AmEx Platinum Card: 225,000 Rewards Points ($5,000 Spend in 3 Months), $1,450 Annual Fee

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AmEx Platinum Card: 225,000 Rewards Points ($5,000 Spend in 3 Months), $1,450 Annual Fee
Go to Deal
sky42856 on 23/07/2025 - 07:52 americanexpress.com (1549 clicks)
Last edited 23/07/2025 - 12:10 by 2 other users

Receive 225,000 Bonus Membership Rewards Points when you apply, are approved and spend $5,000 on your new Card within the first 3 months.

This card delivers many lifestyle and travel benefits, including:

  • a $450 Travel Credit each year
  • complimentary Accor Plus membership valued at $395 p.a.
  • up to $400 back each calendar year until 31 Dec 2024 when you dine at a curated collection of over 1,400 restaurants
  • elite status with major hotel loyalty programs including Marriott Bonvoy, Hilton Honors and others
  • access to the American Express Fine Hotels and Resorts program, which provides complimentary benefits at over 1,300 five-star properties worldwide valued at an average of $800 for a two-night stay
  • earn 2.25 Membership Rewards points per $1 spent on everyday purchases
  • transfer points to 10 airline partners, including both Qantas and Virgin Australia
  • access to over 1,400 airport lounges in more than 140 countries, including Virgin Australia lounges, American Express lounges, Priority Pass, Plaza Premium and more
  • top-notch travel insurance cover
  • The Australian and Wall Street Journal digital subscriptions
  • smartphone screen insurance, with up to $500 available twice a year for screen repairs (with a 10% excess)
  • up to 4 free Additional Cards for family members - they can enjoy some the card benefits in their own right, like elite hotel status, travel insurance, and one Priority Pass membership.

Mod note: This offer was originally described as requiring referral through a mobile phone browser. We have tested the offer extensively and we found the following:

  1. American Express optionally sets a special cookie to offer 225k points to the browser.
  2. This cookie does not depend on referral.
  3. This cookie can be offered to all browsers, not just mobile browsers.
  4. Once the browser stores this cookie, 225k points will be offered to all subsequent visit to the product page.
  5. There is no consistent way to make American Express offer this special cookie. Clearing browser cookie, clearing browser cache, using a Private/Incognito tab, and connecting to American Express through VPN may help.

We have revised this deal post according to our findings.

American Express Referrals

Business Explorer Card: random (2)

Referrer: 40,000 Reward Points

Centurion Personal Charge Card: random (5)

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

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Financial American Express Charge Card Membership Rewards Reward Points Travel Credit

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Comments

  • Far Cough on 23/07/2025 - 08:10
    -8

    Hardly worth it with that annual fee

    • 0FoxGiven on 23/07/2025 - 08:15
      +12

      It's kinda worth it for the first year if you get the sign up bonus points. Points + Travel Credit + Accor free night + Amazon prime membership + 400 dining credit + lounge access pretty much everywhere + regular Amex offers = easily come out on top.

      • DSOTM on 23/07/2025 - 08:45
        +6

        Correct. Most people just don’t get the ROI with card. It’s amazing value. If someone can’t get their $1450 back on this card, they’re not really trying.

        • bluepop on 23/07/2025 - 08:50
          +1

          Agree. The points alone almost cover it. Especially if you were thinking of buying some. It is 112,500 QFF. If they redo the dining credit next year, you will get $400 this year, and another $400 after new years. We take a family of 4 to the lounge, because my partner can get a card also, and both cards can bring a guest. And there is also $450 in Amex travel credit.

          • EarlyBird on 23/07/2025 - 13:56

            @bluepop: Is your partner's card a supplementary card? If so, which level of Priority Pass membership comes with the supplementary card? Thanks

            • bluepop on 23/07/2025 - 15:27
              +1

              @EarlyBird: Yes. He has full Priority Pass. I dont know what level. All the lounges. No meal vouchers at restaurants. You can get 2 supplementary cards, and 1 of those can have Priority Pass. The other can still visit Centurion lounges and Plaza Premium lounges.

