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What is a
Charge Card?

More flexibility over your finances.
More freedom for you.

A quick guide to Charge Cards

What is a Charge Card?

With a Charge Card, you’ll need to pay off the full balance each month. Charge Cards have no pre-set spending limit1, although that does not mean unlimited spending. Your purchases are approved based on a range of factors. As we get to know you, we’ll be able to adjust how much you can spend on your Card.

How do Charge Cards differ to Credit Cards?  

A Charge Card has no pre-set spending limit1. Just bear in mind that the balance on your Card will need to be paid in full every month. A Credit Card has a set spending limit. With a Credit Card, at the end of each month, you can choose to pay off your balance in full, or make payments over time. There is a minimum amount that needs to be paid and not paying your whole balance in full will incur interest charges.

What are the benefits of a Charge Card?

  • No interest

    A Charge Card does not incur interest, however you will need to pay your balance off in full every month, as a fee is incurred if the amount is not paid off in full2.

  • Improved cash flow

    No pre-set spending limit1 gives you greater purchasing power. All you need to do is pay the balance off in full every month.

  • Earn points on purchases

    With no pre-set spending limit1, you can increase the points you earn along the way – meaning rewards are yours even sooner.

The American Express® Platinum Card

  • $450 to spend on travel each year, which can be redeemed for eligible flights, hotels, car hire or unique experiences when booked through American Express Travel2


  • Access to 1200+ airport lounges across more than 130 countries4


  • Complimentary benefits averaging $700* of included value with FINE HOTELS + RESORTS5


  • Complimentary Accor Plus membership valued at $399 per year6


  • Complimentary travel insurance for Primary and up to 4 Additional Card Members7

Anything else you’d like to know about Credit Cards?

Get the lowdown on Card limits, interest rates, fees and the benefits of travelling outside of Australia with your American Express Card.

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

No Annual Fee

Save more with no
annual fee

David Jones

Make your everyday
spend go further

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.