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 information, including fees, charges and interest rates are correct as at 8 May 2025 and are subject to change. Applicants must be 18 years of age or over to apply. They must be an Australian Citizen or permanent resident or hold a long-term visa.

1. Flexible Spending Power: Unless we tell you otherwise, your American Express Charge Card comes with flexible spending power, also known as no pre-set spending limit. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your personal credit rating and other factors. The way you use your Card can help your spending power grow, particularly in the first few months. To help maximise your spending power, you can make regular transactions and don’t miss any payments.

2. Membership Rewards Program. Subject to the Terms and Conditions of the Membership Rewards program available here. Merchants classified as "government" include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. There may be tax implications associated with participation in the Membership Rewards program. You are advised to check with your accountant or tax adviser for further information.

3. You may use Points to make purchases at certain retailers listed on our website. You need to indicate at the time of purchase that you wish to Pay with Points. Individual retailers provide specific delivery and refund polices. Refund policies for Pay with Points retail Partners are subject to the Terms and Conditions of the retail Partner. The retailers’ conditions and refund policies may be amended by the retailers from time to time.

4. Cover Charges with Points. For each successful transaction with covered with points, points will be debited from your Membership Rewards account and a credit placed on your Card in line with the points chosen to be used for the Eligible Charge. A minimum of 1,000 Membership Rewards points is required to cover any eligible transaction with points. Any credit to your Card account cannot exceed the amount of the relevant Eligible Charges. A credit will appear on your statement identified as “Membership Rewards Credit”. Points will be debited immediately and the credit will take up to 3 business days to appear online. Credits processed after the Card account’s statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card account by the due date. Any charges covered by points is not redeemable for cash via Credit balance refund. American Express will select and display each eligible charge that can be covered with points (“Eligible Charge”) and the points rate required to cover the Eligible Charge. Each Eligible Charge must: (a) appear within the Online Statement of the Summary of Accounts page; (b) be redeemed within 2 months of the charge appearing on your Card account; (c) not currently or have previously been disputed; and (d) not be a fee. Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any time without notice. Eligible transactions can be covered by points via your online account or American Express mobile app. Covering charges with points is available only to Basic Cardmembers enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing.

5. Gift Cards. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of minimum 3 years from the date of issue, unless otherwise stated. We are not responsible if any Gift Card is lost, stolen, or destroyed, or the Gift Card is used without your permission. Membership Reward terms and conditions apply. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details.

6. Additional Card Members.
Additional Card Members must be 16 years of age or over. The Primary Card Member will be liable to pay for all transactions made by Additional Card Members. Earning of points is subject to the terms and conditions of the Rewards Program the Primary Card Member is actively enrolled. All points earned on Additional Card Member spend will go to the Primary Card Members Account. The Primary Card Member cannot add an Additional Card under their own name or email address and cannot add an Additional card under the name or email address of a previously approved Additional Card application on the Account.

7. American Express approval criteria applies. Participation in the 'Refer A Friend' program is subject to eligibility deemed by American Express. All information is correct as at 8 May 2025 and is subject to change. This offer is only available to those who reside in Australia. ^®Registered Trademark of American Express Company.

Don't Spam!
American Express discourages spamming. You should only send referral messages to friends and family who genuinely want to receive them. By participating in 'Refer a Friend', you agree to these 'Refer a Friend' terms and conditions:

• Friend: For the purpose of these terms and conditions, the term ‘Friend’ means:
  • For American Express Consumer Card referrals, individuals that are your friends, family or close associates; and
  • For American Express Business Card referrals, entities that are known to you including companies, partnerships and sole proprietors that hold an active Australian Business Number (ABN).
  • For the avoidance of doubt, if you already have an American Express Card, you are prohibited from referring yourself for any American Express Card.
• Only Friends & Family: You must only send referral messages to close friends and family. Do not market or promote this offer through paid advertising channels or to the public at large (i.e. on public blog sites, search engines or in sponsored ads).
• Ask Their Permission First: You must ask the person for their permission to send them an email about your Card product. Sending emails to people without consent is considered spam.
• We encourage fair usage of this referral program and so limit the number of individuals who can apply using your referral link. This is capped at 25 in any 30-day period. The amount of Bonus Points you may receive under the 'Refer a Friend' program for Personal Cards is capped at 200,000 points per year. The amount of Bonus Points you may receive under the 'Refer a Friend' program for Business Cards is capped at 10,000,000 points per year.
• Your friend must apply from the referral link we have given you. If your friend applies from a separate link or applies independently (i.e. if they visit americanexpress.com directly) you will not receive your points.
• You will only receive points if your friend's Card application is approved (in accordance with our usual Card application processes and assessments). Note: We will not tell you if your friend's Card application is approved or declined for privacy and confidentiality reasons.
• Your friend may not receive any points if they hold or have previously held any Card product issued by American Express Australia Limited in the past 18 months.
• You must be enrolled in the relevant rewards loyalty program to receive Bonus Points.
• It may take 8 to 10 weeks to be credited Bonus Points if you are successful.

Why should I comply?
Any violation, abuse or failure to comply with these 'Refer a Friend' Terms and Conditions including, sending emails to individuals with whom you have no business, personal or family relationship, referring yourself, and efforts to bypass, manipulate, obscure or otherwise modify the delivery and accurate presentation of the referral link, sharing tools, content, disclosures, instructions or other materials we provide will be considered a breach of these Terms and Conditions and make you ineligible for any referral bonus, reverse any referral bonus awarded, and may result in your termination from the ‘Refer a Friend’ program and cancellation of your Card Account.

For full terms and conditions for your Card product please log in here

8. Points for Credit: The redemption of Points for a credit to your Card (Points for Credit) will be administered by us within three business days and cannot be reversed. Amounts credited will appear on the first monthly statement following redemption. If you hold multiple Cards linked to the one Membership Rewards Account, the Points for Credit redemption will automatically be credited to the Primary Account only. Points may be redeemed by the Card Member for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Card Member’s other accounts with American Express are not in good standing.

9. Transferring Points. Subject to the Terms and Conditions of the Membership Rewards program available at https://www.americanexpress.com/en-au/rewards/membership-rewards/terms. To transfer Membership Rewards points into an Airline or Frequent Guest Partner Program you must be a member of the Partner Program. Membership of the Partner Program is the Card Members responsibility and is subject to the terms and conditions of the applicable Program. A joining fee may apply. Award seats are not available on all routes. Please check availability with the Partner prior to transferring your points. Charges/levies/taxes may apply. The redemption of points will be administered solely by American Express. A minimum transfer amount applies. Points transferred to Partner Airlines are not reversible and American Express holds no responsibility for flight or accommodation availability, which may be limited. This is at the sole discretion of the Airline and Hotel Partners.

10. American Express Travel Online. You can redeem points for prepaid travel of a nominated value through American Express Travel Online with the point-of-purchase redemption capability. Travel bookings using points may be made for any person, provided all your Accounts are kept in good standing and are not overdue. All travel bookings are subject to availability. Subject to the American Express Travel Online standard booking Terms and Conditions.

11. If you do become a victim of fraud, our Fraud Protection Guarantee means you won’t be held responsible for any fraudulent charges, provided you’ve taken reasonable care to protect your Account details, PIN and any device you store your Account information on.

12. American Express Insurance. The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Card to pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read your American Express Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.