American Express Credit Cards

amex-logo

Save on low interest rates and balance transfers, enjoy premium insurances and boost your rewards balance with bonus points with an American Express credit card.

American Express (otherwise known as Amex) offers a range of credit card products in the Australian market. So whether you're looking to save on credit card costs with low interest, no annual fee and 0% balance transfer offers or want to get more from your card with the Membership Rewards program, concierge services and complimentary insurance covers, American Express offers cards to suit most types of cardholders. While some American Express cards are issued through the bank, others are dual cards issued by organisations such as ANZ and Commonwealth Bank.

If you're interested in an American Express credit card, you can compare the fees, features and benefits of your options in the comparison tables below to find the right option for you.

Sponsorship - American Express Essential - NAF - PE-33243

American Express Credit Card Offer

The American Express Essential® Credit Card offers Membership Rewards points per $1 spent, no annual fee and a promotional balance transfer rate.

  • Receive $50 credit if you are a new Card member when you apply online, are approved and spend $750 within the first 3 months of Card Membership.
  • Earn up to 1 Membership Rewards point for every $1 spent on eligible purchases.
  • Transfer your points to a choice of 8 Airline Rewards Partner Programs.
  • Enjoy 0% p.a. on balance transfers for the first 12 months – a one-off credit plan establishment fee of 1% applies.
  • Smartphone Screen Insurance for up to $500 for screen repairs to your smartphone with 10% excess per claim. Up to 2 claims per 12-month period.

    American Express Credit Cards Comparison

    Rates last updated December 10th, 2016.

    American Express Platinum Edge Credit Card

    Standard 10,000 bonus points offer + 0% for 12 months BT offer + $200 Travel Credit

    November 1st, 2016

    American Express Qantas Ultimate Card

    New offer of 100,000 bonus Qantas Points + extended 0% for 12 months BT offer until 30 January 2017

    November 15th, 2016

    American Express Explorer Credit Card

    100,000 bonus points and balance transfer offers have been extended until 30 January 2017.

    November 29th, 2016

    View latest updates

    Jonathan Choi Jonathan
    Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
    American Express Essential Credit Card
    American Express Essential Credit Card
    1 $0 p.a. Go to site More info
    American Express Explorer Credit Card
    American Express Explorer Credit Card
    100,000 bonus points 2 $395 p.a. Go to site More info
    American Express Platinum Edge Credit Card
    American Express Platinum Edge Credit Card
    10,000 bonus points 0 1 $195 p.a. Go to site More info
    American Express Qantas Ultimate Card
    American Express Qantas Ultimate Card
    100,000 bonus points 0 1 $450 p.a. Go to site More info
    American Express Velocity Platinum Card
    American Express Velocity Platinum Card
    50,000 bonus points 0 1 $349 p.a. Go to site More info
    American Express Velocity Escape Card
    American Express Velocity Escape Card
    7,500 bonus points 0 1 $0 p.a. Go to site More info
    American Express Qantas Premium Card
    American Express Qantas Premium Card
    30,000 bonus points 0 1 $249 p.a. Go to site More info
    American Express Qantas Discovery Card
    American Express Qantas Discovery Card
    7,500 bonus points 0 1 $0 p.a. Go to site More info
    American Express Platinum Card
    American Express Platinum Card
    100,000 bonus points 0 1 $1,200 p.a. Go to site More info
    American Express Gold Business Card
    American Express Gold Business Card
    10,000 bonus points 0 1 $169 p.a. Go to site More info
    American Express Velocity Business Card
    American Express Velocity Business Card
    0 1 $249 p.a. Go to site More info
    David Jones American Express
    David Jones American Express
    30,000 bonus points 1 $99 p.a. Go to site More info
    David Jones American Express Platinum Card
    David Jones American Express Platinum Card
    40,000 bonus points 1 $295 p.a. Go to site More info
    American Express Business Card
    American Express Business Card
    0 1 $109 p.a. Go to site More info
    American Express Platinum Business Card
    American Express Platinum Business Card
    100,000 bonus points 0 1 $1,500 p.a. Go to site More info
    American Express Qantas Business Card
    American Express Qantas Business Card
    0 1 $299 p.a. More info
    American Express Business Accelerator Credit Card
    American Express Business Accelerator Credit Card
    0 2 $160 p.a. More info
    American Express Qantas Corporate Green Card
    American Express Qantas Corporate Green Card
    0 0 $70 p.a. More info

    American Express Companion & Dual Credit Cards

    Rates last updated December 10th, 2016.

    NAB Qantas Rewards Premium Card - Exclusive Offer

    Exclusive 75,000 bonus points when you spend $1,500 on everyday purchases in the first 90 days.

    October 24th, 2016

    ANZ Frequent Flyer Platinum

    50,000 bonus points offer has been extended, plus a new offer of $0 annual fee for the first year.

