Forget piles of paper – our online Credit Card application can be completed in as little as 10 minutes.
How to apply for a Credit Card in three easy steps
STEP 1
Once you’ve chosen a Card, read the Terms and Conditions, then click on the ‘Apply now’ button.
STEP 2
Complete the form with your name and contact information, as well as financial details including employment status, personal and household income and expenses.
STEP 3
Review all your information and submit your application once you’re satisfied. If you’ve provided all the required information, you could get a response within 60 seconds.
Please note, you may be required to provide supporting documents if required. If you have any questions, please call 1300 557 743 from Monday to Friday between 8:00 am and 6:30 pm AEST. Should add either in step 2 or 3 provide supporting documents if required.
How do I know if I’m eligible?
Before you can start your Credit Card application, there are some criteria you will need to meet.
To apply for an American Express® Credit Card you must:
- Be 18 years or over.
- Have a good credit history.
- Be an Australian citizen or permanent resident or hold a long term visa. Long term means 12 months or more and does not include a student visa.
- If self-employed, have been trading for at least 12 months.
What do I need to have ready before I apply?
When applying for a Credit Card, you’ll need to have some personal and financial information on hand.
Here’s what we’ll need before you start your application:
- Your driver’s licence (If available) – this will help us verify your identity.
- Personal information, including your current address and any previous addresses if you’ve lived at your current address for less than five years.
- A current email address and a mobile or landline phone number.
- Financial information including your annual household income, marital status, monthly living expenses, employment details and status (if retired), or other sources of income.
- Details of any other Credit Cards and loans you have and their balances.
Confirming your identity
Before we can finalise your Credit Card application, you’ll need to verify your identity. You can do this quickly and securely, using our online ID check.
What ID do I need?
Use your current Australian driver’s licence to verify your identity. We’ll need to know:
- Your driver’s licence number (not the card number).
- The state it was issued in
- The expiry date
How it works
- Apply for your selected American Express Card.
- Fill in and review the personal details in your application. Be sure to use your full legal name.
- Complete the rest of the application and submit when ready.
- We’ll automatically check the details entered in your application against external data sources to verify your identity.
Sometimes we might be unable to verify your identity online. This could be because the details entered don’t match exactly, you’ve recently moved addresses or due to another reason. In this case, once your application has been submitted, we’ll be in touch to collect the relevant documentation.
Verifying your income
To assess a new Credit Card application or a credit limit increase (if you already have an existing American Express Credit Card), we need to understand your financial situation by verifying your income.
How is my income verified?
During the application process, we’ll obtain your consent to verify your income using a third-party service. This is an online alternative to providing email or paper copies of your payslips and could help fast-track your application.
You may also need to provide proof of income like payslips or tax returns, by using the document upload service. You can also email them to newaccountsaustralia@aexp.com and mention your reference number. These methods take longer than using the online income verification service.
What is a credit assessment?
As part of your Credit Card application we’ll need to carry out an evaluation to ensure you’re able to meet the obligations of the Credit Card contract. We will perform the Credit check after stage one of the application.
- Your ability to repay
- Your financial responsibility
- Your chance of defaulting (not paying back your debt)
- Your credit history
To obtain your credit history information, we’ll review your ‘credit file’, a record of information that’s held by credit reporting agency, Equifax. To receive a copy of your credit file, visit mycreditfile.com.au.
Credit files are protected by the Privacy Act, and access, use, and disclosure are subject to obligations.
Your credit history
You begin to establish a credit history when you open an account with a telephone service provider, apply for a loan, or through your first Credit Card. The way you manage your accounts may impact your credit history.
Helping to establish a good credit history
Many credit providers will also review your credit file when reviewing your personal loan, mortgage, or Card application. Here are some things they may look at:
- The type of credit you’ve enquired about.
- How often you apply for credit and how much.
- Any overdue accounts listed against your name.
To maintain a good credit history, you should always pay your bills on time. If you’re moving to a new residential address, provide your lenders with your new address and other contact information to avoid late or missed payments.
Helping to establish a good credit history
Some things that credit providers may look at when reviewing your credit file are:
- The type of credit you have enquired about
- How often you apply for credit and how much
- Any overdue accounts listed against your name
To maintain a good credit history, you should always pay your bills on time. If you are moving house, ensure you provide your lenders with your new address and other contact information to avoid late or missed payments.
Learn more on how to improve your credit score.
