Apply for a Credit Card online

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


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Once you’ve chosen a Card, read the Terms and Conditions, then click on the ‘Apply now’ button.

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Complete the form with your name and contact information, as well as financial details including employment status, personal and household income and expenses.

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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.

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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.

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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.

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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

  1. Apply for your selected American Express Card.
  2. Fill in and review the personal details in your application. Be sure to use your full legal name.
  3. Complete the rest of the application and submit when ready.
  4. 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.



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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 and mention your reference number. These methods take longer than using the online income verification service.



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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.

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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.


Earn Membership
Rewards points from
everyday spending

Frequent Flyer

Maximise rewards
for every trip


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?

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