American Express Platinum Business Card

• New cardholder. People who currently hold or have previously held an American Express card in the preceding 18-month period are not eligible for this offer. However, previous and existing bank-issued American Express companion cardholders are eligible.
• Residency. 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 licence 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 will 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 eligible 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 and Singapore Airlines KrisFlyer.
• Airline lounge access. Relax before your next business trip with access to over 1,200 lounges through the American Express Global Lounge Collection. This includes the Centurion Lounge, International American Express Lounges and Priority Pass lounges.
• Hotel Elite Status. Get fast-tracked to a higher status tier with hotel loyalty partners, including Radisson Hotel Group, Marriott Bonvoy and Hilton to receive discounts, earn more points and enjoy exclusive perks during your next hotel stay.
• Complimentary Accor Plus membership. Valued at $399 p.a., Accor Plus membership benefits include one complimentary night of accommodation per year and up to 50% off your dining bill at over 1,000 5-star participating hotels.
• Save on first and business class flights. You can fly in luxury for less and save up to 20% on first and business class fares booked through the Platinum Travel Service thanks to the American Express International Airlines Program.
• Complimentary insurance for business travel. Travel with peace of mind with travel inconvenience cover (which will cover flight delays, missed connections and delayed luggage) and platinum travel insurances (regardless of whether or not you've charged the trip to your card). Your dependent children, spouse and any additional card members are also covered by the travel insurance.
• Monthly business expenses insurance. Protect your business finances with monthly business expenses insurance of up to $12,000 if you're unable to attend to your business.
• 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.
• Complimentary Australian Financial Review subscription. Valued at $628 p.a., you can stay on top of the latest news with access to afr.com.au from any device, a digital version of the day's paper, archive access and exclusive daily emails.
• Expense tracking. Stay on top of your business spending, download statements and transaction details and integrate data from your American Express Platinum Business card through Quicken, MYOB and Microsoft Excel.
• Flexible Payment Option. Instead of paying off your balance in full each 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.
• Platinum Business Concierge. The Platinum Business Concierge is like your own 24/7 personal assistant. Whether you're looking to book dinner reservations with clients, make travel arrangements or get tickets to events, you can call 10 673 760 to get help from your concierge.
• 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. The American Express Platinum Business Card charges an annual fee of $1,750 p.a. This is currently discounted to $875 in the first year if you apply by 25 March 2025.