American Express Payment Flexibility

 

Flexible lending at
your fingertips

When you need funds without the fuss, you’ll find American Express offers a range of flexible
business and personal lending solutions. Even better, because you’re an American Express Card
Member, your funds are already approved.

Plan It®

With equal monthly repayments there’s no interest, but a fixed monthly fee applies.

Pay Over Time

Pay your minimum balance and carry over the rest.


Plan It



Plan It


Plan It is a feature on your American Express Credit Card that allows you to pay off a specific transaction or a portion of your balance in equal monthly instalments.

 

Choose between 3, 6 and 12 month terms, for just a set monthly fee.1

Available on Credit Cards

Just a fixed monthly fee

Choose to repay over 3, 6 or 12 months

Predictable monthly instalments


Pay over time



Pay over time


Having an American Express Credit Card allows you to repay the amount due over time. However, making higher repayments over a shorter term will leave you with more available credit to use when needed.

 

You may also receive promotional rate offers throughout the year if you match certain eligibility, so watch out for those as a way of paying your balance down quicker.2

Available on Credit Cards

Pay as much or as little more as you like

You choose the amount you repay each month, as long as it’s over the minimum repayment

Manage your limit

 

If you’d like to make changes to your credit limit, you can request this through Online Services or call the number on the back of your Card.

Add Additional Cards to
your Account

 

Linking up to 4 Additional Cards4 to your Primary Account is a great way to share some of the benefits of your American Express Membership, like Amex Offers5 and Fraud Protection6, with those closest to you.

 

All the Cards can be used at the same time in different places, allowing you to maximise your points4 potential, and all points earned accumulate into your Primary Account.

Maximise your points potential

Complete visibility of all Additional Card transactions

Fraud Protection Guarantee

How your interest-free period works

 

The Credit Card interest free period, or ‘interest free days’, refers to the time between purchasing something with your Credit Card and when interest is applied to that purchase. Depending on your Card, this can be up to 25 days following the end of your statement period.

 

However, to qualify for interest free days you’ll need to pay the full closing balance of your monthly statement by the due date each month (excluding if you carry forward a balance from the previous statement period).

 

To get the most from your Credit Card's interest free days, make your purchase on the day a new statement period begins and pay the closing balance by the due date shown on your statement.7

Looking for a Card that suits your needs?

Explore and compare our range of Cards and their benefits to find the best choice for you.

Rewards

Earn Membership Rewards® points from

everyday spending

Frequent Flyer

Maximise rewards for

every trip

Platinum

Enjoy premium
benefits and service