Amex Credit Cards Australia

Compare American Express credit cards on Canstar’s database using the table below. It shows cards using the Amex card network offered by our Online Partners.

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  • Purchase rate p.a. - lowest first
  • Purchase rate p.a. - highest first
  • Reward points per $1 - lowest first
  • Reward points per $1 - highest first
  • Annual fee - lowest first
  • Annual fee - highest first
promoted
Fees & charges apply. Australian Credit Licence 233714.
13.99%
-
$55
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0% p.a. interest rate on balance transfers for 24 mths.
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2% BT fee applies.
Offer
Fees & charges apply. Australian Credit Licence 233714.
Fees & charges apply. Australian Credit Licence 233714.
promoted
Fees & charges apply. Australian Credit Licence 234945.
12.99%
-
$59
dot
0% p.a. for 24 months on balance transfers.
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Free overseas travel insurance. No FX fees.
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3% BT Fee. Ltd time, other fees, T&Cs apply.
Offer
Travel insurance
Fees & charges apply. Australian Credit Licence 234945.
Fees & charges apply. Australian Credit Licence 234945.
promoted
Fees & charges apply. Australian Credit Licence 233714.
13.74%
-
$59
dot
0.00% p.a. interest rate on balance transfers for 26 mths. Rate reverts to 21.49% p.a. Balance transfer fee of 2% applies.
Offer
Fees & charges apply. Australian Credit Licence 233714.
Fees & charges apply. Australian Credit Licence 233714.
promoted
Fees & charges apply. Australian Credit Licence 230686.
20.74%
0.50
uncapped
$0
dot
Points never expire
Fees & charges apply. Australian Credit Licence 230686.
Fees & charges apply. Australian Credit Licence 230686.
promoted
Fees & charges apply. Australian Credit Licence 392145.
23.99%
1
uncapped
$99
$0 in first year
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No annual card fee in your first year* T&Cs Apply.
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Canstar Outstanding Value - Reward Credit Cards 2025 Award winner.
Points never expire
Fees & charges apply. Australian Credit Licence 392145.
Fees & charges apply. Australian Credit Licence 392145.
promoted
Fees & charges apply. Australian Credit Licence 291313.
N/A
2.25
uncapped
$1,450
Bonus
Travel insurance
Points never expire
Airline lounge access
Fees & charges apply. Australian Credit Licence 291313.
Fees & charges apply. Australian Credit Licence 291313.
promoted
Fees & charges apply. Australian Credit Licence 291313.
23.99%
2
uncapped
$395
Travel insurance
Points never expire
Airline lounge access
Fees & charges apply. Australian Credit Licence 291313.
Fees & charges apply. Australian Credit Licence 291313.
promoted
Fees & charges apply. Australian Credit Licence 291313.
23.99%
1.25
uncapped
$440
Bonus
Travel insurance
Airline lounge access
Fees & charges apply. Australian Credit Licence 291313.
Fees & charges apply. Australian Credit Licence 291313.
promoted
Fees & charges apply. Australian Credit Licence 291313.
23.99%
1
up to 12,000 pts/yr then 0.75 uncapped
$95
Bonus
Travel insurance
Fees & charges apply. Australian Credit Licence 291313.
Fees & charges apply. Australian Credit Licence 291313.
promoted
Fees & charges apply. Australian Credit Licence 291313.
23.99%
1
uncapped
$108
Points never expire
Fees & charges apply. Australian Credit Licence 291313.
Fees & charges apply. Australian Credit Licence 291313.

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The initial results in the table above are sorted by Reward points per $1 (High-Low) , then Annual fee (Low-High) . Additional filters may have been applied, which impact the results displayed in the table - filters can be applied or removed at any time.

promoted
Fees & charges apply. Australian Credit Licence 291313.
Receive 50,000 Bonus Qantas Points
dot
Receive 50,000 bonus Qantas points
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Min spend $5k in first 3 months. Offer ends 1 July 2025
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T&Cs apply. New Amex Card Members only.
Fees & charges apply. Australian Credit Licence 291313. See Terms & Conditions.
Fees & charges apply. Australian Credit Licence 291313. See Terms & Conditions.

About American Express credit cards

American Express (Amex) is a globally integrated payments company that’s been providing customers with financial products for over 170 years. Originally beginning as a freight forwarding company in 1850, American Express entered the Australian market in 1954 and launched the first Amex card in Australia in 1974.

