A closer look at
Credit Card fees

Learn about the Credit Card
fees you pay and the ones
you can avoid.

Types of Credit Card fees

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.

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.


Credit Cards with no annual fee

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

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

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.

Want to learn more about Credit Cards?

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Applying for a Card
Everything you need to know about making an application

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Your credit limit
Everything you need to know about Credit Card limits

Man sitting outside on his latop

Interest explained
See how we calculate your monthly interest