This was posted 1 year 3 months 27 days ago, and might be an out-dated deal.

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AmEx Platinum Card: 325,000 Bonus Points (Spend $5000 in 3 Months), $450 Travel Credit, $400 Dining Credit, $1450 Annual Fee

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AmEx Platinum Card: 325,000 Bonus Points (Spend $5000 in 3 Months), $450 Travel Credit, $400 Dining Credit, $1450 Annual Fee
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starcub on 12/01/2023 - 18:48 americanexpress.com (17586 clicks)
Last edited 19/01/2023 - 09:53 by 4 other users

This card is not for everyone but with 325,000 Bonus Points seems like a good deal.

The bonus points are so random on the website. It showed 325,000 for me when I first visited it, refreshed the page showed 275,000, refreshed again showed 150,000 and stayed at 150,000. Changed browser, showed 325,000 again. Here's a screenshot https://imgur.com/a/zs7NJIQ

Benefits include:
$450 Travel Credit each year
$400 Global Dining Credit
Access to 1400+ Airport Lounges
Complimentary Accor Plus membership valued at $399 (one free night)
etc

Update: According to comments, the deal is now only available through using a referral link. Please use one from the random referral link generator in the grey box below.

Referral Links

Business Explorer Card: random (5)

Referrer: 40,000 Reward Points

Centurion Personal Charge Card: random (7)

Referee gets 200,000 MR points. Referrer gets 150,000 MR points.

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closed Comments

    • Yingjunl88 on 13/01/2023 - 06:14

      Email came through and it needs review.

  • tunzafun001 on 13/01/2023 - 00:48
    -1

    Full value of the travel Credit is basically for Virgin only (and they only have Choice fares with checked bags, ie AMEX dont offer no bag Light fares). So you will never get an entry level flight as cheap as Virgin, but you will get the with bags price.

    We have been making hotel and Jetstar / Qantas bookings.

    Called Amex several times, and they cant get close to the pricing when booking any Airline other than Virgin direct, and not even close to booking hotels direct (or booking.com etc for that matter).
    Looking at QLD hotels, and Amex was on average 25% more expensive. I have a $200 travel credit, but the cost was over $200 more for 4 night (and the hotel direct throws in a $50 food beverage voucher).

    In summary, the travel credit value is really only at full value if used for Virgin checked bag airfares.

    • Trance N Dance on 13/01/2023 - 00:55
      +1

      Amex have been within dollars for domestic airfare bookings across VA/ZL/QF/JQ for me. A lot of the time they're even cheaper than VA direct due to the International Airlines Program that the Platinum Card has access to.

    • abs898 on 13/01/2023 - 01:11
      +2

      It's a hit and miss. I got Singapore air tickets cheaper than other agents.

      Their cheap allocation runs out pretty quick.

    • mickmac on 13/01/2023 - 02:15

      You can use it for car hire too.

      • tunzafun001 on 13/01/2023 - 10:39

        Only if pickup and return locations are the same.

  • qtmai on 13/01/2023 - 01:09
    +2

    Remember the concierge service on this card is great!

    Why research and book restaurants when you can call them and get the concierge service to make a list for you and book it all for you!

    The insurances on this card is worth it also!

    • Trance N Dance on 13/01/2023 - 08:23

      The concierge service in Australia has gone to craps. They used to hold relationships with high end restaurants and hold last minute tables, but ever since they had an overhaul they've stopped that. Came in a few months before they started offering the split dinning credits.

      As for event tickets, they're worse than what I can do myself online via the official ticket seller….

  • nadesico123 on 13/01/2023 - 01:23

    I have AMEX Qantas card… so it doesn't seem I qualify for the card offer T_T

  • WhoaMMii on 13/01/2023 - 02:16
    +1

    Are there changes of being approved on 90k salary?

    • BargainGain on 13/01/2023 - 08:01
      +1

      That's a good question. I'd ring and ask.

      • BargainGain on 13/01/2023 - 08:01
        +3

        And then post back here.

