American Express Platinum Card

	Key Features:
	No Preset Spending Limit - giving you the flexibility to spend as much as you can afford to repay each month4 Travel expertise and preferential treatment - Platinum Travel can take care of all your travel arrangements Complimentary Platinum Credit Card with a suite of benefits, including a free Qantas domestic economy return flight or a nights stay at a hotel every year5 Online Fraud Protection Guarantee means you won't be held responsible for any unauthorised charges online6 A Portfolio of Cards at no extra cost - including four supplementary Cards and an additional Card to help you separate personal and professional expenses Enjoy 24/7 online account access Annual Credit Card Fee $900

	Credit Card Application Criteria:
	You must be at least 18 years of age You must have a Good Credit History You must be a Permanent Resident or Australian Citizen You must earn a Minimum Income of $100,000 a year or more

Terms and Conditions
1. There is typically no cost for Platinum Concierge, although you are responsible for any purchase and/or shipping charges you authorise. Fees may apply for meetings and event planning.
2. Subject to the Terms and Conditions of the Membership Rewards program. Every $1 spent on your Card earns up to 1.5 Membership Rewards points up to $200,000 each year - reverting to one point for every dollar thereafter.
3. American Express Card Insurances are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE) and are subject to the terms, conditions and exclusions contained in the American Express Card insurances policy of insurance between American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313) (American Express) and ACE. This brochure does not take into account your objectives, financial situation or needs. It is important for you to read the Terms and Conditions available upon request and consider the appropriateness of that insurance in relation to your individual requirements.
4. No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit records, and financial resources known to us
5. Terms and Conditions apply. All flights are subject to availability and neither American Express nor Qantas guarantee that seats or tickets will be available on the dates or at the times you may wish to fly. Seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. Some flights may not have any seats available for redemption. Route availability is subject to change without notice. All travel is subject to the American Express Flight Offer Conditions, Qantas Fare Conditions and Qantas Conditions of Carriage. No Qantas Frequent Flyer points will be awarded for travel on these flights. Hotel night stay is subject to availability and in some instances blackout dates may apply.
6. Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.