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The American Express Essential® Credit Card

Essentially, rewarding
*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


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


Whether you’re out to lunch or off overseas, earn up to 1.25 Membership Rewards points for every $1 spent3


Cracked phone screen? No problem. Included Smartphone Screen Insurance has you covered with up to $500 for screen repairs when you pay for your phone or contract with your Essential Credit Card4


Being part of American Express gives you access to lots of great perks – from everyday offers to securing those all-important gig tickets

Be rewarded for living the good life

Earn reward points on all of life’s ‘essentials’ – from your daily coffee pick-me-up to picking up the groceries

For every $1 you spend on purchases, you’ll earn 1.25 Membership Rewards points3 except on those ‘not-so-fun’ life admin costs, spend on government bodies in Australia, where you earn 1 point per $1 spent.
  • Transfer your points to one of our 9 airline partners and get going sooner6
  • Get a fresh new outfit from David Jones – just shop online and check out with your points
  • Get a gift card from Uber, Hoyts, Westfield and more – the perfect gift for a friend (or yourself)7
  • You can even pay off eligible purchases with our Select + Pay with Points program8

    Points hack: Earn points even faster by adding up to 4 Additional Cards, for your family or friends, to your account at no extra charge9

All the good stuff

Not only does the American Express Essential Credit Card come with great benefits, but being a part of the American Express family gets you access to lots of perks too
  • No annual fee – it’s not every day you find a credit card that offers reward points with no annual fee
  • Smartphone Screen Insurance has you covered with up to $500 for screen repairs, twice a year, when you pay for your phone or contract with your Essential Card4
  • Tap and pay with Apple Pay, Samsung Pay and Google Pay on your phone
  • A low interest rate of 14.99% p.a. on purchases gives you the flexibility to pay off bigger purchases in your own time1
  • American Express Invites gives you access to pre-sale tickets and reserved seating to sought-after events – from that 90s band gig to that fancy movie premier
  • A promotional balance transfer offer of 0% p.a. for the first 12 months can 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 Calculator5

We’ve got your back

Shop with confidence, wherever and whenever, knowing American Express has got your back.
  • Purchase Protection - If an eligible 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 year4
  • Refund Protection - If you’re refused a refund on an unused eligible item within 90 days of purchase, we’ll reimburse you for up to $500 per claim and $2,000 per year, with no excess4
  • Online Fraud Protection - If you see something unusual on your statement, like an unauthorised charge, let us know immediately and you won’t be held responsible10
  • 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 on eligible items4
  • Emergency Card replacement - If your Card is lost or stolen, rest assured – we can usually have it replaced within 48 hours, virtually anywhere in the world11
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 aged 18 years or over
  • I am an Australian citizen or permanent resident or hold a current Business Long Stay Visa (subclass 457)
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.

Essentially, rewarding.