Whether it’s a new outfit or a new destination, the rewards are endless with American Express Credit Cards
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.
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:
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.
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 American Express Lounge at Sydney Airport or Melbourne Airport, twice a year4.
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, if an evening out to see a play or concert is more your thing, use your points to redeem online at Ticketmaster6. You can also use points to pay off eligible charges on your Account7.
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.
An American Express Rewards Card is your key to experiencing more. Find out more about what each Card has to offer below.
All-purpose rewards
Receive a $200 Travel Credit each Membership year9
Earn Membership Rewards points for every $1 spent10
Get complimentary domestic and international Travel Insurance11
Experience more
Invitations12 to exclusive Season Launch parades, fashion events and more
Complimentary alterations13 on women’s and men’s apparel purchased instore, excluding David Jones Bridal
Complimentary Priority Delivery14 to your door by courier for items purchased instore, on the following business day
Travel more
Receive a $400 Travel Credit each Membership year15
Earn Membership Rewards points for every $1 spent16
Pay for your phone or contract with your American Express
Explorer Credit Card and get Smartphone Screen
Insurance for up to $50017
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.
You could earn Bonus Points for each friend successfully approved for an American Express Card. Login online or via the Amex App and start referring your friends2.
Got a question about Membership Rewards, earning points or redeeming points? Check out our Frequently Asked Questions to find the answer.
1. Additional Card Members. Additional Credit Card Members must be over 16 years of age. As the primary Card Member, you will be liable for all Additional Card spending.
2. 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.
3. Transferring Points. Subject to the Terms and Conditions of the Membership Rewards program available at https://www.americanexpress.com/en-au/rewards/membership-rewards/terms. You must be a member of the airline partner program, joining fees may apply and points transferred will be subject to the terms and conditions of the applicable airline partner program.
4. Access to the American Express Lounges
Eligible Cards
(a) The Cards listed below that are current and issued by American Express Australia Limited and American Express International (NZ), are eligible to enter The American Express Lounges:
American Express® Centurion Card
American Express® Platinum Card
American Express® Business Centurion Card
American Express® Platinum Business Card
American Express® Corporate Platinum Card
American Express® Qantas Corporate Platinum Card
American Express Explorer® Credit Card
American Express® Business ExplorerTM Credit Card
American Express® Platinum Reserve Credit Card
David Jones American Express® Platinum Card
Qantas American Express Ultimate Card
American Express Velocity Platinum Card
American Express Airpoints Platinum Card
American Express® Westpac Altitude Black Card
(b) Internationally issued American Express® Centurion and American Express® Platinum Cards that are current are eligible to enter the American Express Lounge At the discretion of American Express, other American Express Card Members may also enter the American Express Lounges.
5. David Jones Shop with Points. Subject to the David Jones Storecard and David Jones American Express Rewards Points Terms and Conditions available here. The amount of Membership Rewards points required to purchase the item(s) is subject to change at any time. A minimum of 3,000 points must be redeemed at any one time. Only American Express Cards issued by American Express Australia Limited are eligible provided they are enrolled in the Membership Rewards program. The David Jones Storecard, Card Members enrolled in the Qantas Frequent Flyer program, Qantas American Express Cards, Velocity American Express Cards and Additional Card holders are not eligible for Shop with Points transactions. The Primary Card must be used to complete the purchase.
6. Ticketmaster. Subject to the Terms and Conditions of the Membership Rewards program. A minimum of 2,000 points must be redeemed at any one time. You must qualify with the Terms and Conditions in order to redeem points. If redeeming with Points + Pay, the 'pay' component of your purchase will be automatically billed to your American Express Card Account and will appear on the first billing statement following redemption. You’ll earn Membership Rewards points on the ‘pay’ component of your purchase only. Tickets must be purchased using your eligible American Express Card and will be charged to that day’s purchase. Only American Express Cards issued by American Express Australia Limited are eligible provided they are enrolled in the Membership Rewards program. This excludes any Bank issued American Express Cards the David Jones Storecard, the David Jones Platinum Card enrolled in the Qantas Frequent Flyer program, American Express Low Rate Card, Qantas American Express Cards, Velocity American Express Cards, and all Supplementary Card Members. American Express will debit the Membership Rewards points from your program account and issue a credit for the corresponding dollar amount to the Card account charged for your ticket purchase. If the total number of points redeemed do not cover the entire amount of the charge for your ticket purchase, the charge for the remaining balance of the purchase will remain on your Card account. Ticket purchases failing to qualify for Membership Rewards points redemption will remain charged to your American Express Card account and are subject to the venue’s and Ticketmaster’s no refund/no exchange policy
7. Select and Pay with points.
a) For each successful transaction with Select + Pay with points, points will be debited from your Membership Rewards account and a credit placed on your Card in line with the points chosen to be used for the Eligible Charge. A minimum of 1,000 Membership Rewards points is required for any Select + Pay with points transaction. Any credit to your Card account cannot exceed the amount of the relevant Eligible Charges. A credit will appear on your statement identified as “Rewards Credit”. Points will be debited immediately and the credit will take up to 3 business days 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. Select + Pay with points is not available for redemption by Corporate Card accounts and is not redeemable for cash via Credit balance refund.
b) American Express will select and display each eligible charge for Select + Pay with points (“Eligible Charge”) and the points rate required to pay for the Eligible Charge. Each Eligible Charge must: (a) appear within the Online Statement of the Summary of Accounts page; (b) be redeemed within 2 months of the charge appearing on your Card account; (c) not currently or have previously been disputed; and (d) not be a fee.
c) Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any time without notice. Select + Pay with points transactions can only be completed online. Select + Pay with points is available only to Basic Cardmembers enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing.
