Shopping and Credit Card Protection

American Express^® Card protection benefits mean you can shop with confidence using your eligible Charge or Credit Card for every purchase. Find out how Purchase and Refund Protection works.

Secure shopping, both online and in-store

We keep looking out for you even after you've made your purchase and brought it home. Our range of Card protection benefits means you can shop with confidence using your eligible Charge or Credit Card for every purchase.

Purchase Protection

We know how frustrating it is to buy something that you love, only to find that it is lost, has been stolen or damaged. With 90-days Purchase Protection on selected American Express Cards, you can rest assured knowing we’ll reimburse you for repair, replacement or accidental damage for new purchases made on your American Express Card, up to $500¹.

Please refer to the Terms and Conditions of your eligible Card to view full details on Purchase Protection.

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Refund Protection

If you’re having trouble getting a refund, 90-days Refund Protection can help. Simply ensure the purchase was made on an eligible American Express Card and we'll reimburse up to $500 per item¹.

Please refer to the Terms and Conditions of your eligible Card to view full details on Refund Protection.

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Extended Warranty

If your warranty has run out, just as you need it, Extended Warranty might have you covered. With select American Express Cards, eligible purchases will enjoy an extended manufacturer’s warranty of up to 12 months. You’ll be covered for up to $10,000 per year and $10,000 per claim, with no excess¹.

Refer to the Terms and Conditions of your eligible Card to view full details on Extended Warranty.

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Other service and security benefits

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Prevent Phishing

A range of simple and effective ways to protect yourself from phishing.

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SafeKey Secure Technology

Cutting-edge Secure technology adds extra levels of security to protect you against online fraud.

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Fraud Protection and Alerts

Use your Card with confidence, prevent fraud and shop safely.

American Express Card Insurance. American Express Card Insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and are subject to the terms, conditions and exclusions contained in the American Express Card Insurances policy between American Express International Inc (ABN 15 000 618 208 AFSL 237996) (AEII) and Chubb. The Insurances do not take into account your objectives, financial situation or needs. The Insurances are subject to change. It is important for you to read the Insurances and consider the appropriateness of that Insurance in relation to your individual requirements. Full details of the Insurance benefits currently available on your Card can be found in the terms and conditions issued with your Card or by calling the number of the back of your Card.