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Card Reviews

American Express Velocity Platinum Credit Card

Unlock a complimentary Virgin Australia return domestic flight, lounge access at selected domestic airports whenever you fly Virgin Australia and more with Amex Velocity Platinum!
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Immanuel Debeer14 Jan 2026
Up to 100,000 Velocity Points*
Up to 100,000 Velocity Points*
Apply online
American Express Velocity Platinum Card Review
The American Express Velocity Platinum Card is a unique Card that offers a complimentary domestic economy return Virgin Australia flight each year you hold the card, exceptional earn rates and Virgin Australia Lounge Access!
Amex Velocity Platinum Card
4/5
Bonus Points
5/5
Earn Rate
5/5
Extra Features
4/5
Overall
Pros
Excellent earn rates - uncapped
Annual domestic return flight with Virgin Australia
Lounge access each time you fly VA at selected airports. Enrolment required. T&Cs apply.
Great sign up bonus for new members
Cons
International transaction fee of 3%

Velocity Frequent Flyer is one of Australia's best loyalty program, thanks to a huge collection of redemption partners we rate it as one of the most valuable points currencies to earn. If this is your priority too, the Amex Velocity Platinum Credit Card should be top of mind when it comes to a card stacked with perks!

Limited Time Sign Up Bonus

Earn up to 100,000 bonus Velocity Points That’s 70,000 bonus Velocity Points when you apply online by 30 April 2026, are approved, and spend $5,000 on eligible purchases on your new American Express Velocity Platinum Card within the first 3 months. Plus, an additional 30,000 bonus Velocity Points when you spend a min of $1 on your Card within 90 days of paying your second year annual Card fee. T&Cs apply. New Amex Card Members only.

Key Benefits Of American Express Velocity Platinum

The American Express Velocity Platinum Card is a unique card that offers a complimentary domestic return Virgin Australia flight each year you hold the card, exceptional earn rates on both everyday spending as well as extra points on travel expenses with Virgin Australia. To top it all off, you also get Lounge Access each time you fly Virgin Australia (at selected domestic airports ie. every airport in Australia where a Virgin Australia Lounge is available) and 2 Lounge Passes for your guests.*

Bonus PointsEarn up to 100,000 bonus Velocity Points That’s 70,000 bonus Velocity Points when you apply online by 30 April 2026, are approved, and spend $5,000 on eligible purchases on your new American Express Velocity Platinum Card within the first 3 months. Plus, an additional 30,000 bonus Velocity Points when you spend a min of $1 on your Card within 90 days of paying your second year annual Card fee. T&Cs apply. New Amex Card Members only.
Mobile WalletAmex supports Apple Pay, Google Pay & Samsung Pay.
Earn RateEarn 1.25 Velocity Points per $1 on eligible everyday purchases. ATO/Gov expenses: Earn 0.5 Velocity Points per $1 spent on government bodies in Australia.
Earn Rate With Virgin AustraliaEarn 2.25 Velocity Points per $1 spent on eligible Virgin products and services.
Annual Fee$440
Rewards ProgramVelocity Frequent Flyer
Interest Rate 23.99% p.a. on purchases. You will have up to 55 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month.
Overseas transaction fee3% of the converted amount
Amex Velocity Platinum Card
American Express Velocity Platinum
Sign Up BonusUp to 100,000Velocity Frequent Flyer Points
Earn Rate (up to)2.25 ptsVelocity Points per $1

What Makes The Amex Velocity Platinum Card So Good?

The American Express Velocity Platinum Credit Card comes with many benefits but here are some that stand out:

Complimentary Annual Domestic Flight

Enjoy a complimentary annual Virgin Australia return economy domestic flight between selected cities each anniversary year.*

Virgin Australia Lounge Access

Enjoy Virgin Australia Lounge Access every time you fly domestically with Virgin Australia. This benefit is for the primary cardholder only and enrolment is required. Got guests? You will also get 2 additional Guest Lounge Passes each year you're a Card Member.*

Bonus Velocity Status Credit

Earn up to 100 Velocity Status Credits p.a. That's 50 Status Credits when you spend $25,000 and a further 50 Status Credits when you spend another $25,000 in the same membership year.*

Earn up to 2.25 Velocity Points per $1

Earn 2.25 Velocity Points per $1 spent on eligible Virgin products and services.