8. 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.
9. Platinum Edge Travel Credit. American Express Platinum Edge Credit Card Members are eligible for one Travel Credit of $200 per year. Subject to Travel Credit terms and conditions. The Travel Credit can be redeemed for any eligible travel booked and paid online through American Express Travel in a single booking. For bookings less than $200 any unused portion of the Travel Credit will be forfeited. Eligible travel includes Flight, Hotel, Car Hire and Experience bookings only and may not be used towards Cruises. The Travel Credit can be used from the anniversary date and cannot be carried forward to any subsequent year. Your travel credit for that year will be forfeited if you cancel your booking, subject to supplier’s terms and conditions plus applicable fees.
10. Platinum Edge Membership Rewards. Subject to the Terms and Conditions of the Membership Rewards program available here. The following merchants have been classified as major supermarkets: Bi-Lo, Coles, Fishers, Food For Less, Fresh Provisions, Harris Farm Markets, IGA, Macro Wholefoods, Safeway, Supabarn, Thomas Dux, Woolworths. The following merchants have been classified as major petrol stations: Ampol, BP, Caltex Woolworths, Gull, Metro, Peak, Safeway Petrol, Shell, United, Woolworths Petrol, 7 Eleven. Exceptions may apply if an individual merchant trading as one of the above named retailers does not accept American Express as a form of payment. Purchases at major supermarket & major petrol station retailers are only eligible for additional points if the transactions are made in Australia. Certain transactions will earn 2 points per dollar spent, including the use of foreign currency overseas and overseas online payments. 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.
11. Platinum Edge Travel Insurance. The American Express Platinum Edge Credit Card Insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits) - see the full Terms and Conditions available here. You must use your American Express Platinum Edge Credit Card to pay for your return trip in order to be eligible for the travel insurance or pay for eligible items in order to be covered under the insurance. The insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Card members are not a party to the group policy, but may be able to claim under it as third party beneficiaries. This webpage does not take into account your objectives or financial situation. You should read the full terms and conditions to decide if this insurance meets your needs.
12. Exclusive David Jones Invitations. To receive exclusive invitations you must be opted in to receive marketing communications and continue to spend on your Card. Subject to availability.
13. Complimentary Alterations. Complimentary alterations are available on women’s and men’s apparel purchased instore at David Jones on the David Jones American Express Platinum Card. Offer excludes David Jones Bridal. Items cannot be returned or exchanged for change of mind once altered.
14. Priority Delivery. Receive complimentary next day delivery to any address within the metropolitan or regional area of the store in which your goods were purchased with the David Jones American Express Platinum Card. Goods must be under 25kg and no larger than 1m x 1m x 1.5m. Excludes orders placed online, gift cards, hampers and fresh food, Wine Club, fresh food, Gift Registry purchases and large items.
15. Explorer Travel Credit. American Express Explorer Credit Card Members are eligible for one Travel Credit of $400 per year. Subject to Travel Credit terms and conditions. The Travel Credit can be redeemed for any eligible travel booked and paid online through American Express Travel in a single booking. For bookings less than $400 any unused portion of the Travel Credit will be forfeited. Eligible travel includes Flight, Hotel, Car Hire and Experience bookings only and may not be used towards Cruises. The Travel Credit can be used from the anniversary date and cannot be carried forward to any subsequent year. Your travel credit for that year will be forfeited if you cancel your booking, subject to supplier’s terms and conditions plus applicable fees.
16. Explorer Membership Rewards. Subject to the Terms and Conditions of the Membership Rewards 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.
17. Explorer Card Insurance. The American Express Explorer Credit Card insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits) – see the full terms and conditions available here. You must use your American Express Explorer Credit Card to pay for your return trip in order to be eligible for the travel insurance. For Smartphone Screen Insurance, you must use your American Express Explorer Credit Card to pay for your phone outright or your monthly phone bill. Maximum of 2 claims per 12 month period, per Account, maximum cover of $500 per claim and an excess of 10% of the claimed amount applies. Waiting periods may apply. Find out more or make a claim here. The insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Card members are not a party to the group policy, but may be able to claim under it as third party beneficiaries. This webpage does not take into account your objectives or financial situation. You should read the full terms and conditions to decide if this insurance meets your needs.
