How to pay your
Credit Card bill

Whether you prefer online or in person,
the choice is yours.

Want to better understand your bill or different ways you can pay it?
Choose one of the options below.

How to pay your bill online

Paying a Credit Card bill can be done through your internet banking. Just follow the steps below:

Step 1

Log in to your internet banking via your bank website

Step 2

Add American Express as a new payee and include the relevant American Express Account information listed below

Step 3

Follow the prompts to pay your bill. Allow up to three days for your payment to clear

You will need the following Account information to make a payment:


For American Express Personal Credit, Charge and Small Business Card payments: For American Express Corporate Card payments:
Account Number:
03 0252 0481162 11
Account Number:
03 0252 0481162 04
Surname, Initials (max 12 characters)
Surname, Initials (max 12 characters)
First four digits of card number
First four digits of card number
Last 11 digits of Card number
Last 11 digits of Card number

Paying by Direct Debit

A Direct Debit lets you pay bills automatically, so you don’t have to worry about missing the due date. All we need from you is your bank account details and the amount you’d like to pay each month.

Paying over the phone

If it’s easier for you, you can pay your bill via Telephone banking.

Paying in person

Important Information – Payments by cheque at NZ Post will cease from 28 February 2020.


Effective 28 February 2020 NZ Post will cease accepting cheques for payment. You can continue to make payment of your American Express bill at NZ Post via EFTPOS or Cash. For more information on ways to pay your bill please visit


To pay your bill in person, simply visit your nearest New Zealand PostShop and bring with you a paper statement (sent to you by mail). Please note, a printed statement from your online Account cannot be used for this purpose.

Cash payments made at New Zealand Post are limited to either $7,000 or the amount owing on your current statement, whichever is less. Please allow up to three days for your payment to be cleared.

What exactly is a credit card minimum repayment?

The minimum repayment is the very least you have to pay by the payment due date on your monthly statement. This is set at a minimum of $10 or 3% of your closing balance – whichever is greater.

What happens if I’m not able to pay my minimum repayment?

We understand that there are some things in life that are out of your control. If you are experiencing financial difficulty or hardship, we have a dedicated Customer CARE Team that is committed to finding ways to help.

Can I set up automatic payments?

Automatic payment plans are a great way to ensure that you pay your Credit Card bills on time. If you set up a direct debit to automatically pay a certain amount every month, you’ll always have the peace of mind of knowing you’ve made a payment. You can also opt-in for SMS or email alerts to remind you that payment is due.

How does the type of payment I make affect interest charged?

If you pay the minimum repayment, you still get charged interest. It will appear on your next statement. If you have been paying the minimum payment amount for several months and then decide to pay in full, interest will still appear from the previous month’s closing balance. This is known as trailing interest and is the amount of interest that accrues between when your Credit Card bill is sent and when payment is received.

What is a late payment fee?

If you miss a payment, you may need to pay a late payment fee. This amount will be specified as a late payment message in your statement.

Pay off your Credit Card more efficiently

You have several options that will help you effectively manage your Credit Card balance. Knowing the best time to make purchases will ensure you make the most of your interest free period.

For example, if you purchase an item at the beginning of the credit cycle you will receive 55 days interest free, whereas if you buy something 20 days into the cycle, you’ll have 35 days without being charged any interest.

Download The American Express® Mobile App to keep a close eye on your transactions and your balance. And, of course, ensure you pay off your balance in full each month.

Need to know more about managing your Account?

Whether you’re just getting started, or want to learn more about maximising your Card benefits, here’s everything you need to know about managing your Card.

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