American Express Credit Cards

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American Express credit cards offer a range of benefits to suit your needs from low interest rates, balance transfers, premium insurances and rewards that will let your spending take you to your next destination.

American Express (Amex) are a major name in credit cards. You probably know them for their traveller’s cheques as well. There are more than one hundred million American Express credit cards accepted in over 130 countries, and every year you can use your American Express credit card in more and more places throughout Australia. There are many different American Express credit cards, from low rate and no annual fee through to credit cards that have an annual fee that would make you blush. Some Amex cards are issued by banks, for example ANZ and Commonwealth Bank, and are premium products. Co-branded American Express credit products are mainly platinum and above.

American Express Awards

  • Best Frequent Flyer Program and Best Frequent Flyer Credit Cards. Awarded to American Express in Money Magazine’s 2013 Best of the Best Awards.
American Express Essential Credit Card

American Express Credit Card Offer

Receive a $50 statement credit when you apply online and are approved. It also includes Smartphone Screen Insurance providing up to $500 for screen repairs. Plus earn 1 Membership Rewards point for every dollar you spend and a no annual fee for life.

  • $0 p.a. annual fee
  • 14.99% p.a. on purchases
  • 0% p.a. for 12 months on balance transfers
  • Up to 55 days interest free
  • Minimum Income Requirement of $40,000 p.a.

American Express Credit Cards Comparison

Rates last updated June 25th, 2016.

American Express Qantas Premium Card

Bonus Qantas Points offer changed from 80,000 to 30,000.

February 29th, 2016

American Express Platinum Edge Credit Card

Removed FYF offer + changed bonus points offer to 10,000

May 30th, 2016

American Express Platinum Business Card

The 150,000 Membership Reward Points has been replaced by the 100,000 offer until 1 August 2016.

May 31st, 2016

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points. Plus, enjoy 0% p.a. for 12 months on balance transfers.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points and up to 3 rewards points per dollar spent, plus 0% p.a. balance transfer offer for 12 months and a complimentary return flight every year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points and earn up to 2 points for every $1 you spend, together with a $0 annual fee. Also receive 0% p.a. for 12 months on balance transfers.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
American Express Qantas Premium Card
Earn as much as 22,500 bonus Qantas Points when you spend $500 on eligible purchases within the first three months of card membership or 5,000 bonus Qantas Points when you make your first purchase on your new card, and 2,500 bonus Qantas Points after your first card spend in Australia on selected Qantas products and services.
20.74% p.a. $249 p.a. Go to site More info
American Express Qantas Discovery Card
Enjoy up to 7,500 extra Qantas Frequent Flyer Points and 1 point per $1 spent. Plus 0% p.a. on balance transfers for 12 months, all for a $0 annual fee.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
American Express Platinum Card
Receive 100,000 Membership Rewards Bonus Points and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 800 VIP airport lounges.
$1,200 p.a. Go to site More info
American Express Qantas Ultimate Card
Enjoy 50,000 bonus Qantas Points and up to 3 Qantas Points for every dollar spent on eligible purchases and 0% p.a. on balance transfers for 12 months, plus a complimentary return flight every year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
American Express Business Card
Earn up to 1 Membership Rewards point per dollar spent on eligible purchases.
$109 p.a. Go to site More info
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.
$1,500 p.a. Go to site More info
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.
$169 p.a. Go to site More info
David Jones American Express
Receive 30,000 Membership Rewards points and earn up to 3.00 Rewards Points for every dollar spent on everyday item and access exclusive in-store benefits to David Jones cardholders.
20.74% p.a. $99 p.a. Go to site More info
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.
$249 p.a. Go to site More info
David Jones American Express Platinum Card
Receive 40,000 Membership Rewards points or 30,000 Qantas Points. Plus earn up to 4 rewards point per $1 spend.
20.74% p.a. $295 p.a. Go to site More info
American Express Qantas Business Card
Earn 1 Qantas Point per dollar spent on eligible purchases
$299 p.a. More info
American Express Business Accelerator Credit Card
This credit card gives you up to 55 days of interest-free purchases
20.74% p.a. $160 p.a. More info
American Express Qantas Business Credit Card
Up to 55 days interest-free on purchases plus earn 1 Qantas Point per dollar spent on eligible purchases.
$160 p.a. More info

American Express Companion & Dual Credit Cards

Rates last updated June 25th, 2016.

