Transactions, Payments, Statements

There are a variety of ways to pay your American Express bill, including online, through the Amex Mobile App, by cheque, Direct Debit, Bpay and in person. All available methods of payment are detailed here.

To make a payment online:

1. Log in to your Online Account
2. Go to ‘Payments’
3. Select ‘Make a payment’ in your Account summary
4. Enter your payment amount, bank account and payment date
5. Once made, your payment will appear on your Account within 24-36 hours.

Please note: Credit Cards and debit Cards cannot currently be accepted as a form of payment. This functionality is not available for David Jones American Express Card Members, see below for other payment methods.

To make a payment within the Amex Mobile App:

To pay your bill via the App, you will first need to register your bank details via Online Services. Once you’ve done this, download the app onto your mobile device or tablet.

Please note this functionality is not available for David Jones American Express Card Members, see below for other payment methods.

Once installed follow the steps.

1. Login to the Mobile App
2. Select ‘Make a payment’ under “Current balance’
3. Enter the amount you want to pay
4. Press continue then confirm payment and your payment will be made. Please allow up to 72 hours for your payment to reflect online.

To pay your bill in person:

To pay your bill in person, you just need to take your cash or cheque, your Card and your current posted Card Account statement to any Australia Post Office. For payments at Australia Post, you will be charged a $3 handling fee and it can take up to 3 days to process the payment. Card Members who receive online statements are ineligible to pay their bill in person.

To pay your bill by cheque:

To pay your bill using a cheque, make your cheque payable to American Express. Make sure you write your Card number and name on the back of the cheque and send it to:

American Express, GPO Box 4344, Sydney, NSW 2001

You can also take your cheque and your current Card Account statement to any Australia Post office for payment.

In order to set up Direct Debit repayments on your American Express Card, you’ll need to provide us with your bank account details and indicate the amount you’d like to pay each month. You can do this in two ways:

Setting up Direct Debit online

1. Log in to your Online Account
2. Go to ‘Payments’
3. Select ‘Set up Direct Debit’
4. Read and agree to the Terms and Conditions
5. Select your Card number from the dropdown menu
6. Enter your 4-digit Card Identification Number (CID) printed above the Account Number on the front of your Card then click ‘Confirm’
7. Follow the prompts to complete the process.

Setting up Direct Debit by application

1. Download the form that corresponds to your Card:
   • Credit Card Direct Debit Form
   • Charge Card Direct Debit Form
   • David Jones Card Direct Debit Form
2. Fill in your details and return the form to the address indicated on it
3. Continue paying your bills as usual, until your Direct Debit is confirmed.

If you have a Joint Card Account, you’ll only able to set up Direct Debit repayments by application, not online.

For more information about payment methods, click here.

You can pay off your David Jones American Express Card Account by setting up a Direct Debit from your nominated bank account.

Alternatively, you can pay off your Account in person at any David Jones store or Australia Post* office using cash, EFTPOS or cheque. You can also pay online using BPAY or over the phone (for this option, you’ll need to enter Biller Code: 88013, and your 15-digit Account Number).

*A $3.00 over-the-counter fee will apply to payments made in person at Australia Post. You must present your Card and current Account statement when paying your Card Account in person. Card Members who receive online statements are ineligible to pay their bill in person.

To schedule a payment:

1. Log in to your Online Account
2. Go to ‘Payments’ then select ‘Make a Payment’ from the drop down menu.
3. On the right hand side of the page, select the Payment Date from the drop-down menu for the Card you would like to pay. Multiple dates to select from are available in the ‘Payment Date’ drop down.
4. Confirm the bank name, account details and payment amount. A confirmation message will appear to indicate that the payment was successful.

To manage your bank account:

1. Log in to your Online Account
2. Go to ‘Payments’ then select ‘Make a Payment’ from the drop down
3. Select ‘Manage Bank Info’ from the links at the bottom of the page
4. Under ‘Action’ select ‘Edit’
5. Edit your payment amount or change your bank account details
6. Check the box indicating that you have read and agreed to the Terms and Conditions and select ‘Continue’.
7. A confirmation message will appear and click ‘Enrol Account’ to confirm.

Please note: Bank accounts cannot be edited if another payment is being processed.

Manage my bank account details

You can view your payment amount and due date on your monthly statement. You will also be reminded of any upcoming amounts required to be paid in your Online Account.

You can pay off the entire closing balance on, or before, the statement due date. If you have a credit card, you can choose to pay the minimum monthly amount due and pay off your balance over time. This will incur interest.

If your payment has been returned by your financial provider, we may charge a Dishonour Fee and any applicable late fees based on the Terms and Conditions of your Card Member Agreement.

We may resubmit payments returned due to insufficient funds up to two times unless your financial provider has specified the payment request cannot be re-presented.

