If you want to go beyond basic payment tools, you need to check out how to apply for a credit card with the Platinum category!
To start, it’s packed with premium perks, from access to relaxing lounges in VIP areas (if you’re a fan of luxury travel, that’s reason enough) to complimentary insurance.
However, since it’s a high-end card, it’s important to know that there are strict eligibility criteria and necessary documents to ensure approval. But here’s some good news: the online application process is super simple and quick.
What You Need to Apply for the American Express Platinum Credit Card:
- Be 18 Years or Older: The minimum age requirement is 18, which is the case for most credit cards.
- Be an Australian Citizen, Permanent Resident, or Hold a Long-Term Visa: You must have stable residency in Australia to be eligible.
- Consent to a Credit Check: This analysis is part of the process, and you’ll need to agree to it when applying.
- Positive Credit Rating: First and foremost, having a clean credit history is the most favourable factor for approval. If you’ve had issues with previous payments, this may complicate your application.
Essential Supporting Documents for Your Application:
Now that you know the requirements, it’s also important to prepare the right documents to apply smoothly. Consequently, having everything organised will speed up the process!
Identity: Australian driver’s licence (if you have one), passport, or Medicare card.
Income, Expenses, and Debts Information: Be ready with details on your expenses and income; also, include any outstanding debts when filling out the form.
Proof of Income: You’ll need to submit your latest pay slips or another document verifying your income. If you’re self-employed, you might need to provide your tax return and a statement from an accountant.
Does the American Express Platinum Credit Card Have a Set Limit?
A common question about the American Express Platinum Credit Card is how much it will approve.
In fact, the limit varies based on each individual’s financial profile. In summary, the amount available for purchases depends on your income, repayment capacity, and credit history.
However, as it’s a premium card, the limit is generally significantly higher than basic cards, as it’s aimed at high spenders and individuals with substantial income.
How to Apply for the American Express Platinum Credit Card Online:
- To begin, visit the official application page. The entire process shouldn’t take more than 10 minutes.
- Secondly, fill out the form with your personal and financial information. To avoid delays, have all the necessary documents on hand.
- Attach the documents that verify your income, identity, and any other information required to complete your application.
- Confirm your application after filling everything out. First of all, review your details, and then just click to submit.
- Instant Decision: In most cases, the response is ready within 60 seconds.
Need Assistance?
The company recommends that customers use digital channels, as they have highly trained support to address queries.
If you already have your new credit card in hand, you can also find the customer service number on the back of it.
However, for exceptional cases like loss or theft, there’s a dedicated line: 1300 364 931 within Australia or +612 9271 4110 from overseas. The support centre is available 24/7.