Apply for a Credit Card in three simple steps.

Forget piles of paper –
our online application takes less than 10 minutes.


Apply in three easy steps


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To make the application process as smooth as possible, you’ll need your Driver’s Licence (if available) and some financial information.

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

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As long as you have all the required information, your Credit Card application should take less than 10 minutes, and we can give you a response within 60 seconds.

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How do I know if I’m eligible?

There’s some primary criteria you’ll need to meet before you can apply for an American Express® Credit Card.

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What do I need to have ready before I apply?

Before you apply for an American Express Credit Card, you’ll need to have on hand, some important personal and financial information.

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How do I apply for a Credit Card?

Once you have chosen a Card, read the Terms and Conditions, then click the ‘Apply now’ button on your chosen Credit Card page to begin your application.

If you have any questions along the way, you can call 1300 557 743 toll free Monday to Friday between 8.00 am and 6.30 pm AEST.

Provided you have all of the required information to hand, your application should take less than 10 minutes to complete, and we will provide you with a response in 60 seconds.

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What is a credit assessment?

As part of your application for a new Credit Card we’ll need to carry out an evaluation to ensure you are able to meet the obligations of the Credit Card contract.

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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.

Featured Credit Cards

Receive a $400 Travel Credit each Membership year1

Earn Membership Rewards points for every $1 spent2

Pay for your phone or contract with your American Express Explorer® Credit Card and get Smartphone Screen Insurance for up to $500 per claim3

Receive a $450 Qantas Travel Credit each Membership year4

Enjoy 2 Qantas Club lounge invitations each year after your first spend on selected Qantas Products and Services5 and 2 American Express Lounge entries each calendar year6

Enjoy complimentary domestic and international travel insurance7 when you pay for your trip with your Card

Receive a $450 Platinum Travel Credit each year, which can be redeemed for eligible flights, hotels, car hire or unique experiences8

Complimentary access for you to over 1,200 Lounges with The American Express Global Lounge Collection9

Enjoy complimentary domestic and international travel insurance10 when you book your trip with your Card

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

Balance Transfer

Roll your Card
balances into one

No Annual Fee

Save more with no
annual fee

Want to learn more about Credit Cards?

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Understand fees

Some things you should know about Credit Card fees

Woman on bike ride

Your credit limit

Everything you need to know about Credit Card limits

Woman on holiday

Interest explained

See how we calculate your monthly interest