    November 29th, 2016

    ANZ Frequent Flyer

    25,000 bonus points extension with $2,500 minimum spend + annual fee waiver for the first year.

    November 29th, 2016

    View latest updates

    Jonathan Choi Jonathan
    Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
    NAB Qantas Rewards Premium Card - Exclusive Offer
    NAB Qantas Rewards Premium Card - Exclusive Offer
    75,000 bonus points 0.5 1.5 $250 p.a. Go to site More info
    ANZ Frequent Flyer Platinum
    ANZ Frequent Flyer Platinum
    50,000 bonus points 0.5 1.5 $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
    ANZ Frequent Flyer Black
    ANZ Frequent Flyer Black
    75,000 bonus points 0.75 1.5 $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
    ANZ Frequent Flyer
    ANZ Frequent Flyer
    25,000 bonus points 0.5 1 $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
    ANZ Rewards Credit Card
    ANZ Rewards Credit Card
    25,000 bonus points 0.75 1.5 $80 p.a. Go to site More info
    ANZ Rewards Platinum
    ANZ Rewards Platinum
    50,000 bonus points 1 2 $95 p.a. Go to site More info

    Types of credit card from American Express

    Many well-known Australian banks issue American Express credit cards as companion credit cards — a Visa or MasterCard card and an American Express card — but there are also a number of American Express issued credit cards available for personal and business. You can compare premium products for high-income earners, rewards cards or cards with low rates and fees to save on costs below.

    • Balance transfer credit cards

    If you're struggling to repay an existing debt because of high interest, you could transfer your old balance to an American Express card with a 0% balance transfer rate for 12 months. This means that you'll have the chance to repay your debt faster and without the extra cost of interest while the promotional period is in place. Please note that a one-time 1% balance transfer fee applies. See our step-by-step guide on how to complete a balance transfer with American Express for further information.

    Rates last updated December 10th, 2016
    $
    % p.a.

    Your search criteria didn't return any products. Click to reset your filter options and search again
    Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
    American Express Essential Credit Card
    Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
    0% p.a. for 12 months with 1% balance transfer fee 14.99% p.a. $0 p.a. Go to site More info
    American Express Platinum Edge Credit Card
    Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
    0% p.a. for 12 months with 1% balance transfer fee 20.74% p.a. $195 p.a. Go to site More info
    American Express Velocity Platinum Card
    Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
    0% p.a. for 12 months with 1% balance transfer fee 20.74% p.a. $349 p.a. Go to site More info
    American Express Qantas Discovery Card
    Enjoy up to 7,500 bonus Qantas Frequent Flyer Points and 1 point per $1 spent, plus 0% p.a. on balance transfers for 12 months, all for a $0 annual fee.
    0% p.a. for 12 months with 1% balance transfer fee 20.74% p.a. $0 p.a. Go to site More info
    American Express Qantas Ultimate Card
    Enjoy up to 100,000 bonus Qantas Points on eligible spend, earn up to 3 Qantas Points for every $1 spent and get a free domestic return flight every year.
    0% p.a. for 12 months with 1% balance transfer fee 20.74% p.a. $450 p.a. Go to site More info
    American Express Explorer Credit Card
    Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
    0% p.a. for 12 months with 1% balance transfer fee 20.74% p.a. $395 p.a. Go to site More info
    Rates last updated December 10th, 2016
    $
    % p.a.

    Your search criteria didn't return any products. Click to reset your filter options and search again
    Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Offers 0% p.a. interest rate on balance transfers for 18 months to help you manage your existing credit card balance with a reduced annual fee in the first year.
    0% p.a. for 18 months 20.74% p.a. $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
    HSBC Platinum Credit Card
    Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
    0% p.a. for 15 months 19.99% p.a. $149 p.a. Go to site More info
    ANZ Platinum Credit Card - Exclusive Offer
    Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
    0% p.a. for 12 months 0% p.a. for 3 months (reverts to 19.74% p.a.) $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
    NAB Low Rate Credit Card
    The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
    0% p.a. for 15 months with a one off 3% balance transfer fee 0% p.a. for 15 months (reverts to 13.99% p.a.) $59 p.a. Go to site More info
    NAB Low Fee Card
    Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
    0% p.a. for 15 months with a one off 3% balance transfer fee 0% p.a. for 15 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
    St.George Vertigo Visa
    Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
    0% p.a. for 18 months 1% p.a. for 12 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
    St.George Vertigo Platinum
    A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
    0% p.a. for 18 months 1% p.a. for 12 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
    Virgin No Annual Fee Credit Card
    Enjoy a long term balance transfer plus a $100 cashback offer (spend criteria applies) and never pay an annual fee for this card.
    0% p.a. for 18 months with 2% balance transfer fee 18.99% p.a. $0 p.a. Go to site More info
    Westpac Low Rate Card
    A no frills credit card with an introductory rate of 0% p.a. for 16 months on balance transfers and 1% p.a. for 12 months on purchases.
    0% p.a. for 16 months 1% p.a. for 12 months (reverts to 13.49% p.a.) $59 p.a. Go to site More info
    American Express Essential Credit Card
    Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
    0% p.a. for 12 months with 1% balance transfer fee 14.99% p.a. $0 p.a. Go to site More info
    • Low rate credit cards

