American Express Essential® Rewards Credit Card
The American Express Essential Rewards® Credit Card is a low-fee rewards Card. It features accelerated points on everyday Australian spending and includes a low $9 monthly fee ($108 per year), making it an excellent option for maximising everyday purchases.
Points & Rewards Earn Rates
Take a closer look at how rewards are earned on everyday spending categories. From your morning coffee or night out with friends to that weekend retail therapy, earn points for every eligible dollar you spend on your Card:
- Earn up to 5 points on your first 10,000 points per month and then continue earning 1 point per $1 spent after that.
- 5 points per $1 spent eligible eats & drinks purchases in Australia including Guzman Y Gomez, McDonald’s, Starbucks, Boost Juice and more
- 3 points per $1 spent on selected streaming subscriptions in Australia including Spotify, Netflix, Disney+, Binge, Kayo Sports, Stan, and Amazon Prime.
- 2 points per $1 spent at selected major retailers in Australia including The Iconic, JB Hi-Fi, Kmart, Bunnings, Uniqlo, Amazon, Myer and Harvey Norman.
- 1 point per $1 spent on everything else
Boost your points balance further by adding up to 4 Additional Cards to your Account for family or friends, at no extra charge.
Key Benefits & Details
Interest-Free Days: Up to 55 days interest free to pay for purchases. T&Cs apply.
- Rewards and Benefits: Transfer your points to over 10 major partners across Airlines, Hotels and Retail. Transferring points to partners opens up endless travel options, giving you and your loved ones the freedom to explore exciting new destinations together. T&Cs apply
- Elevate your experiences with Amex: Enjoy elevated benefits like Presale and reserved tickets, complimentary drink vouchers, dedicated entrances, Card Member only Entertainment Lounges and other perks that are unique to each location.
- Purchase Rate: 23.99% p.a.
- 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. T&Cs apply
- Smartphone 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. T&Cs apply.
To see the full terms, check your eligibility, or apply, you can visit the American Express Essential Rewards Credit Card page directly.
Posted Jun 30, 2026, 2:54 AM UTC · locked