Credit Cards
American Express Credit Cards have you covered, whether you want to go places, earn rewards, or better manage your finances.
What are Credit Cards used for?
Credit Cards allow you to make purchases without cash; providing a line of credit that you’ll pay back later. If you pay less than the full balance at the end of your statement period, you’re charged interest on the amount owed.
Read more about Credit Cards
Choose from our range of Credit Cards in Australia
Whatever your lifestyle, find a Credit Card with benefits that revolve around you.
American Express offers a range of options, from no annual fee Cards, to Cards that earn you Membership Rewards® and Frequent Flyer points.
Get Membership Rewards points for your everyday spending with our Rewards Credit Cards. Earn points with every purchase and redeem those points for entertainment, travel and gift cards.
Browse The American Express Platinum Card, The American Express Platinum Edge Credit Card or the Explorer Card to learn more about American Express’ rewards suite.
Save money and get access to multiple benefits, such as American Express Experiences, with an American Express No Annual Fee Credit Card. Enjoy both convenience and value.
Maximise your rewards for every trip you make. Enjoy a number of benefits and earn Velocity points when you use your Velocity American Express Card to make purchases.
Use your Qantas Frequent Flyer Credit Card on everyday spending, and the Qantas points earned monthly will be automatically transferred to your account.
Take your shopping to another level with a David Jones American Express Credit Card.
Shopping just got a little better with a variety of benefits like invites to season launches, fashion events, and complimentary gift wrapping and delivery.
Platinum Card. Platinum service. Platinum rewards.
Get VIP treatment on every level with a Card that goes above and beyond.
Respend your money all over again. The American Express® Cashback Credit Card is a Card with a difference - for every dollar you spend on purchases you get a percentage of it back, as a statement credit on your Account.
Credit Card benefits
Through the American Express Membership Rewards Program, you’ll have access to a wide range of offers, benefits and services
With an American Express Card, you could enjoy:
American Express Offers
Get American Express Offers across shopping, dining, travel and entertainment. Use your Card to enjoy rewards – from bonus points to Account credit.
To see American Express Card Offers, simply log in to your Online Account or use the American Express Mobile App*.
*To use the App, you must be registered for online Services. App Store is a service mark of Apple Inc. Android and Google Pay are trademarks of Google Inc.
Membership Rewards points
Make your spend more rewarding with our Membership Rewards Program; the more you use your Card, the more points you’ll earn. Use your American Express points however you like, be it on travel, shopping or putting them towards your account balance.
Events & Experiences
From concerts to the country’s biggest sporting events, enjoy truly memorable moments with American Express Experiences. Use your Card to get pre-sale tickets, securing some of the best seats with our reserved seating offers. Getting front row tickets to see world-famous artists has never been easier.
The American Express Platinum Card goes the extra mile
Platinum Card. Platinum service. Platinum rewards.
Get VIP treatment on every level with a Card that goes above and beyond. Discover a host of privileges, such as $450 travel credit each year1, airport lounge access2 and concierge services.
Apply for a Credit Card online
Our online application takes less than 10 minutes. Here’s how to apply for a Credit Card in three simple steps.
STEP 1
Read the Terms and Conditions
Once you’ve chosen a Credit Card, read the Terms and Conditions, then click ‘Apply now’ to start your application.
STEP 2
Provide a few details
You’ll need your driver’s licence and some financial information like income, employment details, superannuation and living expenses.
STEP 3
Get a response
We’ll get back to you within 60 seconds, as long as you’ve submitted all the required information.
Why American Express?
There’s so much to enjoy as an American Express Card Member, from Amex offers, events and travel experiences, to our amazing service, security and payment flexibility.
Who accepts Amex?
Frequently Asked Questions (FAQs)
Learn more about Credit Cards, their benefits and how they work.
A Credit Card gives you a line of credit that you can use to make purchases. You need to pay back the closing balance in full at the end of your statement period, so you’re not charged interest.
Find out more about how Credit Cards work.
A Credit Card gives you a line of credit that you can use to make purchases. You need to pay back the closing balance in full at the end of your statement period, so you’re not charged interest.
Find out more about how Credit Cards work.
You can complete our online application, as long as you’re eligible and have the relevant documentation.
Learn more about applying for a Card.
You can complete our online application, as long as you’re eligible and have the relevant documentation.
Learn more about applying for a Card.
On some Credit Cards, we charge fees in return for richer rewards, features and benefits. Learn about the Credit Card fees you may need to pay and the ones you can avoid.
On some Credit Cards, we charge fees in return for richer rewards, features and benefits. Learn about the Credit Card fees you may need to pay and the ones you can avoid.