  • Yingjunl88 on 13/01/2023 - 06:46

    Is PP still offered?

    • UrMumsOnlyFan on 13/01/2023 - 07:38

      Access over 1,400 Airport Lounges worldwide

      You'll have access to over 1,400 airport lounges in over 650 airports across 140 countries and counting7, thanks to The American Express Global Lounge CollectionTM. Platinum Primary Card Membership includes access to The Centurion® Lounge, Escape Lounges - The Centurion® Studio Partner, Priority PassTM Lounges, Plaza Premium Lounges, Delta Sky Club® Lounges (when flying Delta) and Virgin Australia Domestic Lounges (when flying Virgin Australia).

    • jakxon on 13/01/2023 - 08:30

      Yeah, but be mindful the AMEX's version of PP is not the entire PP network. e.g. no airport restaurants

      • FatTofu on 13/01/2023 - 12:51

        Does PP membership mean unlimited visits or is there a limit of say only 2 visits per year? Imagine someone flying every week.

        • jakxon on 13/01/2023 - 17:42

          Yes, the AMEX PP membership has unlimited visits. You just can't use it at "restaurants" that are part of PP.

  • k3nnis on 13/01/2023 - 06:52

    Has anyone who have a plat edge applied for a plat and get the bonus points in the past?

    Edge is a credit card while platinum is a charge.

    I have an edge at the moment.

  • alex123711 on 13/01/2023 - 07:12

    Is this worth it? $1500 fee for how much in $ terms innreturn?

    • jakxon on 13/01/2023 - 08:34

      littlesoldier posted this on page 2:

      • the dinning credits in selected restaurants are $200 Australia + $200 global

      • dinning credits are per calendar year, so potentially you could get $800 in 2023 and 2024 January before your card annual renewal if you apply today

      • Accor plus membership cost $399 alone which you could redeem 1 night stay in Accor group hotel including Sofitel darling harbour which can worth over $600, also >50% dinning total bill discount in Accor hotel restaurants (when dine in for 2 people or 2 adults + kids when they order kids meals)

      • primary card + all additional cards can each being 2 guests to Amex centurion airport lounge, so potentially can bring 12 people to lounges (1 primary card + 3 >additional cards)

      • primary card + 1 additional card can apply for unlimited entries priority pass (exclude food and beverages credits), just the priority pass worth $300 each

      • whyisave on 13/01/2023 - 14:59

        you could get $800 in 2023 and 2024 January

        Something similar happened to me, where I would cancel my card
        after receiving the 2nd-year of credits, and before the Annual Fee,
        but for the '2nd year offers', AMEX would need to deduct the 2nd-year annual fee.

    • Maestrok on 13/01/2023 - 12:40

      I think the bonus alone (325k points) if you get it (still got conditions to meet) technically covers the annual fee. So am certain it's worth it for the first year at least - second year onwards will depend on your usage of the perks.

      • alex123711 on 13/01/2023 - 19:47

        so that covers it, but whats the rest worth?

  • jakxon on 13/01/2023 - 08:33
    +1

    Please click on the AMEX Platinum referral links (above) and apply to support our Ozbargain community! Thank you!

    • wordsmith on 13/01/2023 - 12:06

      I do not see a referral link for this Platinum card, what's the way to benefit another OzB member and myself, do I have to select another platinum card and then apply for this one?

      • jakxon on 13/01/2023 - 17:45
        +1

        https://www.ozbargain.com.au/api/referral/110/381239

        (Link above provides the referral link generator)

        Platinum Card: random (97)
        Referrer: 60,000 Reward Points
        Referee: 90,000 Reward Points with $3,000 spend in 3 months + $450 Travel Credit yearly (not updated, please make sure when you click on the link that you get 325k points and it is the Platinum Charge card with the right specs)

        Some Ozbargainers are a bit dodgy and include their Explorer card or other cards in the Platinum Charge referral link generator… :(

  • modify on 13/01/2023 - 08:33
    +2

    As a card holder who maximises the benefits of this card, my advice is do not get this card if you don’t frequently travel overseas. Otherwise you won’t find value by way of offsetting the annual fee.

