Some things you should know about Credit Card fees

Credit Card fees are a standard part of having a Card. Here’s what you need to know.

Types of fees

On some Cards, we charge an annual Card fee, and in return you get richer rewards, features and benefits. The rewards vary from Card to Card. There are also other Credit Card transaction fees and Credit Card fees you should know about.

When do we charge you an annual Card fee?

We will charge an annual Card fee within the first statement period as a new Card member, and annually, in the month of your Card Membership anniversary.


Can you choose a Credit Card without an annual fee?

Yes. The American Express Airpoints Card is a no annual fee Credit Card that also allows you to earn Airpoints Dollars™ fast.


What is a Credit Card surcharge?

A surcharge is a fee that a business charges a customer for using a Card to make a purchase. While American Express strongly opposes surcharging, it is not illegal and is a cost that a business can choose to pass on to a customer if they wish.

Discover the Card that earns Airpoints Dollars fast with no annual fee

The American Express
Airpoints Card

  • No annual fee
  • Earn 1 Airpoints Dollar for every $100 you spend1
  • 0% p.a. introductory interest rate on purchases for the first 6 months2

Need to know more about how Credit Cards work?

There are a few things that are useful to know when choosing a Credit Card – from rewards, fees, interest charges and credit limits, to understanding the different Cards available to you.

Explore our Personal Cards

Airpoints™

Earn Airpoints
Dollars™ fast

Rewards

Earn points from
everyday spending

Platinum

Premium benefits
and services

No Annual Fee

Card Member benefits
with no annual fee

Membership that gives you more

As an American Express Card Member you can take advantage of more travel benefits, richer rewards and outstanding service, plus 24/7 Global Support.