ANZ Frequent Flyer

removed FYF offer + extended 25k bonus points offer

June 15th, 2016

ANZ Rewards Platinum

Receive 50000 bonus Rewards Points

June 15th, 2016

ANZ Rewards Credit Card

Receive 25000 bonus Rewards Points

June 15th, 2016

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Frequent Flyer Black
Earn up to 75,000 bonus Qantas Points after you make your first eligible purchase within 3 months of card approval plus earn 1.5 points per $1 spent. Easier payments with Apple Pay.
19.99% p.a. $425 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points after first eligible purchase is made within three months. Earn up to 1.5 Qantas Points per $1 spent on purchases.
19.99% p.a. $295 p.a. Go to site More info
Commonwealth Bank Awards Credit Card
Dual credit card with balance transfer offer of 5.99% p.a. for 5 months and earn up to 1.5 Awards points per dollar spent.
20.24% p.a. 5.99% p.a. for 5 months $59 p.a. Go to site More info
ANZ Frequent Flyer
Receive 25,000 bonus Qantas Points after your first eligible purchase is made within 3 months of card approval, enjoy easy payments using Apple Pay and earn 1 Qantas Point per dollar spent.
19.99% p.a. $95 p.a. Go to site More info
ANZ Rewards Credit Card
Get 25,000 bonus Reward Points after your first eligible purchase is made within 3 months of card approval and earn 1.5 points per dollar spent.
18.79% p.a. $80 p.a. Go to site More info
ANZ Rewards Platinum
Receive 50,000 bonus Reward Points after your first eligible purchase is made within 3 months of card approval and earn up 2 Reward Points for every dollar spent on purchases.
18.79% p.a. $95 p.a. Go to site More info
Commonwealth Bank Platinum Awards Credit Card
Enjoy 80,000 bonus CommBank Awards points when you apply by 30 June 2016 and spend $1,000 on eligible purchases by 31 July 2016. Earn up to 2.5 Awards points per dollar spent and receive complimentary international travel insurance.
20.24% p.a. 5.99% p.a. for 5 months $249 p.a. Go to site More info

Types of credit card from American Express

Many well-known Australian banks issue American Express credit cards as companion credit cards — a Visa or MasterCard card and an American Express card — but there are a number of American Express issued credit cards for personal and business use out there. There are more cards that cater to high-income earners than there are low rate and fee cards, and also take note of the American Express frequent flyer credit cards. No annual fee frequent flyer credit cards are not common with American Express.

  • Balance transfer credit cards

Aside from premium card benefits, competitive interest rate offers and other perks American Express also offers balance transfers to help you repay your existing credit card balance. Balance transfers provide a low rate of interest when you transfer your existing credit card debt over to a new American Express credit card. You can refer here for our step-by-step guide to completing a balance transfer with American Express.

Rates last updated June 25th, 2016
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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
0% p.a. for 12 months 14.99% p.a. $0 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points. Plus, enjoy 0% p.a. for 12 months on balance transfers.
0% p.a. for 12 months with 1% balance transfer fee 20.74% p.a. $195 p.a. Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points and up to 3 rewards points per dollar spent, plus 0% p.a. balance transfer offer for 12 months and a complimentary return flight every year.
0% p.a. for 12 months with 1% balance transfer fee 20.74% p.a. $349 p.a. Go to site More info
American Express Qantas Discovery Card
Enjoy up to 7,500 extra Qantas Frequent Flyer Points and 1 point per $1 spent. Plus 0% p.a. on balance transfers for 12 months, all for a $0 annual fee.
0% p.a. for 12 months with 1% balance transfer fee 20.74% p.a. $0 p.a. Go to site More info
American Express Qantas Ultimate Card
Enjoy 50,000 bonus Qantas Points and up to 3 Qantas Points for every dollar spent on eligible purchases and 0% p.a. on balance transfers for 12 months, plus a complimentary return flight every year.
0% p.a. for 12 months with 1% balance transfer fee 20.74% p.a. $450 p.a. Go to site More info
Rates last updated June 25th, 2016
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% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
American Express Essential Credit Card
Receive a $50 credit when you apply online by and repay your credit card balances over 12 months with 0% p.a. interest. Plus enjoy $0 annual fee for life.
0% p.a. for 12 months 14.99% p.a. $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Offers 0% p.a. interest rate on balance transfers for 18 months to help you manage your existing credit card balance. Earn bonus Velocity Points in the first 3 months.
0% p.a. for 18 months 20.74% p.a. $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
0% p.a. for 15 months 19.99% p.a. $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Interest Visa Card offers 0% p.a. purchase and balance transfer offers for 15 months. Also comes with a low annual fee.
0% p.a. for 15 months with a one off 2% balance transfer fee 0% p.a. for 15 months (reverts to 13.99% p.a.) $59 p.a. Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 12 months on balance transfers and 0% p.a. for the first 3 months on purchases.
0% p.a. for 12 months 0% p.a. for 3 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
St.George Vertigo Visa
Benefit from a low interest rate on your everyday purchases combined with a long term 0% p.a. balance transfer offer for 18 months.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
0% p.a. for 6 months 9.99% p.a. $49 p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for 12 months on purchases.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
Virgin No Annual Fee Credit Card
Enjoy a long term balance transfer plus a $100 cashback offer (spend criteria applies) and never pay an annual fee for this card.
0% p.a. for 18 months with 2% balance transfer fee 18.99% p.a. $0 p.a. Go to site More info
Coles No Annual Fee MasterCard
Get a balance transfer offer of 0% p.a. for 6 months, enjoy paying no annual fee ever, and earn flybuys points on everyday purchases.
0% p.a. for 6 months 19.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Platinum
Manage your credit card debt with 0% for 20 months on balance transfers.
0% p.a. for 20 months 1% p.a. for 12 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
NAB Low Fee Card
Get 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months with a one off 2% balance transfer fee 0% p.a. for 15 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
Citi Rewards Credit Card - Classic Card
A credit card with a long term balance transfer and complimentary access to the Citi rewards program.
0% p.a. for 12 months 20.99% p.a. $99 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 20 months and 1% p.a. for 12 months on purchases combined with complimentary insurances and annual fee waiver in the first year.
0% p.a. for 20 months 1% p.a. for 12 months (reverts to 12.74% p.a.) $0 p.a. annual fee for the first year ($99 p.a. thereafter) Go to site More info
NAB Premium Card
Enjoy purchasing with 0% for 15 months during your long term balance transfer offer with Platinum credit card advantages.
0% p.a. for 15 months with a one off 2% balance transfer fee 0% p.a. for 15 months (reverts to 19.74% p.a.) $90 p.a. Go to site More info
Citi Rewards Credit Card - Platinum Card
A long term balance transfer offer with the Citi Rewards Platinum Card. Earn extra points on overseas spend and includes travel insurance.
0% p.a. for 24 months with 1.5% balance transfer fee 20.99% p.a. $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
BankSA Vertigo Platinum
Enjoy 0% balance transfer rate for 20 months and 1% purchase rate for 12 months if you apply and are approved by 29 September 2016.
0% p.a. for 20 months 1% p.a. for 12 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
ANZ Low Rate
Save with a low rate on purchases and balance transfers with a low annual fee and ongoing purchase rate.
0% p.a. for 18 months with 3% balance transfer fee 13.49% p.a. $58 p.a. Go to site More info
  • Low rate credit cards

