The American Express Elevate Credit Card

When you travel, don’t let an accident trip you up. When you book and pay for your travel with your American Express Card, you’ll have access to
domestic and overseas Travel Insurance¹ – covering from lost baggage to emergency medical expenses. And if you’re travelling with your spouse or children under the age of 22, they’ll be covered too. All subject to terms, conditions and exclusions .

What else is covered?

Your complimentary Travel Insurance gives you:

Overseas Medical Emergency Expenses and Repatriation Cover – which provides up to $2,500,000 towards medical treatment (excludes cover for Pre-Existing Medical Conditions.)

Travel Cancellation Cover – which provides up to $10,000 in the event your travel is cancelled due to a specified event, which includes being unable to travel due to death or illness of a travel companion, or where DFAT has issued a warning advising against all travel. Excludes claims arising from circumstances known to you prior to booking the trip, and claims arising from Pre-Existing Medical Conditions.

Baggage, Money and Documents Cover – which provides up to $10,000 to cover loss or damage to baggage, money or documents. Items left unattended in a public place are excluded, and loss of theft must be reported to the police or tour operator with 48 hours. Sub-Limits apply, such as $1,000 for any single item and $500 for money and documents.

Personal Liability Cover – which provides up to $1,000,000 for your liability for injury to any person or damage to property.

Travel Inconvenience Cover – which provides up to $500 if your flight departure is delayed for four hours or more.

An excess of $250 applies to all claims.

For full details of the insurance cover, including terms, conditions and exclusions, please refer to the American Express Elevate Credit Card Insurance Terms and Conditions here.

Claim with a call, 24/7

When you’re far from home, you want help to be close by. That’s why, as soon as the unexpected happens, you can reach us by calling 1300 882 538 or +612 9271 8298, 24/7 and we will ensure you get assistance from someone who speaks your language. Make sure you contact us first or your claim may be affected. If you’ve called us and would like to proceed with submitting your claim, visit the Chubb Claims Centre for American Express Card Members.

-Opening in new window Make a claim

You'll continue to earn Velocity Points² at the same rate you do now, and points will be credited directly into your Velocity Frequent Flyer account each month. You can then redeem your Velocity Points for flights, upgrades, car hire, hotel stays, product and gift vouchers at velocityfrequentlyer.com.

-Opening in new window Where to earn points

-Opening in new window Redeem points

Wherever you are in the world, and whatever you need, help is just a call away. Our Customer Service Centre is on hand 24/7 – simply call the number on the back of your Card.

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American Express Travel

From flights and itineraries, to luxurious stays and exciting road adventures, American Express Travel can organise it all.

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Global Card Support

We’re here for you 24/7 – just call 1300 882 538, or +61 2 9271 8669 from anywhere in the world.

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1. The American Express Elevate Credit Card Insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical
conditions and cover limits) – see the full Terms and Conditions available here. You must use your American Express Elevate Credit Card to pay for your return trip in order to be eligible for the travel insurance or pay for eligible items in order to be covered under the insurance. The insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Card members are not a party to the group policy, but may be able to claim under it as third-party beneficiaries. This information does not take into account your objectives or financial situation. You should read the full terms and conditions to decide if this insurance meets your needs.

2. Membership and points are subject to the Velocity Frequent Flyer program terms and conditions available here. Velocity Points are earned in accordance with and subject to the American Express Elevate Credit Cards Points Terms and Conditions. Eligible purchases do not include annual Card fees, cash advances, interest, balance transfers, fees and charges for travellers cheques and foreign currencies. For the full list of exclusions, please refer to the American Express Elevate Credit Cards Points Terms and Conditions. You will earn 0.5 points per dollar spent with Merchants classified as 'government', including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies, including where you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant.

Your everyday expenses can be more rewarding than you think. Every time you spend on your Card, you’re maximising your Velocity Points earning potential. By spending on your American Express Elevate Credit Card you earn¹:

1.5 Velocity Points per $1 spent on eligible purchases in foreign currency

1 Velocity Points per $1 spent on eligible purchases in Australia

0.5 Velocity Points per $1 spent at government bodies in Australia, including Australia Post and the Australian Taxation Office

Earn points to your heart’s content, with no cap to the number of Velocity Points¹ you can earn as long as your Account is current and in good standing. With that kind of points earning potential, it makes sense to use your American Express Elevate Credit Card every time you spend.

Tip: Don’t forget to update your direct debits and frequent billers with your American Express Elevate Credit Card, and make sure you load your Card details into your favourite apps and shopping sites to maximise your points.

-Opening in new window Where to earn points

-Opening in new window Redeem points

Welcome to the loyalty program of Virgin Australia – Velocity Frequent Flyer. You can earn Velocity Points on your Card spend¹, any Velocity Points earnt will be automatically transferred to your Velocity Account. You can redeem your points for domestic and international flights to over 500 destinations – all through Virgin’s global network of airline partners. And, once you’re there, redeem your points for accommodation, car hire, gift cards and more.