    Unfortunately, the American Express Low Rate Credit Card is no longer available to new customers. Instead, you might want to consider the American Express Essential Credit Card which has a competitive ongoing interest rate of  Otherwise, most American Express credit cards have a higher interest rate of 20.47% p.a.

    • Rewards credit cards

    Depending on the card, American Express rewards cards will earn Membership Rewards points on all eligible purchases. These points can then be redeemed for rewards such as cash back, flight rewards with your choice of nine partnered airline loyalty programs, gift cards and more. If you're a regular spender and always repay your balance in full by the end of the statement period, a rewards American Express credit card could be a convenient way to get extra perks from paying on plastic. Depending on the card, you could earn between 7,500 and 100,000 bonus Membership Rewards on signup if you meet the spend requirement after being approved for one of these cards.

    Rates last updated December 10th, 2016
    Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
    American Express Velocity Escape Card
    Enjoy 7,500 bonus Velocity Points when you meet the minimum spend requirement and earn up to 2 points for every $1 you spend, together with a $0 annual fee.
    1 0 7,500 bonus points $0 p.a. Go to site More info
    American Express Qantas Discovery Card
    Enjoy up to 7,500 bonus Qantas Frequent Flyer Points and 1 point per $1 spent, plus 0% p.a. on balance transfers for 12 months, all for a $0 annual fee.
    1 0 7,500 bonus points $0 p.a. Go to site More info
    American Express Qantas Premium Card
    Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
    1 0 30,000 bonus points $249 p.a. Go to site More info
    American Express Velocity Platinum Card
    Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
    1 0 50,000 bonus points $349 p.a. Go to site More info
    American Express Platinum Edge Credit Card
    Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
    1 0 10,000 bonus points $195 p.a. Go to site More info
    American Express Qantas Ultimate Card
    Enjoy up to 100,000 bonus Qantas Points on eligible spend, earn up to 3 Qantas Points for every $1 spent and get a free domestic return flight every year.
    1 0 100,000 bonus points $450 p.a. Go to site More info
    American Express Platinum Card
    Receive 100,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 900 VIP airport lounges.
    1 0 100,000 bonus points $1,200 p.a. Go to site More info
    American Express Gold Business Card
    Enjoy 24-hour worldwide service plus a great range of tailored expense management solutions designed to help maintain control of your corporate expenses.
    1 0 10,000 bonus points $169 p.a. Go to site More info
    American Express Platinum Business Card
    Receive 100,000 bonus points when you meet the minimum spend requirement and earn up to 2 Membership Rewards points for every dollar spent.
    1 0 100,000 bonus points $1,500 p.a. Go to site More info
    David Jones American Express
    Receive 30,000 Membership Rewards points and earn up to 3 Rewards points for every dollar spent on everyday item and access exclusive in-store benefits to David Jones cardholders.
    1 30,000 bonus points $99 p.a. Go to site More info
    David Jones American Express Platinum Card
    Earn 40,000 Membership Rewards points when you spend outside of David Jones 3 times in the first month.
    1 40,000 bonus points $295 p.a. Go to site More info
    Rates last updated December 10th, 2016
    Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
    American Express Explorer Credit Card
    Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
    2 100,000 bonus points $395 p.a. Go to site More info
    American Express Essential Credit Card
    Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
    1 $0 p.a. Go to site More info
    HSBC Platinum Credit Card
    Enjoy an annual fee refund every year if you meet the spend requirement with a balance transfer offer, high credit limits and prestige services including a personal concierge service and VISA Platinum rewards program.
    0 1 $149 p.a. Go to site More info
    HSBC Platinum Qantas Credit Card
    Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
    0 1 60,000 bonus points $199 p.a. Go to site More info
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Earn bonus Velocity Points in the first 3 months plus a low balance transfer offer of 0% p.a. for 18 months
    0 0.66 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
    NAB Qantas Rewards Premium Card - Exclusive Offer
    Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
    1.5 0.5 75,000 bonus points $250 p.a. Go to site More info
    Virgin Australia Velocity Flyer Card - 0% Interest Offer
    Earn Velocity Points plus enjoy an introductory interest-free offer of 0% p.a. on purchases for 12 months, and 0% p.a. for 6 months on balance transfers.
    0 0.66 $129 p.a. Go to site More info
    ANZ Rewards Platinum
    Earn points for every dollar spent on purchases plus a 50,000 Reward Points after your first eligible purchase is made within 3 months of card approval.
    2 1 50,000 bonus points $95 p.a. Go to site More info
    American Express Velocity Platinum Card
    Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
    1 0 50,000 bonus points $349 p.a. Go to site More info
