American Express Essential® Rewards Credit Card
Expect extra with the American Express Essential Rewards Credit Card.
- Purchase rate
- 23.99%
- Annual fee
- $9.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase Interest rate applied to outstanding balances not paid in full by the due date. | 23.99% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Annual Fee Charged monthly | Ongoing | $9.00 |
| Additional Card Fee Charged yearly · Applies to the first 4 Additional Cards | Ongoing | $0.00 |
| Late Payment Fee | Event | $30.00 |
| Currency Conversion Fee 3.5% of the converted amount. Payable when any charge is processed in a currency other than Australian dollars. | Purchase | 3.5% of transaction |
| Dishonour Fee $6 for each dishonour or debit rejection. Payable if there aren’t enough funds in your nominated account to pay the Card Account or if the whole or part of a payment by direct debit is rejected. | Event | $6.00 |
| Over The Counter Fee $3 Payable if you pay your Card Account in person at Australia Post by EFTPOS. | Payment | $3.00 |
| Record of Charge Fee $7 for charges in Australia, $10 for other charges |
Features
- Additional cards — up to 4
- Add up to 4 Cards at no additional fee.
- Bill payment (BPAY) — Ways to pay your bill
- Bonus rewards — New Card Member Offer
- Digital banking — Amex App
- The Amex App lets you quickly and easily manage your Card Account anytime, anywhere.
- Digital wallet — Apple Pay
- Digital wallet — Google Pay
- Digital wallet — Samsung Pay
Eligibility
- Minimum age — 18 years
- Residency status — You are an Australian citizen or permanent resident or hold a long term visa.Long term visa means 12 months or more and does not include a student visa.
- Additional Cards are available for any friend or family member 16 years and over.
- Individuals only
- Applications are assessed based on the information provided and are subject to credit approval.
Constraints
- Minimum limit — $2,000.00
More Information
Published by American Express under the Consumer Data Right · Last updated 8 July 2026 · Product ID 1900b334-218c-4285-b5a2-b59d1ecb3bb1