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  3. About Credit Cards
  4. Applying for a Credit Card

Credit Card applications explained

Who can apply for a Credit Card?

Who can apply for a Credit Card?

There are some basic eligibility criteria for all American Express Credit Card applications, including:

  • You must be over 18 years of age.
  • You must be a permanent resident or citizen of Australia or hold a current Business Long Stay Visa (subclass 457).
  • You must meet the minimum income criteria for your chosen Card.

What do I need to apply for a Credit Card?

What do I need to apply for a Credit Card?

When you submit your Credit Card application you will be asked for the following information:

  • Your Driver’s Licence (if available) – this will help us to verify your identity.
  • Personal information, including your current address and details of any previous addresses if you have lived at your current address for less than five years.
  • A current email address and a mobile or landline contact telephone number.
  • Financial Information including your annual income, household income (if married / defacto), monthly living expenses, employment details (including work address and a work contact phone number), superannuation (if retired) or other income sources.
  • Details about any other Credit Cards you hold and their balances.
  • Details of any other loans you hold.

Having all of this information to hand before you start your application will make your application process smoother.


How do I apply for a Credit Card?


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 8am and 6.30pm Sydney time.

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?

What is a credit assessment?

When you apply for a Credit Card, your application will undergo a credit assessment which includes an evaluation of your credit history.

Credit assessment:
A credit assessment is the process undertaken by American Express to ensure you are able to meet the obligations of a Credit Card contract. Generally, it means looking at:

  • Your ability to repay
  • Your financial responsibility
  • Your chance of defaulting, not paying back your debt
  • Your credit history

Your credit history information is obtained by reviewing your ‘credit file’ – a record of information that is held by Veda, a credit reporting body. To receive a copy of your credit file, please visit the Veda website at

When reviewing your credit file, credit providers may consider things like: the type of credit you have sought or 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, Credit and Charge Cards. A good credit history will help when applying for future credit facilities or products.


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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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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