The American Express referral program is a simple way to gain some extra bonus points from your American Express credit card account by referring friends or family for their own new account by using a personalised referral link.

The program has been expanded to allow referrers to promote other American Express cards within the same ‘family’, beyond only the card they hold.

Anyone with a qualifying American Express-issued card can make use of the referral program to earn more points. In this guide, we run through how the referral program works.

Disclosure: American Express is a Point Hacks site sponsor. This guide is brought to you with support from American Express.

Potential applicants will, of course, need to meet the approval criteria for the cards they apply for, be approved, and apply through your link for you both to pick up the bonus points.

If you’re an existing cardholder we know you’ll want to share these, but please don’t add them as comments or posts to the Point Hacks community—we’d be inundated if everyone did this. Any added on the site will get removed.

Referral bonus offers

CardPoints CurrencyPoints for CardholderPoints for Applicant
David Jones American Express
David JonesMembership Rewards20,00030,000
David Jones PlatinumMembership Rewards30,00050,000
American Express Credit Cards
EssentialMembership Rewards15,000-
Platinum EdgeMembership Rewards15,00010,000
ExplorerMembership Rewards30,00060,000
American Express Charge Cards
Green ChargeMembership Rewards20,000120,000 (Platinum Charge) until 30 August
Gold ChargeMembership Rewards30,000120,000 (Platinum Charge) until 30 August
Platinum ChargeMembership Rewards30,000120,000 until 30 August
Velocity American Express
Velocity EscapeVelocity Points15,000-
Velocity PlatinumVelocity Points30,00060,000
Qantas American Express
Qantas DiscoveryQantas Points10,000-
Qantas PremiumQantas Points20,00040,000
Qantas UltimateQantas Points30,00065,000

Updated as of 15 August 2018.

Note that while you will receive your referral bonus points after the applicant has been approved, the applicant still needs to meet the minimum spend criteria to earn their own sign-up bonus. There are full terms that you should read as you go about creating your link for the full set of restrictions.

Guide for the American Express Referral Program – where to start

Amex has opened up the program to allow you to refer a different card from the one you hold with this program, with referrers able to refer new cardholders to a card within the same card family.

Here’s a list of the card families (note that not all of these cards are available to new cardholders):

  • Qantas: Qantas Discovery, Premium and Ultimate
  • Velocity: Velocity Escape, Gold and Platinum
  • Membership Rewards: Platinum Edge, Platinum Charge, Centurion, Gold Charge, Platinum Rewards, Platinum Reserve, Green Charge, Rewards Advantage in Membership Rewards Ascent, plus Explorer and Essential in Membership Rewards Gateway
  • David Jones: David Jones and David Jones Platinum

For example, a Qantas Discovery cardholder could now refer someone to apply for a Qantas Ultimate card, which previously wasn’t possible as only cards of a comparable fee-level could be referred.

As a ‘referrer’, you will receive the bonus points according to what card/product you hold. The new applicant will receive bonus points based on what card/product they applied for once they meet the minimum spend requirement.

How to generate your own referral link

American Express have a simple referral site to make it easier to share links amongst your family or friends.

  1. Head over to the Amex referral program to generate your own link.
  2. Once you’re in the referral portal, log in. You’ll then see the offers outlined that you can refer others to
  3. After that you’re given the option to copy or share the link.

Eligibility criteria for bonus points for existing American Express Card Members

American Express are quite specific about whether existing Card Members will be eligible for bonus points if they apply for a card, are approved, and meet the minimum spend criteria. You can read more about it in our guide.


If you’re a current cardholder, the referral program is unique to American Express, and is one of the less obvious ways you can easily bump up your points balance – recommend a good card to someone who you know is interested in earning points and you’ll get a decent kickback.

Guide to the American Express Referral Program was last modified: May 3rd, 2019 by Keith