{
  "source": "https://apigw.americanexpress.com/cdr/unauth/cds-au/v1/banking/products/7e02379f-2d16-492d-a271-3a273f2187d3",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "productId": "7e02379f-2d16-492d-a271-3a273f2187d3",
    "lastUpdated": "2026-07-09T05:00:00.000Z",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "name": "The American Express Velocity Platinum Card",
    "description": "The American Express Velocity Platinum Card has a suite of airline benefits including a complimentary domestic return flight on VA each year, travel insurance and earn Velocity Points with every dollar spent.",
    "brand": "American Express",
    "brandName": "American Express",
    "applicationUri": "https://www.americanexpress.com/en-au/credit-cards/velocity-platinum-card/",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.americanexpress.com/en-au/credit-cards/velocity-platinum-card/",
      "termsUri": "https://www.americanexpress.com/en-au/credit-cards/velocity-platinum-card/",
      "eligibilityUri": "https://www.americanexpress.com/en-au/credit-cards/velocity-platinum-card/",
      "feesAndPricingUri": "https://www.americanexpress.com/en-au/credit-cards/velocity-platinum-card/"
    },
    "cardArt": [
      {
        "cardScheme": "AMEX",
        "cardType": "CREDIT",
        "title": "The American Express Velocity Platinum Card",
        "imageUri": "https://icm.aexp-static.com/Internet/CardArt/JAPA/au-cardasset-config/images/GAUP58100000S3.gif"
      }
    ],
    "features": [
      {
        "featureType": "ADDITIONAL_CARDS",
        "additionalValue": "4",
        "additionalInfo": "Add up to 4 Cards at no additional fee.",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/manage-your-card/additional-card/"
      },
      {
        "featureType": "BILL_PAYMENT",
        "additionalValue": "Ways to pay your bill",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/manage-your-card/pay-bill/"
      },
      {
        "featureType": "BONUS_REWARDS",
        "additionalValue": "New Card Member Offer",
        "additionalInfoUri": "https://www.americanexpress.com/en-au/credit-cards/velocity-platinum-card/"
      },
      {
        "featureType": "DIGITAL_BANKING",
        "additionalValue": "Amex App",
        "additionalInfo": "The Amex App lets you quickly and easily manage your Card Account anytime, anywhere.",
        "additionalInfoUri": "https://www.americanexpress.com/en-au/credit-cards/manage-your-card/mobile-app/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Apple Pay",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/manage-your-card/mobile-payments/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Google Pay",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/manage-your-card/mobile-payments/"
      },
      {
        "featureType": "DIGITAL_WALLET",
        "additionalValue": "Samsung Pay",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/manage-your-card/mobile-payments/"
      },
      {
        "featureType": "FRAUD_PROTECTION",
        "additionalInfo": "Fraud Protection Guarantee, protecting you from unauthorised charges made on your Account.",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/membership-benefits/service-and-security/fraud-protection/"
      },
      {
        "featureType": "INSTALMENT_PLAN",
        "additionalValue": "Plan It Instalments",
        "additionalInfo": "A flexible way to pay off a selected amount or portion of your Credit Card balance in equal monthly instalments. Subject to fees.",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/membership-benefits/plan-it/"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Complimentary Travel insurance",
        "additionalInfo": "Terms, conditions, cover limits and exclusions apply.",
        "additionalInfoUri": "https://www.americanexpress.com/au/insurance/insurance-with-your-card/"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Card Purchase Cover",
        "additionalInfo": "Card Purchase Cover, covering eligible items purchased with your Card",
        "additionalInfoUri": "https://www.americanexpress.com/au/insurance/insurance-with-your-card/"
      },
      {
        "featureType": "INSURANCE",
        "additionalValue": "Card Refund Cover",
        "additionalInfoUri": "https://www.americanexpress.com/au/insurance/insurance-with-your-card/"
      },
      {
        "featureType": "INTEREST_FREE",
        "additionalValue": "P55D",
        "additionalInfo": "Up to 55 interest free days on purchases",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/velocity-platinum-card/"
      },
      {
        "featureType": "LOYALTY_PROGRAM",
        "additionalValue": "Earn Velocity Points",
        "additionalInfo": "2.25 Velocity Points on eligible Virgin Australia purchases per $1 spent.\n1.25 Velocity Points on everyday purchases, except spend at government bodies in Australia where you'll get 0.5 Velocity Points per $1 spent.",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/velocity-platinum-card/"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Payment due reminder"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Spend tracking notification"
      },
      {
        "featureType": "NOTIFICATIONS",
        "additionalValue": "Payment received alert"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Amex Offers",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.americanexpress.com/en-au/credit-cards/membership-benefits/why-amex/offers/"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "American Express Experiences",
        "additionalInfo": "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.",