    American Express Platinum Edge Credit Card
    Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
    1 0 10,000 bonus points $195 p.a. Go to site More info
    Rates last updated December 10th, 2016
    Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
    American Express Velocity Escape Card
    Enjoy 7,500 bonus Velocity Points when you meet the minimum spend requirement and earn up to 2 points for every $1 you spend, together with a $0 annual fee.
    1 0 7,500 bonus points $0 p.a. Go to site More info
    American Express Qantas Discovery Card
    Enjoy up to 7,500 bonus Qantas Frequent Flyer Points and 1 point per $1 spent, plus 0% p.a. on balance transfers for 12 months, all for a $0 annual fee.
    1 0 7,500 bonus points $0 p.a. Go to site More info
    American Express Qantas Premium Card
    Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
    1 0 30,000 bonus points $249 p.a. Go to site More info
    American Express Velocity Platinum Card
    Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
    1 0 50,000 bonus points $349 p.a. Go to site More info
    American Express Platinum Edge Credit Card
    Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
    1 0 10,000 bonus points $195 p.a. Go to site More info
    American Express Qantas Ultimate Card
    Enjoy up to 100,000 bonus Qantas Points on eligible spend, earn up to 3 Qantas Points for every $1 spent and get a free domestic return flight every year.
    1 0 100,000 bonus points $450 p.a. Go to site More info
    American Express Platinum Card
    Receive 100,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 900 VIP airport lounges.
    1 0 100,000 bonus points $1,200 p.a. Go to site More info
    American Express Gold Business Card
    Enjoy 24-hour worldwide service plus a great range of tailored expense management solutions designed to help maintain control of your corporate expenses.
    1 0 10,000 bonus points $169 p.a. Go to site More info
    American Express Platinum Business Card
    Receive 100,000 bonus points when you meet the minimum spend requirement and earn up to 2 Membership Rewards points for every dollar spent.
    1 0 100,000 bonus points $1,500 p.a. Go to site More info
    David Jones American Express
    Receive 30,000 Membership Rewards points and earn up to 3 Rewards points for every dollar spent on everyday item and access exclusive in-store benefits to David Jones cardholders.
    1 30,000 bonus points $99 p.a. Go to site More info
    David Jones American Express Platinum Card
    Earn 40,000 Membership Rewards points when you spend outside of David Jones 3 times in the first month.
    1 40,000 bonus points $295 p.a. Go to site More info
    Rates last updated December 10th, 2016
    Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
    American Express Explorer Credit Card
    Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
    2 100,000 bonus points $395 p.a. Go to site More info
    American Express Essential Credit Card
    Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
    1 $0 p.a. Go to site More info
    HSBC Platinum Credit Card
    Enjoy an annual fee refund every year if you meet the spend requirement with a balance transfer offer, high credit limits and prestige services including a personal concierge service and VISA Platinum rewards program.
    0 1 $149 p.a. Go to site More info
    HSBC Platinum Qantas Credit Card
    Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
    0 1 60,000 bonus points $199 p.a. Go to site More info
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Earn bonus Velocity Points in the first 3 months plus a low balance transfer offer of 0% p.a. for 18 months
    0 0.66 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
    NAB Qantas Rewards Premium Card - Exclusive Offer
    Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
    1.5 0.5 75,000 bonus points $250 p.a. Go to site More info
    Virgin Australia Velocity Flyer Card - 0% Interest Offer
    Earn Velocity Points plus enjoy an introductory interest-free offer of 0% p.a. on purchases for 12 months, and 0% p.a. for 6 months on balance transfers.
    0 0.66 $129 p.a. Go to site More info
    ANZ Rewards Platinum
    Earn points for every dollar spent on purchases plus a 50,000 Reward Points after your first eligible purchase is made within 3 months of card approval.
    2 1 50,000 bonus points $95 p.a. Go to site More info
    American Express Velocity Platinum Card
    Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
    1 0 50,000 bonus points $349 p.a. Go to site More info
    American Express Platinum Edge Credit Card
    Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
    1 0 10,000 bonus points $195 p.a. Go to site More info
    Learn more about Rewards Credit Cards
    • Frequent flyer credit cards

    Rather than earning points with the Membership Rewards program, American Express frequent flyer credit cards let you earn points with an airline loyalty program directly from your purchases. Currently, American Express offers frequent flyer cards that can earn Qantas Frequent Flyer Points or Velocity Points with Virgin Australia's loyalty program. These cards offer up to 100,000 bonus points on signup when you meet the spend requirement, helping you boost your points balance from the offset. While some of these cards have a $0 annual fee, others have annual fees up to $450.