You can view the last two years of transaction history electronically through your Online Account and sort, filter and download them as a PDF, Excel or CSV file.

To access a PDF copy of a billing statement, including older statements that have been archived, simply:

1. Log in to your Online Account
2. Go to ‘Order Previous Statements’
3. Select the statement you need and click ‘Order now’.

Please note: Statements that have been archived will be available online within 24 hours.

American Express Card Members can keep up to date with billing statements via the Amex App.  
You can also view your transaction history electronically through your Online Account and download them as a PDF file. The past six monthly statements are available to download.

1. Log in to the Amex App
2. Go to ‘Statements’
3. Select ‘Transactions and Statements’
4. Select the statement you need
5. Select ‘PDF STATEMENT’ to download a copy to your mobile.

If there is activity on your Card Account, you’ll receive a monthly statement either online or via post.

If there is no activity on your Card Account you will only receive a monthly statement when there is a credit or debit balance above $10.

Your statement shows important information about your Account, including:

• Opening balance – This is the amount brought forward from your last statement period.
• New credits – These are transactions for the statement period that credited your Card account.
• New debits – These are transactions for the statement period that withdrew from your Card account.
• Interest charged – This is the amount of interest you were charged for the month.
• Minimum payment due – This is the minimum amount you need to pay the following month. If you only pay the minimum repayment each month, you will pay more interest and it will take you longer to pay off your balance.
• Total balance – This is the amount you owe on your Card to date.
• Credit limit – This is the total amount available for use on your Card.
• Available credit – This is the portion of your Card’s overall limit that’s still available for spending.

For American Express Credit Cards, the minimum payment is set at 2.5% of your closing balance or $30, whichever is greater.

Making only the minimum payment is not recommended as a long-term solution because if you make only the minimum monthly payment, you will pay more interest and it will take you longer to pay off your balance.

Yes. To do this online:

1. Log in to your Online Account
2. Go to ‘Account Management’
3. Select ‘Alerts, Communications & Privacy’ then ‘Statement Delivery Options’
4. Untick the box that says ‘I want to go Paperless’ and click ‘Confirm’.

Alternatively, you can have a paper statement mailed to you by calling the number on the back of your Card.

To go paperless and receive your statements online:

1. Log in to your Online Account
2. Go to ‘Account Management’
3. Select ‘Alerts, Communications & Privacy’ then ‘Statement Delivery Options’
4. Tick the box that says ‘I want to go Paperless’ and click ‘Confirm’.

There are some instances in which a Pending Transaction will appear under a trading name that’s different to the retailer’s name where you made your purchase. For example:

• A clothing store that is part of a wider retail chain
• A restaurant that is attached to a hotel
• A company that uses their central billing office (e.g. ‘G M Cabs Mascot’).

Therefore, always check the charge amount and see if it matches any of your receipts. If you still don’t recognise the Merchant name, please wait until the transaction appears on a billing statement – then you can lodge a billing inquiry through your Online Account.

Charges may not appear as ‘pending’ if they’re:

• Made in a foreign currency
• Made using Chip and PIN & Contactless payments
• A Direct Debit (such as a phone bill)
• Fees & Charges
• Refunds & Bill Payments
• Not yet submitted to American Express by the Merchant you spent at.

Instead of taking a deposit, most hotels process a pre-authorised fixed amount to your nominated Credit Card (usually at check-in). This amount won’t be billed to your Account and is usually reversed when you check out.

If a charge is billed to your Account, it should be automatically removed from your Card within 10 working days. However, if you have any concerns, contact the hotel directly.

Some Merchants authorise a charge when you place an order for goods or services, then authorise your Card again when it’s due. This makes the charge appear duplicated in Pending Transactions – but it’s only billed once. For example, some restaurants will authorise your Card when the Card is put in the terminal and then again if you add a tip, but you will only be billed once.

If you suspect a transaction has been duplicated on your Account incorrectly, wait to see if this appears on your billing statement. A billing enquiry may be raised via the steps below if the transaction has been incorrectly charged:

1. Log in to your Online Account
2. Select the transaction from your statement
3. Click ‘Have a question about this charge?’
4. Select the type of inquiry you’d like to make and answer a few questions (you’ll be advised if supporting documentation is needed).

If a Merchant’s details can’t be fully captured at the time of a transaction, a default value labelled ‘AMERICAN EXPRESS INTERNAL TRANSACTION’ may be shown. Once the transaction is confirmed and processed, you’ll see the correct Merchant name appear on your statement. This process normally takes 1-3 business days but can take as long as 7 days.

