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American Express Credit Cards


American Express Australia has a wide range of credit cards.

There's a card for almost every type of credit card user, especially those interested in the most prestigious of service, reward programs, membership rewards and travel benefits.

American Express credit cards offer arguably the most generous and prestige reward program available among Australian credit cards – Membership Rewards. The drawback is the limited acceptance and harder application approval that comes inherent with Amex cards. These cards are ideal for those who spend high volumes per year and limited the amount of interest they pay in order to maximise the value of their rewards.

American Express Platinum Edge Credit Card

Featured American Express Credit Card

The American Express Platinum Edge Credit Card is a rewards credit card like no other. With the ability to earn up to 3 rewards points at major supermarkets and complimentary enrolment in Membership Rewards Ascent program. Also an introductory balance transfer offer.

  • $149 annual fee
  • 0% p.a. for 6 months (reverts to 20.74% p.a.) on purchases
  • 55 days interest free
  • Minimum Income Requirement of $50,000 p.a.
  • Receive a complimentary domestic economy return flight every year to selected Australian destinations
  • Receive 20,000 bonus Membership Rewards points if you spend $500 on your card in the first 2 months of your Card membership.

American Express Credit Card Comparison

  Interest Rate (p.a.) Balance Transfer Rate (p.a.) Annual fee Cash Advance Rate (p.a.)  
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
Receive 20,000 Membership Rewards Bonus Points - enough for $200 worth of Travel Agency Gift Vouchers. Also receive a complimentary Virgin Blue domestic economy return flight every year.0% for 6 months (reverts to 20.74% )$149Apply Now For The American Express Platinum Edge Credit Card Read More About The American Express Platinum Edge Credit Card
American Express Qantas Discovery Card
American Express Qantas Discovery Card
Earn Qantas Frequent Flyer points, plus take advantage of the no annual fee offer.20.74% $020.74%Apply Now For The American Express Qantas Discovery Card Read More About The American Express Qantas Discovery Card
American Express Qantas Ultimate Card
American Express Qantas Ultimate Card
Receive up to 30,000 bonus Qantas Frequent Flyer points after you make your first purchase on your credit card, and 2,500 after your first spend in Australia on selected Qantas Services.20.74% $45020.99%Apply Now For The American Express Qantas Ultimate Card Read More About The American Express Qantas Ultimate Card
American Express Velocity Platinum Card
American Express Velocity Platinum Card
The flagship card from the new American Express Velocity range. 2 for 1 Business Class Flexi Fares with V Australia, Complimentary Virgin Australia Domestic Flight Every Year, 3 Velocity Points per $1 spent with the Virgin Australia group of Airlines.20.74% $349Apply Now For The American Express Velocity Platinum Card Read More About The American Express Velocity Platinum Card
American Express Velocity Gold Card
American Express Velocity Gold Card
20,000 bonus Velocity Rewards points if you apply by 31 January 2012 and spend $500 within the first 3 months.20.74% $199Apply Now For The American Express Velocity Gold Card Read More About The American Express Velocity Gold Card
American Express Velocity Business Card
American Express Velocity Business Card
A truly dedicated business rewards credit card. Download all your card expenses in a format readable by Quicken, MYOB, Microsoft Excel and more, helping you simplify your quarterly BAS reporting.% $249Apply Now For The American Express Velocity Business Card Read More About The American Express Velocity Business Card
American Express Gold Ascent Card
American Express Gold Ascent Card
Enjoy the benefits of earning Membership Rewards Points without having to pay an annual fee. No points capping or expiry as long as your account is active.0% for 6 months (reverts to 20.74% )$0Apply Now For The American Express Gold Ascent Card Read More About The American Express Gold Ascent Card
American Express Platinum Card
American Express Platinum Card
Receive 75,000 Membership Rewards Bonus Points when you spend $500 on your card - that is enough points for a return flight from Sydney to Hong Kong!% $900Apply Now For The American Express Platinum Card Read More About The American Express Platinum Card
American Express Platinum Reserve Credit Card
American Express Platinum Reserve Credit Card
Receive a complimentary domestic or international return flight every year OR choose to receive a Complimentary 1 night stay at one of the selected luxury hotels in Australia.0% for 6 months (reverts to 20.74% )$395Apply Now For The American Express Platinum Reserve Credit Card Read More About The American Express Platinum Reserve Credit Card
American Express Qantas Premium Card
American Express Qantas Premium Card
Earn up to 17,500 bonus Qantas Frequent Flyer points, plus 1.25 Qantas Frequent Flyer points for every $1 you spend, or 2.25 QFF points for every dollar you spend on selected Qantas services.20.74% $24920.99%Apply Now For The American Express Qantas Premium Card Read More About The American Express Qantas Premium Card
American Express Gold Business Card
American Express Gold Business Card
Keep track of your business expenses with a dedicated business credit card. Your account details can be uploaded in to MYOB, Excel or Quicken to help with BAS reporting.% $169Apply Now For The American Express Gold Business Card Read More About The American Express Gold Business Card
American Express Business Accelerator  Credit Card
American Express Business Accelerator Credit Card
Receive 2 Membership Rewards points for every $1 dollar spent20.74% $160Apply Now For The American Express Business Accelerator  Credit Card Read More About The American Express Business Accelerator  Credit Card
American Express Qantas Business Card
American Express Qantas Business Card
Earn 2 points for every dollar spent on selected Qantas Products & services% $299Apply Now For The American Express Qantas Business Card Read More About The American Express Qantas Business Card
American Express Platinum Business Card
American Express Platinum Business Card
Provides easy tracking and management of business expenses - reporting meets ATO requirements. Dedicated Platinum Business Concierge to assist you day-to-day.% $1200Apply Now For The American Express Platinum Business Card Read More About The American Express Platinum Business Card