Look out for the purchase rate of interest and the annual fee when you’re comparing low rate credit cards. Although there are low rate credit cards from different institutions that are less costly to use for purchases, the Amex Low Rate offers the added advantage of purchase insurance.

Important Information

The American Express Low Rate Credit Card is no longer available for new applications as this credit card is no longer available to new customers. The credit card cannot be applied for, however, the information on this page has been kept for the benefit of existing customers and for those who are interested. If you would like to compare other credit cards, click Low rate.
Rates last updated June 25th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
14.99% p.a. 0% p.a. for 12 months $0 p.a. Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
9.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
NAB Low Rate Credit Card
Manage your existing credit card balance with 0% for 15 months on balance transfers with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
Commonwealth Bank Low Rate Credit Card
A $250 limited time cashback offer if you apply by 30 June 2016 and spend $500 on eligible purchases by 31 July 2016 and a low ongoing purchase rate.
13.49% p.a. 5.99% p.a. for 5 months $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
A low rate shopping credit card offering a low ongoing rate on purchases plus a low balance transfer offer of 0% p.a. for 18 months.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
NAB Low Fee Card
Get 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 12 months on balance transfers and 0% p.a. for the first 3 months on purchases.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $30 p.a. Up to 44 days on purchases Go to site More info
St.George Vertigo Platinum
Enjoy platinum card benefits with a long term balance transfer of 0% for 20 months and a low annual fee.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
Save on your existing credit card interest with 0% for 18 months on balance transfers with a low annual fee and low ongoing purchase rate.
13.49% p.a. 0% p.a. for 18 months with 3% balance transfer fee $58 p.a. Up to 55 days on purchases Go to site More info
Commonwealth Bank Low Rate Gold Credit Card
Take advantage of the $250 cash back offer if you apply by 30 June 2016 and spend $500 on eligible purchases by 31 July 2016. A low rate card that comes with up to 55 days interest-free on purchases combined with complimentary international travel insurance.
13.49% p.a. 5.99% p.a. for 5 months $89 p.a. Up to 55 days on purchases Go to site More info
Citi Simplicity Card
Enjoy a interest-free days and a low interest rate on purchases plus enjoy free bottles of wine from Citibank Dining Program. Offer ends on 31 March 2017.
11.99% p.a. for 24 months (reverts to 19.99% p.a.) $0 p.a. Up to 55 days on purchases Go to site More info
Bankwest Breeze Platinum MasterCard
Enjoy Platinum card benefits offering no foreign transaction fees on online and overseas purchases, a cash back promotion and a balance transfer offer of 2.99% p.a. for 9 months.
12.99% p.a. 2.99% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
A low rate credit card with 0% for 18 months on balance transfers and low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% for 20 months on balance transfers and 1% for 12 months if you apply by 29 September 2016.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Up to 55 days on purchases Go to site More info
Learn more about Low Rate Credit Cards

  • Rewards credit cards

American Express credit cards offer arguably the most generous and prestigious rewards program available among Australian credit cards — Membership Rewards. These cards can be ideal if you spend a large amount on your credit card and pay back what you’ve spent at the end of the statement period.