Your Credit Card limit is decided when you’re approved for a Card, and it’s the maximum amount of credit that you can use.
Your Credit Card limit is decided when you’re approved for a Card, and it’s the maximum amount of credit that you can use.
You’ll be expected to pay Credit Card interest unless you repay your full closing balance by the statement due date, or within your Card's interest-free period.
You’ll be expected to pay Credit Card interest unless you repay your full closing balance by the statement due date, or within your Card's interest-free period.
A Credit Card has a set spending limit and enables you to pay off your balance in full at the end of the month, or over time. Charge Cards, on the other hand, have no pre-set spending limit, and you have to pay your balance in full every month.
Discover more differences between Credit and Charge Cards.
A Credit Card has a set spending limit and enables you to pay off your balance in full at the end of the month, or over time. Charge Cards, on the other hand, have no pre-set spending limit, and you have to pay your balance in full every month.
Discover more differences between Credit and Charge Cards.
Learn about Credit Cards
> What are the benefits of having a Credit Card?
> How do you apply for a Credit Card?
> How do Credit Card limits work?
> What is the difference between a credit and debit card?
> How does Credit Card interest work?
> What fees are there with a Credit Card?
> How do Credit Cards differ to Charge Cards?
> What is a Cashback Credit Card?
> What is a surcharge fee?
> What is a credit score?
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- Annual Travel Credit. Book through americanexpress.com.au/travel or by phone through Platinum Travel Service for flights, hotel or car hire. You may be able to use the Travel Credit on the American Express Travel website as payment towards Fine Hotels + Resorts and The Hotel Collection, if the selected hotel and room type provides you the option to prepay in advance. Benefit available for the Primary Card Member only to redeem in a single booking. For bookings less than $450, any unused portion of the Travel Credit will be forfeited. The Travel Credit cannot be carried forward to any subsequent year. To check the expiration date of your Travel Credit if you have not already redeemed it, please visit americanexpress.com.au/travel; log in and click Travel Credit Details in the top right hand corner. No refunds, including cancelled bookings. Travel Credit spend will not earn Membership Rewards points. For full Travel Credit Terms and Conditions visit americanexpress.com/australia/platinumtravelcreditterms. Please note Additional Cards are referred to as Supplementary Cards in some Terms and Conditions and marketing material.
- The American Express Global Lounge Collection. Includes the American Express Global Lounge Collection and Centurion Lounge Network, subject to conditions available at americanexpress.com.au/platinumlounges. Also includes access to the Priority Pass™ program, which is subject to enrolment and the Priority Pass Conditions of Use available at prioritypass.com/en/conditions-of-use. Priority Pass membership is available to the Primary Platinum Card Member and one Additional Platinum Card Member only, as nominated by the Primary Platinum Card Member. For more details and full Terms and Conditions visit americanexpress.com.au/platinumlounges. To continue to enjoy access to over 1,300 airport lounges in over 500 airports across 140 countries and counting, please visit americanexpress.com.au/platinumlounges for a list of available lounges.
- Annual Travel Credit. Book through americanexpress.com.au/travel or by phone through Platinum Travel Service for flights, hotel or car hire. You may be able to use the Travel Credit on the American Express Travel website as payment towards Fine Hotels + Resorts and The Hotel Collection, if the selected hotel and room type provides you the option to prepay in advance. Benefit available for the Primary Card Member only to redeem in a single booking. For bookings less than $450, any unused portion of the Travel Credit will be forfeited. The Travel Credit cannot be carried forward to any subsequent year. To check the expiration date of your Travel Credit if you have not already redeemed it, please visit americanexpress.com.au/travel; log in and click Travel Credit Details in the top right hand corner. No refunds, including cancelled bookings. Travel Credit spend will not earn Membership Rewards points. For full Travel Credit Terms and Conditions visit americanexpress.com/australia/platinumtravelcreditterms. Please note Additional Cards are referred to as Supplementary Cards in some Terms and Conditions and marketing material.
- The American Express Global Lounge Collection. Includes the American Express Global Lounge Collection and Centurion Lounge Network, subject to conditions available at americanexpress.com.au/platinumlounges. Also includes access to the Priority Pass™ program, which is subject to enrolment and the Priority Pass Conditions of Use available at prioritypass.com/en/conditions-of-use. Priority Pass membership is available to the Primary Platinum Card Member and one Additional Platinum Card Member only, as nominated by the Primary Platinum Card Member. For more details and full Terms and Conditions visit americanexpress.com.au/platinumlounges. To continue to enjoy access to over 1,300 airport lounges in over 500 airports across 140 countries and counting, please visit americanexpress.com.au/platinumlounges for a list of available lounges.