The people you refer may also get bonus points or other perks, such as a waived annual fee in the first year.
You'll earn bonus points for each successful referral, with the amount depending on your card and the specific American Express referral offer. For Personal Cards, you can earn a maximum of 200,000 points per year.
To give you an idea of the potential value, below we've included some examples of referral offers available in February 2024.
If you hold a Qantas American Express Ultimate Card, you get 40,000 Qantas Points for each friend or family member that applies and is approved using your referral link.
The people you refer will also earn 120,000 bonus Qantas Points if they apply through your referral link by 17 November 2026 and spend $5,000 on eligible purchases in their first 3 months of card membership.
With the Qantas American Express Discovery, you can earn bonus Qantas Points for each successful referral.
People you refer did not get bonus points with this offer.
You can refer friends through the Amex app or website. The steps below take you through how to do it online. We've also included screenshots of someone with an Amex card accessing referral details from a mobile phone to give you an example of the process.
Go to the American Express referral page and log in with your user ID and password or credit card information.
You will see the current offer (or offers) you can get for referring friends.
Note: If you have more than one Amex card or referral offer, choose the one that you want to use. You'll then get a referral link for it.
You'll get a link you can copy, or share through email and other social media apps.
Note: Make sure your friends and family apply using your referral link. Otherwise, you won't be eligible for a referral bonus and they won't be eligible for any referral offers either.
The terms and conditions for American Express referral offers vary but usually include the following:
With these details in mind, you’re all set to share your American Express referral code with friends or family members who are interested in getting an Amex card. Just remember, referral bonuses are typically only available for a limited time, so you'll need to wait until an offer is available through your account.
Pictures: Supplied (Finder screenshots)
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If my friend has an American Express Business Platinum Card and refers me, and I then get approved for the Personal Amex Platinum card, how many additional bonus points do I get on top of the 200,000 bonus points first time offer?
Hi Gino, This will depend on the specific referral offer your friend is using. Our guide to Amex referral bonuses has more on how the process works.