Rates last updated June 25th, 2016
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points and earn up to 2 points for every $1 you spend, together with a $0 annual fee. Also receive 0% p.a. for 12 months on balance transfers.
7,500 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
American Express Qantas Discovery Card
Enjoy up to 7,500 extra Qantas Frequent Flyer Points and 1 point per $1 spent. Plus 0% p.a. on balance transfers for 12 months, all for a $0 annual fee.
7,500 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
American Express Qantas Premium Card
Earn as much as 22,500 bonus Qantas Points when you spend $500 on eligible purchases within the first three months of card membership or 5,000 bonus Qantas Points when you make your first purchase on your new card, and 2,500 bonus Qantas Points after your first card spend in Australia on selected Qantas products and services.
30,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. $249 p.a. Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points and up to 3 rewards points per dollar spent, plus 0% p.a. balance transfer offer for 12 months and a complimentary return flight every year.
50,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points. Plus, enjoy 0% p.a. for 12 months on balance transfers.
10,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
American Express Qantas Ultimate Card
Enjoy 50,000 bonus Qantas Points and up to 3 Qantas Points for every dollar spent on eligible purchases and 0% p.a. on balance transfers for 12 months, plus a complimentary return flight every year.
50,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
American Express Platinum Card
Receive 100,000 Membership Rewards Bonus Points and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 800 VIP airport lounges.
100,000 bonus points VISA/MC: 0 AMEX: 1 $1,200 p.a. Go to site More info
American Express Gold Business Card
Enjoy 24-hour worldwide service plus a great range of tailored expense management solutions designed to help maintain control of your corporate expenses.
10,000 bonus points VISA/MC: 0 AMEX: 1 $169 p.a. Go to site More info
American Express Platinum Business Card
Better track and manage your business expenses with the American Express Platinum Business Card. Receive 100,000 bonus points and earn 2 points for every dollar spent up to 375,000, reverting to 1 point for every dollar thereafter.
100,000 bonus points VISA/MC: 0 AMEX: 1 $1,500 p.a. Go to site More info
David Jones American Express
Receive 30,000 Membership Rewards points and earn up to 3.00 Rewards Points for every dollar spent on everyday item and access exclusive in-store benefits to David Jones cardholders.
30,000 bonus points 1 20.74% p.a. $99 p.a. Go to site More info
David Jones American Express Platinum Card
Earn 40,000 Membership Rewards points when you spend outside of store 3 times in the first month.
40,000 bonus points 1 20.74% p.a. $295 p.a. Go to site More info
Rates last updated June 25th, 2016
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Rewards Platinum
Earn points for every dollar spent on purchases plus a 50,000 Reward Points after your first eligible purchase is made within 3 months of card approval.
50,000 bonus points VISA/MC: 1 AMEX: 2 18.79% p.a. $95 p.a. Go to site More info
HSBC Platinum Credit Card
Enjoy an annual fee refund every year if you meet the spend requirement with a balance transfer offer, high credit limits and prestige services including a personal concierge service and VISA Platinum rewards program.
VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months plus a low balance transfer offer of 0% p.a. for 18 months
VISA/MC: 0.66 AMEX: 0 20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Receive 40,000 bonus Qantas Points on eligible spend within 3 months. A balance transfer offer of 0% p.a. for 6 months with access to premium benefits and complimentary insurance.
40,000 bonus points VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $199 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
1 14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Earn up to 1.5 Qantas Frequent Flyer points per $1 spent on purchases. Plus 50,000 Qantas Points after your first eligible purchase is made within 3 months of card approval.
50,000 bonus points VISA/MC: 0.5 AMEX: 1.5 19.99% p.a. $295 p.a. Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points and up to 3 rewards points per dollar spent, plus 0% p.a. balance transfer offer for 12 months and a complimentary return flight every year.
50,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
Coles Rewards Mastercard
Earn 20,000 bonus Reward points, 2 flybuys points for every $1 spent, no foreign transaction fees on online and international purchases.
20,000 bonus points VISA/MC: 2 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $89 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards bonus points and a complimentary Virgin Australia flight each year. Plus a low balance transfer offer of 0% p.a. for 12 months.
10,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
Citi Qantas Signature Credit Card
Receive a 15% discount to help you get fast-tracked through immigration at over 280 international airports and access to Citibank World Privileges.
70,000 bonus points VISA/MC: 1 AMEX: 0 20.99% p.a. 0% p.a. for 6 months $99 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
VISA/MC: 1 AMEX: 2 20.24% p.a. $225 p.a. Go to site More info
ANZ Rewards Black Credit Card
Earn 75,000 Reward Points after your first eligible purchase within the first three months. Up to 3 reward points per dollar spent and unlimited access to airport lounges with complimentary travel insurance.
75,000 bonus points VISA/MC: 1.25 AMEX: 3 18.79% p.a. $375 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Earn Velocity Points plus enjoy an introductory interest-free offer of 0% p.a. on purchases for 12 months, and 0% p.a. for 6 months on balance transfers.
VISA/MC: 0.66 AMEX: 0 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
ANZ Frequent Flyer Black
Earn up to 75,000 bonus Qantas Points after you make your first eligible purchase within 3 months of card approval plus earn 1.5 points per $1 spent. Easier payments with Apple Pay.
75,000 bonus points VISA/MC: 0.75 AMEX: 1.5 19.99% p.a. $425 p.a. Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
VISA/MC: 0.5 AMEX: 0 9.99% p.a. 0% p.a. for 6 months $49 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
30,000 bonus points VISA/MC: 1 AMEX: 0 20.74% p.a. 0% p.a. for 6 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
American Express Qantas Discovery Card
A no annual fee frequent flyer credit card with Earn 7,500 bonus points and enjoy 0% p.a. on balance transfers for 12 months when you apply and are approved. Earn 1 Qantas Point per $1 spend.
7,500 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
Citi Rewards Credit Card - Classic Card
Earn 1.00 point per $1 spent on eligible purchases and a year long balance transfer offer for approved applicants.
VISA/MC: 1 AMEX: 0 20.99% p.a. 0% p.a. for 12 months $99 p.a. Go to site More info
American Express Velocity Escape Card
Receive 7,500 bonus Velocity Points when you spend $300 in the first 3 months, plus a $0 card fee.
7,500 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
Commonwealth Bank Awards Credit Card
Dual credit card with balance transfer offer of 5.99% p.a. for 5 months and earn up to 1.5 Awards points per dollar spent.
VISA/MC: 1 AMEX: 1.5 20.24% p.a. 5.99% p.a. for 5 months $59 p.a. Go to site More info
Learn more about Rewards Credit Cards
  • Frequent flyer credit cards

