American Express · American Express
American Express Airpoints Platinum
Mechanical fact card. Every figure on this page is sourced from American Express's published Conditions of Use document; the small green/blue/amber chip next to each value links to the source.
Ingested 21 May 2026. 36-month freshness cap enforced.
Annual fee
Not in T&C
Purchase APR
Not in T&C
Cash advance APR
Not in T&C
Interest-free days
Not in T&C
Fees & charges
| Annual fee | Not in T&C |
| Additional / supplementary card fee | Not in T&C |
| Foreign transaction fee | Not in T&C |
| Cash advance fee | Not in T&C |
| Cash advance fee % | Not in T&C |
| Late payment fee | Not in T&C |
| Over-limit fee | Not in T&C |
| Replacement card fee | Not in T&C |
| Statement copy fee | Not in T&C |
Interest mechanics
| Purchase interest rate (APR) | Not in T&C |
| Cash advance interest rate | Not in T&C |
| Balance transfer promo rate | Not in T&C |
| Balance transfer promo period | Not in T&C |
| Default / penalty rate | Not in T&C |
| Interest-free days | Not in T&C |
| Minimum repayment % | Not in T&C |
Rewards mechanics
Partner programs A
Eligibility
| Minimum age | Not in T&C |
| Minimum annual income | Not in T&C |
| Residency / citizenship | Not in T&C |
| Employment status | Not in T&C |
| Credit limit range | Not in T&C |
Approval, credit limit, and pricing are determined by American Express under CCCFA and the Responsible Lending Code. This page is informational only — not a pre-approval and not financial advice.
Your dispute and chargeback rights
External dispute resolution scheme A
other
Closure & cooling-off
Closure rules A
You may end this agreement at any time by paying off all amounts owing on your account, destroying all Cards issued on your account, stopping use of your account and requesting the closure of your account. We will only close your account when you have paid off all amounts you owe us.
Frequently asked questions
How do I dispute an unauthorised transaction on the American Express Airpoints Platinum?
Contact American Express first, then escalate to the relevant external dispute resolution scheme (typically the Banking Ombudsman Scheme or FSCL). The Commerce Commission enforces CCCFA fair-dealing obligations.
How current is the information on this page?
Every figure on this page is sourced from American Express's published Conditions of Use document. The T&C was ingested on 21 May 2026. We enforce a 36-month freshness cap; any fact older than that is excluded from rendering. Cross-check the issuer's current Conditions of Use before applying.
Is the American Express Airpoints Platinum "the best" credit card?
We don't rank credit cards on this site. Under FMA and CCCFA fair-dealing rules, "best for X" or "lowest rate guaranteed" claims require disclosed methodology that we don't publish. We list the facts; you compare what matters to your situation. If you need one-on-one advice, see a licensed Financial Advice Provider — we don't provide personalised advice.
Methodology & source-tier system
Every fact on this page carries a source-tier badge: Tier A = verbatim from the issuer's published Conditions of Use PDF; Tier B = issuer's live website; Tier C = our editorial registry (used when T&C ingest is pending); Tier D = third-party source.
We don't rank cards, don't publish "best for X" superlatives, and don't make approval claims. Approval decisions sit with the issuer under CCCFA and the Responsible Lending Code. For one-on-one advice, contact a licensed Financial Advice Provider.
Last snapshot generated Invalid Date. T&C ingest cycle: monthly. Source-document freshness cap: 36 months.