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American Express Credit Cards

American Express credit cards offer the prestige, perks and points you'd expect from Amex, available for every budget.

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American Express

American Express offers credit cards to suit a range of lifestyles and goals, including frequent flyer and reward points, no annual fees and low interest rates. You can use this guide to compare American Express cards, discover the benefits of Amex and learn how to apply.

American Express Credit Card Offer

Qantas American Express Ultimate Card

Receive 100,000 bonus
Qantas Points

Offer ends 14 April 2020

Eligibility criteria, terms and conditions, fees and charges apply

American Express Credit Card Offer

The Qantas American Express Ultimate Card offers 100,000 bonus Qantas Points, complimentary travel benefits and up to 2.25 Qantas Points per $1 spent on eligible purchases.

  • Get 100,000 bonus Qantas Points when you apply online, are approved by 14 April 2020 and spend $3,000 on eligible purchases in the first 3 months
  • $450 annual fee and 20.74% p.a. purchase interest rate
  • Receive a $450 Qantas Travel Credit each year
  • 4 yearly complimentary airport lounge passes: 2 Qantas Club and 2 Amex Lounge
  • Minimum income requirement of $65,000 p.a.
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American Express Credit Cards Comparison

Updated March 28th, 2020
Name Product Bonus Points Rewards Points per $ spent (AMEX) Balance transfer rate Annual fee
Qantas American Express Ultimate Card
100,000 bonus points
1.25
0% p.a. for 12 months with 1% balance transfer fee
$450 p.a.
Get 100,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations.
American Express Business Explorer Credit Card - Online Offer
100,000 bonus points
2
$0 p.a. annual fee for the first year ($395 p.a. thereafter)
ABN holders w/ $75,000 revenue. Get 100,000 bonus points and a $0 annual fee for the first year. Plus, complimentary insurance and lounge passes.
Qantas American Express Discovery Card
0.75
$0 p.a.
Earn uncapped Qantas Points on your purchases and pay $0 annual fee for life.
American Express Velocity Escape Card
0.75
$0 p.a.
Earn uncapped Velocity Points on purchases and save with a $0 annual fee for life.
American Express Explorer Credit Card
50,000 bonus points
2
$395 p.a.
Get 50,000 bonus points when you spend $3,000 in the first 3 months, a yearly $400 Travel Credit and 2 entries per year to the Amex Lounge.
David Jones American Express Platinum Card
60,000 bonus points
1
$295 p.a.
DJ's shoppers and Qantas travellers earn 60,000 bonus Membership Rewards Points or 30,000 Qantas Points on eligible spend.
David Jones American Express Card
30,000 bonus points
1
$99 p.a.
Not just for David Jones shoppers, receive 30,000 bonus Membership Rewards Points or 15,000 Qantas Points on eligible spend.
American Express Velocity Business Card
1
$249 p.a.
ABN holders w/ $75,000 revenue. A business charge card offering Velocity Points per $1 spent and up to 51 days interest-free on purchases.
American Express Platinum Edge Credit Card
1
$195 p.a.
Receive a yearly $200 Travel Credit and complimentary domestic and international travel insurance, plus earn up to 3 Membership Rewards Points per $1 spent.
Qantas American Express Premium Card
30,000 bonus points
1
$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 Card
1.5
$109 p.a.
ABN holders w/ $75,000 revenue. Up to 1.5 points/ $1 spent and extended cashflow with up to 51 days interest-free on business purchases.
American Express Gold Business Card
1.5
$169 p.a.
ABN holders w/ $75,000 revenue. A business card with no pre-set spending limit, data feeds to MYOB and up to 51 days to pay for purchases.
American Express Platinum Business Card
150,000 bonus points
2.25
$1,750 p.a.
ABN holders w/ $75,000 revenue. Get 150,000 bonus points and up to 2.25 points/ $1 spent on eligible business purchases.
American Express Platinum Card
80,000 bonus points
2.25
$1,450 p.a.
Receive 80,000 bonus Membership Rewards Points, a $450 annual Platinum Travel Credit, dedicated personal service and luxury travel perks.
American Express Velocity Platinum Card
50,000 bonus points
1.25
$375 p.a.
Get 50,000 bonus Velocity Points when you spend $3,000 for the first 3 months. Plus, 100 Status Credits and luxury travel perks.
American Express Qantas Business Rewards Card
120,000 bonus points
1.25
$450 p.a.
ABN holders w/ $75,000 revenue. Get 120,000 bonus points, 3x points on eligible Qantas flights & 2 lounge passes per year. Ends 5 Apr 2020.
American Express Westpac Altitude Platinum Bundle - Qantas
75,000 bonus points
1
$200 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 75,000 bonus Qantas Points when you meet T&Cs with Mastercard (issued by Westpac) & Amex (issued by Amex). Ends 31 Mar 2020.
American Express Westpac Altitude Black Bundle
190,000 bonus points
3
$349 p.a. annual fee for the first year ($449 p.a. thereafter)
Up to 190,000 bonus Altitude Points with Mastercard (issued by Westpac) & Amex (issued & serviced by Amex). T&Cs apply. Ends 31 Mar 2020.
American Express Westpac Altitude Platinum Bundle
110,000 bonus points
2
$150 p.a. annual fee for the first year ($199 p.a. thereafter)
Collect up to 110,000 bonus Altitude Points when you meet T&Cs with Mastercard (issued by Westpac) & Amex (issued by Amex). Ends 31 Mar 2020.
American Express Westpac Altitude Platinum Bundle - Velocity
75,000 bonus points
1
$200 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 75,000 bonus Velocity Points when you meet T&Cs with this dual Mastercard (issued by Westpac) & Amex (issued by Amex). Ends 31 Mar 2020.
American Express Westpac Altitude Black Bundle - Qantas
100,000 bonus points
1.25
$499 p.a.
Up to 100,000 bonus Qantas Points with Mastercard (issued by Westpac) & Amex (issued & serviced by Amex). T&Cs apply.
American Express Essential Credit Card
1.25
$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 Qantas Corporate Card
1.5
$70 p.a.
Earn triple Qantas Points on eligible business flights, plus, receive complimentary travel accident insurance.
American Express Low Rate Credit Card
$0 p.a.
Get up to 55 days interest-free on purchases, a $0 annual fee for life and global card support.
Qantas American Express Business Credit Card
1
$160 p.a.
ABN holders w/ $75,000 revenue. Earn up to 2 Qantas Points per $1 spent on eligible purchases and enjoy up to 55 days interest-free on purchases.

