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  2. Credit Cards
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What are you looking for in a Credit Card?

Points and rewards

Points and rewards

A Rewards Credit Card means you will:

  • Earn points on practically everything you purchase on your Card
  • Have the ability to redeem your points for a huge range of retail and travel purchases through Membership Rewards
  • Be able to transfer your points to a number of airline partners1

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Travel and flights

Travel and flights

A Frequent Flyer Credit Card means you could enjoy:

  • Earning Qantas or Velocity Points on everyday purchases
  • A complimentary domestic return flight to a range of cities each year with certain Cards
  • Additional travel benefits like Lounge Access and Travel Insurance
  • The ability to transfer your points to up to 10 of our airline points transfer partners1

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Platinum benefits

Platinum benefits

For service and benefits second to none, reward yourself with one of our Premium Cards, and you could enjoy:

  • Earning more points, faster, with a higher overall rate or an accelerated rate on certain spend categories, such as restaurants and travel
  • Travel benefits such as complimentary lounge access and complimentary domestic and international travel insurance3
  • An annual travel credit or complimentary domestic flight each year with selected Cards
  • Special event invites, concierge services and exclusive lifestyle programs depending on your Card

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Balance transfer

Balance transfer

A Card with a balance transfer offer means you will:

  • Be able to transfer an existing Card balance onto your American Express® Card
  • Enjoy the breathing space of 12 months interest free to pay the balance transfer2

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No annual Card fee

No annual Card fee

With all the benefits of being an American Express Card Member, without the annual fee, these Cards also offer:

  • Points earned for every dollar spent on purchases
  • Access to pre-release tickets for shows and events with American Express Invites
  • Purchase, Refund, Online Fraud Protection and more3

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Cards for business

Cards for business

Whatever your business needs, from cash flow management solutions to rewards points, there’s an American Express® Business Card designed to suit you.

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Credit Cards explained

Has talk of interest, annual fees, rates and percentages left you feeling confused? Our simple Credit Card guides are a great place to start.

Learn about Credit Card fees >

Understanding interest >

Applying for a Credit Card >

Understanding Credit Card repayments >

Our personal Cards

Choose from our range of Credit Cards and Charge Cards – you’re bound to find something to suit your needs.

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Manage your Card

Everything you need to know about managing your Credit Card Account, including:

  • Activating your Card and setting up your Online Account
  • Features of the American Express® Mobile App
  • How to pay your Credit Card bill
  • Using your Credit Card abroad, and much more
Learn more >
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Why choose American Express?

Accepted at more places

With more Merchants in Australia choosing to accept American Express, including the big brand stores you spend at every day, your points will add up fast.

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Membership experiences

We believe our Card Members deserve more. Discover how we reward our Card Members.

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A great range of Cards

From Charge Cards to Credit Cards – you’re bound to find something to suit your needs.

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Terms and Conditions

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Terms and Conditions

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1. Membership Rewards Points Transfer is available to primary Card Members enrolled in the Ascent, Business Ascent, Spirit, Ascent Premium and Gateway Membership Rewards programs. Qantas Frequent Flyer is only available as a transfer partner in Business Ascent and Ascent Premium programs. Virgin Atlantic Flying Club is not available as an Airline Transfer Partner in Gateway program. To redeem points, you must be a member of the transfer partner's frequent traveller program. Enrolment in the partner program is solely your responsibility and fees may apply. Points transferred to Airline Transfer Partners are not reversible and transferred points are subject to the terms and conditions of the partner programs. The minimum required points to transfer and transfer rate vary. Subject to the Membership Rewards Terms and Conditions available here.

2. Balance transfers are only available to new applicants who apply online and are approved. A one-off 1% credit plan establishment fee applies. The maximum balance transfer that you can be approved for is $10,000 or 70% of your approved credit limit whichever is less. Existing Card Members are not eligible for this offer. Card Members who currently hold or who have previously held any other Card product offered by American Express Australia Limited are ineligible for this offer. The balance transferred will be eligible for the promotional interest rate for a 12 month period from approval, at which point any remaining balance transfer balance will revert to the standard rate of interest at that time. The credit plan establishment fee attracts the standard rate of interest. Interest Free Days do not apply if you do not pay your closing balance (which includes any outstanding balance transfers, cash advances, purchases and fees) in full by the due date each month. We reserve the right to withdraw this offer if your Account is not in good standing or we become aware of any adverse credit information. Click here for full balance transfer terms and conditions.

3. American Express Card Insurances are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL 239687) (ACE) and are subject to the terms, conditions and exclusions contained in the American Express Card Insurances policy between American Express International Inc (ABN 15 000 618 208, AFSL 237996) (AEII) and ACE. The insurances do not take into account your objectives, financial situation or needs. The Insurances are subject to change. It is important for you to read the Insurances and consider the appropriateness of that insurance in relation to your individual requirements. Full details of the insurance benefits vary from Card to Card and can be found in the terms and conditions on individual Card product pages.