No annual fee doesn't mean no benefits. Find out if a no annual fee Credit Card is for you.
Why choose a no annual fee Credit Card?
With access to great Card Member only benefits such as American Express Experiences, a no annual fee Card provides both convenience and value.
Earn points on everyday spending
Membership Rewards points
Imagine tapping your Card at the check-out and earning Membership Rewards points on your everyday spending, just like that. Well, that’s how easy it is with a no annual fee Credit Card. You can redeem points for your choice of rewards including Gift Cards with major shopping, travel or entertainment retailers, sought-after entertainment and experiences, the latest fashion1 or even a credit on your Account2. You can even transfer Membership Rewards points directly to a participating airline rewards partner program including Singapore Airlines.3
To find out more ways you can use your Membership Rewards points, visit the Membership Rewards Catalogue. Full options available for your Card can only be seen once logged-in with your Account.
Frequent Flyer points
What’s more, with our eligible Qantas Credit Cards and Velocity Credit Cards, you can earn Velocity and Qantas Frequent Flyer Points directly on almost all purchases you make.
Great benefits with $0 annual fee
- Up to four Additional Cards at no extra cost4.
- Global Card support and 24/7 customer service.
- Online Fraud Protection Guarantee5.
- Refer a friend, and you could both earn Bonus Points6.
- Emergency Card replacement7.
Our no annual fee Credit Cards
Earn Membership Rewards® points on your everday spend8
Smartphone Screen Cover, covering up to $500 for repairs if you break your screen when you pay for your phone outright or monthly bill with your American Express Essential Credit Card.
A 10% excess applies to the claimed amount.9
Card Purchase Cover and Card Refund Cover10
Enjoy no cap on the amount of Qantas Points you can earn, plus we'll transfer your points straight to your Qantas Frequent Flyer account each month.
Card Purchase Cover and Card Refund Cover10
Enjoy no cap on the amount of Velocity Points you can earn, no spend cap on your earn rate, plus we’ll transfer your points straight to your Velocity Account each month.
Card Purchase Cover and Card Refund Cover10
American Express Low Rate Credit Card, winner of the 2023
‘No Annual Fee Credit Card’ Award, Finder
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.
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.
Rewards
Earn Membership
Rewards points from
everyday spending
Frequent Flyer
Maximise rewards
for every trip
Platinum
Enjoy premium
benefits and service
No Annual Fee
Save more with no
annual fee
HELLO POSSIBLE
From money-saving ideas to travel inspiration and daily life tips, get inspired to do great things and make your life more rewarding.
1. Gift Cards or Vouchers. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details. Gift Cards and Vouchers will be dispatched within 5 business days. Orders over $600 will be dispatched via Registered Post. Should you not receive your Gift Card or reward within the stated timeframe, you must advise American Express within 28 days from date of redemption.
2. Credit your Account. This is available to primary Card Members enrolled in the Membership Rewards program. A minimum of 1,000 Membership Rewards points must be redeemed at any one time. Any credit to your Card Account cannot exceed the amount of the relevant Eligible Charges or the current outstanding balance on your Account. Certain fees and charges are excluded. Points will be debited immediately and the credit can take up to 72 hours to appear online. Credits processed after the Card Account’s statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card Account by the due date. Corporate Card Members and David Jones American Express Card Members are not eligible. Subject to the Membership Rewards Terms & Conditions at membershiprewards.com.au.
3. Transfer to Airline Partners. As long as your Account remains current and in good standing. Membership Rewards Points Transfer is available to primary Card Members enrolled in the Ascent, Business Ascent, Spirit, Ascent Premium and Gateway Membership programs. Qantas Frequent Flyer is only available as a transfer partner in Business Ascent and Ascent Premium program. Virgin Atlantic Flying Club is not available as an Airline Transfer Partner in Gateway program. To redeem points, you must be a member of the transfer partner’s frequent traveller program. Enrolment in the partner program is solely your responsibility and fees may apply. Points transferred to Airline Transfer Partners are not reversible and transferred points are subject to the terms and conditions of the partner programs. The minimum required points to transfer and transfer rate varies. Subject to the Membership Rewards Terms and Conditions available here.
4. Additional Card Members. Additional Card Members must be 16 years of age or over. The Primary Card Member will be liable to pay for all transactions made by Additional Card Members. Earning of points is subject to the terms and conditions of the Rewards Program the Primary Card Member is actively enrolled. All points earned on Additional Card Member spend will go to the Primary Card Members Account. The Primary Card Member cannot add an Additional Card under their own name or email address and cannot add an Additional card under the name or email address of a previously approved Additional Card application on the Account.
5. Fraud Protection. Provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.
6. Refer a Friend. American Express discourages spamming. You should only send referral messages to friends and family who genuinely want to receive them. In order to be eligible for bonus points, your friend must apply using the referral link you send them. If your friend applies from a separate link or applies independently you will not receive bonus points. You cannot refer a friend who already has one of our Cards or has held one in the last 18 months and you will only receive the Bonus Points if your friend's Card application is approved. You may only send referral messages to a maximum of 20 friends and the amount of Bonus Points you may receive under the ‘Refer a Friend’ program is capped at 200,000 points per year. For full terms and conditions for your Card product please log in here.
7. Emergency Card Replacement. If your Credit Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you are not liable for any unauthorised charges.
8. Essential Credit Card Membership Rewards. Subject to the Terms and Conditions of the Membership Rewards Gateway program available at membershiprewards.com.au. You will earn 1 point per dollar spent with Merchants classified as 'government', including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn points at the government earn rate.
9. Smartphone Screen Cover. Insurance cover is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and is subject to the terms, conditions and exclusions contained in the American Express Essential Credit Card Insurances policy between American Express and Chubb available here. For Smartphone Screen Cover, maximum of 2 claims per 12 month period, maximum cover of $500 per claim and an excess of 10% of the claimed amount applies.
10. Card Purchase and Refund Cover. American Express Card Insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb