Question 1

How does a rewards Credit Card work?

Accepted Answer

With a rewards Credit Card, you can earn rewards points on all the eligible purchases you make on your Card. Membership Rewards is how Amex Card Members earn and redeem points from spending on their Essential Rewards Card. It’s a program that allows you to earn points on most of your Card spend (bills, groceries, dining out, entertainment, travel bookings) and redeem them for travel rewards by using your points with major Partner Programs across airlines, hotel and retail or with Amex Travel Online, as well as for Gift Cards or to pay with points when you shop at participating merchants.

Question 2

How is the limit on the Amex Essential Rewards Card determined?

Accepted Answer

All American Express Credit Cards have a maximum Credit limit. Your highest limit will depend on your financial circumstances and the Credit Card you choose. When you apply for the Amex Essential Rewards Card, you’ll have the opportunity to indicate your preferred Credit Card limit and approval for your credit line will be subject to our approval criteria. You should ensure that you nominate a limit that’s in line with your current financial circumstances.
It’s also important to know that choosing a low limit during the application process will not change your chances of approval. If you don’t choose a limit, we’ll assign you one, based on your current financial circumstances.

Question 3

What are the benefits of the Amex Essential Rewards Credit Card?

Accepted Answer

The Amex Essential Rewards Card offers a wide range of benefits. Here are some of the main ones:
Interest free days: You get up to 55 days to pay for your Card purchases.
Smartphone Front Screen Cover - If you accidentally break your phone screen, you can be reimbursed for the cost of the smartphone front screen repair up to $500 for two events a year. (A 10% excess applies to the claimed amount. Waiting periods may apply.)
Reward points - Earn 5 Membership Rewards® points per $1 spent on eligible eats & drinks purchases, 3 points per $1 spent on selected streaming subscriptions and 2 points per $1 spent at selected major retailers (purchases must be made in Australia. Accelerated earn rates apply on the first 10,000 points earned per month, then you will earn 1 point per $1 across all categories).
Extra perks: Access Amex Offers across shopping, dining, travel and entertainment, Pre-Sale tickets and Card Member only Entertainment Lounges.

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