American ExpressAmerican Express® Personal Card
Charge Card with Membership Rewards
At a glance
- Pricing
- Rates on application
- Annual fee
- $45
- Foreign transaction fee
- 3.50%
- Rewards
- Membership Rewards
Fees
8 fees published, grouped by when they're charged.
While you hold it2
- Additional Card Fee
Applies to all 99 Additional Cards
$45 a year - Annual Fee$80 a year
When you make a transaction2
- Over The Counter Fee
$3 Payable if you pay your Card Account in person at Australia Post by EFTPOS.
$3 - Currency Conversion Fee
3.5% of the converted amount. Payable when any charge is processed in a currency other than Australian dollars.
3.50% of transaction
When particular things happen4
- Additional Statement Fee
Payable if you or an Additional Card Member requests an additional posted monthly paper statement. You may access statements free of charge through your online Account.
$10 - 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.
$6 - Late Payment Fee
Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount.
3.00% of balance - 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
$7
Features
- Whether it's shopping, dining, travel or entertainment, eligible Card Members can access Amex Offers providing statement credits or bonus points. Amex Offers must be saved to the Card and used for qu…
- Get pre-sale tickets and access to some of your favourite events, and enjoy the Amex Entertainment Lounge before the show at select venues. With Amex, you can dive into unforgettable experiences.
- Up to 44 days to pay for purchases.
- Your Green Card has flexible spending power, also known as no pre-set spending limit, because it is a Charge Card
Eligibility and limits
- Minimum age 18
- Residency: You are an Australian citizen or permanent resident or hold a long term visa.
- Available to individuals
- Additional Cards are available for any friend or family member 16 years and over.
- 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.
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Published by American Express under the Consumer Data Right, last changed by them on 8 July 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.