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The American&nbsp;Express Essential<sup>®</sup> Credit&nbsp;Card

The American Express Essential® Credit Card

Great benefits, no annual fee

Card TypeCredit Card
Annual Fee$0 p.a.
Interest Rate14.99% p.a. on purchases2
Interest Free PeriodUp to 55 days3

Smartphone Screen insurance of up to $500 each year

when you purchase your phone outright or pay your monthly phone bill with your American Express Essential Credit Card1

All Benefits


To save time before applying 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 aged 18 years or over
  • I am an Australian citizen or permanent resident or hold a long term visa
If all the above are true, apply today to start enjoying the benefits of Card Membership.

Please click here to read the Key Facts Sheet for this Credit Card

Important Information

Applying takes less than 10 minutes, and you could receive a response within 60 seconds

Applying takes less than 10 minutes, and you could receive a response within 60 seconds

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