Featured Cards
Receive $450 to spend on travel each year, which can be redeemed for eligible flights, hotels, or car hire when booked through American Express Travel1
Access to 1,400+ airport lounges in over 650 cities across 140 countries and counting2
Enjoy complimentary domestic and international travel insurance3 when you book your trip with your Card
Receive a $450 Qantas Travel Credit each Membership year4
Enjoy two Qantas Club lounge invitations each year after your first spend on selected Qantas Products and Services5 and two entries to The Centurion® Lounge each calendar year6
Enjoy complimentary domestic and international travel insurance7 when you pay for your trip with your Card
Receive $400 to spend on travel each year when booked through American Express Travel8
Earn Membership Rewards points for every $1 spent9
Pay for your phone or contract with your American Express Explorer® Credit Card and get Smartphone Screen Cover for up to $500 per claim10. A 10% excess applies to the claimed amount.
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.
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
No Annual Fee
Save more with no
annual fee
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.
Want to learn more about Credit Cards?
Understand fees
Take a closer look at Credit Card fees.
Your credit limit
Everything you need to know about Credit Card limits.
Interest explained
Understand how we calculate your monthly interest.
The American Express Platinum Card Terms & Conditions
1. Platinum Travel Credit. If your Card has a Travel Credit benefit, the Primary Card Member is eligible for an annual Travel Credit, subject to Travel Credit Terms and Conditions at americanexpress.com.au/platinumtravelcreditterms . The Travel Credit can be redeemed through American Express Travel Online on a single eligible travel booking by selecting the Travel Credit when you checkout. To redeem the Travel Credit, the full value of the Travel Credit (or more) must be charged to the eligible Primary Card. Eligible travel includes flights, hotels and car hire when you prepay in advance. The Travel Credit can be used for 365 days from the benefit anniversary date and cannot be used past the expiration date. 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’. If your booking is cancelled, and your Travel Credit has already been used and associated statement credit applied to your account, you will forfeit your annual Travel Credit benefit and American Express may reverse the statement credits issued. You need to be able to spend on the Card to access the Travel Credit benefit and it should be credited to your Card Account within 3 business days but may take up to 30 days. Your account must be in good standing and you must have paid the annual fee and minimum payment by the due date. If you cancel your Card, change your rewards program or Card type, you will no longer be eligible for the Travel Credit.
2.The American Express Global Lounge Collection
- The Centurion® Lounge: Platinum Card Members have unlimited complimentary access to all locations of The Centurion Lounge. Gold Card and Green Card Additional Cards on your Platinum Account are not eligible for complimentary access. Card Members may bring up to two (2) companions into The Centurion Lounge. Children under 2 years of age can access the lounge free of charge, provided an accompanying parent or guardian is able to produce a “lap infant” boarding pass or proof of age. Guest access policies may vary internationally by location and are subject to change. To access The Centurion Lounge, the Card Member must present The Centurion Lounge agent with the following upon each visit: their valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. The Centurion Lounge is a day of departure lounge. Platinum Card Members who have landed will not be able to access the lounge. Card Members with layovers or connecting flights who produce proof can access the lounge. Platinum Card Members cannot access The Centurion Lounge more than 3 hours before the scheduled departure time on their same day, confirmed boarding pass. This does not apply to Card Members with a connecting flight. Card Members will not be compensated for changes in locations, rates or policies. A Card Member must be at least 18 years of age to enter without a parent or legal guardian. For locations with a self-service bar, the Card Member must be of legal drinking age in the location’s jurisdiction to enter without a parent or legal guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Soliciting other Card Members for access into our lounge is not permissible. Access is subject to space availability. Hours may vary by location and are subject to change. Amenities vary among The Centurion Lounge locations and are subject to change. Services and amenities in the Lounge are complimentary, however you are responsible for any purchases and/or servicing charges you authorize our Member Services Professionals to perform on your behalf. Some American Express Cards are not eligible for all services provided by Member Services Desk. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside The Centurion Lounge. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with lounge access in any way or that you intend to do so, we may remove access to The Centurion Lounge from the Account. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice. The Centurion Lounge – Sydney & Melbourne, Australia: Guest access policies for The Centurion Lounges in Sydney and Melbourne, Australia may vary to the Global Lounge Collection terms. For more information on the Australian Lounges access, visit americanexpress.com.au/airportlounge
- Escape Lounges – The Centurion® Studio Partner: This benefit is available to the Platinum Card. Additional Gold Cards and Additional Green Cards on your Platinum Account are not eligible for complimentary access. Card Members receive complimentary access to any US location of the Escape Lounges. Card Member must present their valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. In some cases, Card Member must be 21 years of age to enter without a parent or guardian. Card Members may bring up to two companions as complimentary guests. Card Member must adhere to all house rules of participating lounges. Card Members and their guests will receive all of the complimentary benefits and amenities afforded to the Escape Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Escape Lounge locations are subject to change.
