Chip & PIN and Contactless payments

The simple and secure ways to pay up the bill.

How to use Chip & PIN

The microchip inside your Card that keeps you safe while you shop.

Step 1

Insert your Chip Card into the terminal; it will stay there for the duration of the transaction.

Step 2

Follow the prompts and key in your unique four-digit PIN to authorize the transaction. Your PIN replaces your signature.

Step 3

You will be given a receipt to confirm that your transaction has gone through successfully.

How to select and view your PIN

We’ve made PIN management easy through your Online Services Account. Log in to your Account for information.

Frequently asked questions

From PIN management to Card security, find out everything you need to know about Chip & PIN payments below.

How to make a purchase with Contactless:

Contactless is the quick, easy and secure way to make payments up to $100 with your American Express Card. Simply tap your Card on the terminal, wait for the beep and you’re done.

Step 1

Check your Card and the store or reader has this Contactless symbol

Step 2

Tap your Contactless Card on the reader

Step 3

Spend up to $100 in a single transaction without a PIN

Managing your Account on the go

Mobile App Amex

Use the American Express® Mobile App to manage your Account, view your transaction history, or access AMEX offers any time, at any place.

Shop with confidence

At American Express, we take your security seriously. That’s why we have measures in place to ensure you can shop with confidence.


Protection against fraud

Get more peace of mind through our Intelligent Security Systems, Secure Payment Process, and Fraud Protection Guarantee1.

Protection on purchases

Damaged a purchase or having trouble getting a refund? With eligible Cards, you can rely on us to put things right with 90 days’ Purchase and Refund Protection2.

Protection against phishing

We’re continually updating our online security features, but there are also some simple steps you can take to protect yourself.

Where can I use my American Express Card?

American Express is already accepted at hundreds of thousands of places around Australia, including the places you love to shop, so you can enjoy Membership benefits and rewards more often.

What do you want from a Card?

Everyone’s different, so you need a Card that has benefits that best suit your lifestyle.
Choose the Card with benefits that best suit you.


Earn Membership
Rewards points from
everyday spending

Frequent Flyer

Maximise rewards
for every trip


Enjoy premium
benefits and service

Balance Transfer

Roll your Card
balances into one

No Annual Fee

Save more with no
annual fee

Live life to the fullest with American Express Membership

As an American Express Card Member, you get to enjoy travel benefits that take you further, points that are more rewarding, and services that open more doors around the world.