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The American_Express® Business Card

More Rewarding Business

REWARDS1 Earn up to 1 Membership Rewards
point per $1 spent1
51 DAYS2 Up to 51 days to
pay for your
CHARGE CARD No pre-set spending limit when you pay your balance in full every month3
$109 ANNUAL FEE $80 p.a. Membership Rewards fee
(Enrolment in the Membership Rewards program is optional)


  • Earn up to 1 Membership Rewards point1 per $1 spent
  • No pre-set spending limit means more flexibility3
  • Extend your cash flow up to 51 days2
  • American Express provides transaction data feeds to MYOB accounting software4

Apply Now


Earning Points

Join the Membership Rewards Ascent program1, earning you more points to redeem for a great range of exciting rewards:

  • 1 point per $1 spent1 on all other purchases, except those listed in 0.5 points
  • 0.5 points per $1 spent on utilities, insurance (except those issued by American Express) and government bodies1
  • No cap on points5 Your Membership Rewards points are not capped and they don't expire, so you can enjoy more points for longer5

Spending Points

  • With Ascent, transfer points to any of our 9 airline rewards partners and leading frequent guest partner programs6
  • Use your points to shop online at DAVIDJONES.COM.AU7 or choose from a range of Gift Card8 partners
  • Help the cash flow of your business and pay off the balance on your Card with Points for Credit9 or select individual transactions on your online statement10

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Travel Accident Cover

Travel Accident Cover11 You will enjoy the added security of knowing that a cash payment is payable to you - or to your estate - for loss of life or loss of limb resulting from an accident while travelling when the ticket is charged to your Business Card.

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Save time with MYOB

American Express provides transaction data feeds to MYOB accounting software, ensuring a more time efficient and seamless business experience4. Card Members must be enrolled with MYOB for the automatic transaction data feed to take place.

For more information and to enrol your American Express Card, please visit

Keep track of expenditure

Download statements and transaction details, view balances and keep track of business expenditure using QuickenTM, MYOB® or Microsoft® Excel.

Embrace greater efficiency, access and control

American Express Access LineTM is a smarter way to pay. Settle payments with your domestic and international suppliers using your American Express Card, even if they don’t accept American Express Card payments14.

Online Fraud Protection Guarantee

Online Fraud Protection Guarantee12 means you won't be held responsible for any unauthorised purchases made online, provided that you notify us immediately.

Emergency Card replacement

Emergency Card replacement13 - with our global network of offices, we can usually get a replacement Card to you virtually anywhere in the world. Call us on 1300 132 639 from Australia or on +612 9271 8666 from abroad.

Award-winning support

Our global customer service team is here to help - wherever you are in the world, whatever the time of day. Plus, our contact centre is a multi award winner of the Customer Service Excellence Awards.


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Am I eligible?

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

  • I am over 18 years of age
  • I have a good credit history and no payment defaults
  • I am an Australian citizen or permanent resident
  • I earn a personal gross (pre-tax) annual income of $24,000 or more
  • My business is registered for GST
  • I have a valid ABN

If you can say yes, go ahead. Your application can take less than 10 minutes and we'll give you a response in approximately 5-10 working days - so apply now.

Apply Now


American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 11 September 2014 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.

1. Membership Rewards enrolment required (an annual fee applies). Subject to the Terms and Conditions of the Membership Rewards program available here. You will earn 0.5 Membership Rewards point per $1 spent at participating merchants classified as "utilities" including gas, water and electricity providers; "government" including the Australian Taxation Office, the Australian Postal Corporation, federal/state and local government bodies; and "insurance" excluding insurances offered by American Express. Exceptions may apply if an individual merchant does not accept American Express as a form of payment. There may be taxation implications associated with your participation in the Membership Rewards Program. You are advised to consult your accountant or tax advisor to determine if there are any implications from your participation in the program.

2. Depending on when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your account from your previous statement period.

3. 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.

4. MYOB bank feed is available to American Express Cards issued by American Express Australia Limited with the exception of David Jones American Express Cards and American Express Corporate Cards. The Card must be active at the time of enrolment.

5. As long as your account remains current and in good standing.

6. To transfer points into an airline/travel partner program you must be a member of the relevant airline/travel rewards partner program. Membership of the airline/travel rewards partner program is the Card Member’s responsibility. Subject to the Terms & Conditions of the applicable partner program and a joining fee may apply.

7. Subject to the Terms and Conditions of the American Express Membership Rewards program available here and David Jones partner Terms and Conditions available at Terms and Conditions apply to all Membership Rewards redemption options and redemption is subject to availability. Subject to your account being kept in good standing and not overdue. Only American Express Cards issued by American Express Australia Limited are eligible provided they are enrolled in the Membership Rewards program excluding all Supplementary Cards. This includes the David Jones American Express Card and David Jones American Express Platinum Cards. The Primary Card must be used to complete the transaction. A minimum of 3,000 points must be redeemed at any one time.

8. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a minimum period of three months from the date of issue, unless otherwise stated. Normal retailer Gift Card and voucher conditions apply.

9. Points may be redeemed by the Basic Card Member for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Card Member’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 three business days and cannot be reversed. Redeeming Points for Credit is not redeemable for cash via Credit balance refund.

10. If redeeming with Points + Pay, the 'pay' component of your purchase will be automatically billed to your American Express Card Account and will appear on the first billing statement following redemption. You’ll earn Membership Rewards points on the ‘pay’ component of your purchase only.

11. American Express Card Insurances are subject to terms, conditions and exclusions. The complimentary travel insurance cover is also subject maximum age limits, pre-existing medical conditions and limits and is available when you use your American Express Business Card to pay for return domestic or international travel. American Express Card Insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (“Chubb”) and are subject to the terms, conditions and exclusions contained in the American Express Card insurances policy of insurance between American Express International, Inc. (ABN 15 000 618 208, AFSL No. 237996) (“AEII”) of 12 Shelley Street, Sydney 2000 and Chubb. The Insurance Terms & Conditions do not take into account your objectives, financial situation or needs. Terms and Conditions are subject to change. It is important for you to read the Terms and Conditions booklet available upon request from us and consider the appropriateness of that insurance in relation to your individual requirements.

12. Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Member Agreement, you will not be held liable for any unauthorised charges.

13. If your Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you are not liable for any unauthorised charges.

14. The information has been prepared without taking into account your objectives, financial situation or needs. You should read the PDS and consider the appropriateness of International Payments in relation to your individual requirements. Terms, conditions, fees and charges apply. For further information, please refer to the relevant PDS: Telegraphic Transfers. Access Line is not available to individual consumers. To enrol in this service, your business will be required to complete an application, which is subject to review and approval by American Express. For a copy of the application, including terms and conditions, call 1300 855 749. Users need to have an American Express Corporate Card or American Express Business Card, an FX International Payments account and be registered to use Access Line. International Payments are arranged through American Express International Inc. (ABN 15 000 618 208 AFSL no. 237996). Incorporated with Limited Liability in Delaware, USA.

American Express Australia Limited (ABN 92 108 952 085). ®Registered Trademark of American Express Company.