Play now,
pay later
with Plan It™ Instalments
The different way to pay off your Credit Card balance in equal monthly instalments
Enjoy the flexibility and control of paying with Plan ItTM
Pay different with
Plan It™ Instalments
Plan It™ is a feature on your Credit Card that allows you to pay off a portion of your Credit Card Balance in equal monthly instalments at 0% p.a. interest and a fixed monthly fee*.
Simply spend on your Card as usual, and when you get your next monthly statement, choose a portion of the balance to pay off in instalments with Plan ItTM. You’ll know exactly how much to pay each month and can cancel anytime.
See your instalment payments with the Plan It™ Calculator.
Here’s how Plan ItTM works
1
Select an amount of $150 or more to pay in instalments with Plan ItTM
2
Choose a plan option that works for you. You can choose 3, 6 or 12 months
3
Review and confirm. Your plan amount is automatically included in your Minimum Payment Due each month
1
Select an amount of $150 or more to pay in instalments with Plan ItTM
2
Choose a plan option that works for you. You can choose 3, 6, 9 or 12 months
3
Review and confirm. Your plan amount is automatically included in your Minimum Payment Due each month
Plan your payments with our Plan It™ Calculator
See how Plan It works. Enter an amount of $150 or more that you would like to move into an instalment plan. You will be shown the monthly instalment and fee for each plan duration. Figures quoted are indicative only, actual amounts will depend on the American Express Card product you hold. Terms and Conditions apply.*
3 months
6 months
12 months
Plan ItTM in 3 easy steps
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Frequently Asked Questions
Once you’ve received your Monthly Statement, right up until your Payment Due Date, you can select what portion of your balance over $150 to pay using Plan ItTM Instalments.
Most American Express Card Holders 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.
Once you’ve received your Monthly Statement, right up until your Payment Due Date, you can select what portion of your balance over $150 to pay using Plan ItTM Instalments.
Most American Express Card Holders 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 Plan ItTM instalment plan through your Online Account or through the Amex App in three simple steps:
Step 1 – Select an amount of $150 or more to pay in instalments with Plan ItTM
Step 2 – Select a plan duration that suits you, you can choose 3,6,9 or 12 months.
Step 3 – Review and submit your plan. Your Plan ItTM Instalment amount will be automatically added to your Minimum Monthly Due each month so you’ll know exactly how much you’ll need to pay.
You can create a Plan ItTM instalment plan through your Online Account or through the Amex App in three simple steps:
Step 1 – Select an amount of $150 or more to pay in instalments with Plan ItTM
Step 2 – Select a plan duration that suits you, you can choose 3,6,9 or 12 months.
Step 3 – Review and submit your plan. Your Plan ItTM Instalment amount will be automatically added to your Minimum Monthly Due each month so you’ll know exactly how much you’ll need to pay.
No. Instead, you’ll pay a fixed monthly plan fee for the duration of your plan. You’ll see all fees when you set up your plan.
No. Instead, you’ll pay a fixed monthly plan fee for the duration of your plan. You’ll see all fees when you set up your plan.
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.
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.
Want to know more? View all Plan It FAQs
*Plan It™ Terms and Conditons
- You can create an Instalment Plan as long as your account is in good standing. We may limit the amount that can be transferred to an Instalment Plan.
- Each Instalment Plan will begin from the date it is successfully created, as communicated to you in your Online Account.
- Payment of your first Monthly Instalment will be due in your next payment cycle.
- You will be charged a Monthly Plan Fee for each Instalment Plan created.
- This fee will be charged each month your Instalment Plan is active and will be notified to you before you create the Instalment Plan.
- View the full Plan It™ Instalment Terms and Conditions here
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