American Express
American Express

The American Express Essential® Credit Card

Purchase Rate
14.99% p.a.
Cash Advance Rate
0% p.a.
Interest Free
Up to 55 days
Annual Fee
  • $0 annual fee.
  • Get $200 back when you apply, are approved and spend $1,500 on your card in your first 3 months of Card Membership. T&Cs apply. New Card Members only
  • 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
Joining Fee
Annual Fee
Insurance Cover
for Purchases
Overseas ATM
Automatic Travel

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*
Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines

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 7 December 2021 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. Bonus & Eligibility. To receive $200 Credit, you must apply online, be approved and spend $1,500 or more on eligible purchases on your new Card in the first 3 months from the Card approval date. Please allow 8-10 weeks for the credit to be credited to your Account after the spend criteria has been met. Card Members who opt in to receiving payment alerts, may receive a payments received email once the $200 Credit has been applied to their account. The Credit is not redeemable for cash or other payment form. The credit will not be applied to your account if it has been suspended or cancelled. The Statement Credit may be reversed if your qualifying purchase is refunded or cancelled. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the proceeding 18 month period are ineligible for this offer. Eligible purchases do not include annual Card fees, cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer and may be removed at any time. 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. 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).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.