American Express provides credit cards, charge cards and various insurance products. The company is known for offering various benefits and rewards for customers who use its products and services. Unlike Mastercard and Visa, Amex functions as both a payment processing system and a distributor of financial card services.

 

Frequently Asked Questions about American Express Credit Cards

Different types of credit cards may have different eligibility criteria. However, in general, to apply for a <brand name> credit card, you must meet the following criteria:

  • at least 18 years old.
  • an Australian citizen or permanent resident.
  • have a good credit history
  • agree to a credit check.

Before you apply, it could be a good idea to check your credit score.

For more information on eligibility requirements, visit the provider’s website.

Before applying, consider the eligibility criteria, plus whether a credit card is generally suitable for your needs. You can also compare your other options using Canstar’s comparison tables.

If you choose to apply for an American Express credit card, you can do so online or you can call American Express. American Express says you will need the following information at hand:

  • Existing American Express Card number (if applicable)
  • Your driver’s licence details
  • Your current employer’s details, including full address and telephone number
  • Your personal, annual, gross (pre-tax) income
  • If your are self-employed, details of your accountant

American Express says the application will take about 10 minutes to complete if you have all of the above information at hand. When reviewing your application, American Express says it will verify your income and do a credit assessment.

You will need to activate your new American Express credit card before you can use it. To activate your American Express card, visit americanexpress.com/activate and follow the prompts. You can also activate your card through the Amex app.

When interest is charged:

You will be charged interest on any purchase you make with an American Express card unless you repay the full balance within the specified period. The amount of interest that you’re charged depends on:

  • The interest rate on your credit card
  • The amount you spent and when you spent it
  • When you pay your credit card bill

When interest is not charged:

Interest is not charged on interest-free days. Interest-free days refer to the time from when you buy something with your card to when interest is applied. To make the most of these interest-free days, cardholders can make a purchase the day a new statement period begins and pay the closing balance by the due date shown on your statement.

Your credit limit will be determined based on the information you provide in your application, keeping in mind the minimum and maximum credit limits available for each American Express credit card.

American Express says you can apply for an increase or decrease through its Online Services or by calling the number on the back of your card.

If you want to cancel an American Express credit card, you can call the customer service helpline number on the back of your card. Your card balance will need to be repaid in full, even after the card is closed, and you will continue to receive monthly statements until your card balance is fully repaid.

If you’re cancelling your American Express credit card because you are not satisfied with it, you may want to consider your other options when it comes to credit cards:

Compare Credit Cards

Canstar Credit Card Star Ratings and Awards

Looking for an award-winning credit card product or to switch providers or brands? Canstar rates products based on price and features in our Credit Card Star Ratings and Awards. Our expert Research team shares insights about which products offer 5-Star value and which providers offer outstanding value overall.

Canstar rates a range of financial products, covering banking, insurance and investment. We also reveal which providers have the most satisfied customers in our dedicated Customer Satisfaction Awards.

View all Star Ratings and Awards


 

About our finance experts

Alasdair Duncan, Content Editor

Alasdair Duncan
Alasdair Duncan is Canstar's Content Editor, specialising in home loans, property and lifestyle topics. He has written more than 500 articles for Canstar and his work is widely referenced by other publishers and media outlets, including Yahoo FinanceThe New DailyThe Motley Fool and Sky News. He has featured as a guest author for property website homely.com.au. In his more than 15 years working in the media, Alasdair has written for a broad range of publications. Before joining Canstar, he was a News Editor at Pedestrian.TV, part of Australia’s leading youth media group. His work has also appeared on ABC News, Junkee, Rolling Stone, Kotaku, the Sydney Star Observer and The Brag. He has a Bachelor of Laws (Honours) and a Bachelor of Arts with a major in Journalism from the University of Queensland, and has completed a RG146 compliance training course. When he is not writing about finance for Canstar, Alasdair can probably be found at the beach with his two dogs or listening to podcasts about pop music. You can follow Alasdair on LinkedIn.

Joshua Sale, GM, Research

Joshua Sale

As Canstar’s Ratings Manager, Josh Sale is responsible for the methodology and delivery of Canstar’s Credit Card Star Ratings and Awards. With tertiary qualifications in economics and finance, Josh has worked behind the scenes for the last five years to develop Star Ratings and Awards that help connect consumers with the right credit card for them.