    • eltito on 13/01/2023 - 12:46

      What would you deem as "frequently travel overseas"?

      Last year I did one Europe trip (however it was 4 weeks, so a decent chunk IMO), and this year I'm looking at doing something similar. I know once a year isn't considered "frequent", but doing a 4 week trip in Europe (so at least 2-3 destinations) can be considered worth?

    • qazwsx on 14/01/2023 - 01:56

      Hmm even if you travel once a year but you hop around a bit could make it worth it. Value prop def used to be easier though (professional discount & Reserve credit)

      • Nuggets on 16/01/2023 - 11:11

        Reserve credit being what exactly?

  • jasopan on 13/01/2023 - 09:06
    +1

    Without calling (I will get to it over the weekend), is there anyway to check whether I am actually eligible for the points/offer? I rushed in without reading everything, applied, then got approved (email also received). I still have an Amex Explorer Credit card (the one with no annual fee). However, I did see someone mentioned that as this is a charge card, you may still be eligible for this despite having a credit card.

    • ridical on 13/01/2023 - 09:42

      I gave a call this morning, as i have the Explorer travel card but it was a straight no you either need to be a new AMEX member or out of their system if you held a previous product for 18 months. i actually rang to see if there was anything they could do for being a existing customer (since 2017) but nothing for loyalty either, just got told i need to wait and see what promotional offers may come up in the year for existing members. i got 200k points but not sure what to do with them if i transfer them to KF i got 3 years to use them but i need to get more points..

    • jonnoyeo on 13/01/2023 - 10:58

      If you still have the app, and have access to it - you can send them a message on the app and they'll let you know instantly

  • first in line on 13/01/2023 - 09:33
    +1

    Does anyone know when this offer expires?

    • SilentX on 13/01/2023 - 09:58

      "325,000 Bonus Membership Rewards® Points is only available to new American Express® Card Members who apply online by 31 December 2023"

    • vetopower on 13/01/2023 - 09:58

      T&Cs say 31 December 2023.

      • FatTofu on 15/01/2023 - 16:02

        That is a very long time before expiry. Wonder if there would different Amex deals come up in between now and then

  • ridical on 13/01/2023 - 09:43

    Does anyone know when the annual fee $1450 is charged? is it within the first statement month?

  • whyisave on 13/01/2023 - 09:46

    if comparing AMEX Platinum with Explorer card,
    the points earn rate and the travel credit offered is quite similar,
    except 1 card has $1,450 annual fee, and the other is $395

    Use the card comparison tool to see
    (hope this link works)
    https://www.americanexpress.com/au/credit-cards/the-platinum…

    • fry888chip on 13/01/2023 - 09:48
      +1

      Points earning is also different - $1 spent for 1.125 airline point for Platinum vs $1 for 1 airline point for Explorer

      • whyisave on 13/01/2023 - 09:52

        Yeah,..that's why i was saying "similar", ha…
        …because at 3 x annual fee,
        we just got to decide if that extra $1000 in annual fees
        can justify the spending rate of collecting airline points
        (which also devalue over the period of accumulating the points).

        The good thing is, only for 'new members',
        with all the travel / hotel credits offered,
        and with discipline, you can take advantage of them…
        otherwise, those credit can be hard to redeem too

    • abs898 on 13/01/2023 - 12:26

      There are different benefits. I have explorer ATM, but getting my partner to get the platinum now

  • Mrgreenz on 13/01/2023 - 10:25

    How come the offer shows up even when logged into an existing current account? Showing me the max points.

    Got a edge, but tempted to cancel to take advantage of an an offer like this in 18 months or so

    • zdb97 on 13/01/2023 - 11:13

      Point is, after 18 months you might not get a good bonus point offer like this at the time. Which means you probably have to wait for a unknown additional peirod.