            • Saitake12 on 26/07/2025 - 07:05
              +1

              @EarlyBird: Partners get full priority pass like the cardholder. Although only applies to the first sup.

    • Oh Daddy on 23/07/2025 - 08:59
      +7

      This cards not for you if you can't see the worth. Comment like these pop up every single time and it's as oblivious as it gets. We usually get 8-10k worth out of the card in just one year.

      It's a travellers card and prefer to stay at luxury places.

    • NoBargainNoLife on 23/07/2025 - 10:03
      +3

      Simple maths, even if you don’t travel at all, 200points pay $1 of your statement, that’s $1125 back already, if you can wait for the 275000 bonus points that would be $1350. Then you take all the fantastic benefits like others mentioning, free night hotel, $200 domestic dining credit, not to mention free Amazon prime and other perks.

      • Ryven on 23/07/2025 - 17:00
        +1

        This is the information I needed. Most made it sound like a "girl math" reel. Like, "I spent $1450 on the card fee, but that was already spent and then I got a $300 night at a hotel meaning the stay at the hotel was free".

        • BargainBogan99 on 23/07/2025 - 21:10
          +1

          Yep. Not free, just prepaid

        • NoBargainNoLife on 23/07/2025 - 23:46
          +1

          Yes, keep in mind that paying bills with points is the worst way to use them, but at least it pays me back like I mentioned.

          For my real case, I didn't travel much after COVID until early this year, I redeemed an international flight with my family, we used the Priority Pass to access all the lounges during our trip, which allowed us to relax and enjoy free meals before our 8 flights (and even after, like at the Sydney Airport, which has an arrival lounge). We also took advantage of discounted car rentals through the complimentary Hertz membership, then free hotel upgrades, free nights, and more. Best card ever.

          BTW, if you plan just to convert to Qantas points (rate of 2:1), it’s not a great deal. There are plenty of other cards available that only charge a few hundred card fee rather than $1,450 this card charges.

    • jaygee on 23/07/2025 - 10:31
      +3

      I've had this card for 10 years, it is totally worth it if you utilise it properly, along with the features.

      • Chris17 on 23/07/2025 - 11:22

        What the best way to use it? Is there a minimum number of annual overseas trips you aim for?

        • Oh Daddy on 23/07/2025 - 11:53
          +1

          It's a luxury card, I haven't had it since 2018 as well. You need to travel a couple of times, plusbuse everything it has to offer including staying at luxury and ultra lux hotels.

          It's pretty much you have to spend money to get it's full potential.

        • jaygee on 23/07/2025 - 12:04
          +2

          Yea if you don't travel, don't spend money on things (they have loads of decent offers throughout the year), and don't take advantage of things like travel credit, gold hotel status, etc, then no its not for you.

          I take 1-3 International trips a year. I usually wait a few years for my balance to build up and usually convert them to Marriot points for redemptions at Dream destinations (used it for my Honeymoon at St Regis Maldives).

      • BargainBogan99 on 23/07/2025 - 21:11

        Is the louge pass wirth it in syndey? Inthoihht priority pass was just 2 meal vouches in T3.

        • jaygee on 23/07/2025 - 21:43

          You don't get meal vouchers or meal credit with the Amex (which is dumb imo). You do get Virgin lounge access tho and priority pass lounges.

          • Saitake12 on 26/07/2025 - 07:07

            @jaygee: what do you mean you don't? Is it a different priority pass to the prestige?

  • bruceclipse on 23/07/2025 - 08:13

    I'm guessing only for new Amex customers?

    • BargainGeezer on 23/07/2025 - 08:36

      Yes, you can’t have held a personal or business (corporate is okay) Amex in the past 18 months to be eligible.

