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our online application takes less than 10 minutes.
How do I know if I’m eligible?
There’s some primary criteria you’ll need to meet before you can apply for an American Express® Credit Card.
When applying for an American Express Credit Card, you are required to:
What do I need to have ready before I apply?
Before you apply for an American Express Credit Card, you’ll need to have on hand, some important personal and financial information.
What you’ll need
Here’s the information we’ll need from you before you start your application:
How do I apply for a Credit Card?
Once you have chosen a Card, read the Terms and Conditions, then click the ‘Apply now’ button on your chosen Credit Card page to begin your application.
If you have any questions along the way, you can call 1300 557 743 toll free Monday to Friday between 8.00 am and 6.30 pm AEST.
Provided you have all of the required information to hand, your application should take less than 10 minutes to complete, and we will provide you with a response in 60 seconds.
What is a credit assessment?
As part of your application for a new Credit Card we’ll need to carry out an evaluation to ensure you are able to meet the obligations of the Credit Card contract.
What we’ll look for
A credit assessment is a process carried out by American Express to ensure you are able to meet the obligations of a Credit Card contract. Some of things we look at:
Your credit history information is obtained by reviewing your ‘credit file’, a record of information that is held by Equifax, a credit reporting body. To receive a copy of your credit file, please visit the Equifax website at mycreditfile.com.au.
When reviewing your credit file, credit providers may consider things like: the type of credit you have applied for; how often and how much credit you have applied for; any overdue accounts or defaults listed against you; instances you have not met obligations with a credit provider, which can include bills for your telephone or Credit Card.
Credit files are protected by the Privacy Act, and access, use, and disclosure are subject to obligations.
Your credit history:
When you open an account with a utility company, or a telephone service provider, or you apply for a loan or your first Credit Card, you begin to establish a credit history. The way you manage your accounts may impact your credit history. Paying bills on time and avoiding payment defaults will assist in improving your credit history.
Many credit providers may review your credit history when they review your application for personal loans, a mortgage, and Cards. A good credit history will help when applying for future credit facilities or products.
Helping to establish a good credit history
Some things that credit providers may look at when reviewing your credit file are:
To maintain a good credit history, you should always pay your bills on time. If you are moving house, ensure you provide your lenders with your new address and other contact information to avoid late or missed payments.
As an American Express Card Member, you get to enjoy travel benefits that take you further, points that are more rewarding, and services that open more doors around the world.