Divide the purchase.
Conquer the payments.
Making the most of Plan It® Instalments
Whether it's a long-awaited holiday or a surprise car repair, life is full of planned and unplanned expenses.Thankfully, with Plan It Instalments, you can split those larger costs into smaller monthly payments and pay at your own pace.
It's a feature available to American Express Credit Card Members, giving you the flexibility and convenience to pay in either 3, 6 or 12 equal monthly payments. There's no interest, just a fixed monthly fee for as long as your plan is active.
See how Plan It® Instalments can help with life's big moments
See how Plan It® Instalments can help with life's big moments
Plan It Instalments gives you two ways to pay over time:
Plan your balance
Break down a portion of your Credit Card balance over $100AUD into 3, 6, or 12 monthly payments.There's no interest, only a fixed monthly plan fee.
Plan your purchases
Whether it's a spontaneous celebration or simply a new washing machine, you can turn individual purchases over $100AUD into monthly payments with a fixed monthly fee.
Take a look at some of our most frequently asked questions (FAQs) here to learn more about dividing your costs and conquering the payments with Plan It Instalments today. A fixed monthly fee and T&Cs apply.*
Choose the Card that best suits you
The American Express Explorer® Credit Card
The American Express® Platinum Edge Credit Card
The Qantas American Express Ultimate Card
The American Express Velocity Platinum Card
The American Express Essential® Rewards Credit Card
The American Express Explorer® Credit Card
The American Express® Platinum Edge Credit Card
The Qantas American Express Ultimate Card
The American Express Velocity Platinum Card
The American Express Essential® Rewards Credit Card
Browse Our Eligible Plan It Cards
To take advantage of the Plan It feature, you’ll need to have an American Express Credit Card. American Express offers a variety of Cards that provide the flexibility and benefits you need to make the most out of Plan It. Whether you're focused on travel rewards or other benefits, there's a Card for you. Visit our website to explore our range of eligible Plan It Cards and find the perfect fit for your financial needs.
With both the Amount-based and Purchase-based features, Plan It enables you to take control of your monthly repayments and stay on top of your budget with ease. As an American Express Credit Card Member, you can keep earning valuable rewards while enjoying the flexibility and convenience of Plan It. So why not take advantage of this innovative payment feature today!
Check out some of our most frequently asked questions (FAQs) about Plan It here.
- You can create an Instalment Plan as long as your account is in good standing. We may prevent you from creating any new Instalment Plans or cancel any of your existing Instalment Plan(s) at any time if your Card Account is overdue, or if you do not comply with your Card Conditions.
- The minimum Plan amount is AUD$100. We may also limit the amount that can be transferred to an Instalment Plan.
- You will be charged a Monthly Plan Fee for each Instalment Plan created. This fee will be charged each month your Instalment Plan isactive and will be disclosed to you at the time of creating your Instalment Plan.
- Each Instalment Plan will begin from the date it is successfully created, as communicated to you in your Online Account.
- Payment of your first Monthly Instalment will be due in your next payment cycle.
- You may request to cancel your Instalment Plan(s) at any time through your Online Account or the Amex App. Any billed Monthly PlanFees will remain payable, but no further Monthly Plan Fees will be billed after cancellation is effective. As cancellation can take 24-48 hours to process ("Processing Time"), you may be charged a further monthly plan fee after requesting cancellation if the Processing Time occurs on your payment date.
- View the full Plan It® Instalment Terms and Conditions here.
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