    Rates last updated December 10th, 2016
    Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
    American Express Qantas Discovery Card
    American Express Qantas Discovery Card
    7,500 bonus points 0 1 $0 p.a. Go to site More info
    American Express Qantas Ultimate Card
    American Express Qantas Ultimate Card
    100,000 bonus points 0 1 $450 p.a. Go to site More info
    American Express Velocity Escape Card
    American Express Velocity Escape Card
    7,500 bonus points 0 1 $0 p.a. Go to site More info
    American Express Velocity Platinum Card
    American Express Velocity Platinum Card
    50,000 bonus points 0 1 $349 p.a. Go to site More info
    Rates last updated December 10th, 2016
    Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
    HSBC Platinum Qantas Credit Card
    HSBC Platinum Qantas Credit Card
    60,000 bonus points 1 0 $199 p.a. Go to site More info
    ANZ Frequent Flyer Black
    ANZ Frequent Flyer Black
    75,000 bonus points 0.75 1.5 $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
    American Express Essential Credit Card
    American Express Essential Credit Card
    1 $0 p.a. Go to site More info
    American Express Explorer Credit Card
    American Express Explorer Credit Card
    100,000 bonus points 2 $395 p.a. Go to site More info
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    0.66 0 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
    NAB Qantas Rewards Premium Card - Exclusive Offer
    NAB Qantas Rewards Premium Card - Exclusive Offer
    75,000 bonus points 0.5 1.5 $250 p.a. Go to site More info
    Virgin Australia Velocity Flyer Card - 0% Interest Offer
    Virgin Australia Velocity Flyer Card - 0% Interest Offer
    0.66 0 $129 p.a. Go to site More info
    American Express Platinum Edge Credit Card
    American Express Platinum Edge Credit Card
    10,000 bonus points 0 1 $195 p.a. Go to site More info
    American Express Velocity Platinum Card
    American Express Velocity Platinum Card
    50,000 bonus points 0 1 $349 p.a. Go to site More info
    American Express Qantas Ultimate Card
    American Express Qantas Ultimate Card
    100,000 bonus points 0 1 $450 p.a. Go to site More info
    Learn more about Frequent Flyer Credit Cards
    • Store credit cards

    Much like rewards credit cards, store credit cards let you take advantage of rewards with a particular merchant. For example, the David Jones American Express credit cards allow you to earn Membership Rewards and take advantage of exclusive in-store benefits with the department store. If you're a loyal and frequent David Jones shopper, this card could help reward your purchases.

    Rates last updated December 10th, 2016
    Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
    David Jones American Express Platinum Card
    Earn 40,000 Membership Rewards points when you spend outside of David Jones 3 times in the first month.
    1 40,000 bonus points $295 p.a. Go to site More info
    David Jones American Express
    Receive 30,000 Membership Rewards points and earn up to 3 Rewards points for every dollar spent on everyday item and access exclusive in-store benefits to David Jones cardholders.
    1 30,000 bonus points $99 p.a. Go to site More info
    Rates last updated December 10th, 2016
    Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
    David Jones American Express
    Receive 30,000 Membership Rewards points and earn up to 3 Rewards points for every dollar spent on everyday item and access exclusive in-store benefits to David Jones cardholders.
    1 30,000 bonus points $99 p.a. Go to site More info
    American Express Platinum Edge Credit Card
    Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
    1 0 10,000 bonus points $195 p.a. Go to site More info
    • Business credit cards

    If you manage your business expenses on plastic, a business credit card from American Express could come in handy. With additional cardholders to manage employee spending, the opportunity to earn Membership Rewards on business spending and tools to track your business expenditure, American Express credit cards offer many features that could benefit your business' finances.

