How to cover your Card charges with Membership Rewards® points?

With Cover Charges with Points, you can use the Membership Rewards^® points on your American Express Card to pay off Card transactions and reduce your Card balance. If you choose to use this feature, points will be debited from your Membership Rewards account and a credit placed on your Card in line with the points chosen to be used for the eligible transaction.

Via your Online Account

1. Log in to your Online Account
2. Go to 'Explore Rewards'
3. Select 'Redeem Now'
4. Select the Charges you want to cover from your transaction list then select 'Redeem Now'

Via the Amex App

1. Go the Amex App 
2. Go to 'Membership' then 'Redeem Rewards'
3. Select 'Cover Charges with Points' from the Catalogue

*Cover Charges with Points. For each successful transaction using Cover Charges with Points, points will be debited from your Membership Rewards account and a credit placed on your Card in line with the points chosen to be used for the Eligible Charge. A minimum of 1,000 Membership Rewards points is required to cover any eligible transaction with points. Any credit to your Card account cannot exceed the amount of the relevant Eligible Charges. A credit will appear on your statement identified as “Membership Rewards Credit”. Points will be debited immediately and the credit will take up to 3 business days to appear online. Credits processed after the Card account’s statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card account by the due date. Any charges covered by points is not redeemable for cash via Credit balance refund. American Express will select and display each eligible charge that can be covered with points (“Eligible Charge”) and the points rate required to cover the Eligible Charge. Each Eligible Charge must: (a) appear within the Online Statement of the Summary of Accounts page; (b) be redeemed within 2 months of the charge appearing on your Card account; (c) not currently or have previously been disputed; and (d) not be a fee. Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any time without notice. Eligible transactions can be covered by points via your online account or American Express mobile app. Covering charges with points is available only to Basic Cardmembers enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing.