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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.
| Card | Current offer | Min. spend | Annual fee | Earn rate | Estimated points | Benefits | Apply |
|---|---|---|---|---|---|---|---|
 American Express Essential Rewards Credit Card | Earn 30,000 Membership Rewards Bonus Points* when you spend $3,000 on eligible purchases within 3 months of the approval date. (T&Cs apply. New Amex Card Members only.) The Card earns up to 5 points per $1 spent for the first 10,000 points per month and has a range of insurance options for consumers (Mobile, Card Purchase, Card Refund, Buyer's Advantage), all for $9 per month. Use Membership Rewards Points for gift cards, to cover charges, or transfer to over 10 airline and hotel partners for maximum value. Monthly fee is $9.
Offer ends 31 Mar 35 | $3,000 | $108 | 5 points per $1 spent on eligible eats & drinks purchases in Australia, 3 points per $1 spent on selected streaming subscriptions in Australia, 2 points per $1 spent at selected major retailers in Australia and 1 point per $1 spent on everything else including government spend | 54,000 | <ul> <li>30,000 Bonus Membership Rewards Points*</li> <li>Complimentary insurances</li> <li>$9 per month fee</li> </ul> | Find out more & Apply |
 American Express Explorer Credit Card | Earn 75,000 Bonus Membership Rewards Points¹ when you apply by 3 November 2026, are approved and spend $4,000 on eligible purchases on your new American Express Explorer® Credit Card within the first 3 months of approval. (T&Cs apply. New American Express Card Members only). Offer ends 3 Nov 26 | $4,000 | $395 | Earn 2 Membership Rewards points per $1 on all purchases except government bodies where you will earn 1 point per $1 spent⁶ | 123,000 | <ul> <li>75,000 Bonus MR Points¹</li> <li>$400 annual travel credit²</li> <li>$395 p.a. annual fee</li> </ul> | Find out more & Apply |
 American Express® Business Gold Plus Card | Earn 250,000 Bonus Membership Rewards® Points¹ when you apply by 3 November 2026, are approved and spend $5,000 on eligible purchases on your new American Express® Business Gold Plus Card within 3 months of your approval date. T&Cs apply. Available for new American Express Card Members only. Offer ends 3 Nov 26 | $5,000 | $395 | Earn 3 points per $1 spent at Xero, Google Ads, Meta, Amazon Web Services and Dell⁵, Earn 2 points per $1 spent with AccessLine®. Subject to approval. Enrolment required⁵, Earn 1.5 points per $1 spent on everyday spend, plus 1 point per $1 spent with government bodies, including the ATO⁵, Accelerated earn rates apply on the first 200,000 points earned per calendar year, then you will earn 1 point per $1 spend across all categories, uncapped and with no expiry¹¹ | 286,000 | <ul> <li>250,000 Bonus Membership Rewards Points¹</li> <li>Earn points on eligible business spend</li> <li>$395 p.a. annual fee</li> </ul> | Find out more & Apply |
 American Express® Platinum Business Card | Earn 350,000 Bonus Membership Rewards® Points + $875 Credit¹ when you apply by 3 November 2026, are approved and spend $12,000 on eligible purchases on your new American Express® Platinum Business Card within 3 months of your approval date. T&Cs apply. Available for new American Express Card Members only. Offer ends 3 Nov 26 | $12,000 | $1,750 | Earn 2.25 Membership Rewards points per $1 on all eligible business purchases, except for spend with government bodies, for which you will earn 1 point per $1 spent | 54,000 | <ul> <li>350,000 Bonus MR Points + $875 Credits¹</li> <li>$1,750 p.a. annual fee</li> <li>Unlimited lounge access</li> </ul> | Find out more & Apply |
 American Express Platinum Card | Earn 200,000 Bonus Membership Rewards Points when you apply by 3 November 2026, are approved and spend $5,000 on eligible purchases on your new American Express Platinum Card within the first 3 months. Plus, an additional 100,000 bonus Membership Rewards Points when you spend a further $5,000 on eligible purchases within the first 3 months of your second year Card Membership. Offer available to new American Express Card members only. T&Cs apply. Offer ends 3 Nov 26 | $5,000 | $1,450 | Earn 2.25 Membership Rewards points per $1 on all eligible purchases, except for spend with government bodies, for which you will earn 1 point per $1 spent | 254,000 | <ul> <li>Up to 300,000 Bonus MR points¹</li> <li>Unlimited lounge access⁶</li> <li>Annual $450 Travel Credit⁵</li> </ul> | Find out more & Apply |
 American Express Qantas Business Rewards | Earn 150,000 bonus Qantas Points + $200 QBR Travel Fund¹ when you apply by 10 November 2026, are approved and spend $6,000 on eligible purchases on your new American Express® Qantas Business Rewards Card within 3 months of your approval date. New Amex Card Members only. T&Cs apply. Offer ends 10 Nov 26 | $6,000 | $450 | Earn up to 4 Qantas Points per $1 spent. You’ll earn 2 Qantas Points per $1 on Qantas products and services, plus 2 bonus Qantas Points per $1 on eligible Qantas flights once flown. You’ll also earn 1.25 Qantas Points per $1 on everyday business purchases and 0.5 Qantas Points per $1 on government charges., After a total of 500,000 Qantas Points is earned in a calendar year, the everyday business earn rate will change from 1.25 to 0.75 Qantas Points per $1 spent. | 180,000 | <ul> <li>150,000 bonus Qantas Points + $200 QBR Travel Fund¹</li> <li>2 domestic Qantas Club Complimentary Lounge Invitations each year</li> <li>$450 annual fee</li> </ul> | Find out more & Apply |