    Rates last updated December 10th, 2016
    Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
    American Express Gold Business Card
    Enjoy 24-hour worldwide service plus a great range of tailored expense management solutions designed to help maintain control of your corporate expenses.
    10,000 bonus points VISA/MC: 0 AMEX: 1 0 months $169 p.a. $24,000 Go to site More info
    American Express Platinum Business Card
    Receive 100,000 bonus points when you meet the minimum spend requirement and earn up to 2 Membership Rewards points for every dollar spent.
    100,000 bonus points VISA/MC: 0 AMEX: 1 6 months $1,500 p.a. $75,000 Go to site More info
    American Express Velocity Business Card
    This is a rewarding business card with no pre-set spending limit, Velocity Points earning and up to 51 days interest-free on purchases.
    VISA/MC: 0 AMEX: 1 0 months $249 p.a. $24,000 Go to site More info
    American Express Business Card
    One of the original charge cards from American Express that offers complimentary insurances including purchase protection and accident cover.
    VISA/MC: 0 AMEX: 1 0 months $109 p.a. $24,000 Go to site More info
    American Express Business Accelerator Credit Card
    This credit card gives you up to 55 days of interest-free purchases.
    VISA/MC: 0 AMEX: 2 $160 p.a. $24,000 More info
    American Express Qantas Business Card
    Earn 1 Qantas Point per dollar spent on eligible purchases.
    VISA/MC: 0 AMEX: 1 0 months $299 p.a. $24,000 More info
    Rates last updated December 10th, 2016
    Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
    American Express Platinum Business Card
    Receive 100,000 bonus points, earn up to 2 Membership Rewards points for every dollar spent, complimentary insurances and access to 800 VIP Lounges in 100 countries.
    100,000 bonus points VISA/MC: 0 AMEX: 1 6 months $1,500 p.a. $75,000 Go to site More info
    American Express Business Card
    One of the original charge cards from American Express that offers complimentary insurances including purchase protection and accident cover.
    VISA/MC: 0 AMEX: 1 0 months $109 p.a. $24,000 Go to site More info
    American Express Gold Business Card
    Receive 10,000 bonus points on signup and earn 1 Membership Rewards points per $1 spent with uncapped earnings.
    10,000 bonus points VISA/MC: 0 AMEX: 1 0 months $169 p.a. $24,000 Go to site More info
    American Express Velocity Business Card
    A truly dedicated business rewards credit card. Download all your card expenses in a format readable by Quicken, MYOB, Microsoft Excel and more.
    VISA/MC: 0 AMEX: 1 0 months $249 p.a. $24,000 Go to site More info
    Learn more about Business Credit Cards

    The benefits of banking with American Express

    • Membership Rewards — frequent flyer transfer partners

    American Express Membership Rewards can be used to book travel or they can be transferred to Frequent Traveller Partners such as Velocity Frequent Flyer, Singapore Airlines' KrisFlyer, Etihad Guest, Emirates Skywards, Air New Zealand and more. Otherwise, you can use your Membership Rewards for cash back on your account, to redeem gift cards with the likes of iTunes, BP, David Jones and Bunnings (to name a few), to shop with points and book accommodation.

    • Fraud protection and contactless payments

    Every American Express credit card comes with contactless payment technology. Just tap your card against the contactless reader to pay for purchases under $100. All American Express credit cards are protected against fraud as well. So if you're a victim of credit card fraud, you will be covered by a Fraud Protection Guarantee and won't be liable for any unauthorised spending on your account. Intelligent security and secure payment systems are also in place to protect whatever you purchase online or in-store in Australia or overseas.

    • Exclusive access

    You can use your Membership Rewards Points at Ticketmaster — they’ve got a discount code for American Express members too, so you can save on big ticket sporting events and concerts. American Express Entertainment Access puts you first in line for selected lifestyle events and experiences.

    How to apply for an American Express credit card

    If you've compare your  options and decided an American Express credit card is for you, you can apply online for a credit card in 10 or 15 minutes. Before you apply, though, make sure you've met the following eligibility requirements and organised the necessary documents to complete your application and increase improve your chances of approval.

    Eligibility requirements

    The eligibility criteria varies from card to card, but you can expect the following:

    • Age. Applicants must be at least 18 years or older.
    • Residential status. Only permanent Australian residents or citizens may apply.
    • Minimum income. You'll need to meet the minimum annual income requirement to apply.
    • Credit history. Applicants must have a good credit rating.

    Required documents

    Make sure you've organised the following information and documents before you apply:

    • Details about your income and employment. You’re required to provide your annual income, including any income generated from assets like property or shares, and also whether you have any savings. You will also need to provide your employer’s contact information or your account’s details if you’re self-employed.
    • Debts and liabilities. You need to provide information about your ongoing expenses, like child support payments, your weekly food budget, loan repayments and dependent children. If you have other credit cards, you'll need to list the size of the balance you’re carrying on each card and whether you want to transfer the balance.
    • Personal information. You will need to list basic personal details like your name, contact information and your address.

    Frequently asked questions

    Do you have a question about American Express credit cards? Check the FAQs below for an answer. If you can’t find the question and answer you’re looking for, get in touch with us using the form at the bottom of this page.

    Can I apply for an American Express credit card?

    There may be eligibility criteria that are specific to a particular product, and you can find this information on our review pages. Below are the common application requirements between American Express credit cards:

      • You must be 18 years of age or older
      • You must have a good credit history
      • Be a permanent Australian resident or hold a long stay visa
      • Earn more than $30,000 p.a. Self-employed borrowers must have been trading for 18 months before they can apply for an American Express credit card

    How do I transfer a balance to an American Express credit card?

    Balance transfer promotions are offered at the discretion of the credit card issuer. Not all cards have a balance transfer promotion and not all banks offer this feature to cardholders. You can elect to transfer a balance to an American Express credit card when you apply. You won’t be able to transfer a balance if you’ve previously held a credit card with American Express. There may be a fee to balance transfer to an American Express credit card. It’s called a credit establishment fee and it’s a small percentage of the total amount you transfer. This video covers off some key questions about balance transfers to American Express credit cards.