  • Doesnotcompute on 23/07/2025 - 08:36
    +4

    Dont need referral. Cycling through the page with incognito or different devices yeilds the offer, rotating between 150k and 225k points. Offer expires 9 Sep 2025.. hopefully theres a better offer after this one

    • EarlyBird on 23/07/2025 - 13:04

      By cycling through, do you mean refreshing the New Card Member Offer page on AMEX website ? I've not been able to find the offer.

      • Doesnotcompute on 23/07/2025 - 16:02
        +1

        Just the normal amex landing page that you can find on google.

        Access it a few times, try different devices, try incognito, come back later.. eventurally youll get the 225k offer.

        Checked today, my phone is showing 150k, but my work lappy shows 225k

  • Impulse404Error on 23/07/2025 - 08:38

    Referral box says expired July 15th. Not sure if expired or date needs to be updated?

  • minijumbuk on 23/07/2025 - 08:49

    Does having a supplementary card count as you having had a card?

    • Oh Daddy on 23/07/2025 - 09:00
      +1

      No. Sup can apply and get bonus.

  • jlien on 23/07/2025 - 08:55
    +1

    good but not as good as the 275k offer; hopefully they bring that one back.

      • Ozybargdias on 23/07/2025 - 09:02

        275k was available earlier this year - I got it in April.

      • hawkeye93 on 23/07/2025 - 09:08

        Was 325k, but back in 2023. It keeps getting worse.

      • jlien on 23/07/2025 - 09:20

        I literally got mine in april.

  • jalalii on 23/07/2025 - 08:56

    If you can get the perks to make up the annual fee, it easily becomes an amazing card for points accumulation (not to mention flexibility to exchange for airline miles). Also the cashback offers are great.

  • overule on 23/07/2025 - 09:09
    +1

    Also note that transferring points from Amex to airline partners also decreased. Definitely less and and less value.

    • djkelly69 on 23/07/2025 - 11:05

      Which ones? Only one I am aware of is KF, and that was almost 2 years ago now I think.

      • overule on 23/07/2025 - 11:10

        Yes Sg airline

  • welcomeUniverseWorld on 23/07/2025 - 09:23

    I really do not see how an average Joe like me get benefits out of this after paying such hefty annual fees. Pass

    • Neil2016 on 23/07/2025 - 09:26

      Yeah, it is only good for people who travel regularly.

  • akula on 23/07/2025 - 09:32
    +1

    Any Visa or MasterCard comparable to this ? Citi prestige is getting worse and worse.

  • RTY on 23/07/2025 - 09:42

    Should I bother to apply again? Got rejected twice already probably because I churned other cards

    • sky42856 on 23/07/2025 - 11:10
      +1

      Happened to me, so I got wife to apply and was instantly approved. I churn and she doesn't.

    • Dyl on 27/07/2025 - 18:02

      Apparently it’s a soft finances check first then a hard credit check when submitting, so if it’s failing the hard credit check not worth applying again unless credit score is different / less recent applications / open lines of credit.

      They likely consider more so number of recent applications and amount of unsecured credit rather than the raw score. Having no limit on a line of credit is risky so they need to ensure you don’t look reliant on credit (so minimal recent applications and minimal unsecured credit / other cards)

      • RTY on 27/07/2025 - 22:27

        I’ll probably try again after my IP loan settles in mid Aug. haven’t applied anything since Feb

  • Mokr on 23/07/2025 - 10:33
    -1

    Does the cancel flight within 24 hours hack still work

    • FootooMootoo on 23/07/2025 - 10:59
      +3

      Can you elaborate on this please?

      • Saitake12 on 26/07/2025 - 07:33

        I assume Mokr is trying to abuse the $450 travel credit via a refund within 24 hours.

        • Dyl on 27/07/2025 - 18:01

          Never knew that was a hack, would’ve assumed it reverses the 450

          • Saitake12 on 28/07/2025 - 19:49

            @Dyl: Yes I would assume that too but someone was talking about it on the amex explorer post.

