American Express Platinum Business Card
A premium business card offering up to 390,000 bonus points, airport lounge access and up to 55 cash flow days
Partner Offer: Earn up to 390,000 Bonus Membership Rewards Points.
When you apply via the link on this page, receive an additional 40,000 Bonus Membership Rewards Points on top of the current 350,000 Bonus Membership Rewards Points offer when you apply by 30 June 2026, are approved and spend $12,000 on eligible purchases on your new American Express Platinum Business Card within 3 months of your approval date.
T&Cs apply. Available for new American Express Card Members only.
Why Choose The Amex Platinum Business Card?
The American Express Platinum Business is one of the most rewarding business charge cards in Australia. It's designed for small to medium business owners looking to level up their travel experience and maximise their points earning through the Membership Rewards program.
Unlike some rewards cards that reduce earn rates after reaching certain thresholds, the Platinum Business continues to earn 2.25 Membership Rewards points per dollar spent on eligible purchases, without monthly or annual earning limits.
Membership Rewards Points can be transferred to 14+ airline and hotel loyalty programs, including Qantas Frequent Flyer, Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles, and Qatar Airways Privilege Club.
That huge points flexibility is one of the Platinum Business' biggest strengths. Rather than locking you into a single airline, Membership Rewards can be transferred where award availability and redemption value make the most sense.
Alongside that travel flexibility, Card Members also gain access to a range of business benefits, including flexible spending power. This means that there is no pre-set spending limit. Spending capacity can adapt over time based on factors such as payment history, transaction patterns and business profile.
The American Express Platinum Business can also provide valuable cash flow flexibility, with up to 55 days to pay for eligible purchases. This can help businesses better manage expenses, supplier payments and short-term working capital.
Key Benefits
Earn an additional 40,000 Bonus Membership Rewards Points on top of the 350,000 Bonus Membership Rewards Points offer currently in market when you apply for the American Express Platinum Business Card*
on eligible purchases
on ATO and government-related spend
Access to 14+ frequent flyer and hotel loyalty programs thanks to Membership Rewards
Premium travel insurance benefits, Card Purchase Cover, Buyer’s Advantage Cover and Loss Damage Waiver Cover
What Are The Points Worth?
With 390,000 Membership Rewards, you can start planning a trip as soon as those points hit your account! When it comes to transferring the points to the most popular frequent flyer programs, keep in mind that points will go across at a rate of 3:1 for most programs.
This essentially means your 390,000 MR points will be worth:
- Qantas: 195,000 Qantas Points
- Virgin Australia: 195,000 Velocity Points
- Cathay Pacific: 130,000 Asia Miles
- Singapore Airlines: 130,000 KrisFlyer Miles
- Qatar Airways: 130,000 Avios
- British Airways: 130,000 Avios
- Malaysia Airlines: 130,000 Enrich Miles
- Virgin Atlantic: 130,000 Virgin Points
- Emirates: 97,500 Skywards Miles
- Air New Zealand: $1,950 Airpoints
What Could 390,000 Membership Rewards Points Unlock?
Membership Rewards points can unlock some exceptional travel experiences when strategically transferred to airline partners. The limited-time Amex Platinum Business bonus offer of 390,000 Membership Rewards points is substantial enough to unlock a range of business class flights. Here are three standout ways those points could be used.
1. Qsuite Business Class To London
Fly from Melbourne to London with Qatar Airways in business class for 158,500 Velocity Points (equivalent to 317,000 Membership Rewards) + around $725 AUD in taxes.
Widely regarded as one of the world’s best business class products, Qatar Airways Qsuite offers fully enclosed suites, dine-on-demand service and direct aisle access on long-haul flights.
2. Fiji Return For Two In Business Class
Fly from Sydney to Fiji in Fiji Airways business class. Per person, the return trip costs 87,200 Qantas Points + around $300 AUD in taxes. That means the signup bonus alone is enough to fly two people to Fiji island paradise return in lie-flat business class.
When booking the Fiji Airways A350, business class passengers enjoy a premium experience from the moment they arrive at the airport. You'll get lounge access, priority boarding, and lie-flat business class seats on Fiji's flag carrier.
3. Return Business Class To Vietnam
You could book Vietnam Airlines business class from Perth to Ho Chi Minh City return, using the signup bonus!
One of the more creative ways to maximise Membership Rewards points is through Flying Blue, the loyalty program of Air France and KLM. By transferring Membership Rewards points to Marriott Bonvoy and then onwards to Flying Blue, cardholders can unlock some excellent-value business class redemptions (read more on this in our Amex Transfer Hack guide).
From Perth to Ho Chi Minh City, you'd need around 36,000 Flying Blue miles. Using this strategy, that's an equivalent of approximately 139,500 Membership Rewards Points.
