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Credit Know How: Helping you understand credit


There are lots of different types of Cards. This section will explain how to choose and how Credit Cards and Charge Cards work.

What is a Credit Card?


A Credit Card gives you the flexibility to pay for purchases in full or over several months.





What is a Charge Card?


Charge Cards are another type of payment method. If you have a Charge Card you are required to pay off your balance in full every month. You do not have the option to carry over a balance.



How to Apply for a Card?


Apply for an American Express Credit Card online. You’ll get a response within 60 seconds.





Credit Card Fees

and Charges


Some American Express Credit Cards charge an annual fee. The amount will vary depending on the Card you apply for.





Understanding Card

Interest Rate


It is important to remember hat if you have a Credit Card and you don't pay off your balance in full by the due date shown on your statement, you will be charged interest on all purhcases shown on that month's statement.



Repayment of a

Credit Card


At the end of your statement period, you can decide how much of your balance you want to pay off but you will need to pay the minimum repayment amount. You can find out about your minimum payment and how it is formed by looking at your Credit Card agreement.


Using your Card Abroad


American Express® Cards are accepted around the world, so you can have peace of mind when using your Card to make purchases overseas.




What is a supplementary Card?


A supplementary card allows the Basic Cardmember to add another person to their Account, sharing the benefits of American Express Card membership with a family member or friend.



What is cashback?


Discover what cashback is and how cashback works in this comprehensive article.







Charge Card VS Credit Card - What’s the difference?


A Charge Card is similar to a Credit Card in that they’re both convenient ways to pay for goods and services, with repayment delayed until the end of that particular statement period.


The main difference is a Charge Card requires you to pay off your balance in full each month, which means you cannot roll over your balance into the next month. With a Credit Card you have the freedom to pay off your balance all at once or over several months


Learn more about Charge Cards

Useful Terms

Explore Cards by Category

Frequent Flyer Cards


Enjoy points for flights.

Choose between a variety of Cards that offer you Avios points or Membership Rewards points for purchases made on your Card.


Shop with confidence

At American Express, we take your security seriously. That’s why we have measures in place to ensure you can shop with confidence.

Protection against fraud

Get more peace of mind through our Intelligent Security Systems, Secure Payment Process, and Fraud Protection Guarantee2.

Protection on purchases

Damaged a purchase or having trouble getting a refund? With eligible Cards, you can rely on us to put things right with 90 days’ Purchase and Refund Protection3.

Protection against phishing

We’re continually updating our online security features, but there are also some simple steps you can take to protect yourself.

Make payments with a swish of your mobile

Leave your wallet at home and enjoy the convenience of mobile payments. You can now make payments through contactless technology with your American Express® Card using Apple, Samsung and AndroidTM devices. To get started, all you have to do is scan your Card into the app and follow the prompts.

Explore Our Credit Cards

Explore our range of Cards—you’re bound to find something that suits your needs and lifestyle.