Membership Rewards · Credit card
American Express® Platinum Reserve Credit Card
$395annual fee
2.25 Membership Rewards pts per $ · 23.99% p.a. purchases · up to 55 interest-free days
103rd of 113 cards
- Annual fee
- $395
- Rewards program
- Membership Rewards
- Purchase rate
- 23.99% p.a.
- Airport lounges
- International
- Minimum credit limit
- $3,000
- Additional cardholder
- Free
- Annual fee
- $395
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Late payment fee
- $30
- Rewards program
- Membership Rewards
- Base earn rate
- 2.25 Membership Rewards pts per $
- Government spend
- 1 pts per $
- Purchase rate
- 23.99% p.a.
- Interest-free days
- Up to 55
- Airport lounges
- International
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
- Concierge
- No
- Network
- Amex
- Minimum credit limit
- $3,000
- American Express® Platinum Reserve Credit Card
No changes recorded for this product since tracking began on 13 September 2026.
The American Express Platinum Reserve Credit Card is the ideal companion to your Charge Card, giving you the flexibility of a Credit Card, complimentary Travel Insurance and Membership Rewards points.
Also from American Express: Qantas American Express Ultimate Card $510 net · American Express Velocity Escape Plus Card $65 net · American Express Platinum Card $50 net · American Express Essential Rewards Credit Card $42 net · American Express Explorer Credit Card −$20 net · American Express Velocity Platinum Card −$40 net · Qantas American Express Premium Card −$89 net · Qantas American Express Discovery Card no annual fee · Low Rate Credit Card from American Express no annual fee · American Express Platinum Edge Credit Card $195 fee, $0 in year 1
A $395 annual fee and a 23.99% p.a. purchase rate as of 2 November 2026. The fee ranks 103rd lowest of 113 cards tracked by BankMate. There is no sign-up bonus on offer. From the provider's Consumer Data Right feed, refreshed nightly.