American Express
American Express® Platinum Business Card
American Express · cred and chrg cards
Provider last updated this product 2026-07-09.
Go to provider
You'll complete your application on
American Express's website. Confirm the rate and fees with them
before applying.
For business owners who value exceptional service and rewards.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| PURCHASE | 23.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Flexible Payment Option rate applied to the portion of your statement balance carried forward up to your FPO limit. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Annual Fee | PERIODIC | $1,750 | - |
| Business Employee Card Fee | PERIODIC | $0 | $0 annual Employee Card fee for up to 99 cards (this limit includes both active and cancelled Employee Cards). |
| Late Payment Fee | EVENT | 3.00% | Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount. |
| Currency Conversion Fee | PURCHASE | 3.50% | 3.5% of the converted amount. Payable when any charge is processed in a currency other than Australian dollars. |
| Dishonour Fee | EVENT | $20 | $20 for each dishonour or debit rejection. |
| Record of Charge Fee | EVENT | $7 | Payable when you or the Employee Card Member requests a copy of an individual charge. $7 for charges in Australia, or $10 for other charges. |
| Over The Counter Fee | PAYMENT | $3 | $3 Payable if you pay your Card Account in person at Australia Post by EFTPOS. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-09-25 | 2026-09-30 (current) | 23.99% |
Published figures as captured daily since 2026-09-25. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Enjoy exciting offers and deals with Amex Offers that add value to your Card Membership. Amex Offers must be saved to the Card and used for qualifying spend, subject to offer-specific criteria, to receive a benefit.
- Get pre-sale tickets and access to some of your favourite events, and enjoy the Amex Entertainment Lounge before the show at select venues. With Amex, you can dive into unforgettable experiences.
- Optimise your cash flow by choosing to pay off a portion of your balance, up to your FPO limit, over time. Subject to interest.
- Give your business financial breathing room with up to 55 days to pay for purchases.
- Priority Pass™ complimentary airport lounge access worldwide
- Complimentary access for the Card Member to all AMEX Centurion Lounge locations.
- Enjoy a full digital subscription to The Australian, which includes The Australian Business Review, and full digital access to The Wall Street Journal, plus content from The Times of London and Harvard Business Review. Enrolment required.
- We customise once-in-a-lifetime events – from sporting and fashion to fine dining, art and performances.
- Card Members receive complimentary Plaza Premium lounge visits worldwide.
- Card Members receive complimentary Delta Sky Club visits worldwide when flying Delta.
- Primary Card Members receive complimentary Virgin Australia Lounge access with up to one guest at selected domestic airports when flying on an eligible Virgin Australia flight, subject to availability and eligibility criteria.
- Every time you book with Fine Hotels + Resorts you’ll receive a range of complimentary benefits, including room upgrade (when available), breakfast for two, and 4pm late checkout.
- Receive up to US $100 hotel credit and room upgrade (when available) at selected hotels in The Hotel Collection when you book two consecutive nights’ stay through American Express Travel. Subject to availability and eligibility criteria.
- Enjoy complimentary annual membership to ALL Accor+ Explorer, which entitles you to a host of benefits including two 'Stay Plus' complimentary nights stay each year (each complimentary night must be booked in conjunction with a paid night) and 30% off your dining bill, for up to 10 guests at over 1,600 participating Accor Hotel restaurants. Enrolment required.
- Card Members receive complimentary Hilton Honors Gold status.
- Card Members receive complimentary Marriott Bonvoy Gold Status
- Card Members receive complimentary Radisson Rewards Premium Status.
- Card Members receive Hertz Five Star Status including discounts and upgrades when available.
- Receive one complimentary car-class upgrade whenever possible and increased savings on car rentals at participating locations worldwide. Enrolment required.
- Save the benefit to your eligible Card via Amex Offers and spend with Dell Technologies online or via phone, to receive your purchase amount back as a credit, up to $125 back per redemption period. Benefit ends 31 December 2026. Exclusions apply.
- International Airline Program offers discounts on airfares in premium classes.
- Access 1,550 Airport Lounges in more than 140 countries, including the Centurion® Lounge, Escape Lounges, Priority Pass™ Lounges and more.
- The Amex Experiences App gives you unrivalled access to Platinum restaurants, travel and exclusive Member offers. Download to browse and book today.
- Your Platinum Business Card has flexible spending power, also known as no pre-set spending limit, because it is a Charge Card
Who can apply
- min age - 18
- residency status - You are an Australian citizen or permanent resident or hold a long term visa.Long term visa means 12 months or more and does not include a student visa.
- otherEmployee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1) Employee Card.
- businessMust be a Director or Controller of the business
- businessAn active Australian Business Number (ABN).
- otherBusiness must be GST registered.
- min turnover - 75000.00
- otherApplications are assessed based on the information provided and are subject to credit approval.
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-07-09T02:00:00.000Z · Product ID: 1c78c8d1-72d8-4360-8b1f-d93d0bbd933c