American Express Platinum Business Card

• New Amex card members. People who currently hold or have previously held an American Express card in the preceding 18-month period are not eligible for the introductory offers. However, previous and existing bank-issued American Express companion cardholders are eligible.
• Residence. You must be an Australian citizen or permanent resident.
• Credit history. You'll need to have a good credit history and no payment defaults.
• Age. You must be at least 18 years old to apply.

Required documents

• Personal details. This includes your full name, email address, residential address, date of birth and contact number. You'll also need to provide a valid form of ID, such as your driver's license number or passport.
• Business details. This includes your ABN, financial details for your business and your accountant's contact details.
• Financial details. You'll need to provide financial documents proving that you make the minimum required annual income. This could include your accountant's information, as well as recent individual tax assessment notices.

• Membership Rewards. Cardholders earn 2.25 Membership Rewards Points per $1 spent on most eligible purchases. This includes spending at eligible restaurants and on airlines, accommodation, advertising, couriers and computer equipment. You also collect 2.25 points per $1 on eligibility overseas spending and for utilities and insurance (except insurance issued by American Express). For spending with government bodies in Australia, you earn 1 point per $1 spent. You can redeem your points for rewards including flights, cashback, gift cards, merchandise and can be exchanged for frequent flyer points with airline rewards partners including Qantas Frequent Flyer, Velocity Frequent Flyer, Singapore Airlines KrisFlyer and Emirates Skywards.
• Airline lounge access. Relax before your next business trip with access to over 1,400 lounges through the American Express Global Lounge Collection. This includes the Centurion Lounge, International American Express Lounges and Priority Pass lounges.
• Hotel Elite Status. This card fast-tracks you to higher status with hotel loyalty partners, including Marriott Bonvoy and Hilton Honors Gold status and Radisson Rewards Premium status. Higher status means you can earn more points and enjoy exclusive perks when you stay at participating hotels.
• Complimentary Accor Plus membership. Valued at $399 pa, Accor Plus membership benefits include one complimentary night of accommodation per year and up to 50% off your dining bill at selected partner restaurants.
• Complimentary insurance. This card offers complimentary travel insurance for return domestic and international trips, including holidays. It also gives you access to monthly business expenses cover and a range of insurance for eligible retail items purchased with the card. For full details on cover, eligibility requirements and how to make a claim, refer to the insurance policy document available on the American Express website.
• Complimentary 12-month subscription to The Australian Premium. Get news and analysis from The Australian and The Wall Street Journal for 12 months with this premium subscription offer.
• Up to $125 back with Dell Technologies. Save this offer to your account and shop with Dell Technologies online or over the phone to get your purchase amount as a credit back on your card, up to a maximum of $125 before December 31, 2024.
• Additional cardholders. You can easily manage your employee spending and earn points as they spend with up to 99 additional cardholders at no extra cost.
• Amex Experiences app. Launched in 2024, this app has details on all your platinum card benefits, travel offers, events and recommended merchants in one place. This could help you save time when you want to use a benefit or check for new offers. You can also use it alongside the Amex app to manage all aspects of your account.
• Mobile contactless payments. Whether you use an iPhone, Android or Samsung device, you can use Apple Pay , Samsung Pay and Google Pay to make convenient contactless payments with your smartphone at the checkout.

• Annual fee. Outside of any promotions, the American Express Platinum Business Card charges an annual fee of $1,750.
• Flexible Payment Option. Instead of off your balance in full each paying statement period, you can choose to pay off a portion of it over time with the Flexible Payment Option. You use your card as normal, decide how much of your balance you'd like to pay and then carry over any unpaid amount to your next month's balance while attracting an interest rate on the remaining balance.