- Delta Sky Club: The Platinum Card Member must present their valid American Express Card, government-issued I.D., and boarding pass to the Delta Sky Club ambassador. Boarding pass must show a reservation for a same-day Delta-marketed or Delta-operated flight departing from or arriving at the airport in which the Delta Sky Club is located. Name on boarding pass must match name on the Card. Eligible Platinum Card Members on departing flights can only access the Delta Sky Club within 3 hours of their flight's scheduled departure time. During a layover between Delta-marketed or Delta-operated flights on the same ticket, you may use the Delta Sky Club in your connecting airport at any time during the layover. Round-trip same-day travel is not considered a layover. Delta reserves the right to limit access for non-revenue standby fliers at any Delta Sky Club. Additional Gold Cards and Additional Green Cards on your Platinum Card Account are not eligible for complimentary access through The Global Lounge Collection benefit. Access to Delta Sky Club partner lounges is not permitted. Individuals must be at least 18 years of age to access Delta Sky Club, and 21 years of age to access locations with a self-service bar, unless accompanied by a responsible, supervising adult who has access to the lounge. Card Members must adhere to all House Rules of participating clubs. Participating airport clubs and locations subject to change without notice. Additional guest access and fees subject to terms and conditions of participating airport clubs. For the most current Delta Sky Club access and pricing policy, please visit delta.com/skyclub. All Delta Sky Club rules apply to Delta Sky Club membership and use. To review the rules, please visit delta.com/skyclub.
- Plaza Premium Lounges: This benefit is available to Primary, Additional and Employee Platinum Card Members. Additional Gold Cards and Additional Green Cards on your Platinum Account are not eligible for complimentary access. Card Members receive complimentary access to any global location of Plaza Premium Lounges. The Platinum Card Member may bring up to 2 guests into the lounge at no additional cost. All lounge access fees for additional guest visits will be charged directly to the Platinum Card Member’s Card, and at the prevailing retail rate, per person, per visit. Lounge access for infants under two years of age is complimentary. To access the Plaza Premium Lounges, the Platinum Card Member must present their valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. Failure to present this documentation may result in access being denied. The Platinum Card Member must be at least 18 years of age to enter without a parent or guardian where there is a self-service bar. In some cases, Card Member must be 21 years of age to enter without a parent or guardian. Plaza Premium Lounge reserves the right to remove any person from a lounge for inappropriate behaviour or failure to adhere to lounge rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability and is not guaranteed. The full Plaza Premium Lounge Facilities Terms and Conditions are available at plaza-network.com/terms. Facilities, amenities, services and hours of operation may vary among locations and are subject to change. Terms and conditions are subject to change without prior notice.
- Virgin Australia: Access is complimentary for Primary Platinum Card Member and one complimentary guest only. The Primary Platinum Card Member and guest must be travelling with Virgin Australia domestically on the same Virgin Australia flight. Access is to Virgin Australia-branded lounges in Australia only. Name on boarding pass must match the name on Platinum Card and boarding pass must be presented. The Platinum Card Member and guest must present their valid Card and same-day boarding pass (containing your Virgin Australia Velocity Frequent Flyer number and status) to Virgin Australia lounge agents. One guest per Primary Platinum Card Member permitted. All access is subject to space availability. This benefit is subject to change.
- Priority PassTM: These Terms and Conditions govern American Express Platinum Card Members’ participation in and use of the Priority Pass™ program. Priority Pass is an independent airport lounge access program. Your Priority Pass benefit is limited to airport lounge access only. Non-lounge airport experiences in the form of credits for restaurants, cafes and bars are not available. Primary Platinum Card Members and one nominated Additional Platinum Card Member per Account are eligible for Priority Pass membership. At any visit to a Priority Pass lounge that admits guests, you may bring in 1 guest for no charge. You will be charged the prevailing retail rate for any additional guests. Some lounges do not admit guests. By enrolling in Priority Pass, you agree that you will be responsible for any additional accompanying guest visits and that your Card will be automatically charged after you have signed for the additional guest visit and it has been reported to Priority Pass by the participating lounge. Additionally, you acknowledge and agree that American Express will verify your Card account number and provide updated Card account information to Priority Pass. Priority Pass will use this information to fulfill on the Priority Pass program and may use this information for marketing related to the program. Once enrolled, Platinum Card Members whose Card account is not cancelled may access participating Priority Pass lounges by presenting your Priority Pass card and airline boarding pass. In some lounges, Priority Pass member must be 21 years of age to enter without a parent or guardian. Priority Pass members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package, and can be viewed at www.prioritypass.com. Upon receipt of your enrollment information, Priority Pass will send your Priority Pass card and membership package which you should receive within 4-6 weeks.
