American Express® Personal Card
Charge Card with Membership Rewards
- Annual fee
- $80.00
Fees
| Fee | Type | Amount |
|---|---|---|
| Annual Fee Charged yearly | Ongoing | $80.00 |
| Additional Card Fee Charged yearly · Applies to all 99 Additional Cards | Ongoing | $45.00 |
| Late Payment Fee Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount. | Event | 3% of balance |
| 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 Payable if you or an Additional Card Member requests a copy of an individual charge. $7 for charges in Australia, $10 for other charges |
Features
- Additional cards — up to 99
- $45 annual Additional Card fee per Card for up to 99 Cards.
- Bill payment (BPAY) — Ways to pay your bill
- 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
- Fraud protection
- Fraud Protection Guarantee, protecting you from unauthorised charges made on your Account.
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.
- Available only to existing American Express Card Members who transfer from an eligible American Express Card product. This product is not available for new applications.
More Information
Published by American Express under the Consumer Data Right · Last updated 8 July 2026 · Product ID 4badb9a2-8b47-4fad-bda8-3a78e6986d40