How it Works
Refer your friends
by sharing your unique referral link.
They choose a Card
from a range of Personal or Business Cards that are part of your referral program.
You get rewarded
with Bonus Points if they apply via the referral link and are approved.
Step 1: Share your unique referral link with a friend or fellow business owner.
Step 2: Your friend clicks on the link and selects the Card you referred, or they may also be able to select a Card that best suits them from a range of Personal or Business Cards that are part of your referral program.
Step 3: You both get rewarded if your friend is approved and meets the eligibility criteria for their chosen Card.
For Personal Cards, the Bonus Points earned for each successful referral will depend on the Card you hold. The amount of Bonus Points you may receive under the ‘Refer a Friend’ program is capped at 200,000 Points per year.
For Business Cards, the Bonus Points earned for each successful referral will depend on the Card you hold. The amount of Bonus Points you may receive under the ‘Refer a Friend’ program is capped at 10,000,000 Points per year.
Eligibility criteria for the Refer a Friend American Express Referral program applies. Your Card account's eligibility to participate in the Referral program is based on factors including your account history with American Express. Eligibility for the Refer a Friend can change at any time.
American Express credit approval criteria apply. Participation in the "Refer A Friend" program is subject to eligibility deemed by American Express. All information is correct as at 11 September 2025 and is subject to change. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited (ABN 92 108 952 085), Australian Credit Licence No. 291313. ® Registered Trademark of American Express Company.
Don't Spam!
American Express discourages spamming. You should only send referral messages to friends and family who genuinely want to receive them. By participating in ‘Refer a Friend’, you agree to these terms and conditions:
- Friend: For the purpose of these terms and conditions, the term ‘friend’ means:
- For American Express Consumer Card referrals, individuals that are your friends, family or close associates; and
- For American Express Business Card referrals, entities that are known to you including companies, partnerships and sole proprietors that hold an active Australian Business Number (ABN).
- For the avoidance of doubt, if you already have an American Express Card, you are prohibited from referring yourself for any American Express Card.
- Only Friends & Family: You must only send referral messages to close friends and family.
- Ask Their Permission First: You must ask the person for their permission and be given consent to send them an email about your Card product. Sending emails to people without permission is considered spam.
- We encourage fair usage of this referral program and so limit the number of individuals who can apply using your referral link. This is capped at 25 in any 30-day period. The amount of Bonus Points you may receive under the 'Refer a Friend' program for Personal Cards is capped at 200,000 points per year. The amount of Bonus Points you may receive under the 'Refer a Friend' program for Business Cards is capped at 10,000,000 points per year.
- Your friend must apply from the referral link we have given you. If your friend applies from a separate link or applies independently (i.e. if they visit www.americanexpress.com.au directly) you will not receive your points.
- You must not market or promote this offer through paid advertising channels or to the public at large (i.e. on public blog sites, search engines or in sponsored ads).
- You will only receive Bonus Points if your friend's Card application is approved (in accordance with our usual Card application processes and assessments). Note: We will not tell you if your friend's Card application is approved or declined for privacy and confidentiality reasons.
- Your friend may not receive any points if they hold or previously held any Card product issued by American Express Australia Limited in the past 18 months.
- You must be enrolled in the relevant rewards loyalty program to receive Bonus Points.
- It may take 8 to 10 weeks to be credited Bonus Points if you are successful.