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3 credit card perks to help you live your best life

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Looking to get rewarded for your everyday spend? We show you how the American Express Essential Rewards Credit Card can help.

American Express logoSponsored by American Express. Make living your best life go further with the Amex Essential Rewards® Credit Card.

Exclusive Partner Offer: Receive 60,000 Membership Rewards® Bonus Points when you apply online through the link on this page by 3 December 2024, are approved and spend $3,000 on eligible purchases on your new American Express Essential® Rewards Credit Card within the first 3 months. Visit the link here to find out more.

T&Cs apply. New American Express Card Members only.

When you pick a credit card, it's important to look for one that has the right perks.

The American Express Essential Rewards Credit Card allows you to score a range of benefits as a Card Member.

1. Earn Points rapidly

Some Cards will reward you with points for spending in ways that suit your lifestyle.

For example, the American Express Essential Rewards Credit Card is designed to reward people who enjoy regularly eating out and shopping.

  • 5x Membership Rewards points per $1 spent in eligible restaurants, cafes, bars and selected food delivery in Australia.1
  • 3x Membership Rewards points per $1 spent on selected streaming subscriptions in Australia.1
  • 2x Membership Rewards points per $1 spent with selected major retailers in Australia.1

These earn rates will apply to the first 10,000 points you earn each month. After this, you'll earn 1 Point per $1 spent on eligible purchases (monthly thresholds and T&Cs apply)

Apply today

At the moment, there is an exclusive offer for new Amex Card Members that apply for the American Express Essential Rewards Credit Card online via the link on this page.

You can receive 60,000 Membership Rewards Bonus Points when you apply via the link on this page by 3 December 2024 and spend $3,000 within the first 3 months.

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Learn how the American Express Essential Rewards Credit Card can work for you today

But what about redeeming them?

Well, you've got a range of options available. You're able to use your Membership Rewards points for a range of travel rewards redeemable through Amex Travel, such as plane tickets or flight upgrades.2

You're also able to purchase gift vouchers with your points from a number of leading retailers.3 Membership Rewards points can also be used to cover eligible purchases on your account, via the Select + Pay function.4

Being able to earn Points more rapidly means that you can also reward yourself sooner.


2. Exclusive insider access

One of the big advantages of holding an American Express Essential Rewards Card is that you're able to enjoy access to some of the best experiences in live music, sports, theatre and more.

Not to mention Entertainment Lounge Access at a range of venue partners across Australia!

For example, American Express Card Members at the recent Vogue American Express Fashion's Night Out got access to special Card Member offers.


3. Get access to more flexible payment solutions

Ordinarily, the American Express Essential Rewards Credit Card gives you 55 days to pay.5

But if you're looking for a more extended period to pay for your purchases, there's also the Plan It Instalments Card feature. This Card feature allows you to pay off transactions in equal monthly instalments.

You can pay for larger purchases over a 3, 6 or 12 month period. Now, there is a set monthly fee – but it's also a 0% interest rate.6

This can help you manage the cost of big-ticket purchases, without worrying about excess interest expenses.


Learn more about becoming an American Express Essential Rewards Credit Card Member today

Name Bonus points Points per $ spent Purchase rate p.a. Annual fee
American Express Essential Rewards Credit Card
American Express Essential Rewards Credit Card image
Membership Rewards
Bonus points
60,000
Points per $ spent
1
Purchase rate p.a.
23.99%
Annual fee
$108
Go to siteMore Info
Partner exclusive. Offers 60,000 Bonus Membership Rewards Points when you apply online through the link and spend at least $3,000 on eligible purchases within the first 3 months.
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