Companion & Dual AMEX Credit Cards

  Interest Rate (p.a.) Balance Transfer Rate (p.a.) Annual fee Cash Advance Rate (p.a.)  
ANZ Frequent Flyer
ANZ Frequent Flyer
Earn 1 Frequent Flyer point for every $1 spent on your American Express card, and 1 point for every $2 spent on your Visa. Uncapped Frequent Flyer earnings. Both cards linked to same account with one annual fee, credit limit and statement.19.74% $9520.99%Apply Now For The ANZ Frequent Flyer Read More About The ANZ Frequent Flyer
NAB Qantas Gold Card
NAB Qantas Gold Card
Comes with a Visa and American Express card, both linked to one account and annual fee. No point expiry. 20.24% 4.99% for 6 months$145.5021.74%Apply Now For The NAB Qantas Gold Card Read More About The NAB Qantas Gold Card
NAB Qantas Platinum Card
NAB Qantas Platinum Card
Comes with a Visa and American Express card, both linked to one account and annual fee. No point expiry. No points cap.20.24% 4.99% for 6 months$29021.74%Apply Now For The NAB Qantas Platinum Card Read More About The NAB Qantas Platinum Card
NAB Velocity Standard Card
NAB Velocity Standard Card
Gain velocity reward points and redeem for rewards. You gain both an Amex and Visa card which are linked to one single account and annual fee.20.24% 4.99% for 6 months$6521.74%Apply Now For The NAB Velocity Standard Card Read More About The NAB Velocity Standard Card
NAB Velocity Gold Card
NAB Velocity Gold Card
Gain velocity reward points and redeem for rewards.20.24% 4.99% for 6 months$15021.74%Apply Now For The NAB Velocity Gold Card Read More About The NAB Velocity Gold Card
Commonwealth Bank Awards Credit Card
Commonwealth Bank Awards Credit Card
Earn up to 50,000 points per year. Online security guarantee. Cash back and Frequent Flyer Awards system, including Bonus Partner Reward Offers. Earn 1.5 Awards points for every $1 spent with a Commonwealth Bank American Express Card Enjoy worldwide acceptance at over 29 million places with MasterCard One account. Two cards. Expect more.20.74% 5.99% for 5 months$89 ($59 for qualifying customers)21.74%Apply Now For The Commonwealth Bank Awards Credit Card Read More About The Commonwealth Bank Awards Credit Card
Commonwealth Bank Gold Awards Credit Card
Commonwealth Bank Gold Awards Credit Card
Earn up to 125,000 points per year. Complimentary international travel insurance. Points exchangeable for Frequent Flyer Points. Earn 2 Awards points for every $1 spent with a Commonwealth Bank American Express Card and enjoy acceptance at 29 million locations with MasterCard One account. Two cards. Expect more.20.74% 5.99% for 5 months$144 ($114 for qualifying customers)21.74%Apply Now For The Commonwealth Bank Gold Awards Credit Card Read More About The Commonwealth Bank Gold Awards Credit Card
Commonwealth Bank Platinum Awards Credit Card
Commonwealth Bank Platinum Awards Credit Card
Earn up to 150,000 points per year. Travel Insurance for up to 12 months. Extended Insurance /Purchase/Security benefits. Commonwealth Awards Program plus extra Platinum Rewards. Earn 3 Awards points for every $1 spent with a Commonwealth Bank American Express Card and enjoy acceptance at 29 million locations with MasterCard One account. Two cards. Expect more. 20.74% 5.99% for 5 months$280 ( $250 for qualifying customers)21.74%Apply Now For The Commonwealth Bank Platinum Awards Credit Card Read More About The Commonwealth Bank Platinum Awards Credit Card
ANZ Rewards Credit Card
ANZ Rewards Credit Card
Uncapped points earning allows you to redeem points for a huge selection of rewards19.74% $8920.99%Apply Now For The ANZ Rewards Credit Card Read More About The ANZ Rewards Credit Card
