How to pay in instalments with Plan It^® on American Express Credit Cards?

Plan It Instalments* is a feature on your American Express Credit Card that allows you to pay off transactions - or a portion of your balance - in equal monthly payments with a 3, 6 or 12-month plan. There’s no interest but a fixed monthly fee applies. The minimum plan is AUD$100. 

1. Log in to your Online Account or go to the Amex App
2. Select the item or the portion of your balance you want to pay in instalments (min. amount $100)
3. Choose between a 3, 6 or 12-month plan
4. Review and confirm your repayments, which includes the monthly fee

Your plan amount will be automatically included in your Minimum Payment Due each month.

Learn more about Plan It^®.

*Plan It^® Instalments

You can create an Instalment Plan as long as your account is in good standing. We may prevent you from creating any new Instalment Plans or cancel any of your existing Instalment Plan(s) at any time if your Card Account is overdue, or if you do not comply with your Card Conditions.

The minimum Plan amount is AUD$100. We may also limit the amount that can be transferred to an Instalment Plan.

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 disclosed to you at the time of creating your 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 may request to cancel your Instalment Plan(s) at any time through your Online Account or the Amex App. Any billed Monthly Plan Fees will remain payable, but no further Monthly Plan Fees will be billed after cancellation is effective. As cancellation can take 24-48 hours to process (“Processing Time”), you may be charged a further monthly plan fee after requesting cancellation if the Processing Time occurs on your payment date.

View the full Plan It® Instalment Terms and Conditions here.