Amex rewards cardholders can now use points to shop via Paypal
Mozo Experts Choice Awards 2021 Credit Card Provider of the Year, American Express has partnered with PayPal to launch PayPal with Points, allowing Amex customers to shop online and pay using Membership Points via Paypal.
To use the service, you must already have your Amex credit card linked to PayPal. You can then use PayPal with Points to shop online with thousands of Australian retailers when you choose their American Express Card upon checkout on Paypal.
For Amex Rewards cardholders whose cards aren’t yet linked, you can simply add your American Express Card to your PayPal account, ensuring their Membership Rewards balance automatically features at the checkout of retailers. Once you’ve done this, you will be able to use the feature by mid-November.
“This is the first time Australians are able to shop with PayPal using rewards points from a non-PayPal credit card, expanding the payment choice and flexibility we offer customers while maintaining the highly secure processes they know and trust,” said Andrew Toon, general manager, payments, PayPal Australia.
The development comes in the wake of COVID-induced changes to Aussie reward point spending. Credit card providers are finding that due to over a year of travel restrictions, cardholders now want more rewards points options beyond airline points.
Director of partnerships & loyalty for Amex Australia and New Zealand, Liana Kohn-Gardner said: “As people have travelled less due to restrictions on international and domestic travel, points balances have quickly added up.”
The partnership comes at an opportune time, as Black Friday and Cyber Monday are just around the corner, giving American Express Reward Card Members the chance to use their points to save big on their Christmas shopping.
“By using PayPal with Points, our Card Members can use their points to treat themselves, or their loved ones, without having to dip into their cash savings,” Liana continued.
Are you looking to earn rewards on your Christmas shop? From bonus points and cashback to frequent flyer options, Mozo compares over 130 rewards credit cards. Check out some top rewards programs below!
Compare rewards credit cards - last updated 26 July 2025
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Apply By 13 Jan 2026
American Express Qantas Ultimate Card
Qantas Frequent Flyer
$450
90,000
1.25 points up to 100,000 points/year, then
1 point uncappedEarn up to 90,000 bonus Qantas Points - that’s 70,000 bonus Qantas Points when you apply online by 13 January 2026, are approved, and spend $3,000 on eligible purchases on your new Qantas American Express Ultimate Card within the first 3 months. Plus, an additional 20,000 bonus Qantas Points when you spend min $1 on your Card within 90 days of paying your second year annual Card fee. T&Cs apply. New Amex Card Members only.
CompareCompareQantas Ultimate Card
Earn up to 90,000 bonus Qantas Points - that’s 70,000 bonus Qantas Points when you apply online by 13 January 2026, are approved, and spend $3,000 on eligible purchases on your new Qantas American Express Ultimate Card within the first 3 months. Plus, an additional 20,000 bonus Qantas Points when you spend min $1 on your Card within 90 days of paying your second year annual Card fee. T&Cs apply. New Amex Card Members only.
- Rewards program
- Qantas Frequent Flyer
- Annual fee
- $450
- Bonus points
- 90,000
- Earn rate per $1
- 1.25 points up to 100,000 points/year, then
1 point uncapped
- Intro rate
- -
- Ongoing Purchase rate
- 23.99% p.a.
- Balance transfer rate
- No current offer
- Cash advance
- -
- Interest free days on purchases
- Up to 44
- Foreign exchange
- 3.00%
- Late payment
- $30.00
- Points earning
- 1.25 points per dollar on Amex, up to 100000 points per year, then
1 point per dollar on Amex, uncapped
- Reward point expiry
- Never
- Bonus points
- 90,000
- Sydney to Melbourne
- 8000.0
- Sydney to London
- 110400.0
- $100 Gift card
- 20010.0
- Card Benefits
- Account alerts by SMS,
Card Purchase Cover ,
Travel Inconvenience Cover
- Rewards Bonus Points
- 1.25 points per dollar on everyday purchases. Earn 0.5 Qantas Points per $1 spent at government bodies, earn 2.25 Qantas Points per $1 spend on selected Qantas products and services.Exclusions apply. 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 Points per $1 spent.*
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Apply By 27 Jan 2026
American Express Essential® Rewards Credit Card
Membership Rewards
$108
40,000
1 point uncapped
Receive 40,000 Bonus Membership Rewards® Points when you apply online by 27 January 2026, are approved, and spend $3,000 on eligible purchases on your new American Express Essential® Rewards Credit Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.
CompareCompareEssential® Rewards Credit Card
Receive 40,000 Bonus Membership Rewards® Points when you apply online by 27 January 2026, are approved, and spend $3,000 on eligible purchases on your new American Express Essential® Rewards Credit Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.
- Rewards program
- Membership Rewards
- Annual fee
- $108
- Bonus points
- 40,000
- Earn rate per $1
- 1 point uncapped
- Intro rate
- -
- Ongoing Purchase rate
- 23.99% p.a.
- Balance transfer rate
- No current offer
- Cash advance
- -
- Interest free days on purchases
- Up to 55
- Foreign exchange
- 3.00%
- Late payment
- $30.00
- Points earning
- 1 point per dollar on Amex, uncapped
- Reward point expiry
- Never
- Bonus points
- 40,000
- Sydney to Melbourne
- 11800.0
- Sydney to London
- 320000.0
- $100 Gift card
- 20000.0
- Card Benefits
- Extended Warranty,
Account alerts by SMS
- Rewards Bonus Points
- Earn up to 5 points per $1 spent on eligible eat and drinks purchases, up to 3 points per $1 spent on selected streaming subscriptions, up to 2 points per $1 spent at selected major retailers.
