Earn Cashback on your everyday spend
Your Platinum Moneyback Credit Card gives you money back when you spend, with up to 1% Cashback*. See more of your benefits here.
Earn Cashback to your heart’s content. There’s no cap on the amount of Cashback you can earn, as long as your Account is current and in good standing. So, it makes sense to use your Card everywhere you can.
You’ll earn:
- 1% Cashback per $1 spent on all purchases.
See where you can earn Cashback
How do I earn Cashback?
You will earn Cashback at the rate of 1% per $1 spent on purchases on your Account.
Cashback is earned on every purchase of at least $1.00. The value of each purchase will be rounded down to the nearest dollar before Cashback is calculated. For example, if you make a purchase of $25.90 and Cashback is earned at the rate of 1% (1% of $25.00), then $0.25 Cashback will be earned.
This happens automatically and the rebate will be credited on your monthly statement at the end of each statement period.
Cashback rebates are not earned on foreign currency transactions, cash advances, balance transfers, interest, annual fees or other fees and charges applied to your account.
What do I need to do to receive my Cashback rebate?
Nothing! Your Cashback rebate will automatically be credited on your monthly statement at the end of each statement period, so you don't need to do anything.
Can I choose when I receive my Cashback rebate?
No, it will be automatically credited to your monthly statement at the end of each statement period.
Do the Additional Cards on my Account also earn Cashback?
Yes, all purchases made on the Additional Cards on your Account will also earn 1% Cashback per $1 spent on purchases.
If I do a Balance Transfer, do I earn a Cashback rebate on this?
No, balance transfers are not eligible to receive a Cashback rebate.
Why is my Cashback a few cents out?
If you’ve just received your statement and the Cashback you have earned is not exactly 1% of your spend, here’s why:
Cashback is calculated on each individual purchase and is awarded on whole dollars only. The value of each purchase will be rounded down to the nearest dollar before Cashback is calculated. For example, if you have made a purchase for $59.75, you will earn Cashback on $59.
Share the benefits of your American Express Platinum Moneyback Credit Card with Additional Cards2 for family and friends, and the Cashback they earn when they use their Card will be credited to your Account. You can add up to 4 Additional Cards for no extra fee.
1. Subject to the Terms and Conditions of the American Express Platinum Moneyback Credit Card Rebate Program available here . Eligible purchases must be at least $1 and the value of each purchase will be rounded down to the nearest dollar before Cashback is calculated. Eligible purchases do not include interest, fees, balance transfers or converted balances (from both American Express and other issuers), loading of pre-paid cards, or foreign exchange transactions. Cashback will be paid to you as a statement credit to your Account each month and included in your monthly statement. Cashback is not redeemable for cash, including through a credit balance refund. We will only credit your account if it is in good standing and not overdue.
2. Additional Cards. Additional Card Members must be 16 years of age or over. Additional Card Members were previously referred to as “Supplementary Card Members”. The Primary Card Member will be liable to pay for all transactions made by Additional Card Members. The Primary Card Member cannot add an Additional Card under their own name or email address and cannot add an Additional card under the name or email address of a previously approved Additional Card application on the Account.
Whether it's shopping, dining, travel or entertainment there's an Amex Offer with your name on it. From credits on your Account to bonus points, our eligible Card Members are offered opportunities to be rewarded in many ways, just by using their Card.
To view Amex Offers, simply log in to your Online Account or the American Express Mobile App*.
*To use the App, you must be registered for online Services. App Store is a service mark of Apple Inc. Android and Google Pay are trademarks of Google Inc.
Dive into experiences you’ll never forget. From pre-sale tickets and lounge access at the most sought-after shows, to exclusive benefits at exhibitions and movies, you can spend your nights out in style.
Relax before your next show at our lounges at Qudos Bank Arena Sydney, Aware State Theatre Sydney or the Brisbane Entertainment Centre. Enjoy a drink or a quick bite to eat, on us, and arrive at your event feeling relaxed.
To enter, simply show your American Express Card at the lounge door – just don’t take too long to get there, the lounges can fill up fast.
Support your favourite local businesses through our Shop Small movement and receive special offers to help make your local community even stronger.
Shop Small
American Express Experiences®
Receive Offers
Enjoy easy access to offers, view transactions, keep track of your points, pay your Account and get account notifications with the American Express Mobile App1. Download it to your mobile and start making the most of your Membership, every day.
Make your payments even speedier with access to Apple Pay, Samsung Pay and Google Pay2 available to eligible Card Members. It’s a safe and secure way to make payments while you’re on the go.
Simply load your Card details to your mobile wallet and use it to pay. You’ll continue to earn all the same rewards and benefits of your American Express Membership.