With the current elevated offer of up to 390,000 Membership Rewards points, cardholders could book this trip return and still have more than 110,000 points remaining for future travel.
Why A Charge Card?
The Amex Platinum Business Card is a charge card and not a credit card. This means business users can enjoy flexible spending power on their business card with up to 55 days to pay for purchases.
Unlike a credit card, a charge card must be paid in full each billing cycle. That said, American Express does offer flexible payment options if it’s needed.
Uncapped Earn Rates
The American Express Platinum Business Card earns Membership Rewards Points. This program allows members to transfer points to their airline program of choice on demand.
Earn rates are as follows:
- 2.25 points per $1 on eligible purchases
- 1 point per $1 on ATO and government-related spend
One major advantage of the Platinum Business Card is the lack of monthly or annual points earning caps. Unlike many competing rewards cards, eligible business spending continues earning Membership Rewards points, making it particularly attractive for higher-spending businesses.
Lounge Access With Amex Business Platinum
Frequent travellers will get significant value from the Platinum Business Card’s extensive lounge access benefits. From premium Centurion Lounges to Priority Pass and Virgin Australia lounges, cardholders can access thousands of airport lounges worldwide.
- The Centurion Lounge: access to American Express’ own The Centurion Lounge in Sydney and Melbourne, plus Centurion Lounges overseas. You can bring in one additional guest travelling on the same flight.
- Priority Pass Lounge: one complimentary Priority Pass Membership, which gives the Primary Card Member access to 1,200 Priority Pass Lounges in 500 airports. The complimentary Priority Pass access is equivalent to the US$469 “Prestige” membership, so it’s a very valuable benefit! You can bring in one additional guest to the Priority Pass Lounge.
- Plaza Premium Lounge: access to Plaza Premium lounges worldwide, a smaller network of high-quality premium lounges at selected airports. You can bring in one additional guest to the Plaza Premium Lounge.
- Virgin Australia Lounge: access Virgin Australia's network of domestic lounges when travelling with Virgin Australia. You can also bring one extra guest at no additional cost.
- Delta Sky Club: access to Delta SkyClub lounges when travelling with Delta Air Lines.
Important Note: American Express has announced changes to lounge access effective July and October 2026. For simplicity, we have used the new policy above. Read more here.
Complimentary Elite Hotel Status
The American Express Platinum Business Card also comes with several hotel statuses:
- Hilton Honors Gold
- Marriott Bonvoy Elite Gold
- Radisson Rewards Premium
ALL Accor+ Explorer Membership
The Amex Platinum Card now comes with a complimentary ALL Accor+ Explorer membership for the Primary Card Member. This is a hugely rewarding hotel membership that retails at $349 per year but is included as part of your Amex Platinum Membership!
Perhaps the best benefit is the two ‘Stay Plus’ complimentary nights (each free night must be booked in conjunction with a paid night) that can be used for two nights at Accor Hotels throughout the year.
ALL Accor+ Explorer membership benefits include:
- 2 Stay Plus free nights for use in Asia Pacific on a buy-one-get-one-free basis
- Accor Gold Status thanks to 30 bonus Status Nights per year
- Up to 50% off hotel stays with limited-time Red Hot Rooms promotions
- 15% off hotel stays year-round at most Accor properties worldwide
- 30% off dining at Asia Pacific hotels
- 15% off drinks at Asia Pacific hotels
American Express Fine Hotels & Resorts
As an American Express Platinum Business Card Member, you will receive access to American Express Fine Hotels & Resorts (FHR). This is a collection of luxury hotels around the world where you will receive additional benefits simply by booking your stay via FHR.
These special rates can be booked online or by calling American Express Travel. In addition, members can also earn status nights and points if the FHR-listed hotel is part of a group such as Hilton Honors, Marriott Bonvoy etc.
The benefits of FHR may include:
- An on-property benefit, often USD 100 food & beverage credit per stay
- 12 pm check-in when available
- Room upgrade if available
- Free breakfast for 2 people
- Guaranteed 4 pm late checkout
- Free Wi-Fi
Travel & Insurance Benefits
The American Express Platinum Business Card comes with some of the most comprehensive insurance benefits of any card on the market. Since insurance depends on your personal circumstances, it’s essential you read the product disclosure statement and learn how the cover applies to your personal situation.
Complimentary domestic and international travel insurance extends to you, your spouse, your dependent children (25 years of age or younger), and your Employee Card Members when you pay for your return trip on your Card.