-Opening in new window Where to earn points

-Opening in new window Redeem points

Share the benefits of your American Express Elevate Credit Card with your loved ones with additional Cards² and the points they earn when they use their Card will be credited to your Account. You can add up to 4 additional Cards for no extra fee.

-Opening in new window Find out more

Additional Cards

Share the benefits of your American Express Card with your family or friends. Just link an additional Card to your Account and earn extra points every time they use it.

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Velocity Frequent Flyer

Redeem your Velocity Points¹ for domestic and international flights to over 500 destinations – all through Virgin’s global network of airline partners. You can also redeem your points for accommodation, car hire, gift cards and more

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Use your Card at more places

You can use your Card at tens of thousands of places across Australia, and more are being added every day.

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1. Membership and points are subject to the Velocity Frequent Flyer program terms and conditions available here. Velocity Points are earned in accordance with and subject to the American Express Elevate Credit Cards Points Terms and Conditions. Eligible purchases do not include annual Card fees, cash advances, interest, balance transfers, fees and charges for travellers cheques and foreign currencies. For the full list of exclusions, please refer to the American Express Elevate Credit Cards Points Terms and Conditions. You will earn 0.5 points per dollar spent with Merchants classified as 'government', including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies, including where you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant.

2. Please note: Additional Card Members are referred to as Supplementary Card Members in our Terms and Conditions. Supplementary Card Members must be over 16 years of age. You will be liable to pay for all Supplementary Card spending and associated charges including interest on your Account.

Whether it's shopping, dining, travel or entertainment there's an Amex Offer with your name on it. From credits on your Account to bonus points, our eligible Card Members are offered opportunities to be rewarded in many ways, just by using their Card.

To view Amex Offers, simply log in to your Online Account or the American Express Mobile App.

Download the app

To use the App, you must be registered for online Services. App Store is a service mark of Apple Inc. Android and Google Pay are trademarks of Google Inc.

Enjoy unforgettable experiences with American Express Experiences and use your Card to access pre-sale tickets for world famous artists like Coldplay and Fleetwood Mac. You’ll also be able to secure some of the best seats in the house with our reserved seating offers.

Create even more special memories with our money can’t buy offers. Our Card Members have visited Iceland to snorkel amid the continents, Atlanta to go on set and watch the filming of Allegiant, and even LA to meet Rod Stewart backstage, so keep an eye out for offers like these.

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Relax before your next show at our lounges at Qudos Bank Arena Sydney, First State Super Theatre Sydney or the Brisbane Entertainment Centre. Enjoy a drink or a quick bite to eat, on us, and arrive at your event feeling relaxed.

To enter, simply show your American Express Card at the lounge door – just don’t take too long to get there, the lounges can fill up fast.

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Take your taste buds on a foodie adventure with dining specially curated for American Express Card Members. From festivals of food and the best cheap eats, to exclusive fine dining experiences and undiscovered gems, we’ve got your palate covered.

Plus, we’ve teamed up with TheFork, so you can earn points when you book a table at some of the hottest restaurants in town. Look out on TheFork for where your American Express Card is accepted and for special Card Member offers.

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Support your favourite local businesses through our Shop Small movement and receive special offers to help make your local community even stronger.

If you love dining out, you can even Shop Small at local restaurants with TheFork, Australia’s number one restaurant reservation platform. Just look out for the ‘Amex Welcome’ badge on TheFork.

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Shop Small

Receive special offers and help make your local community even stronger with our Shop Small movement.

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American Express Experiences®

Open the door to once-in-a-lifetime experiences with access to pre-sale tickets and exclusive offers.

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Receive Offers

Whether it’s shopping, dining, travel or entertainment there’s an Amex Offer with your name on it. Make sure you opt-in to receive our regular updates on offers.

Enjoy easy access to offers, view transactions, keep track of your points, pay your Account and get account notifications with the American Express Mobile App¹. Download it to your mobile and start making the most of your Membership, every day.

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Download the app-Opening in new window Download the app

Make your payments even speedier with access to Apple Pay, Samsung Pay and Google Pay²available to eligible Card Members. It’s a safe and secure way to make payments while you’re on the go.

Simply load your Card details to your mobile wallet and use it to pay. You’ll continue to earn all the same rewards and benefits of your American Express Membership.

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Relax knowing that with our Fraud Protection Guarantee, if your card is stolen, you won’t pay for unauthorised spending on your Account no matter what Card you have. From crediting your Account, to organising an immediate replacement Card³ – whatever the problem, our dedicated American Express Security Centre Team is there to help.

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Shop with confidence thanks to American Express 90-day Purchase Protection. We'll reimburse you on replacement or repair of damaged or stolen purchases made on your eligible American Express Card up to $2500.

