Express Ultimate Card. They must be an Australian Citizen or permanent resident or hold a long term visa. Long term means 12 months or more and does not include a student visa.

1. Receive 100,000 bonus Velocity Points when you apply online by 30 April 2025, are approved, and spend $3,000 on eligible purchases on your new American Express Velocity Platinum Card within the first 3 months from the Card approval date. This offer is only available to new American Express Card Members. If you previously held a David Jones American Express Card and have not held any other American Express Card(s) in the past 18 months, you will be eligible for the offer. All other 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. 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. 100,000 bonus Velocity Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. Velocity Points are earned in accordance with the American Express Velocity Cards Points Terms and Conditions available here and are subject to the Terms and Conditions of the Velocity Frequent Flyer program available here. $440 annual fee applies. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.

2. 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.

3. 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 Primary 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 Conditionsofcarriage/VirginAustralia.com.

4. 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

5. 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.

6. As long as your account remains current and in good standing.

7. 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. 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.

9. 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.

10. 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.

11. You can create an Instalment Plan as long as your account is in good standing. We may withdraw this offer, prevent you from creating any new Instalment Plans or cancel any of your existing Instalment Plan(s) at any time if your Card Account is overdue, or if you do not comply with your Card Conditions. The minimum Plan amount is AUD$100. We may also limit the amount that can be transferred to an Instalment Plan. You will be charged a Monthly Plan Fee for each Instalment Plan created (unless a promotional plan is available). This fee will be charged each month your Instalment Plan is active and will be disclosed to you at the time of creating your 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 may request to cancel your Instalment Plan(s) at any time through your Online Account or the Amex App. Any billed Monthly Plan Fees will remain payable, but no further Monthly Plan Fees will be billed after cancellation is effective. As cancellation can take 24-48 hours to process (“Processing Time”), you may be charged a further monthly plan fee after requesting cancellation if the Processing Time occurs on your payment date. View the full Plan It® Instalment Terms and Conditions here. 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.