Card Accounts
Business Owners
Personal Cards
Popular Personal Cards
Online Travel
Business Travel
All Insurance Services
Travel Insurance
Membership Rewards
Card Member Offers & Benefits
Business Owners
Corporations
Global Network
Card Accounts
Business Owners
Personal Cards
Popular Personal Cards
Online Travel
Business Travel
All Insurance Services
Travel Insurance
Membership Rewards
Card Member Offers & Benefits
Business Owners
Corporations
Global Network
Forget piles of paper – our online Credit Card application can be completed in as little as 10 minutes.
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.
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:
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:
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:
How it works
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.
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.
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.
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.
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.
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:
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.
Some things that credit providers may look at when reviewing your credit file are:
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.
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.
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.
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
From money-saving ideas to travel inspiration and daily life tips, get inspired to do great things and make your life more rewarding.
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.Book through americanexpress.com.au/travel or by phone through Platinum Travel Service for flights, hotels 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.
Beginning 1 May 2023, you will need to use your annual $450 Travel Credit on a single travel booking of $450 or more on your eligible Card, made through American Express Travel Online. Your booking will be charged in full to your American Express Platinum Card and American Express will then credit $450 to your Account within 3 business days but may take up to 30 days. You will still receive your $450 Travel Credit each year, and your Travel Credit anniversary will remain the same.
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 Card Members are eligible for one $450 Qantas Travel Credit per year. The Qantas Travel Credit can be redeemed for any eligible Qantas flight booked (i.e. a QF flight number on your ticket) and paid online through American Express Travel in a single booking. All travel is subject to Qantas Conditions of Carriage. For bookings less than $450 any unused portion of the Qantas Travel Credit will be forfeited. The Qantas Travel Credit can be used from the anniversary date and cannot be carried forward to any subsequent year. Your Qantas Travel Credit for that year will be forfeited if you cancel your booking, subject to Qantas Travel Credit Terms and Conditions.
Beginning 1 May 2023, you will need to use your annual $450 Qantas Travel Credit on a single travel booking of $450 or more on your eligible Card, made through American Express Travel Online. The Qantas Travel Credit can be redeemed for any eligible Qantas flight booked (i.e. a QF flight number on your ticket). Your booking will be charged in full to your Qantas American Express Ultimate Card and American Express will then credit $450 to your Account within 3 business days but may take up to 30 days. You will still receive your $450 Qantas Travel Credit each year, and your Travel Credit anniversary will remain the same.
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. American Express Explorer® Credit Card Members are eligible for one Travel Credit of $400 per year. Subject to Travel Credit terms and conditions, to redeem the Travel Credit, you must have paid the annual fee and minimum payment by the due date. The Travel Credit can be redeemed for any eligible travel booked and paid online through American Express Travel in a single booking. For bookings less than $400 any unused portion of the Travel Credit will be forfeited. Eligible travel includes Flight, Hotel, Car Hire and may not be used towards Cruises. The Travel Credit can be used for 365 days from the anniversary date and cannot be carried forward to any subsequent year. Your Travel Credit for that year will be forfeited if you cancel your booking, subject to supplier’s terms and conditions plus applicable fees.
Beginning 1 May 2023, you will need to use your annual $400 Travel Credit on a single travel booking of $400 or more on your eligible Card, made through American Express Travel Online. Your booking will be charged in full to your American Express Explorer Credit Card and American Express will then credit $400 to your Account within 3 business days but may take up to 30 days. You will still receive your $400 Travel Credit each year, and your Travel Credit anniversary will remain the same.
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.
