A closer look at
Credit Card fees

Learn about the Credit Card
fees you pay and the ones
you can avoid.

Types of Credit Card fees

On some Credit Cards, we charge an annual Card fee in return for richer rewards, features, and benefits. The amount, and value of the rewards and benefits, varies from Card to Card. In addition to an annual fee, you may be subject to the following fees.

  Consumer Credit Cards Consumer Charge Cards Business Credit Card Business Charge Cards
Types of fees Amount Amount Amount Amount
Additional Statement Fee $10 $10 $10 N/A
 Cash Advance Fee (enrolled Card Members only) $2.50 or 2% of the cash advance amount (whichever is greater) $1.25 per withdrawal (Charged to the American Express account seperately)  $2.50 or 2% of the cash advance amount (whichever is greater) N/A
Currency Conversion Fee 3% of the converted amount 3% of the AUD equivalent of the foreign currency transaction amount 3% of the converted amount 3% of the AUD equivalent of the foreign currency transaction amount
Dishonour Fee $6 for each dishonour or debit rejection $6 for each dishonour fee or debit rejection $30 for each dishonour or debit rejection $20 for each dishonour fee or debit rejection
Late Payment Fee $30 Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount. $30 Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount.
Record of Charge $7 for charges in Australia, $10 for other charges Payable when you or the Additional Card Member requests a copy of an individual charge. $7 for charges in Australia, or $10 for other charges. $7 for charges in Australia, $10 for other charges Payable when you or the Employee Card Member requests a copy of an individual charge. $7 for charges in Australia, or $10 for other charges.

Some useful terms

 

Cash Advance Fee (enrolled Card Members only): Payable if you withdraw cash from your Credit Card account from an ATM.

 

Currency Conversion Fee: Payable when any charge is processed in a currency other than Australian dollars.

 

Dishonour Fee: Payable if there aren’t enough funds in your nominated account to pay the Card Account or if the whole or part of a payment by direct debit is rejected.

 

Additional Statement Fee: Payable if you or an Additional Card Member requests an additional posted monthly paper statement. You may access statements free of charge through your online Account.

 

Late Payment Fee: Payable if you do not pay the minimum payment required by the due date as shown on your statement.

 

Over The Counter Fee: Payable if you pay your Card Account in person at Australia Post1.

 

Record of Charge: Payable if you or an Additional Card Member requests a copy of an individual charge.

 


When do I pay my annual fee?

We will charge the annual Card fee in the month of your Card Membership anniversary.

 


How can I avoid paying an annual fee?

We have several Cards that do not come with an annual fee, offering both convenience and value. Find out if a no annual fee Card is right for you.

 


What is a Credit Card surcharge?

A surcharge is a fee that a business charges a customer for using a Credit Card to make a purchase. While American Express® strongly opposes surcharging, it is a cost that a business can choose to pass on to a customer if they wish.

 

Credit Cards with no annual fee

Discover the great benefits that come with a Credit Card with no annual fee, such as earning Membership Rewards on your everyday spending and Frequent Flyer points that can be used to redeem flights.

Earn Velocity Frequent Flyer Points on your everyday spend

 

 

Earn Qantas Frequent Flyer Points on your everyday spend

 

 

Life with Amex​

 

From money-saving ideas to travel inspiration and daily life tips, get inspired to do great things and make your life more rewarding.

What do you want from a Card?

Everyone’s different, so you need a Card that has benefits that best suit your lifestyle.
Choose the Card with benefits that best suit you.

Rewards

Earn Membership Rewards® points from

everyday spending

Frequent Flyer

Maximise rewards for

every trip

Platinum

Enjoy premium
benefits and service

Live life to the fullest with American Express Membership

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.

Want to learn more about Credit Cards?

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