American Express
American Express® Platinum Reserve Credit Card
American Express · cred and chrg cards
Provider last updated this product 2026-07-08.
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You'll complete your application on
American Express's website. Confirm the rate and fees with them
before applying.
The American Express Platinum Reserve Credit Card is the ideal companion to your Charge Card, giving you the flexibility of a Credit Card, complimentary Travel Insurance and Membership Rewards points.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| PURCHASE | 23.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Interest rate applied to outstanding balances not paid in full by the due date. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Annual Fee | PERIODIC | $395 | - |
| Additional Card Fee | PERIODIC | $0 | Applies to the first 4 Additional Cards |
| Late Payment Fee | EVENT | $30 | - |
| 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 | $6 | $6 for each dishonour or debit rejection. Payable if there aren’t enough funds in your nominated account to pay the Card Account or if the whole or part of a payment by direct debit is rejected. |
| Over The Counter Fee | PAYMENT | $3 | $3 Payable if you pay your Card Account in person at Australia Post by EFTPOS. |
| Record of Charge Fee | EVENT | $7 | $7 for charges in Australia, $10 for other charges |
| Additional Statement Fee | EVENT | $10 | Payable if you or an Additional Card Member requests an additional posted monthly paper statement. You may access statements free of charge through your online Account. |
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
- Whether it's shopping, dining, travel or entertainment, eligible Card Members can access Amex Offers providing statement credits or bonus points. 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.
- Priority Pass™ membership grants the Basic Card Member 2 complimentary airport lounge visits each year.
- Enjoy two complimentary entries per year to The Centurion® Lounge at Sydney International Airport or Melbourne International Airport.
- 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.
- Gain status with our partner's loyalty programs. Earn points and enjoy benefits at over 5,600 hotels and resorts within the Hilton Portfolio. Eligible Primary and Additional Card Members are able to enrol in complimentary Hilton Honors Silver elite status. To enjoy these benefits, enrolment is required.
- You will receive access to The Centurion Lounge® at Sydney International Airport (T1) and Melbourne International Airport (T2). Your Card grants 2 complimentary single entry passes to The Centurion Lounge® each calendar year (1 January to 31 December). You just need to show your physical Card at the front desk.
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.
- otherAdditional Cards are available for any friend or family member 16 years and over.
- natural person
- otherAs a Centurion, American Express Platinum or American Express Platinum Business Card Member, you can apply for the Platinum Reserve Credit Card.
- otherApplications are assessed based on the information provided and are subject to credit approval.
Limits
- min limit - 3000.00
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: 2026-07-08T02:30:00.000Z · Product ID: fee5ec63-439a-481b-89db-d56145715a33