American Express Credit Cards

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Compare American Express credit cards with features including bonus points, 0% interest rate offers, travel vouchers and premium extras.

American Express offers credit cards to suit a range of lifestyles and goals, including frequent flyer and reward credit cards, no annual fee and low rate cards. Depending on the Amex card you choose, you could even get more rewards with an introductory bonus points offer or save on credit card costs with 0% p.a. on balance transfers or purchases.

The American Express cards available in Australia also come with variety of complimentary extras, from purchase and travel insurance to concierge services, airport lounge passes and flight vouchers. Use this guide to compare American Express credit card offers, features and costs and decide if there's one that's right for you.

American Express Credit Cards Comparison

Rates last updated February 20th, 2018
Name Product Bonus Points Rewards Points per $ spent (AMEX) Balance transfer rate (p.a.) Annual fee Product Description
Qantas American Express Ultimate Card
100,000 bonus points
1.5
0% p.a. for 12 months with 1% balance transfer fee
$450 p.a.
Take advantage of 100,000 bonus Qantas Points, a $450 Qantas Travel Credit each year and 2 yearly complimentary Qantas Club lounge invitations.
American Express Explorer Credit Card
100,000 bonus points
2
0% p.a. for 12 months with 1% balance transfer fee
$395 p.a.
Receive a yearly $400 Travel Credit, 100,000 bonus points and 2 entries per year to the American Express Lounge at Sydney International Airport.
American Express Velocity Platinum Card
50,000 bonus points
1.5
0% p.a. for 12 months with 1% balance transfer fee
$375 p.a.
Receive 50,000 bonus Velocity Points, a complimentary Virgin Australia return Economy domestic flight each anniversary year, plus, 2 lounge passes.
Qantas American Express Discovery Card
1
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Earn uncapped Qantas Points on purchases, pay $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
American Express Velocity Escape Card
1
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Earn uncapped Velocity Points on purchases, pay $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
American Express Essential Credit Card
1
0% p.a. for 12 months with 3% balance transfer fee
$0 p.a.
Get Smartphone Screen Insurance of up to $500 when you pay for your phone or contract with this card. Plus, a $0 annual fee for life.
American Express Velocity Business Card
1
$249 p.a.
Take advantage of Velocity Points per $1 spent, no pre-set spending limit, data that feeds into MYOB and up to 51 days interest-free on purchases.
Qantas American Express Premium Card
30,000 bonus points
1.25
0% p.a. for 12 months with 1% balance transfer fee
$249 p.a.
Enjoy 30,000 bonus Qantas Points, 2 complimentary Qantas Club lounge invitations per year and the protection of complimentary insurance covers.
American Express Business Explorer Credit Card
100,000 bonus points
2
$395 p.a.
Earn 100,000 bonus points when you meet the spend criteria. Plus, 2 yearly entries to the American Express Lounge at Sydney International Airport.
American Express Business Card
1
$109 p.a.
Earn up to 1.00 Membership Rewards point per $1 spent and extend your cashflow with up to 51 interest-free days on purchases.
American Express Platinum Edge Credit Card
1
0% p.a. for 12 months with 1% balance transfer fee
$195 p.a.
Receive a yearly $200 Travel Credit and complimentary domestic and international travel insurance, plus 0% p.a. for 12 months on balance transfers.
American Express Platinum Card
80,000 bonus points
1
$1,200 p.a.
Receive an annual $300 Platinum Travel Credit, 80,000 bonus Membership Rewards points and access to more than 1,100 VIP lounges.
David Jones American Express
20,000 bonus points
1
$99 p.a.
Receive 20,000 bonus points, David Jones benefits including complimentary standard delivery, gift wrapping and invites to exclusive fashion events.
David Jones American Express Platinum Card
40,000 bonus points
1
$295 p.a.
Receive 40,000 bonus points, invitations to exclusive Season Launch Parades, complimentary priority delivery and personal shopping perks.
American Express Platinum Business Card
150,000 bonus points
1
$1,500 p.a.
Enjoy 150,000 bonus points, a platinum business concierge, complimentary Virgin Lounge access, worldwide travel insurance and hotel benefits.
American Express Gold Business Card
10,000 bonus points
1
$169 p.a.
Take advantage of 10,000 bonus points, no pre-set spending limit, data that feeds to MYOB and up to 51 days interest-free on purchases.
American Express Qantas Business Rewards Card
100,000 bonus points
1.25
$450 p.a.
Earn up to 100,000 bonus points, 2 Qantas Points per $1 spent on eligible purchases and enjoy up to 51 days interest-free on purchases.
American Express Business Accelerator Credit Card
2
$160 p.a.
Receive up to 55 interest-free days on purchases, supplementary cards at no cost and data that feeds to MYOB accounting software.
American Express Qantas Corporate Green Card
0
$70 p.a.
Receive a discounted Qantas Club membership, entertainment invites, Sydney airport services and insurance coverage for personal trips.
American Express Low Rate Credit Card
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Get up to 55 days interest-free on purchases, a 0% p.a. for 12 months balance transfer offer, a $0 annual fee for life and global card support.

