American Express Membership Rewards Credit Cards

Membership Rewards is the customer loyalty program for American Express credit card holders. The more you spend, the more Membership Rewards points you accrue. These membership rewards points can be redeemed for a wide variety of travel rewards, shopping rewards and entertainment rewards. Points can also be transferred to other loyalty programs such as Frequent Flyer and Hotel Rewards Frequent Guest programs, dependent on what reward programs you are a member of.

With the opportunity to transfer your American Express Membership Rewards points to one of 9 Airline Frequent Flyer Programs the America Express Credit Cards are a good option when you are not loyal to any one airline and prefer to have total flexibility on how or of you use your points with any of the available frequent Flyer Programs. The Airline Frequent Flyer Programs American Express currently partners with for points transfer are: Virgin Australia Velocity Frequent Flyer, Emirates Skywards, Etihad Guest, Virgin Atlantic Flying Club, Singapore Airlines KrisFlyer, Air New Zealand Airpoints, THAI Royal Orchid Plus, Malaysia Airlines Enrich and Cathay Pacific Asia Miles.

Earning points

There are many ways you may be able to maximise your points and make your Card work harder and smarter for you:

  • Look out for purchases that earn more than 1 point per dollar spent - some AMEX Cards earn up to 3 points per dollar depending on where you spend.
  • Use your AMEX Card to pay for regular items like bills, mobile, uber, or your gym membership.
  • Add a Supplementary Card Member and the points earned will be credited to the Primary Card Member’s account.
  • Refer a friend to American Express, and you could both earn Bonus Points.

Using points

There are lots of ways where you can get great value from the points you've earned:

  • Redeem points for travel with one of our travel partners.
  • Shop with points at David Jones and Ticketmaster.
  • Pay for purchases with points, or redeem your points for credit on your Account.
  • Use points for Gift Cards with major shopping, travel or entertainment retailers.
  • Transfer to participating Airline Reward Partner Programs (where eligible)

Making an Application

1. Who can apply for a Credit Card?

The basic eligibility criteria for all American Express Credit Card applications, include:

  • You must be over 18 years of age.
  • You must be a permanent resident or citizen of Australia or hold a current Business Long Stay Visa (subclass 457).
  • You must meet the minimum income criteria for your chosen Card.

2. What do I need to apply for a Credit Card?

When you submit your Credit Card application you will be asked for the following information:

  • Your Driver’s Licence (if available) - this will help us to verify your identity.
  • Personal information, including your current address and details of any previous addresses if you have lived at your current address for less than five years.
  • A current email address and a mobile or landline contact telephone number.
  • Financial Information including your annual income, household income (if married / defacto), monthly living expenses, employment details (including work address and a work contact phone number), superannuation (if retired) or other income sources.
  • Details about any other Credit Cards you hold and their balances.
  • Details of any other loans you hold.

3. How do I apply for a Credit Card?

Once you have chosen a Card, read the Terms and Conditions, then click the ‘Go To Site’ button on your chosen Credit Card page to begin your application.

Provided you have all of the required information to hand, your application should take less than 10 minutes to complete, and AMEX will provide you with a response in 60 seconds.