  • ilsan0 on 23/07/2025 - 10:45
    +1

    Got approved on the spot.

    For the ones who have it, could you please give some guidance on how best to get all value?
    Perhaps some examples on how you do it?

    Thanks in advance!

    • ozbargainerlife1 on 23/07/2025 - 10:56

      Whats ur churn history and what limit did you apply? Do you hold any current cc?

      • ilsan0 on 23/07/2025 - 11:26

        Used to churn heaps but stopped everything 2 years ago as lost my job.
        I didnt apply for any limit. I dont know what was approved other than email and text saying it was
        I hold Kogan CC - $10k

        I thought it would be declined on the spot, was very surprised tbh!

        • deepfriedchips on 23/07/2025 - 12:25

          It's a charge card, so therefore no limit per se. The total balance must be paid in full every month.

      • Saitake12 on 26/07/2025 - 07:10

        Whats your churn history? Are you being rejected for it? I notice you comment the same thing to anyone who has gotten an amex approved xD

    • SeaWolf au on 23/07/2025 - 13:12
      +3

      I'd start by having a look at this page, which lists all the various benefits:
      https://www.americanexpress.com/en-au/credit-cards/membershi…
      There's also a link there to Online Benefits Manager, which then requires you to log in. That has a list of various other membership benefits that you need to activate or enroll for, like Priority Pass and Accor Plus. Go through those and activate as many as you can, you never know when some of them will come in handy.

      With Accor Plus, I've found that to be very valuable, which surprised me. It comes with a free hotel night, but also the dining discount is great if you're eating out even if you aren't traveling. They often have members discounts on hotel bookings too, which have often worked out well for me.

      One other useful tip, go to the Amex Statement Offers on OzBargain and hit the Subscribe button.
      https://www.ozbargain.com.au/deals/network.americanexpress.c…
      You never know when something useful is going to pop up as a statement credit for something you were going to buy anyway.

      • ilsan0 on 23/07/2025 - 14:18

        Thanks mate!

      • Dyl on 27/07/2025 - 18:00

        The free hotel night works at Sofitel and can at times be worth $300-400+

    • EarlyBird on 26/07/2025 - 17:37

      What kind of financial info do they ask in the application form? Did you have to submit any documents?

      • Dyl on 27/07/2025 - 18:00
        +1

        It mentions payslips on the page prior to applying

  • vetopower on 23/07/2025 - 11:24
    +1

    Waiting for 275K

  • Boomer85 on 23/07/2025 - 12:42

    Great card! Not to mention primary and addition card holders can use Airport Lounge too. Also 2 Priority pass membership. Works well with Sniip to pay personal bill(you also get Qantas points too when payingwith sniip). 1.2% surcharge. Ok Amex offers too. Seems not as good as Yello.
    I am 2nd year holder banked 1 mil points planning to use for business class to overseas.

    • ninnypoop on 23/07/2025 - 22:07

      In 2 years you managed to earn 1mil points?

    • Dyl on 27/07/2025 - 17:57

      I assume hefty business expenses going through it for that many points??

      You could potentially claim the annual fee as a tax deduction if it’s business expenses lol

  • CDG on 23/07/2025 - 12:58

    do they have credit check/ income check?

    • ilsan0 on 23/07/2025 - 13:09

      None for me

    • Oh Daddy on 23/07/2025 - 13:57
      +1

      Yes, amex has a very sophisticated system, they won't ask for any paperwork but pull your file.

    • Saitake12 on 26/07/2025 - 07:34
      +1

      yes they have two checks in the application. First is a soft check after financial details entered then a hard check when you actually apply.

      • Dyl on 27/07/2025 - 17:57

        Any clue what kind of financials are required for this?