    Interview about American Express balance transfer FAQs

    What is a credit establishment fee?

    A credit establishment fee is a balance transfer fee. It’s charged when you bring your existing credit card debt over to your new American Express credit card when you apply. It’s supposed to be a fee to cover the administrative costs of processing a balance transfer request. The credit establishment fee is expressed as a small percentage of your total balance transfer amount — sometimes 1%. The fee is taken from your available credit on your credit card, so it will need to be factored into any calculation of the total balance transfer balance.

    Where can I use my American Express credit card?

    American Express credit cards are not accepted by all Australian merchants, but this is changing. Every year, more and more shops and businesses accept American Express credit cards. American Express have a Business Directory tool that allows you to search for Australian businesses that accept an American Express credit card. You can access the American Express Business Directory on their website.

    What’s the minimum repayment? How much do I have to pay each month?

    The minimum repayment is a small percentage of your balance that you must pay back to stop your account from entering into default. The minimum monthly repayment is listed on our American Express credit card review pages and it is the minimum amount you must pay off your credit card when your statement is issued. The due date is displayed on your credit card statement.

    What is American Express Membership Rewards?

    This is the rewards program of American Express. Points earned in this program are conveniently used to redeem valuable travel rewards such as flights, foreign currency, hotels and other benefits and features related to travel. Redeeming shopping rewards will allow a cardholder to receive leading brands of sporting goods, wines, homewares, technological products, and various gifts. In addition, the points may be applied to entertainment, sporting activities, leisure and dining choices that appeal to your way of life.

    How do I become a member of American Express Membership Rewards?

    Apply and get approved for an American Express rewards credit card and you’ll be automatically enrolled in American Express Membership Rewards. To stay a member, you need to pay your account. If you're going into default and you don’t pay within 40 days, your points are forfeited and you will no longer be a member of the program.

    Do my American Express Membership Rewards points expire?

    As long as you keep your account in ‘good standing’ your American Express Membership Rewards Points won’t expire. In 'good standing' means you need to stop your account from going into default, so keep paying your card and your points won’t expire.

    Which airlines can I transfer my Membership Rewards Points to?

    American Express have one of the largest number of airline frequent flyer transfer partners out of any rewards program in Australia. You get a competitive deal if you turn your American Express Membership Rewards Points into frequent flyer points. Many other rewards program have a shocking rate when you transfer between their rewards points and frequent flyer points with their partners. For many frequent flyer programs linked to American Express Membership Rewards, the conversion rate is 1:1. Transfer Frequent Flyer Points

    Back to top

    Read more on this topic

    American Express Essential Credit Card
    American Express Essential Credit Card

    Interest rate

    14.99

    Annual fee

    0
    ME Bank frank Credit Card
    ME Bank frank Credit Card

    Interest rate

    11.99

    Annual fee

    0
    HSBC Platinum Credit Card
    HSBC Platinum Credit Card

    Interest rate

    19.99

    Annual fee

    149

    Ask a Question

    You are about to post a question on finder.com.au

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com.au is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
    Rates and fees mentioned in comments are correct at the time of publication.
    By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

    36 Responses to American Express Credit Cards

    1. Default Gravatar
      Alex | July 31, 2016

      I am a NZ citizen living in Australia under a SCV which enables NZers to live and work in Australia for as long as they want. Normally we are considered permanent residents for tax purposes but am I able to apply for an American Express credit card if I don’t technically hold permanent residency?

      • Staff
        May | August 2, 2016

        Hi Alex,

        Thanks for your question.

        Usually, for AMEX credit cards, the bank would require that you’re an Australian citizen or hold a Business Long Stay Visa (subclass 457). Although other eligibility requirements may be outlined for individual cards. I suggest that you contact AMEX to be sure if you’re eligible to apply for an AMEX card.

        Cheers,
        May

    2. Default Gravatar
      Mark | January 15, 2016

      Hi,

      Just wondering if you could tell me if I can load up my Qantas frequent flyer AMEX credit card with my own money as my current credit card limit won’t be sufficient for the amount of purchases I want to make on the card at one time.

      Is this okay to do and if so will I still earn Qantas frequent flyer points?

      Thank you.

      • Staff
        Sally | January 21, 2016

        Hi Mark,

        You wouldn’t be able to load the card with more funds than the credit limit. Instead, you may need to contact American Express to request a credit limit increase. You can request a credit limit increase by contacting the American Express customer service team directly or by completing and submitting a credit limit increase form via the American Express website.

        I hope this has helped.