The Amex Platinum Business Card includes the following insurances:
- Travel Inconvenience Cover
- Medical Emergency Expenses Cover
- Public Transport Accident Cover
- Baggage, Money and Documents Cover
- Trip Cancellation and Amendment Cover
- Buyer’s Advantage Cover
- Card Purchase Cover
- Roadside Assistance
- Car Rental Loss Damage Waiver Cover
Platinum Business Flexible Payment Option
Business owners can take advantage of the American Express flexible payment option offered as part of their Platinum Business Card. Flexible payment options allow business users to free up cash flow when it’s needed beyond the interest-free days.
When the statement balance is issued, members will have the option to carry over a portion of the unpaid balance to the next month. Note that with the Flexible Payment Option, you will be charged interest if you do not pay your Closing Balance in full by the due date each month.
Amex Experiences App
Amex Platinum Card Members get access to the Amex Experiences App, which highlights the card benefits and features and gives notifications about exclusive ticket pre-sales as well as information on which restaurants you can book to redeem your dining credit. The app is available via Google Play and the Apple App Store.
Digital Wallet Integrations
It goes without saying that American Express Cards are some of the most integrated products out there. This means you can easily add your card to your choice of digital wallets, such as Apple Pay, Google Pay and Samsung Pay.
This feature allows users to use their NFC-enabled devices such as phones, smartwatches and bracelets to make payments without having their card present.
Eligibility Criteria
You will need to have an annual business revenue of $75,000 or more, have a valid ABN registered for GST, be 18 years or older, be an Australian citizen or permanent resident, be a director or Controller of the business, and last (but not least) you will need to have a good credit history with no payment defaults.
Bonus Points Eligibility
American Express have a rule which dictates who can and can’t receive a sign up bonus for a new card. As it stands, both personal and business cards are classified under the same umbrella regarding sign up bonuses. Unfortunately, this means that if you currently hold or have held an Amex Card within the last 18 months, you’re not eligible for the sign up bonus.
There is 1 exceptions to this rule: Card Members who have or have held an American Express Corporate Card. Those members can still apply for a personal or business American Express and obtain the bonus offer when meeting all the other criteria.
Summing Up
The American Express Platinum Business Card is an absolute powerhouse for business users who value the premium inclusions and uncapped earn rate. Since this card is a charge card with flexible spending power and up to 55 days of cash flow, it can really open up opportunities for business users looking to scale their business.
For us, one of the most valuable features of this card is the travel insurance benefits and, of course, access to more than 10 airline transfer partners.
Terms & Conditions
Min spend $12k in first 3 months. Offer ends 30 June 2026. New Amex Card Members only. T&Cs apply. Apply via the link on this page.
350,000 Bonus Membership Rewards Points + additional 40,000 Bonus Points: Offer only available to new American Express Card Members who apply by 30 June 2026 via the link on this page, are approved and spend $12,000 on eligible purchases on their new Card in the first three (3) months from the Card approval date. If you apply via a different link or visit the American Express website separately, you will not be eligible for the offer. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer. 390,000 Bonus Membership Rewards Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. Subject to the Terms and Conditions of the Membership Rewards Program available at
https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/. The American Express® Platinum Business Card has an annual Card fee of $1750. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
An annual ALL Accor+ Explorer Membership is valued at AU$349, found at accorplus.com/au/benefits as at 1 October 2025. Eligible American Express Card Members are required to enrol to receive a complimentary ALL Accor+ Explorer membership. An ALL Accor+ Explorer membership is available only to the Primary Platinum Card Member. Membership privileges will only be granted on presentation of a valid membership card and a member must identify themselves as an ALL Accor+ Explorer member at time of booking. Accommodation bookings must be made in advance through the ALL.com app. American Express reserves the right to instruct Accor Plus to cancel your membership if you cease to be a Platinum Card Member or your Account is not in good standing. Complimentary membership is a continuing benefit of your American Express Platinum Card, however American Express reserves the right to discontinue the benefit, upon providing you with reasonable notice. Once enrolled, enrolment continues for at least 12 months. If you become ineligible for this benefit or if this benefit ends, the ALL Accor+ Explorer membership standard eligibility criteria will apply to you. A Stay Plus Free Night may be subject to availability at participating properties. Use of the Stay Plus is subject to the conditions as listed on accorplus.com/au/terms-and-conditions. Membership privileges are subject to exceptions listed at accorplus.com/au/benefits-exceptions. Dining and drinks discounts do not apply to room service, mini bars, meeting rooms, selections from the kids’ menus or takeaways; and public holidays or during special events. For more information, please visit here: accorplus.com/benefits/more-flavours. Dining privileges are subject to the Accor Plus membership terms and conditions which are found here: accorplus.com/au/terms-and-conditions.
The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Platinum Business Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Platinum Business Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs.
This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
