A closer look at
Credit Card fees

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.