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Coles No Annual Fee Mastercard
flybuys
$0
No current offer
0.5 points up to $5,000/month
No annual fee for the life of the card plus collect 1 Flybuys point per $2 on eligible purchases up to $5,000 in each Statement Period (T&Cs apply). Get access to complimentary travel insurance. Apple Pay, Samsung Pay and Google Pay compatible. Up to 44 days interest free on purchases when you pay your account in full by the monthly due date.
CompareCompareNo Annual Fee Mastercard
No annual fee for the life of the card plus collect 1 Flybuys point per $2 on eligible purchases up to $5,000 in each Statement Period (T&Cs apply). Get access to complimentary travel insurance. Apple Pay, Samsung Pay and Google Pay compatible. Up to 44 days interest free on purchases when you pay your account in full by the monthly due date.
- Rewards program
- flybuys
- Annual fee
- $0
- Bonus points
- No current offer
- Earn rate per $1
- 0.5 points up to $5,000/month
- Intro rate
- -
- Ongoing Purchase rate
- 20.74% p.a.
- Balance transfer rate
- No current offer
- Cash advance
- 20.74% p.a.
- Interest free days on purchases
- Up to 44
- Foreign exchange
- 3.00%
- Late payment
- $30.00
- Points earning
- 0.5 points per dollar on Mastercard, up to $5,000 per month
- Reward point expiry
- Never
- Bonus points
- No current offer
- Sydney to Melbourne
- 11800.0
- Sydney to London
- 320000.0
- $100 Gift card
- 20000.0
- Card Benefits
- -
- Rewards Bonus Points
- Earn an additional 1 point per dollar spent at Coles and other Flybuys partners when your card is scanned.
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Apply By 12 Aug 2025
American Express Velocity Platinum Card
Velocity Frequent Flyer
$440
60,000
1.25 points uncapped
Receive 60,000 bonus Velocity Points1 when you apply online by 12 August 2025, are approved, and spend $3,000 on eligible purchases on your new American Express Velocity Platinum Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.
CompareCompareVelocity Platinum Card
Receive 60,000 bonus Velocity Points1 when you apply online by 12 August 2025, are approved, and spend $3,000 on eligible purchases on your new American Express Velocity Platinum Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.
- Rewards program
- Velocity Frequent Flyer
- Annual fee
- $440
- Bonus points
- 60,000
- Earn rate per $1
- 1.25 points uncapped
- Intro rate
- -
- Ongoing Purchase rate
- 23.99% p.a.
- Balance transfer rate
- No current offer
- Cash advance
- -
- Interest free days on purchases
- Up to 55
- Foreign exchange
- 3.00%
- Late payment
- $30.00
- Points earning
- 1.25 points per dollar on Amex, uncapped
- Reward point expiry
- Never
- Bonus points
- 60,000
- Sydney to Melbourne
- 5900.0
- Sydney to London
- 160000.0
- $100 Gift card
- 21278.0
- Card Benefits
- Account alerts by SMS,
Travel Inconvenience Cover (T&Cs apply, see 'Other restrictions')
- Rewards Bonus Points
- Earn 0.5 Velocity Points per $1 spent at government bodies, earn 2.25 Velocity Points per $1 spend on selected Virgin Australia products and services.
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Apply By 9 Sep 2025
American Express Velocity Escape Plus Card
Velocity Frequent Flyer
$95
20,000
1 point up to 12,000 points/year, then
0.75 points uncappedReceive 20,000 bonus Velocity Points1 when you apply online by 9 September 2025, are approved, and spend $1,000 on eligible purchases on your new American Express Velocity Escape Plus Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.
CompareCompareVelocity Escape Plus Card
Receive 20,000 bonus Velocity Points1 when you apply online by 9 September 2025, are approved, and spend $1,000 on eligible purchases on your new American Express Velocity Escape Plus Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.
- Rewards program
- Velocity Frequent Flyer
- Annual fee
- $95
- Bonus points
- 20,000
- Earn rate per $1
- 1 point up to 12,000 points/year, then
0.75 points uncapped
- Intro rate
- -
- Ongoing Purchase rate
- 23.99% p.a.
- Balance transfer rate
- No current offer
- Cash advance
- -
- Interest free days on purchases
- Up to 55
- Foreign exchange
- 3.00%
- Late payment
- $30.00
- Points earning
- 1 point per dollar on Amex, up to 12000 points per year, then
0.75 points per dollar on Amex, uncapped
- Reward point expiry
- Never
- Bonus points
- 20,000
- Sydney to Melbourne
- 5900.0
- Sydney to London
- 160000.0
- $100 Gift card
- 21278.0
- Card Benefits
- Account alerts by SMS,
Travel Insurance (T&Cs apply, see 'Other restrictions')
- Rewards Bonus Points
- Earn 0.5 Velocity Points per $1 spent at government bodies, earn 1.75 Velocity Points per $1 spend on selected Virgin Australia products and services.
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