Credit Cards and Charge Card: how they work, fees and smart usage
Card Know How by American Express
There are lots of different types of Cards. Discover how Credit Cards and Charge Cards work and how to choose yours.
Credit Cards are one of the most common financial tools and understanding how they work is essential. From interest rates and fees to credit scores and repayment strategies, there are several factors to consider before applying for or using a Credit Card.
This guide explains everything you need to know about Credit Cards and Charge Cards, including how they work, how interest is calculated, and how to use them responsibly. Whether you're new to Credit and Charge Cards or looking to improve your financial knowledge, this resource will help you make informed decisions.
How Credit Cards and Charge Cards work
Learn how Credit Cards and Charge Cards work, including flexible spending power, credit score and billing cycles. Understanding the basics can help you manage your Card effectively and avoid unnecessary debt.
What is a Charge Card?
What is flexible spending power on Charge Cards?
Credit Card vs debit Card
What is a credit score?
Card fees and interest
Understand Credit Card interest, Annual Percentage Rate (APR) and common fees. Learn how charges are calculated and how to reduce or avoid paying extra when using your Credit Card.
Card fees
Credit Card interest
Card surcharging
Understanding Credit Card limits, repayments and balance transfers
Learn how credit limits work, how to manage repayments effectively and when to consider a balance transfer, to help you make more confident financial decisions.
Credit limits
Credit Card repayment
Balance transfer
Getting & using a Credit Card or Charge Card
Learn how to apply for a Credit Card or Charge Card, what affects approval, and how to use your Card responsibly. Build better habits and improve your credit over time.
Card application
Credit Card benefits & risks
Who accepts Amex?
Earning & redeeming points
Using your Amex Card abroad
Types of Credit Cards and Charge Cards
In Australia, there is a wide range of Credit Cards and Charge Cards available to suit different lifestyles and needs.
You can choose Cards with travel perks, rewards Cards to maximise everyday points, premium Cards with elevated benefits or no annual fee Cards for lower cost options. Frequent flyers can also earn airline loyalty points like Qantas or Velocity points, while Business Cards can help manage expenses and cash flow.
Check out the range of American Express Cards to find the right Card for you.
Access more insights on Credit Cards and Charge Cards
Useful links
Download the Amex App today and control your Account directly from your smartphone.
Explore the Membership Rewards® programme available on selected American Express Cards.
Whether you’re just getting started, looking to pay a bill or travelling overseas, learn more about managing your Amex Card.
Access Amex Customer Service and read our FAQs.
Life With Amex: make the most of Amex Cards
Read our Life With Amex articles and discover tips on managing your Card, lifestyle inspirations, travel recommendations, event ideas and business insights.
Life With Amex: make the most of Amex Cards
Read our Life With Amex articles and discover tips on managing your Card, lifestyle inspirations, travel recommendations, event ideas and business insights.