American Express offer frequent flyer credit cards with or without an annual fee. The Qantas Discovery and Velocity Escape are among a handful of frequent flyer credit cards that don’t charge an annual fee. They’re great for racking up rewards if you’re not a big spender. People who use their cards a lot may want to consider cards with an annual fee as they usually have a higher earn rate.

Rates last updated June 25th, 2016
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Qantas Discovery Card
American Express Qantas Discovery Card
7,500 bonus points 0 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
American Express Qantas Ultimate Card
American Express Qantas Ultimate Card
50,000 bonus points 0 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
American Express Velocity Escape Card
American Express Velocity Escape Card
7,500 bonus points 0 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
American Express Velocity Platinum Card
American Express Velocity Platinum Card
50,000 bonus points 0 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
Rates last updated June 25th, 2016
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Frequent Flyer Platinum
ANZ Frequent Flyer Platinum
50,000 bonus points 0.5 1.5 19.99% p.a. $295 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
40,000 bonus points 1 0 19.99% p.a. 0% p.a. for 6 months $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66 0 20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
American Express Essential Credit Card
American Express Essential Credit Card
1 14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0.66 0 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
American Express Velocity Platinum Card
American Express Velocity Platinum Card
50,000 bonus points 0 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
10,000 bonus points 0 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
American Express Velocity Escape Card
American Express Velocity Escape Card
7,500 bonus points 0 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
NAB Velocity Rewards Premium Card
NAB Velocity Rewards Premium Card
20,000 bonus points 0.5 1.5 0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 15 months with a one off 2%% balance transfer fee $150 p.a. Go to site More info
ANZ Frequent Flyer
ANZ Frequent Flyer
25,000 bonus points 0.5 1 19.99% p.a. $95 p.a. Go to site More info
NAB Qantas Rewards Premium Card
NAB Qantas Rewards Premium Card
20,000 bonus points 0.5 1.5 0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $250 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
30,000 bonus points 1 0 20.74% p.a. 0% p.a. for 6 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
American Express Qantas Premium Card
American Express Qantas Premium Card
30,000 bonus points 0 1 20.74% p.a. $249 p.a. Go to site More info
Citi Qantas Signature Credit Card
Citi Qantas Signature Credit Card
70,000 bonus points 1 0 20.99% p.a. 0% p.a. for 6 months $99 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
ANZ Rewards Travel Adventures card
ANZ Rewards Travel Adventures card
1 2 20.24% p.a. $225 p.a. Go to site More info
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
75,000 bonus points 0.75 1.5 19.99% p.a. $425 p.a. Go to site More info
American Express Qantas Ultimate Card
American Express Qantas Ultimate Card
50,000 bonus points 0 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
American Express Qantas Discovery Card
American Express Qantas Discovery Card
7,500 bonus points 0 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
Bankwest Qantas Platinum MasterCard
Bankwest Qantas Platinum MasterCard
8,000 bonus points 0.5 0 20.49% p.a. 2.99% p.a. for 9 months $160 p.a. Go to site More info
Citi Rewards Credit Card - Signature
Citi Rewards Credit Card - Signature
75,000 bonus points 1.5 0 20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
Learn more about Frequent Flyer Credit Cards
  • Store credit cards

Much like rewards credit cards, store credit cards give you something back when you spend. Store cards are branded with a certain merchant, and consumers who shop frequently at that place will see the greatest benefit from these cards.

Rates last updated June 25th, 2016
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
David Jones American Express Platinum Card
Earn 40,000 Membership Rewards points when you spend outside of store 3 times in the first month.
40,000 bonus points 1 20.74% p.a. $295 p.a. Go to site More info
David Jones American Express
Receive 30,000 Membership Rewards points and earn up to 3.00 Rewards Points for every dollar spent on everyday item and access exclusive in-store benefits to David Jones cardholders.
30,000 bonus points 1 20.74% p.a. $99 p.a. Go to site More info
Rates last updated June 25th, 2016
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
VISA/MC: 0.5 AMEX: 0 9.99% p.a. 0% p.a. for 6 months $49 p.a. Go to site More info
Coles No Annual Fee MasterCard
Enjoy no annual fee for the life of the card and earn 0.5 flybuys point per dollar spent.
VISA/MC: 0.5 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info
Coles Rewards Mastercard
Enjoy low balance transfer offer and earn flybuys points per dollar spent. Enjoy $10 off any Coles Supermarket after redeeming 2,000 flybuys points.
20,000 bonus points VISA/MC: 2 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $89 p.a. Go to site More info
David Jones American Express
Receive 30,000 Membership Rewards points and earn up to 3.00 Rewards Points for every dollar spent on everyday item and access exclusive in-store benefits to David Jones cardholders.
30,000 bonus points 1 20.74% p.a. $99 p.a. Go to site More info
American Express Platinum Edge Credit Card
You can easily make payments using your iPhone through the Apple Pay technology and its Touch ID feature within participating stores.
10,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
  • Business credit cards

Business credit cards can be a great way to manage your business and employee’s spending. American Express even offer business credit cards with rewards. Earn American Express Membership Rewards Points on business spending. Keep the points for yourself or turn the points into something the whole business can use.