        Cheers,

        Sally

    3. Default Gravatar
      Piyadasa | September 9, 2015

      Can I transfer my British airways American express avios points to Qantas American express card?

      • Staff
        Sally | September 10, 2015

        Hi Piyadasa,

        Thank you for your inquiry.

        Please note that you have come through finder.com.au, not American Express. Unfortunately, British Airways Avios Points can’t be transferred to Qantas Points, however you can use them to redeem a flight on Qantas.

        Please refer on this page for more details about Qantas Frequent Flyer Program.

        I hope this has helped.

        Cheers,

        Sally

    4. Default Gravatar
      Lee | July 30, 2015

      I have had an American Express card for many years, and have had a secondary person with a card able to use it, I am looking at changing to the low rate card, is it possible to have separate accounts with new
      cards if transferring and if so is it easy or a lot of running around.

      • Staff
        Sally | July 31, 2015

        Hi Lee,

        Thanks for your inquiry.

        Please note that you have come through to finder.com.au, not American Express. However, we can confirm that American Express only allows you to transfer balances from accounts under your name. Once you apply for an AMEX Low Rate card and have been approved, the approval process for your balance transfer will immediately start commencing 72 hours after card approval.

        Please refer to this page for more information on balance transfers.

        I hope this has helped.

        Cheers,

        Sally

    5. Default Gravatar
      Julie | March 29, 2015

      Where can I use my Amex Qantas discovery card in Australia? I received my card but when I looked where I can use it I noticed it’s a bit limited because some places only take mastercard or visa, would appreciate any help!

      Thanks, Julie

      • Staff
        Jonathan | March 30, 2015

        Hi Julie, thanks for getting in touch with us!

        You can use your AMEX card at any EFTPOS terminal which accepts a credit card in Australia, except for merchants that only accept Mastercard or Visa cards.

        Cheers,

        Jonathan

    6. Default Gravatar
      Hy | November 20, 2014

      I’m currently hold an ANZ Qantas FF VISA and American Express card. I want to know if I could join American Express reward program using my ANZ American Express card? Because the point earning value in American Express reward program is better and Qantas point.

      Thank you.

      • Staff
        Elizabeth | November 20, 2014

        Hi Hy,

        Thanks for your question.

        Unfortunately transferring rewards programs isn’t an option with this credit card. If you’re looking at taking out a card that is linked to the American Express Membership Rewards program, you can compare a range of cards on this page.

        I hope this has helped.

        Thanks,

        Elizabeth

    7. Default Gravatar
      glen | September 10, 2014

      Can I reconnect a old card and account. I would like to get a amx card with you again.

      • Staff
        Shirley | September 12, 2014

        Hi Glen,

        Thanks for your question.

        If you’ve closed your previous credit card account, you’ll need to apply again for another one.

        After you’ve chosen the card you want to apply for, you can click ‘go to site’ to be taken to the application page.

        Cheers,
        Shirley

    8. Default Gravatar
      Tony | September 5, 2014

      I STAY IN THE COOK ISLANDS RAOTONGA HOW CAN I APPLY FOR A AMERICAN EXPRESS CREDIT CARD

      • Staff
        Shirley | September 8, 2014

        Hi Tony,

        Thanks for your question.

        Unfortunately to be eligible for most Amex credit cards you need to be an Australian resident or citizen. I’d recommend that you get in touch with Amex directly to discuss your options.

        Please note that online applications are available as well.

        Cheers,
        Shirley

    9. Default Gravatar
      AK747 | February 24, 2014

      Hi, I want to apply for a card that gives me the best conversion rate for Asia Air Miles. It appears from this site that an AMEX with MR earning is the way to go as it gives you 1:1 redemption to Asia Air Miles. I will be spending approx. $200,000 pa on the AMEX, including a lot of business payments: mainly ATO and some utilities, rates etc where possible. Can you recommend an AMEX card for this? Thanks…

    10. Default Gravatar
      Galen | February 11, 2014

      Formerly an AMEX Gold Card holder which allowed withdrawal from bank funds I now have a PSA AMEX Gold Credit Card. Does it have the same facility? And what charges apply to UK or USA purchases using the PSA card please? I’m a member of 35 years standing.

      • Staff
        Jacob | February 13, 2014

        Hi, Galen.

        I have sent the key fact sheet about this credit card to your email.

        Thanks for your question.

    Credit Cards Comparison

    Rates last updated December 10th, 2016
    Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
    Virgin Australia Velocity Flyer Card - Balance Transfer Offer
    Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
    20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
    ME Bank frank Credit Card
    Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
    11.99% p.a. $0 p.a. Go to site More info
    HSBC Platinum Credit Card
    Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
    19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
    NAB Low Rate Credit Card
    The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
    0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
    HSBC Platinum Qantas Credit Card
    Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
    19.99% p.a. $199 p.a. Go to site More info

    * The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

    Ask a question
    feedback