How can I pay my American Express bill?

There are a variety of ways to pay your American Express^® Card bill via: 

• American Express Online Services
• Amex App
• Direct Debit
• American Express^® Card PayID
• BPAY^®
• In person at Australia Post

Please note: Credit Cards and debit Cards cannot currently be accepted as a form of payment.

To make a payment  via American Express Online Services

1. Log in to your Online Account
2. Go to ‘Payments’ in the navigation bar or select ‘Make a payment’ in your Account summary
3. Enter your payment amount, bank account and payment date

Once made, your payment will appear on your Account within 24-36 hours.

To make a payment within the Amex App

To pay your bill via the Amex App, you will first need to download the Amex App onto your mobile device. You will then need to register your bank details via Online Services, Mobile Messaging within the Amex App, or by calling the number on the back of your Card. Once registered, the bank information will be available for future payments.

1. How to register your bank details via American Express Online Services

• Log in to your Online Account 
• Go to ‘Payments’
• Select ‘Make a payment’
• Scroll down and select ‘Manage Bank’
• Enter your bank information and press continue

Once saved, you can pay your bill via the Amex App using the bank details on your Payment Method field.

2. Once the Amex App is installed and your bank details have been registered, follow these steps:

• Log in to the Amex App
• Select ‘Make a payment’ under ‘Total Balance’
• Enter the amount you want to pay
• Press continue then confirm payment and your payment will be made.

Please allow up to 72 hours for your payment to reflect online.

To make a payment via Direct Debit for Personal and Business Cards

In order to set up Direct Debit repayments on your American Express^® Card, simply provide your bank account details to American Express and tell us the amount you’d like to pay each month. You can do this in two ways: 

Option A: How to set up Direct Debit via American Express Online Services

1. Log in to your Online Account
2. Go to ‘Payments’
3. Select ‘Set up Direct Debit’
4. Read and agree to the Terms and Conditions
5. Select your Card number from the dropdown menu
6. Enter your 4-digit Card Identification Number (CID) printed above the Account Number on the front of your Card then click ‘Confirm’
7. Follow the prompts to complete the process.

If you have a Joint Card Account, you’ll only able to set up Direct Debit repayments by application, not online.

Option B: How to set up Direct Debit by application

If you have a Joint Card Account or would like to set up a Business or Company Account, you will need to complete an application form.

• Credit Card Direct Debit Form
• Charge Card Direct Debit Form

You will receive a letter to confirm if your enrolment has been successful or not. Keep in mind that it’s important you continue paying your Account using another payment option until your Direct Debit plan begins.

Paying your bill via PayID

You can pay your Card bill faster directly from your bank account using your unique American Express^® Card PayID.

1. Before paying for the first time, you must activate your Amex Card PayID by visiting americanexpress.com.au/activatepayid or by logging into your Online Account , selecting the ‘Payments’ tab and clicking on ‘View or Activate your PayID’.  
2. Once activated, you can pay your Card bill directly from your bank using mobile or internet banking
3. Log in to your preferred bank account
4. Choose email as the PayID payment type​
5. Enter your unique American Express^® Card PayID
6. Follow the prompts to make a payment (the payment reference field is optional)

Payments should arrive and appear on your Account in under a minute. You can also opt-in for Card Alerts to be notified that your payment has been received.

View the full Amex Card PayID Terms and Conditions here. Find out more.

Please note: Your bank may apply daily transaction limits or hold a payment for additional security checks. Contact your financial institution for further details.

Paying your bill via BPAY^®

You can pay your Credit Card bill directly from your bank account using BPAY^®.

• For all Cards: Biller Code: 5082
• Customer Reference Number: Your 15 digit Card number

It’s important to know that BPAY^® payments can take up to three business days to process, so you should make the payment at least three business days before your statement due date.

The daily BPAY^® transaction limit for American Express payments is $1,000,000. However, banks may have a lower default payment threshold. To request a higher transaction limit, please contact your remitting bank.

Paying your bill in person

To pay your bill in person, take your EFTPOS card, your American Express^® Card and your current posted statement to any Australia Post Office. For payments made at Australia Post, you will be charged a $3 handling fee and it can take up to three days to process the payment. Card Members who receive online statements are ineligible to pay their bill in person.

Please note: cash payments are no longer accepted.