---
title: "American Express® Platinum Reserve Credit 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/fee5ec63-439a-481b-89db-d56145715a33
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-08T02:30:00.000Z
---

# American Express® Platinum Reserve Credit 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**

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.

## At a glance

- **Purchase rate:** 23.99%
- **Annual fee:** $395.00

## Apply

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

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Purchase (Interest rate applied to outstanding balances not paid in full by the due date.) | 23.99% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Annual Fee — Charged yearly · Discount −$395.00 — $0 Annual Fee if you hold a Centurion, American Express Platinum or American Express Platinum Business Card and meets all other applicable eligibility criteria. (eligibility: Other: Must hold a Centurion, American Express Platinum or American Express Platinum Business Card and meet all other applicable eligibility criteria.) | Ongoing | $395.00 |
| Additional Card Fee — Charged yearly · Applies to the first 4 Additional 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. | Event | $30.00 |
| 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 — $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. | Event | $6.00 |
| Over The Counter Fee — $3 Payable if you pay your Card Account in person at Australia Post by EFTPOS. | Payment | $3.00 |
| Record of Charge Fee — $7 for charges in Australia, $10 for other charges | Event | $7.00 |
| Additional Statement Fee — 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. | Event | $10.00 |

## Features

- **Additional cards** — up to 4 (Add up to 4 Cards at no additional fee.)
- **Bill payment (BPAY)** — Ways to pay your bill
- **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.)
- **Instalment plan** — Plan It Instalments (A flexible way to pay off a selected amount or portion of your Credit Card balance in equal monthly instalments. Subject to fees.)
- **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** — Smartphone Front Screen Cover Insurance
- **Insurance included** — Buyer's Advantage Cover
- **Interest-free period** — 55 days (Up to 55 interest free days on purchases)
- **Loyalty program** — Membership Rewards (2.25 Membership Rewards points per $1 spent on all purchases, except government bodies.
1 Membership Rewards point per $1 spent at government bodies in Australia.)
- **Notifications** — Payment due reminder
- **Notifications** — Spend tracking notification
- **Notifications** — Payment received alert
- **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.** — 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
- **Priority Pass™ membership grants the Basic Card Member 2 complimentary airport lounge visits each year.** — Priority Pass™
- **Enjoy two complimentary entries per year to The Centurion® Lounge at Sydney International Airport or Melbourne International Airport.** — Centurion Lounge Access
- **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
- **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.** — Hotel Elite Status
- **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.** — The Centurion Lounge®

## 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.)
- **Additional Cards are available for any friend or family member 16 years and over.**
- **Individuals only**
- **As a Centurion, American Express Platinum or American Express Platinum Business Card Member, you can apply for the Platinum Reserve Credit Card.**
- **Applications are assessed based on the information provided and are subject to credit approval.**

## Constraints

- **Minimum limit** — $3,000.00

## More information from American Express

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

## Data provenance

- Published by American Express under the Consumer Data Right
- Product ID: `fee5ec63-439a-481b-89db-d56145715a33`
- Last updated by the provider: 8 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/american-express/fee5ec63-439a-481b-89db-d56145715a33
- Provider page: https://www.cdrcompare.au/brands/american-express

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/american-express/products/fee5ec63-439a-481b-89db-d56145715a33) — 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.

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