The American Express Essential® Rewards Credit Card

Key facts

Annual fee

A$108

Purchase APR

23.99% p.a. on purchases 2

Network

AMEX

Welcome offer

Receive 30,000 Bonus Membership Rewards® Points 1 when you apply online, are approved, and spend $3,000 on eligible purchases on your new American Express Essential® Rewards Credit Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.​

Benefits and perks

• Smartphone Screen Cover. Covering up to $500 for repairs if you break your screen when you pay for your phone outright or monthly bill with your American Express Credit Card. A 10% excess applies to the claimed amount. 5
• Additional Cards at no extra cost. Share the benefits of Membership with up to 4 Additional Cards for family members or friends, at no extra fee 5
• How You Earn Membership Rewards Points. From your morning coffee or night out with friends to that weekend retail therapy, earn points for every dollar you spend on your Card:
• Choose Your Rewards. Use points for your next travel adventure, special gift, must-have purchase or unforgettable experience:
• Card Purchase Cover. When you make a purchase on your American Express Essential Rewards Card, you can be reimbursed for up to 90 days from the date of purchase if the eligible item is stolen or accidentally damaged 5.
• Card Refund Cover. Card Refund Cover can help if you’re having trouble getting a refund for an eligible item purchased within 90 days on your eligible American Express Essential Rewards Card 5.
• Buyer’s Advantage Cover. If your warranty has run out just as you need it, Buyer’s Advantage Cover may have you covered. With the American Express Essential Rewards Card, you could enjoy an extended manufacturer’s warranty of up to 12 months for eligible purchases made on your Card 5.
• Smartphone Front Screen Cover. Accidentally broke the screen on your phone? You can be reimbursed for the cost of the screen repair up to $500 for two events a year. A 10% excess applies to the claimed amount. Waiting periods may apply 5.
• Emergency Card Replacement 14. If your Card or Additional Card gets lost, damaged or stolen, call the number on the back of your Card and we’ll arrange to get you a replacement Card. If you are travelling, we’ll work with your itinerary to get a Card to you as soon as possible. We’ve got your back, virtually anywhere you are in the world, 24/7.
• When you need funds without the fuss, you’ll find American Express offers a range of flexible payment solutions. Plan It® is a feature on your American Express Credit Card that allows you to pay off eligible transactions over $100 or a portion of your balance in equal monthly instalments. Choose between 3, 6 and 12 month terms, with no interest and a fixed monthly fee 6.
• Up to 55 days interest free on purchases when you pay your closing balance in full.

Questions about the The American Express Essential® Rewards Credit Card