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Whether you’re a premium Cardholder looking for something new, managing your own small business or running a larger operation with employees, there are two American Express Platinum Cards to consider.
The American Express Platinum Card is designed for personal use, while the American Express Platinum Business Card is aimed for business users. Each Card has its own eligibility criteria, features, benefits and limited-time offer through Money.com.au.
Explore the options below to see which American Express option may better suit the way you spend.
Which American Express Platinum Card could suit you?
Both Cards offer premium features and Membership Rewards Points, but they’re designed with different types of Card Members in mind.
Option 1: The American Express Platinum Card
For people who want to get more from their personal spending, the American Express Platinum Card combines premium rewards, travel benefits and lifestyle perks in one Card.
With up to 2.25 Membership Rewards Points per $1 on eligible purchases¹ and up to 44 cash flow days² it can provide a way to earn rewards while managing eligible spending.
There’s complimentary travel insurance when you pay for your return trip on your American Express Platinum Card (terms, conditions, cover limits and exclusions apply - such as maximum age limits and pre-existing medical condition exclusions)³, plus access to 1,550+ airport lounges across 500+ airports in 140 countries⁴. You’ll also get up to $400 in Global Dining Credit⁵ until 31 December 2028 and $450 in Travel Credit each year⁶.
The $1,450 annual Card fee isn’t cheap but it’s arguably well worth it, given the massive points-earning potential and inclusions above.
Option 2: American Express Platinum Business Card
For growing businesses, those managing a team or have employees who need access to a Card.
You can earn up to 2.25 Membership Rewards Points per $1⁰ as the Platinum Card, while accessing up to 55 cash flow days² and up to 99 complimentary Employee Cards⁺.
Enjoy overseas and domestic travel insurance when you pay for your return trip on your American Express Platinum Card (terms, conditions, cover limits and exclusions apply - such as maximum age limits and pre-existing medical condition exclusions)⁻, hotel savings and streamlined financial reporting with automatic transaction feeds from your Card Account into Intuit QuickBooks, MYOB⁼ and Xero. You’ll also get an Australian Premium subscription, with access to news and analysis from The Wall Street Journal and other leading international publicationsⁿ.
The Card has a $1,750 annual fee, but for businesses that can make use of the rewards, travel perks and financial management features, there’s plenty to consider.
Two Cards. Two limited-time offers
See below for each Card's offer details.
SPONSORED OFFER: Earn 150,000 Bonus Membership Rewards Points
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Points per $1
Up to 2.25
Everyday spend
Sign up bonus
150,000
Membership Rewards
Card fee
$1,450
Per annum
Cash flow days
Up to 44
The American Express Platinum Card Offer
When you apply online by 12 January 2027, are approved, and spend $5,000 on eligible purchases on your new American Express Platinum Card within the first 3 months of your approval date, you can earn ...
SPONSORED OFFER: Earn 350,000 Bonus Membership Rewards Points
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Points per $1
Up to 2.25
Everyday spend
Sign up bonus
350,000
Membership Rewards
Card fee
$1,750
Per annum
Cash flow days
Up to 55
The American Express Platinum Business Card
When you apply by 4 May 2027, are approved and spend $12,000 on eligible purchases on your new American Express Platinum Business Card within the first 3 months of your approval date, you can earn 350...
Which Platinum Card fits you best?
The American Express Platinum Card
Could suit you if you're after a Card for personal use and:
- Looking for a premium personal Card with a host of benefits, inclusions and perks
- Looking to earn Membership Rewards Points on eligible purchases
- Looking for personal travel and dining benefits
- Managing your own personal spending
American Express Platinum Business Card
Could suit you if you're after a Card for business use and:
- Running a growing business
- Managing employees or a larger team
- Looking for additional Employee Cards
- Managing spending across multiple people
- Looking for additional cash flow flexibility
Compare the two American Express Platinum Cards
| The American Express Platinum Card | American Express Platinum Business Card | |
|---|---|---|
Who could it suit? | For personal use, suited to people who enjoy travelling, the finer things in life and earning points on their everyday spending. | For business use, designed for growing businesses and teams that spend and travel for work. |
Cash flow days | Up to 44² | Up to 55² |
Supplementary Cards | Up to 4 additional Cards | Up to 99 Employee Cards⁺ |
Points earned | Up to 2.25 points per $1 on purchases¹ | Up to 2.25 points per $1 on purchases⁰ |
Sign-up offer | Up to 150,000 Bonus Membership Rewards Points¹ | 350,000 Bonus Membership Rewards Points⁰ |
More from your business spending with the Amex Platinum Business Card
Business spending can add up quickly. From everyday expenses to larger purchases, the right Card can help you get more from eligible spending while providing additional features and flexibility.
See below as to what business-specific American Express perks are included on the American Express Platinum Business Card:
- AccessLine® (allows you to make secure domestic business payments even if they don’t accept card payments)⁷
- Flexible spending power (a dynamic limit which means the amount of funds that you can access could change based on factors like transaction patterns and the business’s credit rating)⁸
- Flexible payment option (cardholders can free up cash flow by choosing how much of their balance to pay off over time – up to your Flexible payment option limit – and for how long. The unpaid amount will be carried over to the next month’s balance but interest charges will apply)⁹
- Employee Cards up to 99⁺
- Fraud protection
- Membership Rewards
- Travel insurance
- Airport lounge access
- an ABN is required
Are the American Express Platinum Cards worth it?
If you’re looking for a premium personal Card with travel perks, dining benefits and rewards, the American Express Platinum Card may be worth considering. It’s designed for personal use and individuals who want to get more out of their everyday spending and travel, with benefits that can add value when used regularly.
If you're looking for premium Card for business use with significant operating expenses, regular travel and a need to manage employee spending, the American Express Platinum Business Card offers an option for business owners who value exceptional rewards and service. It includes features such as Employee Cards, expense management and accounting integrations, helping businesses manage spending while making the most of rewards and premium benefits.
The main consideration for both Cards is the intended use, while the annual fee is also something else to think about - the Platinum Card (for personal use) and the Platinum Business Card (for business use). As premium products, their value depends on how much you use the included travel, dining, lounge access and other benefits. If you don’t travel often or are unlikely to use the available credits and perks, it may be harder to justify the yearly cost.