Rates last updated June 25th, 2016
Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
American Express Gold Business Card
Enjoy 24-hour worldwide service plus a great range of tailored expense management solutions designed to help maintain control of your corporate expenses.
10,000 bonus points VISA/MC: 0 AMEX: 1 2 months $169 p.a. $24,000 Go to site More info
American Express Platinum Business Card
Better track and manage your business expenses with the American Express Platinum Business Card. Receive 100,000 bonus points and earn 2 points for every dollar spent up to 375,000, reverting to 1 point for every dollar thereafter.
100,000 bonus points VISA/MC: 0 AMEX: 1 6 months $1,500 p.a. $75,000 Go to site More info
American Express Velocity Business Card
This is a rewarding business card with no pre-set spending limit, Velocity Points earning and up to 51 days interest-free on purchases.
VISA/MC: 0 AMEX: 1 0 months $249 p.a. $24,000 Go to site More info
American Express Business Card
One of the original charge cards from American Express the offers complimentary insurances including purchase protection and accident cover.
VISA/MC: 0 AMEX: 1 0 months $109 p.a. $24,000 Go to site More info
American Express Business Accelerator Credit Card
This credit card gives you up to 55 days of interest-free purchases.
VISA/MC: 0 AMEX: 2 $160 p.a. $24,000 More info
American Express Qantas Business Card
Earn 1 Qantas Point per dollar spent on eligible purchases.
VISA/MC: 0 AMEX: 1 0 months $299 p.a. $24,000 More info
Rates last updated June 25th, 2016
Bonus Points Points per $ spent Complimentary Travel Insurance Cover Annual fee Minimum Income
ANZ Business Black
Receive 50,000 bonus points when you spend $10,000 within the first 3 months and get access to a range of premium rewards and travel benefits.
50,000 bonus points 1 3 months $450 p.a. Go to site More info
Commonwealth Bank Small Business Credit Card - Low Rate
Get $250 cash back if you apply by 30 June 2016 and spend $500 on eligible purchases before 31 July 2016. A business credit card with $0 annual fee, a low ongoing interest rate with higher credit limits.
$0 p.a. Go to site More info
American Express Platinum Business Card
Receive 100,000 bonus points, earn 1.00 Membership Rewards point for every dollar spent, complimentary insurances and access to over 600 airport lounges.
100,000 bonus points VISA/MC: 0 AMEX: 1 6 months $1,500 p.a. $75,000 Go to site More info
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.
VISA/MC: 0 AMEX: 1 0 months $249 p.a. $24,000 Go to site More info
American Express Business Card
One of the original charge cards from American Express the offers complimentary insurances including purchase protection and accident cover.
VISA/MC: 0 AMEX: 1 0 months $109 p.a. $24,000 Go to site More info
American Express Gold Business Card
Receive 10,000 bonus points on signup and earn 1 Membership Rewards points per $1 spent with uncapped earnings.
10,000 bonus points VISA/MC: 0 AMEX: 1 2 months $169 p.a. $24,000 Go to site More info
Learn more about Business Credit Cards

The benefits of banking with American Express

  • Membership Rewards — frequent flyer transfer partners

American Express Membership Rewards can be used to book travel or they can be transferred to Frequent Traveller Partners. Frequent Traveller Partners are frequent flyer programs, like Velocity or Krisflyer. American Express give you more ways to use your Membership Rewards points. You can find out more in the FAQs section on this page.

  • Fraud protection and contactless payments

Every American Express credit card comes with contactless payment technology. Just tap your card against the contactless reader to pay for purchases under $100. Every American Express credit card is protected against card fraud as well. If you’re the victim of credit card fraud, American Express have you covered. Report any instances of card fraud to American Express immediately and they will start an investigation into the unauthorised card use.

  • Exclusive access

You can use your Membership Rewards Points at Ticketmaster — they’ve got a discount code for American Express members too, so you can save on big ticket sporting events and concerts. American Express Entertainment Access puts you first in line for selected lifestyle events and experiences.

How to apply for an American Express credit card

Eligibility requirements vary between American Express cards. However, an applicant must be 18 or older, an Australian resident or citizen, must have a good credit rating, and must meet the minimum income requirement. You can apply for these cards online. Click ‘Go to Site’ and you will be directed to the American Express website and the secure online application. The online application only takes ten minutes to complete if you’ve got the right information at the ready.