        • Saitake12 on 27/07/2025 - 19:00

          Probs 75-100k income would be my guess, they don't actually say anymore but I think it was 100k a while back when they did show it.

  • db2k on 23/07/2025 - 15:44

    Do you see 225k points offer? I see the following from a mobile

    Receive 150,000 Bonus Membership Rewards® Points
    when you apply online by 9 September 2025, are approved and spend $5,000 on eligible purchases on your new American Express® Platinum Card within the first 3 months. T&Cs apply. New American Express Card Members only.

  • dbglt on 23/07/2025 - 16:45
    +1

    Worth waiting for a better offer? Eg if 275k is going to be repeated. 18 months between closure and points make me cautious.

  • welcomeUniverseWorld on 23/07/2025 - 20:57

    What does 225,000 Rewards Points in AUD equivalent? Can you buy gift cards with that

    • welcomeUniverseWorld on 23/07/2025 - 21:03

      Here is my calculation:

      225,000 Rewards Points = 900 AUD of Amazon gift card. I can use that.
      Annual fee of $1,450.
      I am short by $550.

      There is $450 Travel Credit each year + complimentary Accor Plus membership + Amazon Prime + etc. None of these enticing me. I pass. Just doing my own calc

      • Free Fall on 23/07/2025 - 23:21
        +2

        If you select the Digital version of Amazon GC, points are worth $1125.

    • Saitake12 on 26/07/2025 - 07:13

      No need to buy a gift card, you will probably just get a better rate converting the points straight into statement credits.
      1pt = 0.5c.

  • Saitake12 on 26/07/2025 - 07:26

    I am pretty happy with this card, even as someone who doesn't travel a huge amount, usually just once overseas and then a few times for work domestically.

    Ignoring the pts completely, I calculated the following value:

    • Accor = ~$400 when you include both the free night stay ($200 or more depending on where you go) with the 50% off dining (don't need to be staying to get the value)
    • Amex travel credits = ~$400 or so, might even consider it $450 when you are just booking hotels.
    • Amazon Prime $79 for a year
    • Dining Credits $200 - I can use the domestic credits easily but the overseas ones are a bit of a hit or a miss
    • Amex offers - $100 kinda depends on what is on offer but not too hard to get an extra $100 or so here over the year
    • Phone insurance - I valued this at $50
    • Airline lounge - combining the domestic and international this is probably about $100-200 for me as I can use it on work trips as well (no Qantas club)
    • Roadside - This was one I didn't think about initially but its actually nice as it covers both cars (note only cars under 8 years old) - $240

    Other things I kinda find it hard to value but I suppose are there are the upgrades you get on hotels (like I don't really value late check out even if amex thinks that's worth $100 USD or whatever for example).

    If you add on the pts earn through the year that might be another $500 in statement credits or more/less when converting to airline pts.

    • Dyl on 27/07/2025 - 17:54

      The lounge access is likely worth more than that if you fly a lot economy, some of the lounges it provides access to are usually US$59/visit

      Still a hefty amount, especially if you fail to utilise all the benefits.

      Also Accor plus is around $200-250 via other countries when on sale, from memory $349 retail, so you can use those values for it rather than the value of having membership

  • Dyl on 27/07/2025 - 17:52

    Decent benefits, anyone know what kind of income they require for approval?

  • EarlyBird on 27/07/2025 - 23:45

    I've found the offer on my laptop browser.
    If anyone has the same offer in their referrer and is happy to split their referrer bonus, please PM me

    • Saitake12 on 28/07/2025 - 19:51

      Can you actually transfer MR points like that?

      • EarlyBird on 29/07/2025 - 09:45

        Yes, split the bonus point on a previous application

  • pulpfiction on 03/08/2025 - 20:19

    So does this work at all for referrals? It appears to me that it is only via a the public link.

  • turkz1 on 11/09/2025 - 10:34

    Bit surprised to get a rejection for this one. First rejection. Seems that are cracking down hard on churners.

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