ANZ Rewards Platinum Credit Card
ANZ Rewards Platinum Credit Card
Enjoy accelerated points earning and great Platinum features with ANZ Rewards Platinum. 19.74% $14920.99%Apply Now For The ANZ Rewards Platinum Credit Card Read More About The ANZ Rewards Platinum Credit Card
NAB Qantas Card
NAB Qantas Card
Earn a low balance transfer rate.20.24% 4.99% for 6 months$6521.74%Apply Now For The NAB Qantas Card Read More About The NAB Qantas Card
Westpac Earth Classic
Westpac Earth Classic
The Westpac Earth credit card has consistently been one of the best Qantas Frequent Flyer direct earn credit cards in the Australian market.19.99% 0.99% for 6 months$7521.49%Apply Now For The Westpac Earth Classic Read More About The Westpac Earth Classic
Westpac Earth Gold Card
Westpac Earth Gold Card
Greater point conversion rates than the Standard Earth card. Complimentary travel insurance and benefits.19.99% 0.99% for 6 months$12521.49%Apply Now For The Westpac Earth Gold Card Read More About The Westpac Earth Gold Card
Westpac Earth Platinum Cards
Westpac Earth Platinum Cards
Greater introductory point offers and better conversion rate than Earth Gold. Plenty of travel insurance/benefits.19.99% 0.99% for 6 months$25021.49%Apply Now For The Westpac Earth Platinum Cards Read More About The Westpac Earth Platinum Cards
Westpac Singapore Airlines Gold
Westpac Singapore Airlines Gold
The Singapore Airlines Westpac Gold Card will allow you to maximise your KrisFlyer miles earning potential on your purchases. Also includes complimentary insurance: overseas travel, purchase security, extended warranty insurance cover.19.49% 0.99% for 6 months$12520.74%Apply Now For The Westpac Singapore Airlines Gold Read More About The Westpac Singapore Airlines Gold
Westpac Singapore Airlines Platinum
Westpac Singapore Airlines Platinum
All the perks of the Gold card and more. Receive 10,000 KrisFlyer miles after your first purchase on either for your new credit cards. Earn double points when you spend at singaporeair.com.au19.49% 0.99% for 6 months$25020.74%Apply Now For The Westpac Singapore Airlines Platinum Read More About The Westpac Singapore Airlines Platinum
Westpac Altitude Card
Westpac Altitude Card
Redeem Altitude points for flights on any of the world's major airlines. Earn up to 3 bonus points for every dollar spent.19.99% 3.99% for 6 months$10021.59%Apply Now For The Westpac Altitude Card Read More About The Westpac Altitude Card
Westpac Altitude Gold Cards
Westpac Altitude Gold Cards
Redeem Altitude points for flights on any of the world's major airlines. Receive 10,000 points when your card is first used. Free insurance and travel benefits. Everything included in the Standard Altitude, + More.19.99% 3.99% for 6 months$15021.59%Apply Now For The Westpac Altitude Gold Cards Read More About The Westpac Altitude Gold Cards
Westpac Altitude Platinum Cards
Westpac Altitude Platinum Cards
Redeem Altitude points for flights on any of the world's major airlines. Receive 15,000 points when your card is first used. lots of Platinum benefits and privileges. Everything included in the Gold Altitude, + More.19.99% 3.99% for 6 months$29521.59%Apply Now For The Westpac Altitude Platinum Cards Read More About The Westpac Altitude Platinum Cards
ANZ Frequent Flyer Platinum American Express/Visa
ANZ Frequent Flyer Platinum American Express/Visa
The ANZ Frequent Flyer Platinum Credit Card is like your own personal lifestyle concierge with access to Visa Platinum Concierge and Visa Platinum privileges.19.74% $29520.99%Apply Now For The ANZ Frequent Flyer Platinum American Express/Visa Read More About The ANZ Frequent Flyer Platinum American Express/Visa