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

Types of American Express credit cards

American Express issues credit cards to suit both personal and business needs. Amex is renowned for its platinum products and competitive rewards options, but it offers low rate and low fee options as well. You can compare the different credit cards you can get with American Express below to find the right one for you.

Rewards credit cards

American Express rewards credit cards are linked to its Membership Rewards programs. You can use these cards to earn Membership Rewards Points per $1 spent on eligible purchases. Some boast big bonus points offers for new Amex customers, which can sometimes be as high as 150,000 points when you meet the spend requirement.

You can use your Membership Rewards to 'pay with points' and shop online at David Jones or Ticketmaster. Membership Rewards can be redeemed for holidays through American Express Travel or redeem them for gift cards with big brands including Coles, Myer, Bunnings and Country Road.

If you prefer frequent flyer points, exchange your Membership Rewards for points or miles with partner airline schemes including Virgin Australia Velocity, Emirates Skywards, Etihad Guest and Singapore Airlines KrisFlyer. Check out finder's guide to Amex Membership Rewards for more tips for earning and spending your points.

As well as rewards, these cards often offer extra perks including complimentary travel insurance, American Express Lounge invites to use at Sydney and Melbourne airport and access to Amex Experiences.

These rewards cards typically charge higher annual fees and interest rates than cards with fewer extra features.

Frequent flyer credit cards

American Express offers frequent flyer cards that are linked to the Qantas and Velocity Frequent Flyer programs. These cards regularly have bonus points offers and can be used to earn points per $1 spent on eligible purchases. You can then redeem your points for flights, travel packages and more through your preferred frequent flyer program.

Some of these cards come with extra features including complimentary travel insurance, complimentary flight vouchers and airline lounge passes. These extra features can help justify paying a higher annual fee or purchase interest rate to use one of these cards.

Both rewards and frequent flyer Amex cards often offer new cardholders thousands of bonus points on sign up points. You usually need to apply by an offer end date and meet a spend requirement (such as spend $3,000 on eligible purchases in the first 90 days) to get the points.

