Start of menu
Close Menu
  1. Amex AU
  2. Credit Cards
  3. No Annual Fee Card
img
img

Why choose a no annual fee Credit Card?

No annual fee doesn't have to mean no benefits. In fact, our no annual fee Credit Cards have great benefits including access to pre-release tickets and events via American Express Invites and, for eligible cards, the ability to transfer your Membership Rewards points to a wide range of airline rewards partner programs.

Credit Cards with no annual fee

header-banner-bg

The American Express®
Essential Credit Card

  • No annual fee
  • 14.99% p.a. on purchases1
  • Earn up to 1 point per $1 spent2
  • Smartphone Screen Insurance3
  • Purchase and Refund Protection3
  • Online Fraud Protection4


 

Learn more

header-banner-bg

The American Express®
Velocity Escape
Credit Card

  • No annual fee
  • 20.74% p.a. on purchases1
  • Earn up to 2 Velocity Points per $1 spent5
  • Bonus Points for new Card Members
  • Purchase and Refund Protection6
  • Online Fraud Protection4


 

Learn more

header-banner-bg

The Qantas
American Express®
Discovery Credit Card

  • No annual fee
  • 20.74% p.a. on purchases1
  • Earn up to 2 Qantas Points per $1 spent7
  • Bonus Points for new Card Members
  • Purchase and Refund Protection8
  • Online Fraud Protection4


 

Learn more

A no annual fee Credit Card not for you?

If you’d like a Card with extra benefits, such as complimentary flights or travel insurance included, there are other types of Cards which may appeal:

 

 

 

img

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.

Learn more >

Membership experiences

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

Learn more >

A great range of Cards

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

View all Cards >

Terms and Conditions

Click to expand
Terms and Conditions

Click to collapse

1. 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.

2. 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.

3. Insurance cover is underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE) and is subject to the terms, conditions and exclusions contained in the American Express Essential Credit Card Insurances policy between American Express and ACE available here. For Smartphone Screen Insurance, maximum of 2 claims per 12 month period, maximum cover of $500 per claim and an excess of 10% of the claimed amount applies.

4. Provided that you notify us immediately of any fraudulent transactions and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.

5. Velocity Points are earned in accordance with and subject to the American Express Velocity Card Points Terms and Conditions, and exclusions apply. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for traveller's cheques and foreign currencies. These do not earn Velocity Points. For the full list of exclusions, please refer to the American Express Velocity Cards Points Terms and Conditions available here.

6. American Express Velocity Escape Card Insurances are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE) and are subject to the terms, conditions and exclusions contained in the American Express Velocity Escape Card Insurances policy of insurance between American Express International, Inc. (ABN 15 000 618 208, AFSL No. 237996) (AEII) of 12 Shelley Street, Sydney NSW 2000, and ACE. This landing page does not take into account your objectives, financial situation or needs. It is important for you to read the Terms and Conditions available here and consider the appropriateness of that insurance in relation to your individual requirements.

7. 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.

8. Qantas American Express Discovery Card Insurances are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE) and are subject to the terms, conditions and exclusions contained in the American Express Discovery Card Insurances policy of insurance between American Express International, Inc. (ABN 15 000 618 208, AFSL No. 237996) (AEII) of 12 Shelley Street, Sydney NSW 2000 and ACE. This does not take into account your objectives, financial situation or needs. It is important for you to read the Terms and Conditions and consider the appropriateness of that insurance in relation to your individual requirements.