Compare American Express credit cards with features including bonus points, 0% interest rate offers, travel vouchers and premium extras.
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
Top* American Express Credit Cards
Compare the details of these popular American Express credit cards available in Australia.
- American Express Velocity Escape Card. Pay no annual fee and earn uncapped Velocity Points per $1 spent on eligible purchases with this card.
- Qantas American Express Discovery Card. Earn Qantas Points on your everyday spending and redeem points for flights and more on this no annual fee rewards card.
- American Express Explorer Credit Card. This Amex credit card comes with travel credit each year and earns Membership Rewards points per $1 spent.
- American Express Essential Credit Card. This no annual credit card earns points per $1 spent and has a unique and handy feature: Smartphone screen insurance.
* 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.