Business And Personal Credit Cards Offerings From A Prestigious Credit Card Company

The American Express company provides a wide variety of services for the promotion of small businesses, large corporations and also a number of consumer services for individuals. These offerings include both business and personal credit cards.

The credit card offerings by American Express have long been associated with wealthy consumers with outstanding credit ratings, and also with frequent flyers.

The following provides a listing of the features available with its business and personal credit card offerings.

  • American Express provides business credit cards to match the business’ size and spending needs. Business credit cards offered by American Express are held in very high regard in the Australian credit card market. This is due to the valuable rewards program, the Membership Rewards program cardholders have access to as they utilize the cards. As businesses use their cards to pay for their expenses, points are awarded based on the purchases. These points are accumulated and can be used to redeem valuable travel rewards related to flights, car rentals, necessary business trip items and hotel accommodations.
  • American Express also provides personal credit cards for the personal use of individuals, especially those managing large expenses and large monthly expenditures. The Membership rewards program is made available to those personal card holders who cover their balance monthly.
  • The card is available to Australian individuals who hold gold card offerings with other card providers.
  • Despite its outstanding reputation as a credit card company, hefty surcharges apply for retailers who accept the American Express cards and as a result the card is often not accepted in many retail establishments.  

Important Details Of The Membership Rewards Program

The benefits of the American Express Membership Rewards program is so valuable, it has become the main reason many Australians value and choose the American Express cards for their business and personal expenditures.  

Points earned in this program are conveniently used to redeem valuable travel rewards which can be redeemed for flights, foreign currency, hotels and other benefits and features related to travel. Redeeming shopping rewards will allow a cardholder to receive top brand sporting goods, wines, home-ware, technological products, and various gifts. In addition, the points may be applied to entertainment, sporting activity, leisure and dining choices that appeal to the cardholders’ way of life.

For you to remain a member in the Membership Rewards program, you must keep an active account which must not be overdue by 40 days or more. If you do not maintain those conditions, your rewards points will expire and will be forfeited unless they are reinstated within 90 days from your statement date. Should you cancel out of the program, you will forfeit the accumulated points and even if you re-enroll, they will not be reinstated.

