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American Express provides a wide range of Credit Cards in Australia with different benefits and rewards to suit your lifestyle.
Whether you are looking for a low interest rate on your purchases or premium and luxury experiences, you can compare the range of American Express Credit Cards and find out exactly how to get a credit card in Australia that best compliments your needs.
American Express Credit Cards make it easy for you to enjoy financial flexibility while offering a great way to make the most on your daily purchases and spending habits. With different range of annual fees, interest rates and lines of credit, you can find the Card to best suit your needs.
The Low Rate Credit Card is a particularly advantageous option to keep a low APR (11.99% p.a) on your purchases and gives you plenty of flexibility with an interest free period of 55 days.
Moreover, we now have a Balance Transfer offer available on Credit Cards which will give new Card Members a great way to make savings for the first 12 months with a promotional rate of 0% p.a.
For more information and guidance around credit terms, browse our Card Guidance pages in the left hand menu.
American Express Credit Cards offer you opportunities to earn a variety of rewards. From Membership Rewards points1 that you can redeem2 for flights with our 10 leading airline partner programs, holidays, hotel stays, and gift cards3. The more you spend, the more you accrue and our Membership Rewards points never expire6.
The rewards don't stop there. Many of our Credit Cards offer you Refund Protection7, Purchase Protection7, Online Fraud Protection Guarantee8, inclusive insurance benefits7, when you pay for travel on your card, a complimentary9 flight every year and 24/7 customer support.
Offer only available to new American Express Card Members who apply online, are approved and spend $550 on their new card in the first 2 months of Card Membership. Card Members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 12 month period are ineligible for this offer. 10,000 Membership Bonus Points will be awarded to the eligible card member’s account 8-10 weeks after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.close
All flights are restricted to selected classes within the Saver Fare family and are subject to availability. The complimentary flight is offered on selected destinations only and not valid for flights with Virgin Australia partner airlines or any codeshare flights. Virgin Australia and American Express cannot guarantee that seats or tickets will be available on the dates or at the times you may wish to fly. Seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. Some flights may not have any seats available for this promotion. Route availability is subject to change without notice. Baggage in excess to the 23kgs included in the promotion will attract additional fees, see virginaustralia.com for more information. The offer is subject to the American Express Flight Offer Conditions and air travel is subject to Virgin Australia Terms and Conditions of Carriage.close
Subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au. Participating retailers include the following merchants who have been classified as "major supermarkets": Bi-Lo, Coles, Fishers, Food For Less, Fresh Provisions, Harris Farm Markets, IGA, Macro Wholefoods,Safeway, Supabarn, Thomas Dux, Woolworths, . Participating retailers include the following merchants who have been classified as "major petrol stations": Ampol, BP, Caltex Woolworths, Gull, Metro, Peak, Safeway Petrol, Shell, United, Woolworths Petrol, 7 Eleven. Exceptions may apply if an individual merchant trading as one of the above named retailers does not accept American Express as a form of payment. Purchases at major supermarket & major petrol station retailers are only eligible for additional points if the transactions are made in Australia. 0.5 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.close
Subject to the Terms and Conditions of the Membership Rewards Gateway program available at membershiprewards.com.au. Certain transactions will earn 0.5 points per dollar with merchants classified as; “utilities” including gas, water, electricity and telecommunications 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.close
Interest rate is correct as at 1 January 2016 and is subject to change. This interest rate does not apply for Cash Advances and associated fees.close
The 7,500 Qantas Points offer is only available to new Qantas American Express Card Members who apply online, are approved and make the required eligible Card spend(s). Card Members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 12 month period are ineligible for this offer. Points are awarded as follows:
5,000 points will be awarded when you spend $300 on purchases with your new Card within the first three months of becoming a Card Member.
An additional 2,500 points will be awarded after the first Card spend on purchases of selected Qantas products and services in Australia.
Maximum number of points available under this offer is 7,500 points. Points are earned in accordance with and subject to the Qantas American Express Card Points Terms and Conditions, and exclusions apply. Please allow 8 to 10 weeks after you have made the eligible spend for the points to be credited to your account. Qantas Frequent Flyer membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program. Not valid in conjunction with any other promotional offer.
You must be a member of the Qantas Frequent Flyer program to earn and redeem points. A joining fee may apply. Membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/frequentflyer. Points are earned in accordance with and subject to the Qantas American Express Card Points Terms and Conditions, and exclusions apply.close
With tailored options to suit every customer, the Card you choose dictates advantages that are available to you. You will enjoy:
Pay for travel on your Credit Card and you will receive:
The benefits, insurance cover and protection on offer vary with each Card, so browse the different options to find one that suits your intended use. Simply view the range of Cards in the menu to the left, or use the 'Compare these Cards' button towards the top of this page to see an overview all available Credit Cards and then apply for the best option to suit you.
Our Customer Care service is available all day and night to ensure you can always reach us when you need to. Our care team can be reached by phone, mail or email and will endeavour to answer your inquiries as quickly and easily as possible. If you’re travelling outside of Australia the Global Assist® team is available to help with any inquiries you might have.
Our Online Fraud Protection Guarantee8 means that in the unlikely event you are a victim of fraud, and you have remained responsible with your Card, you won't be called upon for any costs linked to fraudulent transactions or activity.
Wherever your travels take you, you can use your American Express Card. Our Cards are designed for international travel and offer a range of travel rewards including flights, hotel stays and travel insurance. You can enjoy the highest levels of protection for making payments overseas meaning you can relax and enjoy your travel.
We make it as easy as possible for you to manage your account. Register online and you can access your account information at any time, virtually anywhere in the world - either online or on your mobile. View your current balance, have updates sent to your phone, pay bills easily, and manage your rewards or loyalty points.
A Balance Transfer with your Credit Card is a great solution if you want to manage your finances more effectively. American Express offers a Balance Transfer for new Credit Cards Card Members with low rates to help you stay on top of your finances. Starting from 0% per annum you can increase your financial flexibility.
If you want to borrow at a low rate then our tailored Low Rate Credit Card is the perfect choice. With interest rates starting from as little as 11.99% per annum you can enjoy increased spending flexibility at highly competitive rates.
Once you have decided which Credit Card you want to apply for, you will first need to make sure you meet certain basic criteria according to regulation in Australia:
Some of our Credit Card options have additional and specific eligibility criteria you may need to meet in order to apply for. You may be asked to provide proof of income, bank details and proof of employment during the application process.
Click on the button below to find the Card that best suits you.
American Express credit approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All Interest Rates are quoted as an Annual Percentage Rate. All information is correct as at 1 January 2016 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.Terms and Conditions
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