Highlights
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Interest free period: up to 44 days on retail purchases
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Online purchase security
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Post purchase protection on purchases
Other Features
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Cash advance rate: 21.49% p.a.
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Interest rate: 19.99% p.a. on purchases
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Minimum spend to earn $100 gift voucher: $10,000
The Platinum Money Back Credit Card is designed to provide you with money back to you as you spend.
Money Back
The money back rates are tiered with a rate of 5% for the first 3 months, moving to 1% on-going.
- 5% for 3 Months: During your first 3 months of spending, you can receive 5% money back on purchases up to your first $6,000 of spending (this will earn you a maximum of $300 cash back).
- 1% Beyond 3 Months: After the first 3 months have passed, or your first $6,000, you will move to a rate of 1% money back - this is unlimited.
Protection & Benefits
Platinum Priority 24/7 Service
Enjoy the benefits of the American Express Platinum services.
Post Purchase Protection with American Express
You are protected if any items are lost, stolen or damaged within 90 days of purchase on your American Express Credit Card.
Online Fraud Protection Guarantee with American Express
You are protected against fraudulent activity online when using this credit card and you won't be held responsible.
Refund Protection from American Express
If you are unable to get a refund on a product within 90 days of purchase on this credit card, you will be covered for a refund through American Express.
The Money Back Program
Money Back
The money back rates are tiered with a rate of 5% for the first 3 months, moving to 1% on-going.
- 5% for 3 Months: During your first 3 months of spending, you can receive 5% money back on purchases up to your first $6,000 of spending (this will earn you a maximum of $300 cash back).
- 1% Beyond 3 Months: After the first 3 months have passed, or your first $6,000, you will move to a rate of 1% money back - this is unlimited.
- As an example, you could earn $1,000 cash back if you spent $100,000 on purchases.
Rewards Value
$10,000 of spending will provide $100 money back to spend on anything and will not be in the form of a gift certificate.
This credit card is subject to the full terms and conditions of the issuer.