Learn about the Credit Card
fees you pay and the ones
you can avoid.
On some Credit Cards, we charge an annual Card fee in return for richer rewards, features, and benefits. The amount, and value of the rewards and benefits, varies from Card to Card. In addition to an annual fee, you may be subject to the following fees.
| Types of fees | Amount |
|---|---|
| Additional Statement Fee | $10 |
| Cash Advance Fee (enrolled Card Members only) | $2.50 or 2% of the cash advance amount (whichever is greater) |
| Currency Conversion Fee | 3% of the converted amount |
| Dishonour Fee | $6 for each dishonour or debit rejection |
| Late Payment Fee | $30 |
| Over The Counter Fee | $3 |
| Record of Charge | $7 for charges in Australia, $10 for other charges |
Cash Advance Fee (enrolled Card Members only): Payable if you withdraw cash from your Credit Card account from an ATM.
Currency Conversion Fee: Payable when any charge is processed in a currency other than Australian dollars.
Dishonour Fee: Payable if there aren’t enough funds in your nominated account to pay the Card Account or if the whole or part of a payment by direct debit is rejected.
Additional Statement Fee: Payable if you or an Additional Card Member requests an additional posted monthly paper statement. You may access statements free of charge through your online Account.
Late Payment Fee: Payable if you do not pay the minimum payment required by the due date as shown on your statement.
Over The Counter Fee: Payable if you pay your Card Account in person at Australia Post1.
Record of Charge: Payable if you or an Additional Card Member requests a copy of an individual charge.
When do I pay my annual fee?
We will charge the annual Card fee in the month of your Card Membership anniversary.
How can I avoid paying an annual fee?
We have several Cards that do not come with an annual fee, offering both convenience and value. Find out if a no annual fee Card is right for you.
What is a Credit Card surcharge?
A surcharge is a fee that a business charges a customer for using a Credit Card to make a purchase. While American Express® strongly opposes surcharging, it is a cost that a business can choose to pass on to a customer if they wish.
Protect your Smartphone Screen with Insurance2 (up to $500 for screen repairs to your Smartphone when you pay for your phone or contract with your Essential Credit Card)
Earn Velocity Frequent Flyer Points on your everyday spend
Earn Qantas Frequent Flyer Points on your everyday spend
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
Balance Transfer
Roll your Card
balances into one
No Annual Fee
Save more with no
annual fee
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.
Applying for a Card
Everything you need to know about making an application
Your credit limit
Everything you need to know about Credit Card limits
Interest explained
See how we calculate your monthly interest
1. Over the Counter Fee. In order to make payments in person at Australia Post you must present your Card and current account statement. Cash payments are limited to the closing balance as shown on your current account statement. If you are enrolled in Online Statements you cannot make payments in person at Australia Post Offices.
2. Smartphone Screen Insurance. The American Express Essential Credit Card insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits) - see the full terms and conditions available here. You must use your American Express Essential Credit Card to pay for eligible items in order to be covered under the insurance. For Smartphone Screen Insurance, maximum of 2 claims per 12 month period, maximum cover of $500 per claim and an excess of 10% of the claimed amount applies. The insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Card members are not a party to the group policy, but may be able to claim under it as third party beneficiaries. This webpage does not take into account your objectives or financial situation. You should read the full terms and conditions to decide if this insurance meets your needs.