Relax knowing that with our Fraud Protection Guarantee, if your card is stolen, you won’t pay for unauthorised spending on your Account no matter what Card you have. From crediting your Account, to organising an immediate replacement Card3 – whatever the problem, our dedicated American Express Security Centre Team is there to help.
Worried about dropping your smartphone? Here’s a lucky break. If you use your Card to pay for the phone or your monthly phone bills, you’re covered for the cost of the screen repair (up to $500 with a 10% excess payable on the claimed amount). Conditions apply; you must have paid your last 3 monthly phone bills at the time of damaging your smartphone on your American Express Platinum Moneyback Credit Card.
For full details of the insurance cover, exclusions and limitations, please refer to the American Express Platinum Moneyback Card Insurance Terms and Conditions here.
Frequently asked questions
Q: How do I make a claim?
A: To make a claim now, visit the Chubb Claim Centre for American Express Card Members.
Q: What is the excess?
A: The excess payable is 10% of the repair amount.
Q: What do I need to do to submit a claim?
A: 1. Have the mobile phone repaired by a repairer of your choice.
2. Submit a claim form with the following documents:
a)Receipts of the repair
b)A copy of your American Express Platinum Moneyback Credit Card statement showing the outright purchase of your mobile phone or payment of your monthly phone bill.
Q: Am I eligible to make a claim?
A:To be eligible, your Smartphone must be paid for outright in a single transaction using your American Express Platinum Moneyback Credit Card; or your Smartphone must be paid for on a monthly contract using your American Express Platinum Moneyback Credit Card. Waiting periods may apply. For full eligibility criteria refer to the American Express Platinum Moneyback Credit Card Insurance Terms and Conditions.
Q: How often can I make a claim?
A: Reimbursement is restricted to two (2) eligible claims in a twelve (12) month period.
Had a change of heart about a recent purchase? Card Refund Cover covers you when you use your Card. You will be reimbursed up to $500 if you are unable to return an eligible item to the retailer within 90 days of purchase. Terms apply, see Policy for full details.
Shop with confidence thanks to American Express 90-day Card Purchase Cover when you use your Card. You will be covered for theft or damage to eligible items within 90 days of purchase, up to $2,500. Terms apply, see Policy for full details.
Put your mind at ease with an added layer of security that protects you from fraud when making online purchases. When you buy online from a participating Safekey merchant we’ll SMS or email you a one-time code to ensure your Card is not being compromised. This security benefit costs nothing and registration is automatic.
If your Card is lost or stolen, you can order a replacement to wherever you are in the world, 24/7.
If you’re at home
You can order a replacement Card quickly and easily online. It will then be sent to the address that we have on file.
Follow this step-by-step process to apply for a Card replacement online.
1. Login to your account and click on ’Account Management’
2. Select the Card you would like to replace and the reason you’d like to replace it
3. Complete the Card Membership verification
4. Review your Online Card Replacement request and click to submit
To complete another Online Card Replacement request, simply tap ‘Back to Account Management’ and select ‘Order a replacement Card’ in the text box below the status.
Note: For your security, the same Card cannot be replaced again for 30 days.
If you’re away
Whether you’re interstate or international, you can order a replacement Card by calling our Customer Service Centre. They’ll be able to send your Card to any address in the world.
In Australia: 1300 882 538
Overseas: +61 2 9271 8669
You can still make transactions using your mobile wallet to continue getting the most of your membership benefits. If you haven’t loaded your Card to your mobile wallet yet, please click here.
Mobile App
Mobile Payments
Update your details
1. To use the App, you must be registered for Online Services. App Store is a service mark of Apple Inc.
2. Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.
Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
Google Pay, and the Google Logo are trademarks of Google LLC.
3. Provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.
4. The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Platinum Moneyback Credit Card to pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Platinum Moneyback Credit Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
Pay off your balance in monthly instalments
Plan It™ Instalments offers you a flexible way to pay off your Credit Card balance in equal monthly instalments, with 0% p.a. interest and a fixed monthly fee*. It’s already on your Card, so you can keep buying wherever you normally shop and pay later in instalments.
- You can create an Instalment Plan as long as your account is in good standing. We may limit the amount that can be transferred to an Instalment Plan.
- Each Instalment Plan will begin from the date it is successfully created, as communicated to you in your Online Account.
- Payment of your first Monthly Instalment will be due in your next payment cycle.
- You will be charged a Monthly Plan Fee for each Instalment Plan created.
- This fee will be charged each month your Instalment Plan is active and will be notified to you before you create the Instalment Plan.
- View the full Plan It™ Instalment Terms and Conditions here.
Get the most out of your Card
Whether you’re just getting started, looking to pay a bill, or travelling overseas, here’s everything you need to know about managing your Card.