Plan It™ Frequently Asked Questions

Most American Express Card Members can enjoy Plan It. If your Card is eligible, you will be able to start creating instalment plans via your Online Account or the Amex App.

David Jones Credit and Store Cards, as well as American Express Corporate, Small Business and Charge Cards are not eligible for Plan It.

You can create a new instalment plan through your Online Account or through the Amex App in three simple steps:

Step 1 – Choose how much of your balance you want to pay off through Plan It
Step 2 – Select your plan
Step 3 – Review and submit your plan

You can create a plan anytime between your statement date and your payment due date.

If you have a direct debit set up on your account, you can create a plan up to 24 hours before your direct debit due date.

Yes, you will be charged a fixed monthly plan fee on each instalment plan. This monthly plan fee will be charged each month that your plan is active.

When you create a new plan, you’ll be shown the term and fee options that are available, so you can decide what works best for you.

The minimum amount you can pay off with Plan It is $150. There’s no fixed maximum amount, however it must consist of new purchases from your most recent statement. Some balances may not be eligible for Plan It, including balance transfers, cash advances, fees, interest, or balances on a promotional rate. When you create a new plan, you’ll be shown the amount you can plan.

Yes, you can create multiple instalment plans per month, and the amount of plans you can have at once depends on your Card and credit limit.

No, only primary Card Members and Authorised Account Managers with full access to your account can create instalment plans.

No, using Plan It won't increase your credit limit.

You may still be eligible for interest free periods on purchases not in a plan if, each month, you pay off the full closing balance plus your Plan It monthly instalment(s) by the due date.

Yes, if you’ve made a mistake or have simply changed your mind, you can cancel your instalment plan at any time with no cancellation fee. Any remaining plan balance will go back onto your standard balance and any monthly plan fees already billed will not be refunded.

We’ll send you a confirmation that we’ve received your request to cancel your plan. Please keep in mind it takes 24-48 hours for your balances to update after cancelling a plan.

At this time, it’s not possible to make changes to your instalment plan once it’s been created.

As usual, the refunded amount for a returned purchase will be applied as a credit to your standard balance.

However, your remaining Plan It balance will not be adjusted by the amount of the returned purchase. Instead, it’ll continue until the balance is paid off or the plan is cancelled.

You’ll get a notification from us confirming we’ve received your request to create an instalment plan. It will take 24-48 hours to set up, then you’ll be able to see the details on your Online Account or Amex App.

You can see your instalment plans anytime through your Online Account or your Amex App by selecting ‘Plan It™ Instalments’.

A summary of all your instalment plans also appears on your monthly statement. Learn how to read your statement here.

Any monthly instalment that you need to pay are included in the minimum payment due on your monthly statement. You’ll need to pay this by the due date.

Click here for more info on how to read your statement.

If you don’t pay your minimum payment due (which includes your Plan It instalments) by the payment due date, your account may become overdue and you will be charged a late payment fee and interest until you make a payment.

Any existing Plan It instalments will remain active on your account until they are paid or cancelled.

No, you can’t make extra payments towards your instalment plans as the monthly payments are fixed. Any extra payments you make will be applied to your standard balance, not your remaining Plan It balance.

If you’d like to pay your remaining Plan It balance in full, you’ll need to cancel your plan.

If you use Plan It and have set up a direct debit to pay the full closing balance each month:

• After you create a new instalment plan, the following direct debit amount will be adjusted to take the full closing balance minus the amount you have moved to an instalment plan.
• For all direct debits after the initial direct debit mentioned above, the amount taken will be for the full closing balance which includes the instalment due that month. This won’t include any instalments not due yet.

If you use Plan It and have set up a direct debit to pay:

• the minimum balance each month, the amount taken will include your Plan It monthly instalment.
• a fixed amount each month, the amount taken will be the minimum due, which includes the Plan It monthly instalment, or the nominated fixed amount. Whichever is higher.