        "additionalInfoUri": "https://www.americanexpress.com/en-au/benefits/entertainment/events"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Complimentary Domestic Return Virgin Australia Flight",
        "additionalInfo": "Complimentary return economy domestic Virgin Australia flight p.a. \nReceive an annual Complimentary Domestic Return Economy Flight on Virgin Australia between selected cities each anniversary year, subject to availability and eligibility criteria.",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/membership-benefits/the-velocity-platinum-card/"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Virgin Australia Lounge Access",
        "additionalInfo": "Your American Express Velocity Platinum Card gives you access to Virgin Australia lounges at select domestic airports, every time you fly Virgin Australia domestically. Slip away from the crowds, sample an array of complimentary food and beverages, and take a load off before you take off. Enrolment in the VA Lounge Access benefit required. Subject to availability and eligibility criteria.",
        "additionalInfoUri": "https://www.americanexpress.com/au/credit-cards/membership-benefits/the-velocity-platinum-card/"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Velocity Frequent Flyer",
        "additionalInfo": "With Velocity, the frequent flyer program of Virgin Australia, you can earn and redeem your Velocity Points to travel to destinations around Australia. And when the time is right, you’ll be able to travel to your favourite locations overseas with Virgin Australia and Velocity’s international airline partners.",
        "additionalInfoUri": "https://www.virginaustralia.com/velocity"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Virgin Australia Guest Lounge Passes",
        "additionalInfo": "Each Membership year receive 2 complimentary Virgin Australia Guest Lounge Passes  to treat friends or family to VA Lounge access, when travelling with you on a domestic Virgin Australia flight, subject to availability and eligibility criteria.",
        "additionalInfoUri": "https://www.americanexpress.com/en-au/credit-cards/velocity-platinum-card/"
      },
      {
        "featureType": "OTHER",
        "additionalValue": "Velocity Status Credits",
        "additionalInfo": "Up to 100 Bonus Velocity Status Credits\n\nEarn up to 100 Velocity Status Credits each year. Status Credits help you jump Velocity tier status and escape the crowds and skip the queues. Be awarded 50 Status Credits when you spend $25,000 on eligible purchases each Membership year and a further 50 Status Credits when you spend another $25,000 in the same Membership year.",
        "additionalInfoUri": "https://www.americanexpress.com/en-au/credit-cards/velocity-platinum-card/"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "3000.00"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "RESIDENCY_STATUS",
        "additionalValue": "You are an Australian citizen or permanent resident or hold a long term visa.",
        "additionalInfo": "Long term visa means 12 months or more and does not include a student visa"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Additional Cards are available for any friend or family member 16 years and over."
      },
      {
        "eligibilityType": "NATURAL_PERSON"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Applications are assessed based on the information provided and are subject to credit approval."
      }
    ],
    "fees": [
      {
        "name": "Annual Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "440.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y"
      },
      {
        "name": "Additional Card Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "currency": "AUD",
        "additionalValue": "P1Y",
        "additionalInfo": "Applies to the first 4 Additional Cards"
      },
      {
        "name": "Late Payment Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "30.00"
        },
        "currency": "AUD",
        "additionalValue": "When you do not pay the minimum payment required by the due date as shown on your statement."
      },
      {
        "name": "Currency Conversion Fee",
        "feeType": "PURCHASE",
        "feeMethodUType": "rateBased",
        "rateBased": {
          "rateType": "TRANSACTION",
          "rate": "0.035"
        },
        "currency": "AUD",
        "additionalInfo": " 3.5% of the converted amount. Payable when any charge is processed in a currency other than Australian dollars."
      },
      {
        "name": "Dishonour Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "6.00"
        },
        "currency": "AUD",
        "additionalInfo": "$6 for each dishonour or debit rejection."
      },
      {
        "name": "Over the Counter Fee",
        "feeType": "PAYMENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "3.00"
        },
        "currency": "AUD",
        "additionalInfo": " $3 Payable if you pay your Card Account in person at Australia Post by EFTPOS."
      },
      {
        "name": "Record of Charge Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "7.00"
        },
        "currency": "AUD",
        "additionalInfo": "$7 for charges in Australia, $10 for other charges"
      },
      {
        "name": "Additional Statement Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        },
        "currency": "AUD",
        "additionalInfo": "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."
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "PURCHASE",
        "rate": "0.2399",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "OTHER",
        "loanPurpose": "OTHER",
        "additionalInfo": " Interest rate applied to outstanding balances not paid in full by the due date."
      }
    ]
  }
}