Compare up to 4 providers

Top* American Express Credit Cards

Compare the details of these popular American Express credit cards available in Australia.

* The offers compared on this page are chosen from a range of products 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 personal financial circumstances when comparing products.

Types of American Express credit cards

American Express issues credit cards for personal and business use. It also offers a small selection of premium charge cards. Charge cards have similar features and extras to credit cards but require you to pay the account balance in full by the statement due date (instead of letting you carry a balance and charging interest). Here, you can compare the range or American Express cards available in Australia based on the type of product you're looking for.

  • Balance transfer credit cards

If you're struggling to repay an existing debt because of high interest, you could transfer your old balance from another provider to an American Express credit card with a 0% p.a. balance transfer rate for 12 months. This gives you the chance to pay off your debt faster and save on interest charges during the introductory period. Please note that a one-time balance transfer fee may apply. See our step-by-step guide on how to complete a balance transfer with American Express for further information.

  • Low rate credit cards

The American Express Low Rate Credit Card is no longer available to new customers in Australia. Instead, you might want to consider the American Express Essential Credit Card which has an ongoing variable purchase rate of 14.99% p.a.

  • Rewards credit cards

American Express offers a variety of rewards cards linked to the American Express Membership Rewards program. These cards earn points per $1 spent on eligible purchases, which you use for rewards such as travel, frequent flyer points, gift cards and merchandise. Depending on the card and when you apply, you could also earn between 10,000 and 100,000 bonus Membership Rewards on signup if you meet the spend requirement after being approved for one of these cards.

Learn more about Rewards Credit Cards

  • Frequent flyer credit cards

American Express offers a selection of credit cards linked to the Qantas Frequent Flyer and Velocity Frequent Flyer programs. With one of these cards, you'll earn Qantas Points or Velocity Points for your eligible spending. You could also earn up to 100,000 bonus frequent flyer points on signup when you meet the spend requirement. While some of these Amex cards have a $0 annual fee, others have annual fees up to $450.

Other American Express frequent flyer options

If you want to earn frequent flyer points through a program other than Qantas or Velocity, American Express credit cards that earn Membership Rewards also give you the option of transferring points to many different frequent flyer programs, including Emirates Skywards, Etihad Guest, Singapore Airlines KrisFlyer and Velocity. This could also give you more flexibility if you're a member of a few different frequent flyer programs. Check out our guide on transferring reward points for more details.

Learn more about Frequent Flyer Credit Cards

  • Store credit cards

The David Jones American Express credit cards offer exclusive benefits with the department store, such as complimentary gift-wrapping and complimentary delivery options through David Jones online. These cards also give you the choice of earning either Membership Rewards or Qantas Rewards for purchases at David Jones and elsewhere.

Compare David Jones cards now

  • Business credit cards

The range of American Express credit cards designed for businesses come with a range of useful features and benefits, including additional cardholders to manage employee spending and tools to track your business expenditure. There are also Amex business credit cards that earn Membership Rewards, Qantas Points or Velocity Points on business spending.

Learn more about Business Credit Cards

The benefits of banking with American Express

Here are some of the features you could enjoy if you get an American Express credit card.

  • Membership Rewards — frequent flyer transfer partners

American Express Membership Rewards points can be used to book travel directly through Amex. You can also transfer your points to Frequent Traveller Partners such as Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Etihad Guest, Emirates Skywards and Air New Zealand Airpoints. Alternatively, you can redeem Membership Rewards for cashback on your account, gift cards with the likes of iTunes, BP, David Jones and Bunnings (to name a few) or shop with points at David Jones and Ticketmaster.

  • Contactless payments

American Express credit cards come with contactless payment technology so you can "tap-and-go" for purchases under $100. American Express also has a range of cards that are compatible with Apple Pay, Android Pay and Samsung Pay, which means you can use your mobile device to make payments at the checkout.

  • Exclusive access to tickets and events

You can use your Membership Rewards points to pay for bookings with with Ticketmaster. The ticketing service provides special offers and discounts for American Express members, so you could save on big ticket sporting events and concerts. American Express Invites also puts you first in line for selected lifestyle events and experiences.

  • Amex Offers

This complimentary program gives you access to exclusive offers from some of the biggest brands, allowing you to save money on everything from fashion and dining to movie tickets and supermarket shopping.