  • jackking on 13/01/2023 - 10:47

    Great find. If they offer >200k for next yr or reduce AF, might be a keeper

    • abs898 on 13/01/2023 - 12:24

      Deals valid until 31 Dec 2023 from terms

      • jackking on 13/01/2023 - 12:36

        I meant if we get the card now and instead of churning, AMEX offers ~200k in points to keep you next yr.

        • gotcha on 15/01/2023 - 10:40

          you will be lucky to get even 50k to keep the card, not luck for me for the last couple of years when asking for retention

          • jackking on 15/01/2023 - 16:18

            @gotcha: Thanks for letting me know. Did you keep the card for almost full yr (cancel 1 month before) or when to finished using the benefits? The 18m wait is a bit annoying if going for platinum again

            • gotcha on 15/01/2023 - 17:01

              @jackking: I waited till end of annual fee was due.
              Anyways I would not be churning Amex cards since I do not want to lose my grandfathered Plat Reserve card which gives me $400 travel credit every year.

  • Blackadda on 13/01/2023 - 10:49

    Only a $1,450 annual fee you say?

    • Maestrok on 13/01/2023 - 12:50
      +1

      I find the good thing about Amex fees is they generally try to offset the fee by the perks provided. Now that doesn't mean the perks are good value - each to their own on that one…but at least they're showing that they're trying to provide the value of the annual fee back.

      E.g. Trying to maintain (any) status with that many hotel programs can be difficult - most people can only do 1 program at best a year. So some may find value in having that. I wish they could do the same with airline status haha!

  • HiFiGearOnline on 13/01/2023 - 10:50

    Can someone tell me if this CC comes with a digital copy (Apple Pay) version once approved so I can start spending quickly? or do I have to wait for the physical card to be delivered. Do any of the qantas CC's come with an Apple Pay version straight up?

    • nexus4 on 13/01/2023 - 11:23

      You need to wait until you get the card before you can set up Apple Pay

    • DustyAfternoon on 13/01/2023 - 11:47
      +1

      Westpac Qantas gives an immediate Apple Pay card to spend with.

      • abs898 on 13/01/2023 - 12:23
        +2

        Good on them

  • illiterate on 13/01/2023 - 11:22

    Does anyone know if I can pay off my zippay with an amex with no extra fees? I've been sitting on a 2K charge on my zippay as I've been waiting for another card to churn lol

    • nikftw on 13/01/2023 - 11:57

      Also keen to know this, have some PC parts to buy!

      • nikftw on 13/01/2023 - 15:53

        Apologies, this was supposed to be on the comment above

    • abs898 on 13/01/2023 - 12:23
      +1

      I was able to use amex on Aftwrpay

  • nikftw on 13/01/2023 - 12:05

    How do referrals work? Is it 325,000 + 90,000 + 2x$450 travel credit? Or is 325,000 the max?

    Referral info below:

    Platinum Card:
    Referrer: 60,000 Reward Points
    Referee: 90,000 Reward Points with with $3,000 spend in 3 months + $450 Travel Credit yearly

    • greenie on 13/01/2023 - 12:12

      If you apply using this referral it means you're only getting 90k points, not 325k. It's best to apply using the link OP provided.

    • me1stt on 13/01/2023 - 12:15
      +1

      They haven’t updated the referral info for a while I believe.

      Just go through several referrals and some have the 325k points offer.

      • abs898 on 13/01/2023 - 12:22

        It depends on the referrers level of card. Only planonum card refered will get the max deal

      • nikftw on 13/01/2023 - 16:48

        So regardless of whether I go through a referral or not I just get 325k points?

  • Russ on 13/01/2023 - 12:31

    Does adding your Amex to PayPal still work for avoiding any Amex surcharges? (I know some bills have a surcharge for PayPal, but AFAIK it's lower than their Amex surcharge).

    Has anyone had a purchase (Amex through PayPal) refused because it was going to Amex?

