The American Express^® Card

Card type
Charge Card with no pre-set spending limit¹ and no interest charges. All you need to do is pay off your balance in full each month.
Annual fee
$80 p.a.
Membership Rewards fee (optional)
$80 p.a.

Highlights

Enjoy 8 airline rewards partner programs and 3 frequent guest partner programs²
Buyer's Advantage^TM ³ extended warranty and Purchase Protection⁴
When you pay for travel on your Card receive Complimentary Travel Inconvenience and Accident Cover ⁴
Online Fraud Protection Guarantee ⁵
Pay With Points online with Webjet⁶ or in-store with Travelscene American Express and Harvey World Travel⁷
No pre-set spending limit means more flexibility ¹

Reward yourself

Be rewarded for your everyday spending with American Express and turn your purchases into new possibilities.

Earn 1 Membership Rewards point⁸ per dollar spent on all other purchases excluding utilities, insurance (except those issued by American Express), telecommunication providers and government bodies in Australia where you earn 0.5 Membership Rewards point⁸ per dollar spent
Redeem your points with over 20 Gift Card partners⁹ or even use them to pay off the balance of your Card¹⁰
Pay With Points now instantly online at Webjet⁶ or instantly in-store with Travelscene American Express⁷ and Harvey World Travel⁷
Plus, you can transfer points to any of our 8 leading airline rewards partners

Leading Airline Rewards Partners

Including Virgin Australia Velocity Frequent Flyer, Etihad Guest, Virgin Atlantic Flying Club, Singapore Airlines KrisFlyer, Air New Zealand Airpoints^TM , THAI Royal Orchid Plus, Malaysia Airlines Enrich and Cathay Pacific Asia Miles^TM
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and 3 frequent guest partner programs²,

Frequent Guest Partner Programs

Including Hilton Honors^®, Starwood Preferred Guest and Jumeirah Hotels & Resorts.
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giving you added flexibility and convenience²

Travel

Relax in the knowledge that when you use your American Express Card, you're covered by the following travel protection benefits⁴:

Travel Inconvenience Cover ⁴ will cover you for flight delays, missed connections or delayed luggage when you purchase your trip on your Card
Global Assist ^® provides help when you travel outside the Australia, in your own language, 24/7

World-class service

American Express offers unique and effective tools and services to save you time, keep you protected and help you stay on top of your finances.

Access your account wherever you are in the world via mobile phone, laptop or desktop computer
Stay organised online with tools to view transactions, schedule payments and keep tabs on your Membership Rewards
Global Card Support means you can enjoy account assistance any time of the day or night
If requested, you'll receive a year-end summary of charges to help with your record keeping and budgeting
Refund Protection ⁴ - we'll credit your account if you're refused a refund on an unused eligible item within 90 days of purchase
Purchase Protection ⁴ repairs or refunds eligible items if they are accidentally broken or stolen within 90 days of purchase
Buyer's Advantage^TM extends the manufacturer's warranty by up to 12 months on eligible items purchased with your Card³
With our Online Fraud Protection Guarantee⁵ you won't be held responsible for any unauthorised charges online as long as you notify us immediately upon discovery of the fraudulent transactions
Emergency Card replacement ¹¹ - with our global network of offices, we can usually get a replacement Card to you within 48 hours virtually anywhere in the world
Plus, our Contact Centre has been awarded the best in Australia

Eligibility

To save time before you apply for your American Express Card, it's best to make sure you can say yes to the following:

I am aged over 18
I am an Australian citizen or permanent resident
I have a personal gross (pre-tax) annual income of $35,000 or more
I have no history of bad debt or payment default
And if self employed, I have been trading for at least 18 months or 12 months if I hold an existing American Express issued Card

If you can say yes, go ahead. Your application takes less than 10 minutes and we may be able to give you a response in less than 60 seconds - so apply now.

Terms and Conditions

American Express credit approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 1 August 2012 and is subject to change. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited.

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.
Subject to the Terms and Conditions of the Membership Rewards program available here. To transfer Membership Rewards points into an airline rewards or frequent guest partner program you must be a member of the partner program. Membership of the partner program is the Card member's responsibility and is subject to the Terms and Conditions of the applicable program. A joining fee may apply.
Subject to terms and conditions. Please note that Buyer's Advantage does not cover toys, electronic games, cars and other motorised vehicles.
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 site does not take into account your objectives, financial situation or needs. It is important for you to read the Terms and Conditions available here and consider the appropriateness of that insurance in relation to your individual requirements.
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.
Partner terms and conditions apply. Available to Australian enrolees who reside in Australia only. A minimum of 7,500 points must be redeemed at any one time. Copyright Webjet Marketing Pty. Ltd. CAN 063 430 848, ABN 8406 9490 848. Part of the Webjet Limited Group. Travel Agent Licence No. 32282.
Travelscene Pty. Ltd. Licence No. NSW 2TA002558, VIC 30204, SA TTA108, QLD TAG 252, ACT 18800658, WA 9TA284. Harvey World Travel Franchises Pty. Ltd. Licence Nos: ACT: TC373, NSW/WA: 2TA5129, NT: NT001, QLD: TAG 1718, SA: TTA 165258, TAS: TAS 069, VIC: 32392. Each Travelscene American Express and some Harvey World Travel shops are independently owned and have their own travel agent's licence. Travel Agent service charges may apply.
Membership Rewards enrolment required. Subject to the Terms and Conditions of the Membership Rewards program.. The Membership Rewards program points earn rate is subject to change on three months' notice. Visit membershiprewards.com.au/termsandconditions for more details. You will earn 0.5 Membership Rewards point per $1 spend at participating merchants classified as; "utilities" including gas, water and electricity providers; "government" including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies; and "insurance" excluding insurances offered by American Express. Purchases at these merchants are only eligible for additional points if the transactions are made in Australia. There is no expiry date for points earned while in the program so long as you are an American Express Cardmember enrolled in Membership Rewards, and your account is kept in good standing and is not overdue.
Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of 3 months from the date of issue, unless otherwise stated. Normal retailer Gift Card and voucher conditions apply.
Points may be redeemed by the Basic Cardmember for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Cardmember's other accounts with American Express are not in good standing. The redemption of Points for Credit will be administered solely by American Express within 3 business days and cannot be reversed. Redeeming Points for Credit is not available for redemption by Corporate Card accounts and is not redeemable for cash via Credit balance refund.

American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence No. 291313. ®Registered Trademark of American Express Company.

The American Express® Card