Josh is passionate about helping consumers get hands-on with their finances. Josh has been interviewed by media outlets such as the Australian Financial Reviewnews.com.au and Money Magazine.

You can follow Josh on LinkedIn, and Canstar on Twitter and Facebook.

Important information

For those that love the detail

This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.

Canstar may earn a fee from its Online Partners for referrals from its website tables, and from sponsorship or promotion of certain products. Fees payable by product providers for referrals and sponsorship or promotion may vary between providers, website position, and revenue model. Sponsorship/promotion fees may be higher than referral fees. If a product is sponsored or promoted, it’s an ad and it is clearly marked as such. An ad might appear in different places on our website, such as in comparison tables and articles. Ads may be displayed in a fixed position in a table, regardless of the product's rating, price or other attributes. The location of an ad doesn’t indicate any ranking or rating by Canstar. Payment of fees for ads does not influence our Star Ratings. See How We Get Paid to find out more. Payment of fees for ads does not influence our Star Ratings or Awards.

The Credit Cards Star Ratings are updated daily based on product features at that date, except for the Overseas Travel profile which is updated annually. Current rates, product features and fees are displayed and may be different to what was rated. The results don’t include every provider in the market and we may not compare all features relevant to you. You can find a description of the initial sort order below the table. Depending on which card feature/use you are looking at, the results will be sorted as follows:

  • Low fee is sorted by Star Ratings, then lowest Annual Fee, then alphabetically by brand.
  • Rewards is sorted by Star Ratings, then lowest Annual Fee, then alphabetically by brand.
  • Frequent Flyer is sorted by Star Ratings, then highest airline points per dollar, then alphabetically by brand.
  • Balance Transfer is sorted by Star Ratings, then lowest balance transfer rate, then lowest rate for the longest period, then lowest revert rate, then lowest upfront fee, and then alphabetically by brand. Please note that Balance Transfer Star Ratings are not for balance transfer suitability but are instead based on the Low Rate profile. 
  • All card types is sorted by highest Points per dollar spent, then lowest Annual fee, then alphabetically by brand.
  • Overseas Travel is sorted by Star Ratings, then lowest currency conversion on purchases, then lowest annual fee.

 

You can use the sort buttons at the top of each column to re-order the display. Learn more about our Credit Cards Star Rating Methodology and our Travel Credit Card and Travel Debit Card Star Ratings Methodology. The Occasional Overseas Traveller rating is shown in the table. The rating shown is only one factor to take into account when considering products. 

The products and Star Ratings in the table might not match your exact inputs in the selector. Sometimes the methodology uses profiles with categories or bands (e.g. income, loan amount or monthly spend), but sometimes a single methodology, without any categories or bands, is applied. The results will show the products that most closely match your selection, based on our profiles. If you are unsure about any terms used in the comparison table please refer to the glossary.

What is a Target Market Determination?

A Target Market Determination (‘TMD’) is a document that explains which people particular financial products may be suitable for (the target market) and sets out any conditions around how financial products can be distributed to consumers.

Why do product issuers provide Target Market Determinations?

From 5 October 2021, TMDs are compulsory for most financial products.

Issuers and distributors of financial products must take reasonable steps that are likely to result in financial products reaching consumers in the target market defined by the product issuer.

We recommend that you consider the TMD before making a purchase decision. Contact the product issuer directly for a copy of the TMD.

Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general financial advice is right for your personal circumstances. Canstar provides information about credit products. We’re not suggesting or recommending a particular credit product for you. If you decide to apply for a Credit Card, you will deal directly with the provider, not with Canstar. It’s important you check rates and product information directly with the provider. Consider the Target Market Determination (TMD) before making a purchase decision. Contact the product issuer directly for a copy of the TMD. For more information, read our Detailed Disclosure.

Canstar is not providing a recommendation for your individual circumstances. We cannot and do not recommend that any particular product is suitable for you. 

We provide links to our Online Partners. These are brands that may pay Canstar a fee for referring you. Our tables default to display only our Online Partners’ products initially, you can adjust the Online Partner Filter to see all of the products available for comparison on Canstar’s website. We provide these links so that you can click through to the product provider’s website to get more information. The provision of these links does not constitute a recommendation by Canstar.

Before you elect to terminate or modify existing lending arrangements, it is recommended that you consider all associated fees and application costs, as well as the timing and impact these changes could have on your wider financial arrangements and personal circumstances.