Rewards Credit Cards
from American Express

Let your everyday spend become amazing rewards.

Earn points faster from your everyday spend

Every time you use your Membership Rewards Credit Card​ to pay for items you regularly buy, you will earn Membership Rewards points. It makes everything more rewarding, from buying the groceries to paying bills.

What is the American Express Membership Rewards Programme?

Our Membership Rewards loyalty programme rewards Card Members for using their American Express® Card. The more you use your Card, the more Membership Rewards points you can earn. You can then redeem points for travel, gift cards, entertainment experiences and much more.

How can you earn points faster?

Keep an eye out for a Rewards Card that earns points faster, such as the American Express Gold Rewards Card  which earns you 2 points per dollar spent1on purchases . It’s just one of the ways you can maximise points and make your Rewards Credit Card​ work harder for you.

Where can you use Membership Rewards points?

There are so many ways you can use Membership Rewards points. Redeem points for one-off experiences, travel, gift cards and more of the things you love.

Do Membership Rewards points expire?

No, Membership Rewards points will never expire, as long as your Account is current and in good standing. There is no cap on the amount of points you can earn. You can save Membership Rewards points until you are ready to use them.

Cards that make life more rewarding

An easy way to start
earning rewards

Credit Card​

Up to 55 interest free days3


Earn 2 Membership Rewards points
per $1 spent on your card1

Transfer points to use on gift cards, travel or to pay off eligible purchases.1

Get up to $200 Dining Credit
Enjoy $100 back twice a year at participating restaurants in the Local Dining Collection. Exclusions, T&Cs apply.2

The fastest way to earn
Airpoints Dollars

Credit Card
Up to 55 interest free days3

Earn 1 Airpoint Dollar
for every $59 you spend4

Earn 1 Status Point
for every $250 you spend5

Complimentary passes to airport lounges
with Priority PassTM4 and The Centurion® Lounge at Sydney International Airport or Melbourne International Airport6

Complimentary domestic and
international Travel Insurance cover7


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.

Explore our Personal Cards


Earn Airpoints
Dollars™ fast


Earn points from

everyday spending

No Annual Fee

Card Member benefits
with no annual fee