Uncapped Earning

The American Express Velocity Platinum comes uncapped, this means you can earn as many points as you would like without restrictions.

Boost Your Points

Earn points faster by getting up to 4 Additional Cards for family members at no additional cost.*

Virgin Australia Lounge Access with Amex Velocity Platinum

Virgin Australia Lounge Access

The Amex Velocity Platinum Card now comes with Virgin Australia Lounge Access for the primary Card Member. This means you can unwind in comfort every time you fly Virgin Australia on domestic routes. This benefit is available at airports equipped with Virgin Australia lounges. To get this special benefit, you must fly Virgin Australia and enrolment is required. If you're traveling with guests, you will get an additional 2 guest lounge passes each year you hold the Card. T&Cs apply.*

How to Activate Virgin Australia Lounge Access

  1. Enter your 15-digit American Express Card number and CID code on the enrolment page.
  2. Select "Log In" and complete the enrolment process.
  3. To activate lounge access, make an eligible purchase on your American Express Card.

Good To Know

  • Eligible Purchase Definition: Any transaction of $1 or more, excluding fees and interest charges.
  • Activation Time: Allow up to 7 days after the eligible purchase for lounge access to activate on your Velocity Frequent Flyer Membership linked to your Card.
  • Renewal: To renew lounge access each year after your Benefit Anniversary, make another eligible purchase on your Card.

Complimentary Virgin Australia Return Flight

One of the great benefits of the Amex Velocity Platinum Card is the complimentary domestic return flight you get each year. It goes a long way to help offset the cost of the annual fee and best of all, you don’t need to redeem it for yourself if you are not planning to travel. You can use the flight to book a return trip for friends and family just by visiting the dedicated website.*

How to Book The Complimentary Amex Velocity Virgin Australia Flight

To book the complimentary flight simply visit: http://compflight.virginaustralia.com/ and login with your frequent flyer number. Note that not all the destination on the Virgin Australia network are available for booking. To see all the available routes visit the Amex Velocity Flight Routes page.

Amex Velocity Platinum Destinations

Virgin Australia Complimentary Flight Destinations

The complimentary flight is also perfect to keep as a backup for the busy travel periods in the year, unlike regular tickets, the price of your complimentary flight is well…zero. This means that when you try to fly during an important sporting match, for example, you won’t be stung by inflated airfares.

Perth residents are the obvious winners when you look at the route maps, flying Virgin Australia with checked luggage to Sydney is easily $500+ so having a complimentary return flight for when you need it, is an easy win.

Flights a subject to availability. Seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. T&Cs apply.

Check out all the destinations available from your city via this interactive tool.

Travel and shop with confidence

Wherever your next adventure takes you, know you’re protected by the world-class service and protection of American Express with these great benefits:

  • Card Purchase Cover: Covers eligible stolen or damaged items purchased with your Card*
  • Card Refund Cover: Covers the cost of recent and unused purchases when a store refuses a return*
  • Fraud Protection Guarantee: Protects you from unauthorised charges made on your Account*
  • Emergency Card replacement: For lost or stolen Cards to virtually anywhere in the world*
  • Medical Emergency Expenses Cover*
  • Public Transport Accident Cover*
  • Damage To Baggage Cover*
  • Travel Inconvenience: Travel Inconvenience Cover up to $200 if your flight is delayed*

Terms, conditions and exclusions apply (such as maximum age-limits, pre-existing medical conditions and cover limits).*

American Express Velocity Platinum Conclusion

The Amex Velocity Platinum Card is perfect for those looking to maximise their Velocity Frequent Flyer Points balance through everyday spend. If you fly a lot with Virgin Australia this Card is the obvious choice as it will earn 2.25 points per dollar on Virgin Australia ticket purchases.

The added benefit of Lounge access to the Virgin Australia domestic Lounges, each time you fly Virgin Australia domestically is also a fantastic benefit.

Members are rewarded each membership year with bonus 50 Status Credits when you spend $25,000 and a further 50 Status Credits when you spend another $25,000 or more using your Card to push you over the line to Silver, Gold or even Platinum Velocity status.