- Airspace: This benefit is available to the American Express Platinum Card. Additional Gold Cards and Additional Green Cards on your Platinum Card Account are not eligible for complimentary access. Card Member must present their valid Card, government-issued I.D. and confirmed boarding pass for same-day travel. In some cases, Card Member must be 21 years of age to enter without a parent or guardian. The Card Member may bring up to two companions into the club as complimentary guests per visit. Card Member must adhere to all house rules of participating lounges. Card Members and their guests will receive all of the complimentary benefits and amenities afforded to the Airspace Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Airspace Lounge locations are subject to change.
- Lufthansa: This benefit is available to the American Express Platinum Card. Additional Gold Cards and Additional Green Cards on your Platinum Card Account are not eligible for complimentary access. Platinum Card Members have complimentary access to select Lufthansa Business Lounges (regardless of ticket class) and Lufthansa Senator Lounges (when flying business class). To access the Lufthansa lounges, Platinum Card Members must present a government issued I.D., a same-day departure boarding pass showing confirmed reservation on a Lufthansa Group flight (Lufthansa, SWISS and Austrian airlines) and a valid Platinum Card. For the current list of participating lounges and access requirements, please use the Lounge Finder feature in the American Express App or visit americanexpress.com.au/platinumlounges. Card Members must adhere to all rules of participating lounges. Participating lounges and locations subject to change without notice. Additional guest access and fees subject to terms and conditions of participating lounges. In some Lounges the Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. For the most current Lufthansa rules and guest access and pricing policy, please visit lufthansa.com/de/en/lounges.
- Additional Global Lounge Collection Partner Lounges: American Express offers access to additional lounges in the Global Lounge Collection where Platinum Card Members have unlimited complimentary access to participating locations. Card Members must present their valid Platinum Card, a government-issued I.D., and a boarding pass showing a confirmed reservation for same-day travel on any carrier. Guest access and associated fees are subject to the terms and conditions of the participating lounge provider. Participation, locations, rates, and policies of lounges are subject to change without notice, and Card Members and their guests will not be compensated for such changes. Access is subject to space availability, including capacity restrictions and limited hours that may be placed on the participating lounge. Amenities, services, and hours may vary by participating lounge and are subject to change without notice. American Express will not be liable for any articles lost or stolen, or damages suffered by the Card Member or guests inside the participating lounge. For participating lounges with a self-service bar, the Card Member may be required to be of legal drinking age in the participating lounge jurisdiction to enter without a parent or legal guardian. All Card Members and their guests must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. Each participating lounge may have their own policy allowing for children under a certain age to enter for free with the Card Member who is a parent or legal guardian. Card Member must adhere to all house rules of participating lounges. Participating lounges reserve the right to remove any person from the premises for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive, or violent. If American Express, in our sole discretion, determines that the Card Member or their guests have engaged in abuse, misuse, or gaming in connection with access to participating lounges in any way, or that the Card Member or their guests intend to do so, we may remove access to the Additional Lounges from the Account. American Express and the participating lounge reserve the right to revise the rules at any time without notice. For the most current list of participating lounges and access requirements, please use the Lounge Finder feature in the American Express App or visit americanexpress.com.au/platinumlounges.
3. Platinum Card Insurance. IMPORTANT INFORMATION: If the unexpected happens on your travels and a medical emergency arises, your first port of call is Chubb Assistance. In the event of an incident and to ensure you get appropriate, and fast, treatment from a doctor who speaks your language, you must call Chubb Assistance on +61 2 9335 3492 or the number on the back of your Card before seeking medical treatment, or you may be responsible for your medical expense costs. The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Platinum Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Platinum Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
The Qantas American Express Ultimate Credit Card
4. Travel Credit. Qantas American Express Ultimate Primary Card Members are eligible for an annual $450 Qantas Travel Credit, subject to Qantas Travel Credit Terms and Conditions available at amex.com.au/qantasultimate-travelcreditterms. The Qantas Travel Credit can be redeemed through American Express Travel Online on a single eligible travel booking for Qantas Flights (i.e. a QF flight number on your ticket) by selecting the Qantas Travel Credit when you checkout. All Qantas Flight travel is subject to Qantas Conditions of Carriage. To redeem the Travel Credit, the full value of the Travel Credit (or more) must be charged to the eligible Primary Card. The Qantas Travel Credit can be used for 365 days from the benefit anniversary date and cannot be used past the expiration date. To check the expiration date of your Qantas Travel Credit if you have not already redeemed it, please visit americanexpress.com.au/travel; log in and click ‘Travel Credit’. If your booking is cancelled, and your Qantas Travel Credit has already been used and associated statement credit applied to your account, you will forfeit your annual Qantas Travel Credit benefit and American Express may reverse the statement credits issued. You need to be able to spend on the Card to access the Qantas Travel Credit benefit and it should be credited to your Card Account within 3 business days but may take up to 30 days. Your account must be in good standing and you must have paid the annual fee and minimum payment by the due date. If you cancel your Card, change your rewards program or Card type, you will no longer be eligible for the Qantas Travel Credit.
