Pay for purchases with rewards using the Amex app

Access your Membership Rewards points and use them for everyday purchases from anywhere with the Amex Australia app.

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The Amex Australia app is designed to make it easier to manage your American Express credit card on-the-go. As well as giving you access to all your account details, this app allows you to redeem Membership Rewards points to pay for regular purchases. This function is called “Pay for Charges” and is part of a suite of unique features on the app, which also gives you access to Amex Offers, bonus points and the Local Champion game.

How can I use Membership Rewards to pay for purchases?

  1. Download the free Amex Australia app for iPhone or Android.
  2. Log in to the Amex app and choose the transaction you want to pay for with points. This will take you to a detailed transaction page.
  3. Scroll to the bottom of the transaction detail page and select “Use Points”.
  4. Read and agree with the terms and conditions then press "Use Points" again to complete the process.

You can expect to receive an accompanying credit on your American Express account within 48 hours. If you don’t have enough points in your account to pay off the transaction in full, your points will be converted to a statement credit which will partially pay off the charge. A minimum of 1,000 Membership Rewards points is also required to complete a transaction.

How much can I save?

Depending on where you’re shopping, you can save at least $7 cash value for every 1,000 Membership Rewards points you redeem. Some retailers (such as Woolworths) may offer a higher level of savings.

Other app perks

This feature was rolled out in a broader upgrade to the American Express mobile app in 2015 and 2016. Other features include:

  • Amex Offers. Browse offers and get cashback credits when you use your registered card and spend above a set amount at participating retailers.
  • Local Champion. Earn up to 10,000 bonus Membership Rewards points by registering for the Local Champion game and shopping at participating retailers.
  • Personalised notifications. Keep on top of your account by setting up payment reminders and card spend alerts.

Are there any limitations for the Amex Pay for Charges feature?

Unfortunately, not all American Express customers can take advantage of this feature. For example, only primary cardholders (not additional cardholders) can make use of it.

Similarly, cardholders who own direct-earn frequent flyer cards, such as the American Express Velocity Escape or Qantas American Express Discover card, are unable to take advantage of the Pay for Charges scheme. Plus, if you own a bank-issued Amex card (distributed by ANZ, Commonwealth Bank or Westpac, for example) you’ll be excluded from the offer.

While the American Express Pay for Charges initiative is designed to offer extra value for cardholders enrolled in the Membership Rewards program, it may not be the most cost-effective way to redeem points. So make sure you consider your spending habits and the type of rewards you’d like to redeem to determine whether this feature is of value to you.

Rates last updated October 23rd, 2019
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
American Express Business Explorer Credit Card
100,000 bonus points
Membership Rewards Gateway
2
16.99% p.a.
$395 p.a.
ABN holders w/ $75,000 p.a. revenue. Get 100,000 bonus points. Plus, 2 yearly lounge passes on this business card.
American Express Platinum Edge Credit Card
Membership Rewards Ascent
1
20.74% p.a.
$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 Business Card
120,000 bonus points
Membership Rewards
2.25
N/A
$1,750 p.a.
ABN holders w/ $75,000 p.a. revenue. Get 120,000 bonus points and up to 2.25 points/ $1 spent on eligible business purchases.
American Express Westpac Altitude Platinum Bundle
110,000 bonus points
Westpac Altitude Rewards
2
1
20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)

$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).
American Express Platinum Card
80,000 bonus points
Membership Rewards Ascent Premium
2.25
N/A
$1,450 p.a.
Get 80,000 bonus points, a $450 annual Platinum Travel Credit, dedicated personal service and luxury travel perks.
American Express Gold Business Card
Membership Rewards Ascent
1.5
N/A
$169 p.a.
ABN holders w/ $75,000 p.a. revenue. A business card with no pre-set spending limit, data feeds to MYOB and up to 51 days to pay for purchases.

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Credit Cards Comparison

Rates last updated October 23rd, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Enjoy a balance transfer offer, yearly annual fee refund, airport lounge passes and complimentary insurance covers.
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$69 p.a.
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19.99% p.a.
0% p.a. for 18 months
$199 p.a. annual fee for the first year ($299 p.a. thereafter)
Get up to 120,000 bonus Qantas Points (20,000/month) when you spend $1,500/month for the first 6 months. Ends 31 October 2019.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 22 months with 1% balance transfer fee
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% p.a. interest rate on balance transfers for the first 22 months, with a 1% balance transfer fee. Plus, a reduced $64 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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