Certain Merchants, such as hotels, car rental agencies, and petrol stations, will often pre-authorise your Card for an amount to ensure that funds are available. Once the transaction is successfully billed to your Account, the pre-authorisation will drop off within 10 business days. This means there may be a crossover period where the transaction appears in two places in your Account.

Pending Transactions may remain on your Account for up to 10 business days – but typically move to ‘Recent Transactions’ within 2-3 business days.

Points are only earned once a charge moves from ‘Pending Transactions’ to ‘Recent Transactions’ and can be viewed under the ‘Membership Rewards’ tab in your Online Account.

If you have a Qantas,Velocity or Altitude points earning Card – you'll be able to see the total points earned to date in the respective Account, as well as the points earned per purchase.

Some Merchants use this as a security measure to protect their customers. They may contact us to confirm that your Card is valid and not lost or stolen – and this is achieved by processing a $1 authorisation charge. Please be assured that Merchants do not actually proceed with the charge, and it will not appear on your statement.

Yes, if you think you have been charged incorrectly you can raise a billing inquiry. To lodge a billing inquiry follow the steps below:

1. Log in to your Online Account
2. Select the transaction from your statement
3. Click ‘Have a question about this charge?’
4. Select the type of inquiry you’d like to make and answer a few questions (you’ll be advised if supporting documentation is needed).

Keep in mind that there are some instances in which a transaction will appear under a trading name that’s different to the retailer’s name where you made your purchase. For example:

• A clothing store that is part of a wider retail chain
• A restaurant that is attached to a hotel
• A company that uses their central billing office (e.g. ‘G M Cabs Mascot’).

Before raising a billing inquiry, check the charge amount and see if it matches any of your receipts. If you still don’t recognise the Merchant name, you can proceed with the lodgement of a billing inquiry.
If you are unable to dispute a transaction using the steps above, please call the number on the back of your Card.

As Pending Transactions have not yet been charged to your Account yet and the amount could change, you’ll need to wait for the charge to finalise before opening a billing inquiry. Once the charge has been finalised you can lodge a billing inquiry by following the steps below:

1. Log in to your Online Account
2. Select the transaction from your statement.
3. Click ‘Have a question about this charge?’
4. Select the type of inquiry you’d like to make and answer a few questions (you’ll be advised if supporting documentation is needed).

To check the status of your inquiry online:

1. Log in to your Online Account
2. Select ‘Your Card Activity’ under ‘Statement’
3. Click on ‘Dispute Activity’
4. Select the inquiry you’d like to review the status of. You can also cancel an open dispute.

To make payments with your mobile device, you’ll first need to link your American Express Card to your particular device’s mobile wallet app i.e. Apple Pay^®, Samsung Pay^® or Google Pay ^®*.

Once linked, you’ll be able to pay with your mobile anywhere you see a contactless payments symbol.

For more information, select your mobile device’s wallet below:
Apple Pay
Samsung Pay
Google Pay

*Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the US and other countries. Apple Pay, Touch ID and Face ID are trademarks of Apple Inc. 

Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices. 

Google Pay and the Google Logo are trademarks of Google LLC.

Yes, using your mobile is a safe and secure way to pay. This is because:

• You authorise each payment, using either a passcode or biometric scan.
• Your Card details aren’t saved to your phone. Your device is instead given a unique token identifier that is sent to the Merchant, which American Express authenticates as being linked to your Account.
• Only American Express can see your Card details.

Learn more about mobile payments security

A balance transfer allows you to transfer an existing balance from a non-American Express Credit Card Account to your American Express Account at time of application. The maximum balance transfer amount is $10,000 or 70% of your approved credit limit, whichever is the lesser amount.

If your request for a balance transfer is approved, an establishment fee of between 1% or 3% (depending on your chosen Card) will be applied to the balance that is transferred. Plus, you’ll pay 0% p.a. on the total balance transfer amount for the first 12 months following your balance transfer approval.

Please note, if you choose to pay your balance transfer amount over time, an interest-free period will not apply to your new purchases until the balance transfer is paid off. We also encourage you to review and consider cancelling the card(s) you’re paying with a balance transfer.

For full balance transfer terms and conditions, please click here.

Learn more about Balance Transfer Credit Cards

Depending on the American Express Credit Card you apply for, you may be eligible to request a balance transfer at the point of application.

If your Card is eligible, you’ll need to have the balance transfer amount approved by American Express to ensure the movement of funds from another financial provider adheres to your Card’s Terms and Conditions and will not exceed its limit.

Provided your balance transfer request adheres to your Card’s Terms and Conditions, we’ll start the approval process after your American Express Credit Card application is approved.

If we approve your balance transfer application, we’ll send payment to the financial provider that issued your previous Card and then debit your American Express Credit Card with the relevant amount. This process will normally be completed within 10 working days.

Find out more about Balance Transfers