Qualifying And Gaining Approval For The American Express Card

In general qualifying for an American Express card is a more rigorous and demanding process that that of other card applications. Acceptance is generally granted to those individuals who show excellent credit history, who have high spending volumes, who have high incomes and who have demonstrated a consistently disciplined management of their money. Less stringent requirements apply to some American Express credit cards, so you should do your due diligence to determine which type of card will suit your individual circumstances.

The qualification requirements for the American Express card will vary with the specific card. However, an applicant must be 18 years of age or greater, an Australian resident or citizen, must have a good credit rating, and must meet the income requirements set for the specific card you are applying. Some American Express cards are more prestigious than others and are therefore more stringent in their application requirements.

American Express Overview

Make sure the rewards and benefits of the card you're interested in would outweigh the potential annual fee that would be carried with the card. For instance, if you don't take advantage of an extensive international travel and insurance benefit on a particular credit card, you would be paying for nothing with the relatively high annual fee.

Also note that to be approved for an American Express cards you will need a solid credit history and typically high annual earnings.

Discover why Amex credit cards are considered to be so prestigious and exclusive, then be surprised by how easy it is to apply. Check out their versatile range and choose a card that satisfies your demands.

Founded in 1850 in New York City, American Express is considered to be one of the most prestigious financial institutions in the world. Amex has expanded since those first days and currently has offices in more than 130 countries.

Mention American Express credit cards to most people and they will instantly conjure up images of high-flyers and big spenders. Although this can certainly be the case, especially with the American Express Platinum Card and the super-exclusive black Centurion card, Amex credit cards are within the reach of many people whose application would be accepted for a regular gold card at a high street bank.

Although American Express credit cards may be the first things to spring to mind, the company also offers business services that are aimed at helping small companies wanting to advance in the corporate world, as well as financial services for consumers.

There are many kinds of American Express credit card both for personal and business use, and many of the well-known Australian banks issue Amex credit cards to lure more customers. Sometimes, these cards will form a companion card to a bank's Visa credit card, allowing more points to be accumulated per dollars spent where Amex is accepted. Some American Express credit cards are partnered with the Qantas Frequent Flyer program, whilst the Amex Blue Sky credit card allows for a whole range of travel-related rewards at a zero annual fee. Or you might like the sound of the Amex Moneyback card which returns 1% of your spend to your card account.

One of the main reasons people go for an American Express credit card is the world-renowned customer service and Amex benefits that come as standard on many cards. They are also a great choice for the business customer as there are four options to choose from, depending on the size of your business and its specific requirements.

Take a look at the Amex credit cards available to see why you should be aiming a little higher in life.


* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from. ‘Best and ‘Top' are ratings which are subject to our consideration and is not rated against all Australian credit cards. We recommend you take this information into account when comparing credit cards.

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Popular Credit Card Offers

  Interest Rate (p.a.) Balance Transfer Rate (p.a.) Annual fee Cash Advance Rate (p.a.)  
Citibank Clear Platinum Card
Citibank Clear Platinum Card
Competitive interest rate on purchases and balance transfers offer.11.99% 2.9% for 12 months$9921.74%Apply Now For The Citibank Clear Platinum Card Read More About The Citibank Clear Platinum Card
St George Vertigo
St George Vertigo
Take advantage of this great offer from St.George with a low rate on purchases and a low balance transfer offer.13.24% 0.99% for 12 months$5521.49%Apply Now For The St George Vertigo Read More About The St George Vertigo
ANZ Platinum Credit Card
ANZ Platinum Credit Card
An introductory interest rate offer on balance transfers and purchases, plus a $0 first year annual fee.0% for 6 months (reverts to 19.24% )0% for 6 months$0 annual fee for the first year( $87 thereafter)20.99%Apply Now For The ANZ Platinum Credit Card Read More About The ANZ Platinum Credit Card
American Express Qantas Discovery Card
American Express Qantas Discovery Card
Earn Qantas Frequent Flyer points, plus take advantage of the no annual fee offer.20.74% $020.74%Apply Now For The American Express Qantas Discovery Card Read More About The American Express Qantas Discovery Card