The American Express
Essential® Credit Card

If you want a Credit Card that rewards you for the way you live your life, the American Express Essential Credit Card is for you. Essentially, it gives you:


  • • Membership Rewards points1
  • • Smartphone Screen Insurance2
  • • Access to Card Member-only entertainment lounges
  • • Access to pre-sale tickets & reserved seating
  • • A low, 14.99% p.a. interest rate3
  • • Interest free period of up to 55 days4

All with No Annual Fee.


Get to the points


The American Express Essential Credit Card lets you earn and redeem Membership Rewards points, with no points cap or expiry date.5 How rewarding.


Earn them


Whether you’re out to lunch or off overseas, earn 1.25 Membership Rewards point for every $1 spent, except on government bodies in Australia where you earn 1 point for every $1 spent.1 With hundreds of thousands of places to use your Card, you can earn at every turn.

Then enjoy them

Redeem your Membership Rewards points on the things you like – you can even

use points to pay off purchases.6

Café image of guy dropping phone from the Essential shoot


Smartphone Screen

We’ve all had that phone-drop moment. Luckily, you’re covered for up to $500 in screen repairs, twice a year. Simply purchase your phone outright or pay your monthly phone contract with your American Express Essential Credit Card.2 What a relief.



Payments in a tap

Don’t let your wallet weigh you down. Add the American Express Essential Credit Card to your phone’s mobile wallet and enjoy the speed and security of paying with a tap of your phone.

You can even use your Card or mobile wallet to pay for a standard (peak) Adult Opal fare on all Sydney Trains, NSW TrainLink Intercity Opal services, Sydney Ferries and light rail services. Now that’s smooth.



Experience more with American Express

Being an American Express Card Member gets you access to loads of perks, from everyday offers to securing those all-important concert tickets.


  Amex Offers

Since 2017, our Card Members have saved over $14 million dollars with Amex Offers.12 From dining to shopping deals, there’s a range of offers to treat yourself to.

American Express Invites®

We’re opening more doors for our Card Members, with access to:


  • • American Express Entertainment Lounges
  • • Pre-sale tickets to the best gigs
  • • Reserved seating and VIP experiences
  • • Card Member-only pop-up lounges

We also support Australia’s live music scene, with the American Express Music Backers Program – a $1 million grant program for artists, venues, music businesses and fans.

Here are some American Express experiences our Card Members have enjoyed:

We’ve got your back

Shop with confidence knowing American Express has got your back. When you pay using your American Express Essential Credit Card, you’re protected with:


Credit Cards in a nutshell

Essentially, a Credit Card is a form of payment that lets you buy stuff now and pay it off later. Interest will be charged if you do not repay the full closing balance of your statement each month. See below for a break down.

The American Express
Essential® Credit Card



  • • No Annual Fee
  • • Membership Rewards points1
  • • Smartphone Screen Insurance2
  • • Access to Card Member-only entertainment lounges
  • • Access to pre-sale tickets & reserved seating
  • • Amex Offers & Experiences

Read key facts sheet >

Ready to apply?

We may be able to get you a response in 60 seconds

Have your financial information, like annual income, living expenses and employment details, handy.
Fill out and submit your application form. You may get a response in 60 seconds.
If approved, receive your Card within 7 business days.