5. Qantas Club Lounge Access. Provided you are a Qantas Frequent Flyer and have registered your Qantas Frequent Flyer number with your Qantas American Express Ultimate Card, you are eligible to receive two Qantas Club Lounge Invitations each anniversary year of your Card Membership after purchasing on selected Qantas products and services using your Qantas American Express Ultimate Card. Selected Qantas products and services means Qantas passenger flights purchased directly from Qantas.com.au with a QF flight number; Qantas Frequent Flyer and Qantas Club membership joining and/or annual fees. Subject to the Qantas American Express Card Points Terms and Conditions. Within 1-2 weeks of purchasing selected Qantas products and services, two Qantas Club Lounge Invitations will be assigned to your Qantas Frequent Flyer account. Visit the Complimentary Invitations Portal to access your invitation, link it with an eligible Qantas flight booking or find out more information. Qantas Club Lounge Invitations are valid for a single visit by one guest to a Qantas Club Lounge and must be used prior to their expiry. Invitations are subject to the Qantas Club Terms and Conditions and are not valid for Qantas International First Class Lounges, the Qantas Chairman’s Lounge, Qantas Domestic Business and or oneworld® alliance partner or associated lounges. Qantas Club Invitations cannot be carried forward to any subsequent year and must not be sold, they may only be transferred as allowed by Qantas. Invitations may be revoked or withheld if your Qantas American Express Ultimate Card account is not in good standing, if the selected Qantas products and services are refunded in full or if you have not complied with these Qantas Club Invitation Conditions, the Credit Card Terms and Conditions or the Qantas Club Lounge Access Terms and Conditions.
6. The Centurion® Lounge.
Entry into The Centurion® Lounge is governed by the full Terms and Conditions available at amex.com.au/airportlounge. All entrants must adhere to the General Conditions of Entry. Qantas American Express Ultimate Members are entitled to a total of two (2) entries into The Centurion® Lounges in Australia per calendar year (1 January to 31 December). Complimentary access is available for the Card Member’s children 17 years and younger. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member's American Express Card.
7. Qantas Ultimate Card Insurance. The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Qantas Ultimate Credit Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Qantas Ultimate Credit Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
American Express Explorer® Credit Card Terms & Conditions
8. $400 Travel Credit. If your Card has a Travel Credit benefit, the Primary Card Member is eligible for an annual Travel Credit, subject to Travel Credit Terms and Conditions available at amex.com.au/explorer-travelcreditterms. The Travel Credit can be redeemed through American Express Travel Online on a single eligible travel booking by selecting the Travel Credit when you checkout. To redeem the Travel Credit, the full value of the Travel Credit (or more) must be charged to the eligible Primary Card. Eligible travel includes flights, hotels and car hire when you prepay in advance. The Travel Credit can be used for 365 days from the benefit anniversary date and cannot be used past the expiration date. 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’. If your booking is cancelled, and your Travel Credit has already been used and associated statement credit applied to your account, you will forfeit your annual Travel Credit benefit and American Express may reverse the statement credits issued. You need to be able to spend on the Card to access the Travel Credit benefit and it should be credited to your Card Account within 3 business days but may take up to 30 days. Your account must be in good standing and you must have paid the annual fee and minimum payment by the due date. If you cancel your Card, change your rewards program or Card type, you will no longer be eligible for the Travel Credit.
9. Membership Rewards. Subject to the Terms and Conditions of the Membership Rewards program available here. You will earn 1 point per dollar spent with Merchants classified as 'government', including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies, including where you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant.
10. Explorer Card Insurance. The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Explorer Credit Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Explorer Credit Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.