American Express® Rewards Credit Cards

Whether it’s a new outfit or travelling to a new destination, enjoy endless treats with American Express Rewards Credit Cards and Charge Cards.

What is the American Express Membership Rewards Program?

Our Membership Rewards loyalty program rewards Card Members with Membership Rewards points whenever they use their American Express® Card. The more you use your Card, the more Membership Rewards points you can earn. Membership Rewards points can then be redeemed for travel, Gift Cards, entertainment, experiences, and so much more.

Man travelling with wife on boat overseas
Couple taking photograph on holiday

How can you earn points faster?

Many Rewards Cards from American Express earn more than 1 point per dollar spent at certain locations. It’s just one of the ways you can maximise your points earning potential and make your Card work harder for you.
Ways to earn points:

  • Use your Card to pay for regular items like your mobile phone bill, Uber rides, or your gym membership.
  • Add an Additional Card1 to your Account for a family member and all points earned on purchases made on their Card will be credited back to you.
  • Refer a friend and you could both earn Bonus Points2

Refer your friend and earn Bonus Points

Did you know you can be rewarded for referring a friend to American Express?
Earn up to 200,000 Bonus Points a year for successfully referring friends.

T&Cs apply.

Friends skating

Make the most of your Credit Card reward points

There are lots of ways to enjoy Membership Rewards points. The hard part is choosing what to redeem them on.
From shopping to globe-trotting, it’s up to you.

Man and woman at airport

Travel and holidays

Whether you’re planning a weekend away or the trip of a lifetime, American Express offers a selection of Credit Cards great for travel. Eligible Cards let you exchange points for flights with a number of leading airlines3. You can get away before you fly away too, with some Cards entry into the The Centurion® Lounge at Sydney Airport or Melbourne Airport, twice a year.4.

Man trying on hat in shop

Shop with Points

Use your Membership Rewards points to make purchases online at David Jones, or pay with a combination of points and Card payment5. You could even enjoy complimentary clothing alterations and invitations to exclusive fashion events. Or use your points to shop online at Myer6 including women’s, men's, electronics, homewares and so much more. You can also use points to pay off eligible charges on your Account7.

Woman typing credit card details on laptop

Gift Cards

Redeeming your Credit Card points on a Gift Card is a great way to access a wide variety of brands from a range of retail, entertainment and travel partners8. You could treat someone special with a Gift Card from one of Australia’s top retailers from Coles, Myer to Harvey Norman. The choice is yours.

Explore Rewards Credit Cards and Charge Cards

An American Express Rewards Card is your key to experiencing more. Find out more about what each Card has to offer below.

Elevate your experience

Receive a $450 Travel Credit each Membership year9

Access to 1,400+ airport lounges in over 650 cities across 140 countries and counting10

With Platinum Rewards, earn up to 2.25 points per $1 spent on purchases11

Transfer your points to up to 10 major Airline Reward Partner Programs12

All-purpose rewards

Receive $200 to spend on travel each year when booked through American Express Travel13

Earn Membership Rewards points for every $1 spent14

Get complimentary domestic and international Travel Insurance15

Travel more

Receive $400 to spend on travel each year when booked through American Express Travel16

Earn Membership Rewards points for every $1 spent17

Pay for your phone or contract with your American Express Explorer® Credit Card and get Smartphone Screen Cover for up to $500 per claim18. A 10% excess applies to the claimed amount.



From money-saving ideas to travel inspiration and daily life tips, get inspired to do great things and make your life more rewarding.

Track points and Amex Offers on the go with the Amex App

Amex App

Download the Amex App and simply login to view all the eligible offers and to view your Membership Rewards points balance. You can also pay your bill and use points for purchases directly from your mobile device.


Got a question about Membership Rewards, earning points or redeeming points? Check out our Frequently Asked Questions to find the answer.

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

No Annual Fee

Save more with no
annual fee