Information needed to apply for an American Express credit card

  • Details about your income and employment. You’re required to provide your annual income, including any income generated from assets like property or shares, and also whether you have any savings. You will also need to provide your employer’s contact information or your account’s details if you’re self-employed.
  • Debts and liabilities. You need to provide information about your ongoing expenses, like child support payments, your weekly food budget, loan repayments and dependent children. If you have other credit cards, you’ll need to list the size of the balance you’re carrying on each card and whether you want to transfer the balance.
  • Personal information. You will need to list basic personal details like your name, contact information and your address.

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.

Can I apply for an American Express credit card?

There may be eligibility criteria that are specific to a particular product, and you can find this information on our review pages. Below are the common application requirements between American Express credit cards:

    • You must be 18 years of age or older
    • You must have a good credit history
    • Be a permanent Australian resident or hold a long stay visa
    • Earn more than $30,000 p.a. Self-employed borrowers must have been trading for 18 months before they can apply for an American Express credit card

How do I transfer a balance to an American Express credit card?

Balance transfer promotions are offered at the discretion of the credit card issuer. Not all cards have a balance transfer promotion and not all banks offer this feature to cardholders. You can elect to transfer a balance to an American Express credit card when you apply. You won’t be able to transfer a balance if you’ve previously held a credit card with American Express. There may be a fee to balance transfer to an American Express credit card. It’s called a credit establishment fee and it’s a small percentage of the total amount you transfer. This video covers off some key questions about balance transfers to American Express credit cards.

Interview about American Express balance transfer FAQs

What is a credit establishment fee?

A credit establishment fee is a balance transfer fee. It’s charged when you bring your existing credit card debt over to your new American Express credit card when you apply. It’s supposed to be a fee to cover the administrative costs of processing a balance transfer request. The credit establishment fee is expressed as a small percentage of your total balance transfer amount — sometimes 1%. The fee is taken from your available credit on your credit card, so it will need to be factored into any calculation of the total balance transfer balance.

Where can I use my American Express credit card?

American Express credit cards are not accepted by all Australian merchants, but this is changing. Every year, more and more shops and businesses accept American Express credit cards. American Express have a Business Directory tool that allows you to search for Australian businesses that accept an American Express credit card. You can access the American Express Business Directory on their website.

What’s the minimum repayment? How much do I have to pay each month?

The minimum repayment is a small percentage of your balance that you must pay back to stop your account from entering into default. The minimum monthly repayment is listed on our American Express credit card review pages and it is the minimum amount you must pay off your credit card when your statement is issued. The due date is displayed on your credit card statement.

What is American Express Membership Rewards?

This is the rewards program of American Express. Points earned in this program are conveniently used to redeem valuable travel rewards such as flights, foreign currency, hotels and other benefits and features related to travel. Redeeming shopping rewards will allow a cardholder to receive leading brands of sporting goods, wines, homewares, technological products, and various gifts. In addition, the points may be applied to entertainment, sporting activities, leisure and dining choices that appeal to your way of life.

How do I become a member of American Express Membership Rewards?

Apply and get approved for an American Express rewards credit card and you’ll be automatically enrolled in American Express Membership Rewards. To stay a member, you need to pay your account. If you’re going into default and you don’t pay within 40 days, your points are forfeited and you will no longer be a member of the program.

Do my American Express Membership Rewards points expire?

As long as you keep your account in ‘good standing’ your American Express Membership Rewards Points won’t expire. In ‘good standing’ means you need to stop your account from going into default, so keep paying your card and your points won’t expire.

Which airlines can I transfer my Membership Rewards Points to?

American Express have one of the largest number of airline frequent flyer transfer partners out of any rewards program in Australia. You get a competitive deal if you turn your American Express Membership Rewards Points into frequent flyer points. Many other rewards program have a shocking rate when you transfer between their rewards points and frequent flyer points with their partners. For many frequent flyer programs linked to American Express Membership Rewards, the conversion rate is 1:1. Transfer Frequent Flyer Points

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American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149
More info
NAB Low Rate Credit Card
NAB Low Rate Credit Card

Interest rate

13.99

Annual fee

59
More info
ANZ First Visa Credit Card - Exclusive Offer
ANZ First Visa Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

30
More info
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34 Responses to American Express Credit Cards

  1. Default Gravatar
    Mark | January 15, 2016

    Hi,

    Just wondering if you could tell me if I can load up my Qantas frequent flyer AMEX credit card with my own money as my current credit card limit won’t be sufficient for the amount of purchases I want to make on the card at one time.

    Is this okay to do and if so will I still earn Qantas frequent flyer points?

    Thank you.

    • Staff
      Sally | January 21, 2016

      Hi Mark,

      You wouldn’t be able to load the card with more funds than the credit limit. Instead, you may need to contact American Express to request a credit limit increase. You can request a credit limit increase by contacting the American Express customer service team directly or by completing and submitting a credit limit increase form via the American Express website.

      I hope this has helped.

      Cheers,

      Sally

  2. Default Gravatar
    Piyadasa | September 9, 2015

    Can I transfer my British airways American express avios points to Qantas American express card?

    • Staff
      Sally | September 10, 2015

      Hi Piyadasa,

      Thank you for your inquiry.

