American Express
American Express

The American Express Essential® Credit Card

Purchase Rate
14.99% p.a.
Cash Advance Rate
0% p.a.
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Interest Free
Up to 55 days
Annual Fee
$0.00
  • $0 annual fee.
  • Smartphone Screen Insurance of up to $500 for screen repairs to your Smartphone when you pay for your phone or contract with your Essential Credit Card.
  • Earn up to 1.25 Membership Rewards point for every $1 spent.
  • Enjoy a low interest rate of 14.99% p.a. on purchases.
  • Eligible for use with Android Pay, Apple Pay and Samsung Pay

Key Features
Rewards Program
Rewards
Joining Fee
$0.00
Annual Fee
$0.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Rewards Program

Fee & Repayments

Annual Fee $0.00
Annual Fee First Year $0.00
Rewards Joining Fee $0.00
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2.5% or $30.00
Interest Charged From StatementDate
Late Payment Fee $30.00

Rewards Program

Rewards Points per Dollar 1
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* $13,500.00
Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card*
SPEND FOR SYD/MEL RETURN* -
Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines
Conditions

Other Charges

Duplicate Statement Fee $10.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $7.00
Overseas ATM Withdrawal Fee $0.00
Over Limit Fee $0.00
Overseas Emergency Card Replacement Fee $0.00
Terms & Conditions
Cards are offered, issued, and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit Licence No. 291313. American Express income and credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 5 May 2020 and are subject to change. Applicants must be 18 years of age or over, and earn a minimum income of $40,000 per annum to apply for the American Express Essential Credit Card. They must be an Australian Citizen or permanent resident or hold a long term visa. Long term means 12 months or more and does not include a student visa. Interest Rate. This interest rate does not apply for Cash Advances and associated fees. Interest Free Period. You will have up to 55 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued. Membership Rewards Program. Subject to the Terms and Conditions of the Membership Rewards program available at americanexpress.com/en-au/rewards/membership-rewards/terms. You will earn 1 point per dollar spent with Merchants classified as 'government', including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies, including where you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. Insurance. The American Express Essential Credit Card insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits) – see the full terms and conditions available here. You must use your American Express Essential Credit Card to pay for eligible items in order to be covered under the insurance. For Smartphone Screen Insurance, you must use your American Express Essential Credit Card to pay for your phone outright or your monthly phone bill. Maximum of 2 claims per 12 month period, per Account, maximum cover of $500 per claim and an excess of 10% of the claimed amount applies. Waiting periods may apply. Find out more or make a claim here. The insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Card members are not a party to the group policy, but may be able to claim under it as third party beneficiaries. This webpage does not take into account your objectives or financial situation. You should read the full terms and conditions to decide if this insurance meets your needs. Additional Cards. Additional Card Members must be 16 years of age or over. Please note Additional Cards are referred to as Supplementary Cards in some Terms and Conditions and marketing materials. The basic Card Member will be liable to pay for all spend made by Additional Card Members. Partner Programs. Subject to the Terms and Conditions of the Membership Rewards Gateway program available at americanexpress.com/en-au/rewards/membership-rewards/terms. You must be a member of the partner program, joining fees may apply and points transferred will be subject to the terms and conditions of the applicable program. American Express Travel. To earn or redeem Membership Rewards points, Cards must be registered to the American Express Membership Rewards program, and be active and current in their payments. When paying with a combination of your American Express Card and Membership Rewards points, only the value applied to the Card is eligible to earn Membership Rewards points. Membership Rewards Terms and Conditions apply when booking on the American Express Travel website. Please visit the Membership Rewards website to view the full Terms and Conditions. Webjet. A minimum of 7,500 points must be redeemed at any one time. Travel bookings using points may be booked for any person, provided all your accounts are kept in good standing and are not overdue. Webjet is not available to Card Members enrolled in the Membership Rewards Gateway program. Subject to the Membership Rewards Terms and Conditions and the partners' booking terms and conditions. Shop With Points. Subject to Terms and Conditions available at davidjones.com/rewardpoints. The amount of Membership Rewards Points required to purchase the item(s) is subject to change at any time. Minimum redemption rates apply. Only American Express Cards issued by American Express Australia Limited are eligible provided they are enrolled in the Membership Rewards program. The David Jones Storecard, Card Members enrolled in the Qantas Frequent Flyer program, and Additional Card holders are not eligible for Shop with Points transactions. The Primary Card must be used to complete the purchase. Gift Cards. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details. Select + Pay With Points. Subject to the Terms and Conditions of the Membership Rewards Gateway program available at americanexpress.com/en-au/rewards/membership-rewards/terms. Minimum of 1,000 points required. Any credit to your Card Account cannot exceed the current outstanding balance on your Account. Points will be debited immediately and credit will take up to three business days to appear on your online statement. Ticketmaster. A minimum of 2,000 points must be redeemed at any one time. Tickets must be purchased using your eligible American Express Card and will be charged to that day's purchase. American Express will debit the Membership Rewards points from your Membership Rewards account and issue a credit for the corresponding dollar amount charged for your ticket purchase on your Card account. Subject to the venue's and Ticketmaster's no refund/no exchange policy and the Membership Rewards Terms and Conditions. Fraud Protection Guarantee. Provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges. Emergency Card Replacement. If your Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you will not be liable for any unauthorised charges. Plan It: You can create an Instalment Plan as long as your account is in good standing. We may limit the amount that can be transferred to an Instalment Plan. Each Instalment Plan will begin from the date it is successfully created, as communicated to you in your Online Account. Payment of your first Monthly Instalment will be due in your next payment cycle. You will be charged a Monthly Plan Fee for each Instalment Plan created. This fee will be charged each month your Instalment Plan is active and will be notified to you before you create the Instalment Plan. View the full Plan It Instalments Terms and Conditions here. Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices. Google Pay and the Google Logo are trademarks of Google LLC.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

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