Qantas
Velocity
American Express
ANZ
MyCard
NAB
Westpac
American Express offers a range of credit cards that can either earn frequent flyer points directly, or can transfer points earned from Amex’s own Membership Rewards program into a partner frequent flyer program.
Through Membership Rewards, eligible Card Members can transfer points on-demand to a host of partner airlines, as well as to participating hotel loyalty programs. For instance, Card Members can convert points from Membership Rewards into partner programs such as Singapore Airlines KrisFlyer, Virgin Australia Velocity, Cathay (Asia Miles), Qatar Airways Privilege Club, Marriott Bonvoy, and more.
Frequently Asked Questions
American Express issues its own cards, which allows it to offer richer rewards, premium perks, and strong customer service. While Amex isn’t accepted everywhere, it’s widely used in Australia and excels in travel, dining, and lifestyle benefits.
Yes, Amex is accepted at most major retailers and service providers across Australia. It’s especially rewarding for supermarket, petrol, dining, and travel spend. For places that don’t take Amex, you can carry a backup Visa or Mastercard.
You earn points on eligible everyday purchases. These can be redeemed for flights, hotels, gift cards, or transferred to frequent flyer programs like Velocity, KrisFlyer, Asia Miles and more. Flexibility is a major Amex advantage.
Cards like the Qantas American Express Ultimate and Velocity Platinum allow you to earn points directly into your chosen airline program. If you prefer flexible options, opt for Membership Rewards cards and transfer points later.
Bonus points are once-off offers for meeting minimum spend (e.g. 100,000 points after $3,000 in 3 months). Ongoing earn rates are what you earn every time you spend (e.g. 2 points per $1 on supermarkets or travel).
You’re generally ineligible if you’ve held a similar Amex-issued card in the past 12–18 months. Each offer has specific eligibility rules—check the terms on our site or the card issuer’s page.
Amex cards often have higher annual fees, but these are offset by travel credits, lounge access, bonus points, and insurance. Use our Card Value Calculator to work out whether the benefits outweigh the cost based on your spend.
Yes. Many Point Hackers hold a primary Amex for points and perks, and a backup Visa/Mastercard for wider acceptance. Just check your eligibility and credit profile before applying for multiple cards.
The American Express Platinum Card offers unmatched benefits like unlimited airport lounge access (including Centurion Lounges), elite hotel status, and generous travel credits. It’s ideal for high spenders who travel frequently.
Focus your spending on categories with bonus rates (e.g. supermarkets, travel), use the Amex Offers portal for cashback and discounts, and pay large bills (like insurance or tax) where points are awarded—even with a surcharge, the value may outweigh the cost.
