---
title: "American Express® Platinum Business Card — American Express"
description: "Credit & Charge Cards from American Express. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/american-express/products/1c78c8d1-72d8-4360-8b1f-d93d0bbd933c
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-09T02:00:00.000Z
---

# American Express® Platinum Business Card — American Express

> Credit & Charge Cards from American Express. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards**

For business owners who value exceptional service and rewards.

## At a glance

- **Purchase rate:** 23.99%
- **Annual fee:** $1,750.00

## Apply

Applications are handled by the provider: [Apply at American Express](https://www.americanexpress.com/en-au/credit-cards/platinum-business-card/)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Purchase (Flexible Payment Option rate applied to the portion of your statement balance carried forward up to your FPO limit.) | 23.99% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Annual Fee — Charged yearly · Discount −$1,450.00 — American Express may, at its discretion, discount the annual fee where the customer holds an eligible American Express Personal Platinum Card and meets all other applicable eligibility criteria. (eligibility: Other: Reduced Annual Card Fee on the American Express Platinum Business Card as long as you continue to hold your American Express Platinum Card and meet all other applicable eligibility criteria.) | Ongoing | $1,750.00 |
| Business Employee Card Fee — Charged yearly · $0 annual Employee Card fee for up to 99 cards (this limit includes both active and cancelled Employee Cards). | Ongoing | $0.00 |
| Late Payment Fee — When you do not pay the minimum payment required by the due date as shown on your statement. · Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount. | Event | 3% of balance |
| Currency Conversion Fee — 3.5% of the converted amount. Payable when any charge is processed in a currency other than Australian dollars. | Purchase | 3.5% of transaction |
| Dishonour Fee — $20 for each dishonour or debit rejection. | Event | $20.00 |
| Record of Charge Fee — 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. | Event | $7.00 |
| Over The Counter Fee — $3 Payable if you pay your Card Account in person at Australia Post by EFTPOS. | Payment | $3.00 |

## Features

- **Additional cards** — up to 99 (No fee for up to 99 Employee Cards.)
- **Bill payment (BPAY)** — Ways to pay your bill
- **Bonus rewards** — New Card Member Offer
- **Bonus rewards** — Existing Merchant Member Card Offer
- **Digital banking** — Amex App (The Amex App lets you quickly and easily manage your Card Account anytime, anywhere.)
- **Digital wallet** — Apple Pay
- **Digital wallet** — Google Pay
- **Digital wallet** — Samsung Pay
- **Fraud protection** (Fraud Protection Guarantee, protecting you from unauthorised charges made on your Account.)
- **Insurance included** — International & Domestic Travel Insurance (Terms, conditions, cover limits and exclusions apply.)
- **Insurance included** — Card Purchase Cover
- **Insurance included** — Card Refund Cover
- **Insurance included** — Buyer's Advantage Cover
- **Insurance included** — Loss Damage Waiver Cover
- **Loyalty program** — Membership Rewards ( 2.25 points per $1 spent on all purchases, excluding government bodies.
1 point per $1 spent at government bodies in Australia.)
- **Notifications** — Payment due reminder
- **Notifications** — Spend tracking notification
- **Notifications** — Payment received alert
- **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.** — Amex Offers
- **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.** — American Express 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.** — Flexible Payment Option
- **Give your business financial breathing room with up to 55 days to pay for purchases.** — Cash Flow Days
- **Priority Pass™ complimentary airport lounge access worldwide** — Priority Pass™
- **Complimentary access for the Card Member to all AMEX Centurion Lounge locations.** — Centurion Lounge Access
- **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.** — The Australian Premium Subscription
- **We customise once-in-a-lifetime events – from sporting and fashion to fine dining, art and performances.** — Platinum Card Experiences
- **Card Members receive complimentary Plaza Premium lounge visits worldwide.** — Plaza Premium
- **Card Members receive complimentary Delta Sky Club visits worldwide when flying Delta.** — Delta Sky Club
- **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.** — Virgin Australia Lounge Access
- **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.** — Fine Hotels + Resorts
- **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.** — The Hotel Collection
- **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.** — ALL Accor+ Explorer Membership
- **Card Members receive complimentary Hilton Honors Gold status.** — Hilton Gold Status
- **Card Members receive complimentary Marriott Bonvoy Gold Status** — Marriott Bonvoy Gold Status
- **Card Members receive complimentary Radisson Rewards Premium Status.** — Radisson Rewards Premium Status
- **Card Members receive Hertz Five Star Status including discounts and upgrades when available.** — Hertz Five Star Status
- **Receive one complimentary car-class upgrade whenever possible and increased savings on car rentals at participating locations worldwide. Enrolment required.** — Avis Preferred
- **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.** — Dell Statement Credit
- **International Airline Program offers discounts on airfares in premium classes.** — International Airline Program
- **Access 1,550 Airport Lounges in more than 140 countries, including the Centurion® Lounge, Escape Lounges, Priority Pass™ Lounges and more.** — The American Express Global Lounge Collection
- **The Amex Experiences App gives you unrivalled access to Platinum restaurants, travel and exclusive Member offers. Download to browse and book today.** — Amex Experiences App
- **Your Platinum Business Card has flexible spending power, also known as no pre-set spending limit, because it is a Charge Card** — Flexible Spending Power
- **Insurance included** — Legal, Roadside, and Home Assistance

## Eligibility

- **Minimum age** — 18 years
- **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.)
- **Employee 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.**
- **Business customers** (Must be a Director or Controller of the business)
- **Business customers** (An active Australian Business Number (ABN).)
- **Business must be GST registered.**
- **Minimum turnover** — $75,000.00 p.a.
- **Applications are assessed based on the information provided and are subject to credit approval.**

## More information from American Express

- [Overview](https://www.americanexpress.com/en-au/credit-cards/platinum-business-card/)
- [Terms & conditions](https://www.americanexpress.com/en-au/credit-cards/platinum-business-card/)
- [Eligibility](https://www.americanexpress.com/en-au/credit-cards/platinum-business-card/)
- [Fees & pricing](https://www.americanexpress.com/en-au/credit-cards/platinum-business-card/)

## Data provenance

- Published by American Express under the Consumer Data Right
- Product ID: `1c78c8d1-72d8-4360-8b1f-d93d0bbd933c`
- Last updated by the provider: 9 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/american-express/1c78c8d1-72d8-4360-8b1f-d93d0bbd933c
- Provider page: https://www.cdrcompare.au/brands/american-express

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/american-express/products/1c78c8d1-72d8-4360-8b1f-d93d0bbd933c) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)