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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

Get $200 back

When you apply, are approved and spend $1,500 on your card in your first 3 months of Card Membership. T&Cs apply. New Card Members only 1

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 of 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