American Express Airpoints Platinum Credit Card

The basics

• Additional cardholders. Add up to 4 additional cardholders for free. The primary cardholder will manage the account and pay the balance in full each month. Points earned by cardholders will all accrue under the primary cardholder's account.
• Digital wallets. Apple Pay, Google Pay, and Samsung Pay are not supported.
• Gambling transactions. Gambling transactions are prohibited with the American Express Airpoints Platinum Credit Card.

Rewards and benefits

• Complimentary travel insurance. The American Express Airpoints Platinum Credit Card offers complimentary domestic and international travel insurance for eligible trips. For the cover to be active, the cardholder must have used the card to purchase their trip in full or in part before departure.
• Concierge services. Comes with access to a 24 / 7 concierge service that can help with things like arranging reservations, giving travel recommendations, finding the best prices for products and services, delivering gifts, and more.
• Insurances. There is no other insurance coverage except for domestic and international travel insurance.
• Rewards points. Earn 0.017 Airpoints Dollars per $1 spent, so to get one Airpoints Dollar, one would have to spend $59. Balance transfers and cash advances do not earn points. Points are earned up to an unlimited annual limit and do not expire as long as the account remains active. Additionally, cardholders can save $255 on the Koru joining fee.
• Sign up bonus. The American Express Airpoints Platinum Credit Card offers a sign up bonus of 300 Airpoints Dollars when you make $1,500 in eligible purchases in the first 90 days after approval.
• Status points. Purchases with the card can earn up to half the Status Points required to reach or maintain Silver or Gold Airpoints tier status. The earn rate is $250 per Status Point.

Rates and fees

• Annual fee. The American Express Airpoints Platinum Credit Card has an annual fee of $195 p.a. This is competitive against other Airpoints credit cards and is largely offset by the sign-up bonus, insurance, and other benefits.
• Balance transfers. This card does not have a balance transfer feature.
• Cash advances. It's 22.95% p.a. on cash advances, with interest accruing from the date of the transaction. A separate one-off fee will be applied too.
• Foreign exchange fee. All purchases made in a foreign currency, either online or overseas, will incur a 2.5% fee.
• Interest-free period. Offers up to 55 days interest-free on all purchases except cash advances, as long as they pay their balance in full or make the minimum required payment.
• Purchases. There is no introductory offer on purchases. The standard ongoing rate on purchases is 22.95% p.a.