How You Earn Membership Rewards Points

From your morning coffee or night out with friends to that weekend retail therapy, earn points for every dollar you spend on your Card:

• Earn up to 5 points on your first 10,000 points per month, and then continue earning 1 point per $1 spent after that⁴
• 5 points per $1 spent eligible eats & drinks purchases in Australia including Guzman Y Gomez, McDonald’s, Starbucks, Boost Juice and more.⁴
• 3 points per $1 spent on selected streaming subscriptions in Australia⁴ including Spotify, Netflix, Disney+, Binge, Kayo Sports, Stan, and Amazon Prime.
• 2 points per $1 spent at selected major retailers in Australia⁴ including The Iconic, JB Hi-Fi, Kmart, Bunnings, Uniqlo, Amazon, Myer and Harvey Norman.
• 1 point per $1 spent on everything else⁴
  
  Click here to learn more about how you earn Membership Rewards points on the American Express Essential Rewards Credit Card
  
  
• Boost your points balance by adding up to 4 Additional Cards to your Account for family or friends, at no extra charge⁸

Choose Your Rewards

Use points for your next travel adventure, special gift, must-have purchase or unforgettable experience:

• Transfer your points to major Airline Reward partner programs¹¹.
• Redeem points for Digital Gift Cards⁹ from leading retailers
• Book travel with points online at American Express Travel¹⁵
• Use points to pay for eligible charges on your Account using Cover Charges with Points⁷

Amex Experiences

Enjoy exclusive access to some of the best experiences in live music, sports, theatre and more. Plus, when you attend events at one of our partner venues, you can enhance your fan experience with a range of exclusive Card Member benefits.

Not only can you access pre-sales and reserved tickets to some of the hottest events, Amex Card Members can take advantage of elevated benefits like dedicated entrances, and complimentary drink vouchers. Card Member only Entertainment Lounges and other perks that are unique to each location.

Explore our venue partners and benefits at Qudos Bank Arena, Rod Laver Arena, ICC Sydney Theatre, Brisbane Entertainment Centre, Brisbane Powerhouse and Allianz Stadium here.

We keep looking out for you even after you've made your purchase and brought it home. Our range of Card protection benefits means you can shop with confidence using your American Express Essential Rewards Credit Card for eligible purchases.

Exclusions, limits and excess apply. Please refer to the American Express Essential Rewards Credit Card Insurance Terms and Conditions of your Card to view the full details of your shopping coverage.

Card Purchase Cover

When you make a purchase on your American Express Essential Rewards Card, you can be reimbursed for up to 90 days from the date of purchase if the eligible item is stolen or accidentally damaged⁵.

Card Refund Cover

Card Refund Cover can help if you’re having trouble getting a refund for an eligible item purchased within 90 days on your eligible American Express Essential Rewards Card⁵.

Buyer’s Advantage Cover

If your warranty has run out just as you need it, Buyer’s Advantage Cover may have you covered. With the American Express Essential Rewards Card, you could enjoy an extended manufacturer’s warranty of up to 12 months for eligible purchases made on your Card⁵.

Smartphone Front Screen Cover

Accidentally broke the screen on your phone? You can be reimbursed for the cost of the screen repair up to $500 for two events a year. A 10% excess applies to the claimed amount. Waiting periods may apply⁵.

24/7 Card Member service

Your life doesn’t keep regular office hours, so neither do we. If you want to reach us, there is always someone to help you with whatever you need, big or small.
Save exclusive dining and shopping Offers to your Card and get the savings automatically credited to your Account.
Pay off your Account or set up direct debit so your payments are made automatically.
Get notifications when your Card is used and set up alerts to manage your balance effectively.
Activate your Card and either link your Card to your Online Account or create a new one.

Fraud protection guaranteed¹³

Relax knowing that with American Express, your Account is protected by our Fraud Protection Guarantee. That means you’ll never have to pay for unauthorised spending on your Account. Whether your Card is lost, stolen or your details fall into the wrong hands, our dedicated Security Team will do everything they can to take care of you.
You can see all the ways we protect you against fraud, as well as tips to keep your Card safe here.

Emergency Card Replacement¹⁴

If your Card or Additional Card gets lost, damaged or stolen, call the number on the back of your Card and we’ll arrange to get you a replacement Card. If you are travelling, we’ll work with your itinerary to get a Card to you as soon as possible. We’ve got your back, virtually anywhere you are in the world, 24/7.

When you need funds without the fuss, you’ll find American Express offers a range of flexible payment solutions.

Plan It^® is a feature on your American Express Credit Card that allows you to pay off eligible transactions over $100 or a portion of your balance in equal monthly instalments. Choose between 3, 6 and 12 month terms, with no interest and a fixed monthly fee⁶.