    • Maestrok on 13/01/2023 - 12:53
      +1

      I have in the past, as in I've gone through to PayPal payment to see Amex is not a payment option. So if you can select it then you should be fine. I don't think you'd see a case where you could pick the card then later payment refused because it's Amex

      but…I haven't had an Amex for at least 18 months so can't say what's happening now.

      • Russ on 13/01/2023 - 13:06

        I've gone through to PayPal payment to see Amex is not a payment option

        So you had the Amex already in your account as a payment source, along with other payment sources, and only the Amex one was unusable?

        Or were you using PayPal without logging in, to hide your Amex card details from the website you were purchasing from?

        • Maestrok on 13/01/2023 - 22:29
          +1

          yes i had my amex already in my account and couldn't pick it.

          • Russ on 13/01/2023 - 22:31

            @Maestrok: That's the info I am after. It doesn't always work.

            Thanks!

    • Trance N Dance on 13/01/2023 - 13:25
      +1

      As long as the merchant hasn't placed a restriction on Amex cards with PayPal, yes it's possible to avoid Amex surcharges by going via PayPal. I do this with my utilities.

      • Russ on 13/01/2023 - 22:29

        Thanks, that gives me info I am looking for. Amex through PayPal can fail, if the merchant sets that restriction with PayPal.

        I've been looking through the many ways to use Amex that are documented here on Ozbargain. There's also paying bPay bills through Amex, using Sniip as the intermediary. Now I'm trying to figure out if the Sniip surcharge costs more than the points earn is worth.

  • npnp on 13/01/2023 - 12:53

    I don't want to use credit cards unless I must, hence would like to have one just for the sake of benefits. Obviously I have to do $5000 payments from this in 3 months which I could do (as I'm travelling overseas soon, but after that it'll be just left as is). Do you think that'll be worth it? Especially when you consider all the other issues associated with AMEX cards (not many merchants are accepting Amex, even if they do, they would charge a percentage on top etc..) I understand the value calc when converting points etc but when you consider a case of someone like myself who would be incurred with Amex related additional fees say worth of $200, that profit is already gone after all the hassles. Isn't that true? Or am I missing something here?

    • Maestrok on 13/01/2023 - 13:02
      +1

      it's not a credit card.

      Re. worth it….it mostly depends on your use of the perks (what you value) - e.g. if you're planning a decent amount of travel and mostly staying in hotels then I would argue the perks are probably going to be worth it.

      Personally, if you're thinking re. profit just in dollar value then this sort of card is probably not for you (as mentioned throughout the thread there are probably a lot of other cards with lower fees that can provide a better points/dollar value).

      In saying all that, I wouldn't think there'd be anything wrong with you getting the card, using all its benefits for your travel, then cancelling it after? I'm not aware of any issues with not keeping the card.

      • npnp on 13/01/2023 - 13:20

        I understand people wanting to stay in good hotels and fly in business class etc but I would rather stay in a budget place and fly in economy and use that saving to go to another country instead. In my case scenario, these hotel perks probably won't mean much will it? If you're searching in booking.com and pick the cheapest hotel out there with some reasonable ratings of course, the chances of that hotel offering Amex perks would be next to nil😛

        • Trance N Dance on 13/01/2023 - 13:28
          +1

          Depends, the free hotel status can be handy. I'm like you in that I'm more than happy to pay for cheaper hotels when travelling as it's just a place to rest to be able to spend on more travel or finer dinning. The Amex Plat Card comes with Accor Plus that has good discounted rates (30-50%) off places like Mercure, Novotel, Ibis/Ibis Styles. Between the discounts and points earn pricing comes out around the same as cheap independents.

          • npnp on 13/01/2023 - 13:30

            @Trance N Dance: Great. Thanks for your input, so they also cover budget places it seems.. Good to know. I will apply in this case. Cheers

        • greenie on 13/01/2023 - 13:29

          It doesn't sound like this card is suitable for you then. Maybe consider a credit card with no foreign transaction fees so you can use it during your travel overseas?