Low rate credit cards

If you want to save on credit card costs, you can consider an American Express credit card with a low interest rate. Cards such as the American Express Essential credit card and the American Express Low Rate credit cards both charge competitive purchase interest rates. These cards often sometimes come with low or no annual fees. Some low rate American Express cards are linked with the Membership Rewards program, although they'll usually have less competitive earn rates than platinum products.

Balance transfer credit cards

You can pay off your existing debt with 0% on balance transfers for a promotional period with some American Express credit cards. The interest-free offer may last for up to 12 months and any remaining debt will collect a higher interest rate once this introductory period ends. Some of these cards may charge an annual fee and a balance transfer fee, so it's important to factor these into your comparison.

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. You can use these cards to earn either Membership Rewards or Qantas Rewards for purchases at David Jones and elsewhere.

Business credit cards

American Express offers business credit cards that come with useful features including additional cardholders to manage employee spending and tools to track your business expenditure. Some Amex business credit cards earn Membership Rewards, Qantas Points or Velocity Points on business spending. Business cards generally have higher credit limits than products designed for personal use.

The benefits of banking with American Express

From rewards programs to exclusive perks, here are some of the extra features and benefits you can expect with an American Express credit card.

  • Membership Rewards

If you have an American Express Membership Rewards card, you can earn points per $1 you spend on eligible purchases. These cards regularly offer competitive bonus points and earn rates. Plus, you can redeem your points for a variety of rewards from cashback on your account to gift cards and frequent flyer points.

As long as you keep your account in good standing, your American Express Membership Rewards Points won't expire. This means you need to make all required payments by the due date on your account statements.

  • Exclusive perks with Amex Experiences and Amex Offers

You can access presale tickets to concerts and other events with American Express Experiences. When you present your Amex card at the entry, you can relax in style before your next concert at American Express Entertainment lounges at select entertainment venues in Sydney and Brisbane.

Amex cardholders can enjoy exclusive discounts and cashback promotions with partnered brands including THE ICONIC, Woolworths, David Jones and more thanks to Amex Offers. Check out the current offers on the American Express website and register the deal to your card.

  • Airport lounge passes

A few American Express credit cards come with complimentary lounge entry invitations each year. Depending on the card, you could take advantage of the perks at a Qantas or Virgin Australia Lounge or one of the American Express lounges at Sydney and Melbourne airport. Check out our review of the American Express Lounge at Sydney airport for more details of what you can expect.

  • Digital wallets and contactless payments

American Express is compatible with all three major digital wallets: Apple Pay, Samsung Pay and Google Pay. You can add your card details to the relevant digital wallet app and use your smartphone or smart device to make contactless payments at the terminal. The American Express Westpac bundle cards also enable you to use your fitness tracker to make payments with Fitbit Pay and Garmin Pay.

How to apply for an American Express credit card

If you've compared American Express credit cards and found one you like, you can apply online in around 10 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 vary between American Express cards but usually includes the following:

  • Residential status. Australian citizens, permanent residents and holders of a current long term visa (12 months or more, not including student visas) are eligible to apply.
  • Minimum income. You'll need to meet the minimum annual income requirement to apply.
  • Cardholder status. Many American Express credit cards offer bonus points promotions. In order to be eligible for most bonus points offers, you will need to be a new card member, meaning you cannot currently hold or have held an American Express card within the previous 18 months.
  • Credit history. Applicants must have a good credit rating.
  • Age. Applicants must be at least 18 years or older.

Required documents

Make sure you have the following information and documents ready before you apply:

  • Personal information. You need to share personal details including your name, email address, phone number, residential address and a valid form of ID, such as your 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 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 need to provide details of your existing card and the debt you want to transfer to your new American Express card.

Bonus point and promotional offers are usually only available when you apply for a card by a specific date. If you apply after this time, you won't be eligible for the promotion. Make sure you check the date of any specific offers you look at before you submit your application.

Frequently asked questions

Do you have a question about American Express credit cards? Check the FAQs below for answers to common questions about Amex credit cards. 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.

Credit Cards Comparison

Updated March 28th, 2020
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
Qantas American Express Ultimate Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$450 p.a.
Get 100,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations.
Bankwest Breeze Classic Mastercard
12.99% p.a.
0% p.a. for 26 months with 2% balance transfer fee
$39 p.a. annual fee for the first year ($79 p.a. thereafter)
0% interest on balance transfers for the first 26 months, with a 2% balance transfer fee. Plus, a discounted first year annual fee.

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* 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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