 Qantas American Express Ultimate | Earn 70,000 bonus Qantas Points¹ with the Qantas American Express Ultimate Card when you apply online by 17 November 2026, are approved, and spend $5,000 in the first 3 months. Plus, an additional 50,000 bonus Qantas Points when you spend a further $5,000 on eligible purchases within the first 3 months of your second year Card Membership. New Amex Card Members only. T&Cs apply. Offer ends 17 Nov 26 | $5,000 | $450 | 1.25 Qantas Points earned per $1 on eligible everyday purchases, 2.25 Qantas Points per $1 spent on selected Qantas products and services in Australia, 0.5 Qantas Point per $1 at government bodies in Australia, After a total of 100,000 Qantas Points is earned in a calendar year, the everyday earn rate will change from 1.25 to 1 Qantas Point per $1 spent. | 100,000 | <ul> <li>Up to 120,000 bonus Qantas Points¹</li> <li>$450 Qantas Travel Credit per year³</li> <li>$450 p.a. annual fee</li> </ul> | Find out more & Apply |
 American Express Velocity Business | Earn 120,000 bonus Velocity Points¹ when you apply by 19 January 2027, are approved and spend $6,000 on eligible purchases on your new American Express® Velocity Business Card within 3 months of your approval date. T&Cs apply. Only available to new Card Members who have not held any American Express® Card within the last 18 months. Offer ends 19 Jan 27 | $6,000 | $249 | 1 Velocity Point per $1 spent on eligible everyday business purchases and 2 Velocity Points per $1 spent with Virgin Australia | 144,000 | <ul> <li>120,000 bonus Velocity Points¹</li> <li>Complimentary Travel Insurance</li> <li>$249 p.a. annual fee</li> </ul> | Find out more & Apply |
 American Express Velocity Escape Plus | The American Express Velocity Escape Plus Card has 20,000 Velocity Points welcome bonus¹ on offer for new American Express Card Members who apply by 25 May 2027, are approved and spend $3,000 or more on eligible purchases within the first 3 months from approval. The Card is aimed at budget-conscious points-hunters and earns Velocity Points on eligible spend with a $95 Annual Fee. Offer available to new American Express Members only. T&Cs apply. Offer ends 25 May 27 | $3,000 | $95 | 1.75 Velocity Points per $1 spent on eligible Virgin Australia purchases³, 1 Velocity Point per $1 on eligible everyday purchases³, 0.5 Velocity Points per $1 on government bodies in Australia, including Australia Post and the Australian Tax Office³, After a total of 12,000 Velocity Points is earned on your Velocity Escape Plus Card Account in a calendar year, your everyday earn rate will change from 1 to 0.75 Velocity Points per $1 spent on everyday purchases | 44,000 | <ul> <li>20,000 bonus Velocity Points¹</li> <li>$95 p.a. Annual Fee</li> </ul> | Find out more & Apply |
 American Express Velocity Platinum | Earn 50,000 Velocity Points¹ when you apply for the American Express Velocity Platinum, are approved, and spend $5,000 in the first 3 months. The card earns Velocity Points on spend and includes complimentary Virgin Australia Lounge Access every time you fly with Virgin Australia. New Amex Card Members only. T&Cs apply. Offer ends 31 Dec 30 | $5,000 | $440 | 1.25 Velocity Points earned per $1 on all eligible spend except for government bodies², 2.25 Velocity Points per $1 spent on selected Virgin Australia purchases², 0.5 Velocity Points per $1 on Government spend² | 80,000 | <ul> <li>50,000 bonus Velocity Points¹</li> <li>Virgin Australia Lounge Access</li> </ul> | Find out more & Apply |
 American Express Platinum Edge | The American Express Platinum Edge Card is offering $0 annual Card Fee (usually $195) in the first year for new Card Members. The card comes with a $200 travel credit each year it is renewed, Smartphone Screen Cover and earns 3 points per $1 at major supermarkets and petrol stations, and 2 points per $1 on overseas spend. Offer ends 31 Dec 30 | $0 | $195 | 3 Membership Rewards points earned per $1 spent at major supermarkets and petrol stations, 2 Membership Rewards points earned per $1 on overseas spend, 1 Membership Rewards point per $1 spent everywhere else including ATO, other government charges and utilities | 24,000 | <ul><li>$200 travel credit per year</li><li>Smartphone Screen Cover</li><li>$0 first year annual Card Fee</li></ul> | Offer Currently Not Available |
 Qantas American Express Discovery | The Qantas American Express Discovery is a great value entry-level Qantas card, with $0 Annual Fee, and offers an earn rate of up to 1.75 Qantas Points per $1 on spend. Offer ends 31 Oct 30 | $0 | $0 | 0.75 Qantas Points per $1 spent on eligible purchases, 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia, 0.5 Qantas Points per $1 spent at government bodies in Australia, No cap on earn rate | 18,000 | <ul><li>Earn Qantas Points on spend</li><li>$0 Annual Fee</li></ul> | Offer Currently Not Available |
 Qantas American Express Premium | The Qantas American Express Premium Card has 20,000 bonus Qantas Points on offer for new American Express Card Members who apply online, are approved, and spend $3,000 on your new Card within the first 3 months of approval date. The card comes with 2 Qantas Club Complimentary Lounge invitations after eligible Qantas spend each Card Member year and earns up to 2 Qantas Points per $ on eligible purchases. Offer ends 22 Jul 30 | $3,000 | $249 | 1 Qantas Point earned per $1 spent on eligible purchases, 1 additional Qantas Point per $1 on selected Qantas products and services in Australia, 0.5 Qantas Points per $1 spent at government bodies in Australia | 44,000 | <ul> <li>20,000 bonus Qantas Points</li> <li>2 Qantas Club Complimentary Lounge invitations after eligible Qantas spend</li> <li>$249 p.a. annual fee</li> </ul> | Offer Currently Not Available |
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.