          • npnp on 13/01/2023 - 13:32

            @greenie: I already have one but never use it in day today expenses (except for pre-travel expenses like flights and accommodation) I only use my debit card for expenses (so I'm on top of my expenses). I am leaning towards getting this card now seeing benefits are for budget travelers as well

            • abs898 on 13/01/2023 - 13:40

              @npnp: I agree with geenies comment, doesn't sound like this is the card for you.

              This is for someone who runs all their expenses via this card to make the yearly fees worth it and use all the benefits.

              • Trance N Dance on 13/01/2023 - 19:09

                @abs898: I don't have any expenses to run through the card but more than make up the annual fee each year in travel benefits. Last year alone I saved like $500 in hotel costs from Accor Plus alone.

            • kipps on 13/01/2023 - 16:09

              @npnp:

              I only use my debit card for expenses (so I'm on top of my expenses).

              You can bPay AMEX as often as you want and keep the balance to $nil, effectively only using the charge card for points and keep on top of expenses.

              • npnp on 13/01/2023 - 16:32

                @kipps: That I can do (if all the merchants out there take AMEX cards without any fees or charges on-top).

              • Trance N Dance on 13/01/2023 - 19:10

                @kipps: But why? You're losing out on interest if you stick that money into a savings account instead. Sure it might not be much but it's better than paying the card off right away as you use it.

                • kipps on 13/01/2023 - 20:04

                  @Trance N Dance: There’s studies confirming that people are more likely to spend on a credit card than if they use their own money. worked for me. I’m keeping my charge card. The interest on even a balance of $7,000 per month at 4% is at most $23/month (likely halved given payment cycles). I saved a lot more than this.

  • wordsmith on 13/01/2023 - 14:12
    +1

    How many cards on an average do the other Ozbargainer applicants have while applying for this card?

    • abs898 on 13/01/2023 - 16:06
      +2

      I have 3 and a mortgage

  • eltito on 13/01/2023 - 14:30
    +1

    I haven't had a credit card in a very long time, does anyone know if it's possible to do a joint application? Pros/Cons?

    Also, if a joint application is possible, can the $450 travel credit be doubled, one for myself and one for the partner? I highly doubt this, but worth a ask.

    • greenie on 13/01/2023 - 15:22

      You can't do a joint application.

    • abs898 on 13/01/2023 - 16:07

      No joint with amex.

    • 0FoxGiven on 13/01/2023 - 22:54
      +1

      This is not a credit card. Also, supposedly does not affect the credit score adversely in terms or borrowing capacity for a home loan

  • hawkeye93 on 13/01/2023 - 15:29
    +2

    Of course if you don’t really care about the other perks then this deal seems worse than the Citi Prestige one ($350 fee 1st year, getting 120k KrisFlyer miles).

    With 162.5k KF miles from this Amex deal, you can have 2 return business class tickets to some countries (e.g. Perth to Singapore/Vietnam). That’s around AUD$6000 if pay by cash. Return eco class ticket is already $600-$700 per pax so to me it’s pretty good.

    • Ievgen on 13/01/2023 - 18:30

      Thanks for sharing mate. Looks like a tempting option. If I were to choose between these two offers I’d probably go for Citi one. Will consider applying.

      • hawkeye93 on 13/01/2023 - 19:05
        +1

        For sure. I’m currently having that Citi and it’s great especially for 1 airport transfer trip, and Priority pass membership. I’ll also apply for this Amex as well to get more points.

        • Ievgen on 13/01/2023 - 21:01

          Just applied for Citi Prestige. Will see how it goes.

          • Edgecrusher on 13/01/2023 - 22:04
            +1

            @Ievgen: I’m leaning towards same. Given I have a family of 5 having meal options is probably better than lounge.

        • ol mate on 17/01/2023 - 10:27

          The Citi Priority Pass also includes restaurant partner credits (which Amex don't).

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