  • Fraud protection

All American Express credit cards are protected against fraud. 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.

How to apply for an American Express credit card

If you've compared American Express credit cards and found one you want to get, you can apply online in around 15 minutes. Before you apply, make sure you meet the following eligibility requirements and have all the relevant documents and details you need on hand.

Eligibility criteria

The eligibility criteria varies between American Express cards but usually includes the following:

  • Age. Applicants must be at least 18 years or older.
  • Residential status. Australian citizens, permanent residents or holders of a current Business Long Stay Visa 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 have the following information and documents ready before you apply:

  • Personal information. You will need share personal details including your name, email address, phone number, residential address and driver's licence number.
  • Income and employment. This includes your current job, your employer’s contact information or your accountant's details if you’re self-employed. You'll also need to provide details of your annual income, including any income generated from assets like property or shares, and also whether you have any savings.
  • Debts and liabilities. You need to provide information about your ongoing expenses, such as rent or mortgage payments, your weekly food budget, loan repayments and any existing credit card debts. If you want to get a balance transfer, you'll also need to provide details of your existing card and the debt you want to transfer to your new American Express card.

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.

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    Credit Card Offers

    Important Information*
    NAB Premium Card - Exclusive Offer
    NAB Premium Card - Exclusive Offer

    Interest rate

    19.74

    Annual fee

    90
    St.George Vertigo Platinum - Online Offer
    St.George Vertigo Platinum - Online Offer

    Interest rate

    12.74

    Annual fee

    99
    Westpac Low Rate - Online Offer
    Westpac Low Rate - Online Offer

    Interest rate

    13.49

    Annual fee

    59
    Woolworths Everyday Platinum Credit Card
    Woolworths Everyday Platinum Credit Card

    Interest rate

    19.99

    Annual fee

    49

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    38 Responses

    1. Default Gravatar
      moniqueMarch 2, 2017

      hi! I just wanted to know how long i have to wait to get approved. I applied qantas amex discovery credit card and I believe i tick all the requirements to be eligible for it. this is my first time applying for credit card though.

      thank you!

      • Staff
        LouMarch 2, 2017Staff

        Hi Monique,

        Thanks for your question.

        After you have filled in the online form and submitted the requirements, American Express will still assess your application. There is no definite time frame for the approval period. Once approved, you will typically receive your credit card within 1-2 weeks.

        Cheers,
        Anndy

    2. Default Gravatar
      AlexJuly 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
        MayAugust 2, 2016Staff

        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

    3. Default Gravatar
      MarkJanuary 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
        SallyJanuary 21, 2016Staff

        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

    4. Default Gravatar
      PiyadasaSeptember 9, 2015

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

      • Staff
        SallySeptember 10, 2015Staff

        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

    5. Default Gravatar
      LeeJuly 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
        SallyJuly 31, 2015Staff

        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

    6. Default Gravatar
      JulieMarch 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
        JonathanMarch 30, 2015Staff

        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

    7. Default Gravatar
      HyNovember 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
        ElizabethNovember 20, 2014Staff

        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

    8. Default Gravatar
      glenSeptember 10, 2014

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

      • Staff
        ShirleySeptember 12, 2014Staff

        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

    9. Default Gravatar
      TonySeptember 5, 2014

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

      • Staff
        ShirleySeptember 8, 2014Staff

        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

    10. Default Gravatar
      AK747February 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…

    Credit Cards Comparison

    Rates last updated February 20th, 2018
    Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
    NAB Premium Card - Exclusive Offer
    19.74% p.a.
    0% p.a. for 25 months
    $90 p.a.
    Exclusive to finder.com.au, enjoy a no BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
    St.George Vertigo Platinum - Online Offer
    12.74% p.a.
    0% p.a. for 24 months
    $99 p.a.
    Platinum card benefits including complimentary insurance, plus 0% p.a. for 24 months on balance transfers (with no BT fee). Ends 28 February 2018.
    Westpac Low Rate - Online Offer
    13.49% p.a.
    0% p.a. for 30 months with 2% balance transfer fee
    $0 p.a. annual fee for the first year ($59 p.a. thereafter)
    Take advantage of 0% p.a. for 30 months on balance transfers with a 2% balance transfer fee when you apply online by 28 February 2018.
    Woolworths Everyday Platinum Credit Card
    19.99% p.a.
    0% p.a. for 14 months
    $0 p.a. annual fee for the first year ($49 p.a. thereafter)
    Receive a $50 eGift Card when you meet the offer criteria, a 0% p.a. for 14 month balance transfer offer and a $0 first year annual fee.

    Compare up to 4 providers

    * 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.

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