      Please note that you have come through finder.com.au, not American Express. Unfortunately, British Airways Avios Points can’t be transferred to Qantas Points, however you can use them to redeem a flight on Qantas.

      Please refer on this page for more details about Qantas Frequent Flyer Program.

      I hope this has helped.

      Cheers,

      Sally

  3. Default Gravatar
    Lee | July 30, 2015

    I have had an American Express card for many years, and have had a secondary person with a card able to use it, I am looking at changing to the low rate card, is it possible to have separate accounts with new
    cards if transferring and if so is it easy or a lot of running around.

    • Staff
      Sally | July 31, 2015

      Hi Lee,

      Thanks for your inquiry.

      Please note that you have come through to finder.com.au, not American Express. However, we can confirm that American Express only allows you to transfer balances from accounts under your name. Once you apply for an AMEX Low Rate card and have been approved, the approval process for your balance transfer will immediately start commencing 72 hours after card approval.

      Please refer to this page for more information on balance transfers.

      I hope this has helped.

      Cheers,

      Sally

  4. Default Gravatar
    Julie | March 29, 2015

    Where can I use my Amex Qantas discovery card in Australia? I received my card but when I looked where I can use it I noticed it’s a bit limited because some places only take mastercard or visa, would appreciate any help!

    Thanks, Julie

    • Staff
      Jonathan | March 30, 2015

      Hi Julie, thanks for getting in touch with us!

      You can use your AMEX card at any EFTPOS terminal which accepts a credit card in Australia, except for merchants that only accept Mastercard or Visa cards.

      Cheers,

      Jonathan

  5. Default Gravatar
    Hy | November 20, 2014

    I’m currently hold an ANZ Qantas FF VISA and American Express card. I want to know if I could join American Express reward program using my ANZ American Express card? Because the point earning value in American Express reward program is better and Qantas point.

    Thank you.

    • Staff
      Elizabeth | November 20, 2014

      Hi Hy,

      Thanks for your question.

      Unfortunately transferring rewards programs isn’t an option with this credit card. If you’re looking at taking out a card that is linked to the American Express Membership Rewards program, you can compare a range of cards on this page.

      I hope this has helped.

      Thanks,

      Elizabeth

  6. Default Gravatar
    glen | September 10, 2014

    Can I reconnect a old card and account. I would like to get a amx card with you again.

    • Staff
      Shirley | September 12, 2014

      Hi Glen,

      Thanks for your question.

      If you’ve closed your previous credit card account, you’ll need to apply again for another one.

      After you’ve chosen the card you want to apply for, you can click ‘go to site’ to be taken to the application page.

      Cheers,
      Shirley

  7. Default Gravatar
    Tony | September 5, 2014

    I STAY IN THE COOK ISLANDS RAOTONGA HOW CAN I APPLY FOR A AMERICAN EXPRESS CREDIT CARD

    • Staff
      Shirley | September 8, 2014

      Hi Tony,

      Thanks for your question.

      Unfortunately to be eligible for most Amex credit cards you need to be an Australian resident or citizen. I’d recommend that you get in touch with Amex directly to discuss your options.

      Please note that online applications are available as well.

      Cheers,
      Shirley

  8. Default Gravatar
    AK747 | February 24, 2014

    Hi, I want to apply for a card that gives me the best conversion rate for Asia Air Miles. It appears from this site that an AMEX with MR earning is the way to go as it gives you 1:1 redemption to Asia Air Miles. I will be spending approx. $200,000 pa on the AMEX, including a lot of business payments: mainly ATO and some utilities, rates etc where possible. Can you recommend an AMEX card for this? Thanks…

  9. Default Gravatar
    Galen | February 11, 2014

    Formerly an AMEX Gold Card holder which allowed withdrawal from bank funds I now have a PSA AMEX Gold Credit Card. Does it have the same facility? And what charges apply to UK or USA purchases using the PSA card please? I’m a member of 35 years standing.

    • Staff
      Jacob | February 13, 2014

      Hi, Galen.

      I have sent the key fact sheet about this credit card to your email.

      Thanks for your question.

  10. Default Gravatar
    Rose | November 22, 2013

    Hi,

    I am trying to evaluate the best credit card for me but struggling!

    I am on a 457 but have over 2 years left to run and apply for company sponsored PR in June 14
    I earn over the minimum thresholds for most cards
    I am only interested in getting a credit card to help my credit rating and will be paying it off each month
    The key attribute I want in a card is high frequent flyer miles

    Thank you in advance for your help – it’s a minefield out there!

    • Staff
      Jacob | November 25, 2013

      Hi Rose.

      Thanks for your question.

      Have a look at our page on credit cards for temporary residents. This page will tell you which providers offer cards to temporary residents. Some may even offer frequent flyer or rewards credit cards. If you’re eligible for a card, you will need to apply in person.

      I hope this helps.

Credit Cards Comparison

Rates last updated June 25th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Interest Visa Card offers 0% p.a. purchase and balance transfer offers for 15 months. Also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 40,000 bonus Qantas Points on eligible spend within 3 months. A balance transfer offer of 0% p.a. for 6 months with access to premium benefits and complimentary insurance.
19.99% p.a. 0% p.a. for 6 months $199 p.a. Go to site More info

* 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 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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