Amex Platinum · 2009

No foreign transaction fees

Spending abroad or in another currency is charged at the network rate with no percentage added.

Priority check-in & boarding

Dedicated desks and earlier boarding groups with participating carriers.

Apartment security deposit cover

Stands in for the cash deposit a landlord asks for, so the money is not tied up for the length of the tenancy. The obligation to pay for damage remains the tenant's.

Home contents & appliance cover

Repair or replacement of household appliances bought on the card once the manufacturer's warranty has run out.

Rent payment protection

Covers the rent for a set number of months after involuntary redundancy or a covered illness, paid directly to the landlord.

Rent reporting to the bureaus

Rent paid on the card is reported as a tradeline, so a payment already being made every month starts building history.

Tenancy legal assistance

A helpline and contribution towards legal costs in a dispute with a landlord or letting agent.

Moving & relocation cover

Covers belongings damaged or lost in transit when the move is booked and paid for on the card.

Car loan at member rates

Vehicle finance at the programme's preferential APR, subject to approval and separate from the card's own limit.

Business loan up to $50,000

A working-capital facility of up to $50,000 for holders in good standing, subject to approval and underwritten separately from the card.

Personal loan up to $25,000

Fixed-term borrowing of up to $25,000 at a rate set by the programme, subject to approval.

0% introductory APR on purchases

No interest on new purchases for the introductory window, after which the standard rate applies to any remaining balance.

Balance transfer offer

Move a balance from another card at a promotional rate. A transfer fee usually applies and the promotional rate is time-limited.

Instalment plan on large purchases

Split a qualifying purchase into fixed monthly instalments for a set fee instead of revolving interest.

Overdraft protection line

Covers a shortfall in the linked bank account from the card rather than letting the payment fail, subject to approval.

Equipment & fleet financing

Asset finance for business equipment and vehicles at programme rates, subject to approval and a credit review.

Points on every purchase

Earns the programme's base rate on all spending, with accelerated categories on top.

Cashback on everyday categories

A higher percentage back on groceries, transport and bills, credited each statement.

Hotel partner status

Complimentary elite tier with the issuer's hotel partners — late checkout, upgrades and on-property credits.