1.25 points per $ on purchases (except Government spend).
1 point per $ on Government spend.
Up to 4 free additional cards for your family or friends.
No points cap regardless of your monthly spend.
Flexibility to pay charges with points (1000 points = $5) on statement.
Transfer points to 9 airlines programs
- Virgin Australia Velocity Frequent Flyer
- Singapore Airlines KrisFlyer
- Cathay Pacific Asia MilesTM
- Emirates Skywards
- Etihad Guest
- THAI Royal Orchid Plus
- Malaysia Airlines Enrich
- Air New Zealand AirpointsTM
- Virgin Atlantic Flying Club
Flexibility to redeem purchases at David Jones online, Ticketmaster, gift cards or travel services at Amex Travel and partners.
Eligible for Amex Cashback offers and Shop Small promotions.
American Express Invites – to sought-after events, including music, theatre and film, often before tickets go on sale to the general public
Smartphone Screen Insurance for screen repairs if you accidentally break your Smartphone screen. We will reimburse you for the cost of the screen repair up to $500 with a 10% excess per claim.
Purchase Protection - if an item is stolen or breaks within 90 days of purchase, it can be repaired or refunded up to $2,500 per claim, up to $10,000 per year and with a $50 excess per claim.
Buyer’s Advantage – extends the manufacturer’s warranty by up to 12 months for up to $7,000 per claim and $7,000 per year, with no excess.
Refund Protection - if you have a change of heart and are refused a refund on an unused item within 90 days of purchase, you will be reimbursed for up to $500 per claim and $2,000 per year, with no excess.
Balance transfers 0% p.a. for the first 12 months - A one-off establishment fee of 3% applies.
Eligible for use with Apple Pay, Samsung Pay and Android Pay.
Eligibility criteria: annual income of $40,000 or more.
Reward percentages - when paying with points or redeeming supermarket gift cards:
Amex Essential : 0.625% (generally 1.25pts/$, 1000pt=$5 credit)
cf. Qantas Discovery - via Qantas AutoRewards : 0.5% ($20 for 3000 Qantas points), redeem supermarket egift card : 0.395%