Platinum Edge Credit Card card image
Mini meca 2021

American Express Platinum Edge Credit Card

Advertiser disclosure
Purchase rate
20.74% p.a.
Balance transfer rate
No current offer
Annual fees
Interest free days on purchases
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Mozo editorial review American Express Platinum Edge Credit Card - last updated: 21 October 2021

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What's hot
  • $200 travel credit each year
  • Complimentary insurance perks
  • 55 interest-free days
What's not
  • 20.74% p.a. purchase rate
Mozo snapshot

The Platinum Edge credit card from American Express is packed full of platinum features that will appeal to a range of people. From uncapped points earning to complimentary travel perks, the Platinum Edge has plenty that will impress. Plus, you could score $200 worth of travel credit each year which can be used on eligible flights, hotels, car hire or experiences when booked through American Express Travel (T&Cs apply). You can also receive a $200 credit on your card after you spend $200 or more at David Jones within the first 3 months of having your new card (T&Cs apply).

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Key features

Card Members can earn points aplenty with Amex's 3-2-1 system: that's 3 points per dollar at major supermarkets and petrol stations, 2 points per dollar on overseas and online spend and 1 point per dollar for everything else (including utilities, telecommunications, insurance and government spend).

With access to nine different frequent flyer programs, plus merchandise and gift options, the American Express Platinum Edge is truly flexible bling. But the most attractive bonus for team Mozo? The $200 worth of travel credit each year, which can be used at (T&Cs apply). Also for a limited time a $200 credit when you spend $200 or more at David Jones (T&Cs apply). Yes, we'll say it - a credit card company really can be generous.

Plus you'll receive 24-hour service and free additional cards, perfect if you want to enlist your other half to rack up points, too. The American Express Platinum Edge card also comes with complimentary insurances including an extended warranty and purchase protection.

And for new customers who are apply and are approved before 1 February 2022, there is a 50,000 Bonus Membership Rewards Points offer. To earn this, you'll need to spend $1,500 on your new card within the first 3 months.

Who is it good for

Those who want to dip a toe into the platinum credit card lifestyle - and a bit of jetsetting on the side, without having to pay a huge annual fee. If you have the discipline to use your credit card for daily expenses plus your necessary splurges - without going over the edge - the American Express Platinum Edge card makes reward points easy to accumulate.

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Any catches

It's easy to be distracted by all the points and platinum treatment being thrown your way, but the 20.74% p.a. interest rate on purchases will cause some platinum pain if you aren't the type to pay off your monthly bill. Fortunately, you'll have 55 interest-free days to undo any damage you've done along the way.

Rewards program details

Rates and fees information correct as at 21 January 2022. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

Fly Sydney to London return

212,000 points

Fly Sydney to Melbourne one-way


$100 Giftcard

20,000 points

$100 Cash


Points earning

1 point per dollar on Amex, uncapped

Rewards scheme

Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.

Transfer your points to 9 airline programs or book direct with your dedicated travel service or travel agents including Harvey World Travel and Webjet.

Earn 3 points per $1 at major supermarkets and petrol stations, 2 points per $1 on overseas spend, and 1 point per $1 on government, utilities, insurance and telecommunications.

Receive a $200 Travel Credit each year booked online with American Express.

Special offers

Receive a bonus 50,000 Membership Rewards Points when you spend $1,500 in your first 3 months. $200 David Jones credit when you spend $200 at David Jones in the first 3 months. New Card Members only with applications by 1 February 2022.

Value of rewards points

Spend $20,000 (AmEx)

Spend $212,000 (AmEx)



How do we calculate these points?
How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.


Rate and fee details


20.74% p.a.


No current offer


















up to 4


Payment options

Apple Pay, Google Pay, Samsung Pay

Rewards privileges

Travel Insurance,
Extended Warranty,
Purchase Protection,
Account alerts by SMS

Other benefits

Receive $200 to spend on eligible flights, hotels, car hire or experiences each year when booked through American Express Travel. Smartphone Screen Insurance Cover for smartphone screen repairs up to $500.

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