Existing Amex-issued credit and charge card customers applying for a new card from American Express now ineligible for bonus points, with one exception

American Express have reverted their previous change from November last year which allowed some of their existing cardholders to be eligible for bonuses for picking up a new card – now previous cardholders won’t be eligible for offer bonuses once again – but with one key exception.


Update as of 4th May 2017: Given some confusion due to conflicting info received from Amex by some readers, I reached out to American Express to ask for some clarity on the revised policies, which has been added as a comment below.

This states:

  • Effective 1st April 2017, American Express card members who currently hold or who have previously held any Consumer or Small Business Card product in the previous 18 month period are ineligible for Welcome offers. This includes Consumer Charge, Consumer Credit and Small Business Cards.
  • David Jones American Express Cards are excluded, which means DJ Card members can apply for other Consumer or Small Business Cards and will receive the Welcome Bonus and vice versa as long as they don’t also hold or have held the other Card type in past 18 months.
  • Any card members that hold or have held any Bank-Issued companion Amex Cards (ANZ / NAB / CBA / Westpac) are eligible for Welcome Bonuses.

Hopefully that adds some clarity and the messaging coming out of American Express customer service reflect these new policies clearly from here out.


Remember that these terms changes apply only to existing holders of American Express issued cards only – if you only hold an American Express issued by a bank such as ANZ or Westpac, that won’t affect your eligibility for points bonuses. We have more on bank-issued vs American Express-issued cards here.

The general offer wording from Amex now reads:

Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer.

Compare that to some of the wording previously used below, and you can see that this has expanded – credit card holders can no longer apply for a business card and receive a points bonus, for example.

The key exception are the David Jones card range, which has unique offer terms and have been added below to clarify eligibility for bonuses on those cards:

Customers applying for the David Jones American Express Platinum Staff Card or Card Members who currently hold or who have previously held the David Jones American Express Platinum Card in the preceding 18 month period are ineligible for this offer.

This means existing American Express-issued cardholders should be eligible for bonuses on the David Jones American Express and David Jones Platinum cards.

Remember that these apply to existing holders of American Express issued cards only – if you only hold an American Express issued by a bank such as ANZ or Westpac, that won’t affect your eligibility for points bonuses.


How did this previously work?

American Express made a change to their offer terms and conditions which ensured that some cardholders who wouldn’t have previously been eligible for bonus points on new cards were then able to earn the bonus.

In short, the change allowed existing credit card holders to earn points for charge card applications, and vice versa – as long as they don’t already hold a card of the type being applied for (credit or charge) – and haven’t in the previous 18 months.

The other change was that Personal and Business cards were also been separated, allowing holders of Personal cards to be eligible for points bonuses on Business cards, and vice versa.

The terms and conditions on offers for all American Express-issued cards used to read (emphasis mine):

For Personal Credit Card offers:

  • Card Members who currently hold or who have previously held any other Consumer Credit Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer.

For Personal Charge Card offers:

  • Card Members who currently hold or who have previously held any other Consumer Charge Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer.

For Business Card offers:

  • Card Members who currently hold or who have previously held any other Small Business Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer.
Existing Amex-issued credit and charge card customers applying for a new card from American Express now ineligible for bonus points, with one exception was last modified: May 29th, 2017 by Keith