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The American Express Essential® Credit Card

A Rewards Card with $0 annual fee
*Terms & Conditions

Card Type
Annual Fee
$0 p.a.
Interest Rate
14.99% p.a. on purchases1
Interest Free Period
Up to 55 days2

Key Benefits

MEMBERSHIP REWARDS®

Earn up to 1 Membership Rewards® point for every $1 spent3

SMARTPHONE SCREEN INSURANCE

Protect your Smartphone Screen with Insurance4 (up to $500 for screen repairs to your Smartphone when you pay for your phone or contract with your Essential Credit Card)

0% p.a. BALANCE TRANSFER

0% p.a. on balance transfers for the first 12 months5 — A one-off credit plan establishment fee of 3% applies. Learn More

LOW INTEREST RATE

Low interest rate of 14.99% p.a. on purchases1

Treat Yourself

Earn points on your eats, those sneakers you just have to have, or tickets to a life changing concert with the Essential Credit Card

For every $1 you spend on purchases, you’ll earn 1 Membership Rewards point3 except on those ‘not-so-fun’ life admin costs including spend on utilities, insurance, telecommunications and government bodies in Australia where you earn 0.5 points per $1 spent

The best thing is that the points you earn from your spend can be redeemed. So the more you spend the more you get to treat yourself! This includes;
  • Travel with 8 airline partners6. Just transfer your points to one of our airline partners and book your next flight on points!
  • A fresh new kit from David Jones. Just shop online and checkout with your points
  • A gift card7 from your favourite retailers. Perfect gift for the friend who has everything
  • Or pay off your purchases with the Select + Pay with Points program8

    The easiest way to grow your points is with a supplementary Card (up to 4) for family members or your ‘plus one’ at no additional cost9

Some sweet benefits

American Express offers unique and effective tools and services to save you time and help you stay on top of your finances
  • $0 Card with heaps of benefits but no annual fee #winning
  • Tap and pay with Apple Pay, Samsung Pay and Google Pay on your phone
  • A low interest rate of 14.99% p.a. on purchases1 offering you flexibility to pay off those necessary purchases in your own time
  • Protect your Smartphone Screen from a life shattering crack. Pay your phone bill or monthly contract on your Card and have your own back when it comes to a busted phone. With Smartphone Screen Insurance we’ll reimburse you for the cost of the screen repair up to $500 with a 10% excess per claim4
  • Exclusive discounts and offers from your favourite brands which can be saved straight to your Card with our exclusive Amex Offers program
  • American Express Invites – giving you access to a wide range of sought-after events, including music, theatre and film, often before tickets go on sale to the general public. Purchase all your friends tickets to earn more rewards points
  • A promotional balance transfer offer of 0% p.a. for the first 12 months5 to help you pay off your other balances. A one-off establishment fee of up to 3% applies and you can transfer up to 70% of your approved credit limit to a maximum of $10,000. This offer is for new applicants only. See how much you could save with our Balance Transfer Calculator

World Class Service

When you pay for purchases using your Essential Credit Card you can enjoy being protected.
  • Purchase Protection - if an item is stolen or breaks within 90 days of purchase, it can be repaired or refunded up to $2,500 per claim, up to $10,000 per year and with a $50 excess per claim4
  • Buyer’s Advantage – extends the manufacturer’s warranty by up to 12 months for up to $7,000 per claim and $7,000 per year, with no excess4
  • Refund Protection - if you have a change of heart and are refused a refund on an unused item within 90 days of purchase, you will be reimbursed for up to $500 per claim and $2,000 per year, with no excess4
  • Online Fraud Protection - guarantees you against unauthorised charges. If you see something unusual on your statement, let us know immediately and you won’t be held responsible10
  • Emergency Card replacement - if your Card is lost or stolen, rest assured because we can usually have it replaced within 48 hours, virtually anywhere in the world11
Eligibility
Before you apply for your Essential Credit Card, make sure you can say yes to the following:
  • I have an annual income of $40,000 or more
  • I agree to access my statements online through American Express
  • I have no history of bad debt or payment default
  • I am an Australian citizen or permanent resident or hold a current Business Long Stay Visa (subclass 457)
  • I am aged 18 years or over
If you can say yes, go ahead. Your application takes less than 10 minutes and we may be able to give you a response in less than 60 seconds - so apply now


Read the
Key Facts Sheet for this Credit Card.

Go for it

Apply Now