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The American Express Essential® Credit Card

*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

Smartphone Screen Insurance of up to $500 for screen repairs to your Smartphone when you pay for your phone or contract with your Essential Credit Card4

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

Enjoy a low interest rate of 14.99% p.a. on purchases1

Reward Yourself

With the Essential Credit Card, you’ll be enrolled in the Membership Rewards Gateway program3, with no points cap, plus the points you earn per $1 spent stays the same, regardless of your monthly spend
  • Earn 1 Membership Rewards point per dollar spent on purchases3 except utilities, insurance, telecommunications providers and government bodies in Australia where you will earn 0.5 points per dollar spent3
  • No cap on earn rate. You can earn up to 1 Membership Rewards point per $1 spent, no matter how much you spend each month
  • Transfer your points to a choice of 8 airline rewards partner programs6, or redeem online for a gift card7 from one of our top retail partners
  • Use your points to pay charges on your statement with Select + Pay with points8, saving your hard-earned cash
  • Spend more and earn more points by getting up to 4 Supplementary Cards for family members at no additional fee9

Take advantage of

American Express offers unique and effective tools and services to save you time and help you stay on top of your finances
  • $0 annual fee
  • A low interest rate of 14.99% p.a. on purchases1 to help you manage your finances
  • Smartphone Screen Insurance for screen repairs if you accidentally break your Smartphone screen. We will reimburse you for the cost of the screen repair up to $500 with a 10% excess per claim4
  • Money saving offers from top 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
  • A promotional balance transfer offer of 0% p.a. for the first 12 months5 to help you save on interest repayments and pay your other balances sooner. A one-off 3% credit plan establishment fee 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 American Express Essential Credit Card you can enjoy cover with the following protection:
  • Purchase Protection - if an item is stolen or breaks within 90 days of purchase, it can be repaired or refunded up to $2,400 per claim, up to $10,000 per year and with a $40 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 $400 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
  • This American Express Card is eligible for use with Apple Pay, Samsung Pay and Android Pay.
Eligibility
Before you apply for your Essential Credit Card, make sure you can say yes to the following:
  • I am aged 18 years or over
  • I am an Australian citizen or permanent resident or hold a current Business Long Stay Visa (subclass 457)
  • I have a personal or household gross (pre-tax) 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
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.

Ready to Apply?

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