Exclusions, limitations and a $50 excess applies per person, per claim⁴.

For full details of the insurance cover, exclusions and limitations, please refer to the American Express Elevate Credit Card Insurance Terms and Conditions here.

Had a change of heart about a recent purchase? If you’re refused a refund on an unused item within 90 days, Refund Protection will reimburse you for eligible purchases of up to $500 made on your eligible American Express Card⁴ from Australian retailers.

For full details of the insurance cover, exclusions and limitations, please refer to the American Express Elevate Credit Card Insurance Terms and Conditions here.

Skip the online forms and speed through the checkout process with Amex Express Checkout. Simply use your American Express Account login details, choose your Card and we’ll auto-fill your information and payment details for you – all you need to do is confirm your order and wait for your goodies to arrive.

This service is available to all Card Members with an americanexpress.com.au User ID and Password.

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Put your mind at ease with an added layer of security that protects you from fraud when making online purchases. When you buy online from a participating Safekey merchant we’ll SMS or email you a one-time code to ensure your Card is not being compromised. This security benefit costs nothing and registration is automatic.

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If your Card is lost or stolen, you can order a replacement to wherever you are in the world, 24/7.

If you’re at home

You can order a replacement Card quickly and easily online. It will then be sent to the address that we have on file.

Follow this step-by-step process to apply for a Card replacement online.

1. Login to your account and click on ’Account Management’

2. Select the Card you would like to replace and the reason you’d like to replace it

3. Complete the Card Membership verification

4. Review your Online Card Replacement request and click to submit

To complete another Online Card Replacement request, simply tap ‘Back to Account Management’ and select ‘Order a replacement Card’ in the text box below the status.

Note: For your security, the same Card cannot be replaced again for 30 days.

-Opening in new window Log In

If you’re away

Whether you’re interstate or international, you can order a replacement Card by calling our Customer Service Centre. They’ll be able to send your Card to any address in the world.

In Australia: 1300 882 538

Overseas: +61 2 9271 8669

-Opening in new window Find out more

You can still make transactions using your mobile wallet to continue getting the most of your membership benefits. If you haven’t loaded your Card to your mobile wallet yet, please click here.

Mobile App

Stay across the latest offers, view transactions and more with the American Express Mobile App.

Download the app

Mobile Payments

Load your Card details on to your phone and make speedier payments with access to Apple Pay, Samsung Pay and Google Pay.

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Update your details

Update your phone number, email address or password at any time with Online Services.

Update now

1. To use the App, you must be registered for Online Services. App Store is a service mark of Apple Inc.

2. Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch 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.
Google Pay, and the Google Logo are trademarks of Google LLC.

3. Provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.

4. The American Express Elevate Credit Card Insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits) – see the full Terms and Conditions available here. You must use your American Express Elevate Credit Card to pay for your return trip in order to be eligible for the travel insurance or pay for eligible items in order to be covered under the insurance. The insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Card members are not a party to the group policy, but may be able to claim under it as third-party beneficiaries. This information does not take into account your objectives or financial situation. You should read the full terms and conditions to decide if this insurance meets your needs.

Pay off your balance in monthly instalments

Plan It^™ Instalments offers you a flexible way to pay off your Credit Card balance in equal monthly instalments, with 0% p.a. interest and a fixed monthly fee^*. It’s already on your Card, so you can keep buying wherever you normally shop and pay later in instalments.

You can create an Instalment Plan as long as your account is in good standing. We may limit the amount that can be transferred to an 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 will be charged a Monthly Plan Fee for each Instalment Plan created.

This fee will be charged each month your Instalment Plan is active and will be notified to you before you create the Instalment Plan.

View the full Plan It^™Instalment Terms and Conditions here.

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It's all yours. Embrace it.

The American Express Elevate Credit Card isn't just a way to pay, it's a way to live. From expanding your travel horizon to enjoying once-in-a lifetime rewards explore the benefits of your Card here.

What else is covered?

Wherever you are in the world, and whatever you need, help is just a call away. Our Customer Service Centre is on hand 24/7 – simply call the number on the back of your Card.

Get support

Share the benefits of your American Express Elevate Credit Card with your loved ones with additional Cards² and the points they earn when they use their Card will be credited to your Account. You can add up to 4 additional Cards for no extra fee.

-Opening in new window Find out more

Get the most out of your Card

It's all yours. Embrace it.

The American Express Elevate Credit Card isn't just a way to pay, it's a way to live. From expanding your travel horizon to enjoying once-in-a lifetime rewards explore the benefits of your Card here.

What else is covered?

Global Card Support Wherever you are in the world, and whatever you need, help is just a call away. Our Customer Service Centre is on hand 24/7 – simply call the number on the back of your Card. Get support

Get the most out of your Card

Wherever you are in the world, and whatever you need, help is just a call away. Our Customer Service Centre is on hand 24/7 – simply call the number on the back of your Card.

Get support