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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

How You Earn Membership Rewards Points

1.25

POINTS

on purchases excluding government bodies in Australia4

per $1 spent

1

POINT

on purchases at government bodies in Australia4

per $1 spent

All Benefits

Eligibility

To apply for The Essential Credit Card you need to:
  • Have an annual income of $40,000 or more
  • Have no history of bad debt or payment default
  • Be aged 18 years or over
  • Agree to access statements online through American Express
  • Be an Australian citizen, permanent resident or hold a long term visa

Documentation

Documents and information to have ready:
  • Australian Driver's License number (if you have one)
  • Details of your income, expenses, and debts
  • Proof if income (e.g. payslips)

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