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.
There are updated points bonuses available for existing cardholders, 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.
This guide is brought to you thanks to an advertising sponsorship with American Express.
Our picks for existing cardholders?
- 30,000 Qantas Points for referrals made by Qantas Ultimate cardholders
- 30,000 Membership Rewards Gateway points for referrals made by American Express Explorer cardholders
- 30,000 Velocity points for referrals made by Velocity Platinum cardholders
- 30,000 Membership Rewards Ascent Points for referrals made by American Express Platinum Charge cardholders
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.
Referral bonus offers (starting 6th November 2017):
|Card||Points Currency||Points for Cardholder||Points for Applicant|
|Qantas Discovery||Qantas Points||10,000||-|
|Velocity Escape||Velocity Points||15,000||-|
|Platinum Edge||Membership Rewards||15,000||10,000|
|Qantas Premium||Qantas Points||20,000||40,000|
|David Jones||Membership Rewards||20,000||30,000|
|Qantas Ultimate||Qantas Points||30,000||65,000|
|Velocity Platinum||Velocity Points||30,000||60,000|
|David Jones Platinum||Membership Rewards||30,000||50,000|
|Platinum Charge||Membership Rewards||30,000||90,000|
Updated as of 17th October 2017
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.
Disclosure: American Express is a Point Hacks site sponsor. This guide is brought to you with support from American Express.
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Guide for the American Express Referral Program – where to start
As of this month, Amex has opened up the program to allow you to refer a different card from the one you hold is possible now 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, Centuion, 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.
- Head over to the Amex referral program to generate your own link.
- 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.
If you hold a bank-issued American Express – such as from Westpac, Commonwealth Bank or NAB – that won’t affect whether you’re eligible for bonus points with an American Express branded card offer. There’s more in our guide to this here.
However American Express don’t allow existing cardholders, even for different types of American Express cards (e.g. Charge, Credit or Business) to be eligible for bonus points offers for cards in a different family.
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.