Amex Velocity Platinum complimentary flight

Terms & Conditions

Bonus & Eligibility

To earn up to 100,000 bonus Velocity Points you must apply online by 30 April 2026, be approved, and meet the following criteria - You’ll receive 70,000 bonus Velocity Points when you spend $5,000 or more on eligible purchases on your new Card in the first 3 months from the Card approval date. 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. To receive an additional 30,000 bonus Velocity Points, you need to remain on the American Express Velocity Platinum Card after the first year and spend a minimum of $1 on the Card within 90 days of paying the second year annual Card fee. Please allow 8-10 weeks after the spend criteria has been met and the second year annual Card fee has been paid for the bonus points to be credited to your Account. The additional 30,000 bonus Velocity Points will still be awarded after fee renewal even if you did not meet the $5,000 minimum spend criteria to receive the 70,000 bonus Velocity Points in the first year of membership. This offer is only available to new American Express Card Members. 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. Velocity Points are earned in accordance with the American Express Velocity Cards Points Terms and Conditions available here and are subject to the Terms and Conditions of the Velocity Frequent Flyer program available here. $440 Annual Card Fee applies. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.

General T&C's

*For full details, please refer to the American Express Velocity Platinum Card Benefits Terms and Conditions available here, and the Velocity Frequent Flyer Terms and Conditions available here.

Complimentary Domestic Return Virgin Australia Flight

Complimentary Domestic Return Virgin Australia Flight: The complimentary domestic economy Virgin Australia return flight is only available between selected Australian cities and is available for booking by American Express Velocity Platinum Primary Card Members each year after the anniversary of your Card Membership. All flights are subject to availability and neither Virgin Australia nor American Express guarantees that seats or tickets will be available on the dates or at the times you may wish to fly. Seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. Some flights may not have any seats available for redemption. Route availability is subject to change without notice. All travel is subject to the American Express Velocity Platinum Card Benefits Terms and Conditions available here and travel is subject to Virgin Australia Conditions of Carriage available at Conditionsofcarriage/VirginAustralia.com.

Virgin Australia Lounge Access

Virgin Australia Lounge Access: The American Express Velocity Platinum Card Virgin Australia Lounge Access is subject to the American Express Velocity Platinum Card Benefits Terms and Conditions. The Virgin Australia Lounge Access provides the Primary Card Member with access to Virgin Australia lounges at Australian domestic airports whenever they are flying on a Virgin Australia operated domestic flight on the same day. To qualify for Virgin Australia Lounge Access, your Card Account with American Express must be in good standing. American Express Velocity Platinum Primary Card Members will receive 12 months of lounge access on your Velocity membership. Enrol via your online American Express Account. This is your benefit anniversary date. After enrolling, activate the VA Lounge Access by making an Eligible Transaction on your American Express Velocity Platinum Card. Eligible Transaction does not include annual Card fees, cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. After 12 months, at each subsequent benefit anniversary, make an Eligible Transaction on your Velocity Platinum Card to reactivate the VA Lounge Access. Please allow up to 7 days for the benefit to be processed on to the Primary Card Member’s Velocity membership. The Primary Card Member must provide their Velocity Frequent Flyer membership details to Virgin Australia lounge staff and present same day boarding pass on a Virgin Australia flight. Additional Card Members are not eligible. Virgin Australia lounge access is subject to space availability. Virgin Australia lounge is owned and operated by Virgin Australia Airlines Pty. Ltd. in selected domestic airports in accordance with Virgin Australia lounge Terms and Conditions, available at virginaustralia.com/lounge and as amended from time to time.

Velocity Frequent Flyer Status Credits

Velocity Frequent Flyer Status Credits are subject to the American Express Velocity Platinum Card Benefits Terms and Conditions. 50 Velocity Frequent Flyer Status Credits will be awarded when you spend $25,000 on Eligible Spend within your membership year, and a further 50 Status Credits when you spend another $25,000 on Eligible Spend within the same Membership year. Membership year is defined as commencing upon Card activation and renews on the day of your Card activation each subsequent year. Eligible Spend does not include Card fees and charges, for example annual fees, interest, late or dishonoured payments, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Please allow up to 2 weeks after you meet the minimum spend requirement for the Status Credits to be credited to your Velocity account. In addition to the Status Credits earned with this American Express Velocity Platinum Card offer, to upgrade or maintain membership status, Velocity members must earn a percentage of their Status Credits on eligible Virgin Australia marketed and/or operated flights, flown by the member. To find out more about Status Credits and the amount of Status Credits required to be earned on eligible Virgin Australia marketed and/or operated flights, flown by the member for Velocity membership levels please visit velocityfrequentflyer.com/the-basics/status.

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