Leave your Opal at home and commute with Amex to earn rewards points

Whether you take the bus, train, ferry or light rail to work, you can now pay for that whole journey with your smartphone. 

Starting from today, commuters boarding any Opal-enabled public transport across NSW (Sydney, Illawarra, Southern Highlands, Central Coast and the Hunter Region) will be able to tap on and off with their credit card, debit card, mobile wallet or wearable device - and if you’re with American Express (Amex), you’ll even earn rewards points for the commute.

That means when you use Amex for your daily travel, you could be earning 1 Membership Rewards point per $1 spent on a American Express Essential Credit Card - and get a step closer to your next new outfit or dream holiday. 

RELATED ARTICLE: Bus it to work? You can now use your credit card to tap on and off

This latest expansion of contactless payments to all buses on the Opal network comes after the technology was rolled out to trains, the light rail and ferries last year. And according to Minister for Transport Andrew Constance, it’s “the final piece of the contactless payments puzzle”. 

Amex said travelling will get a lot easier for Sydneysiders who want to avoid the fuss of having to top up or carry around a physical card. 

“Commuters with American Express cards can now enjoy the convenience and flexibility of using their American Express card, mobile wallet or wearable to tap on and tap off at the Opal reader - providing them with the fastest and simplest way to get around,” Adam Roberts, Amex’s Vice President of Digital, Data and Payments Innovation, said. 

Roberts added that Amex’s partnership with Transport for NSW will allow cardholders to “use their Amex card or mobile wallet in more places than ever before.” 

Mastercard and Visa have also hopped on board - depending on the card provider, your daily bus or train fare could also earn you rewards points with them too. 

And if you’re opting for this new way to pay, you won’t have to worry about missing out on Adult Opal perks either. Commuters using their Amex, Mastercard or Visa card or linked device will still have access to benefits including: 

  • 30% discount for off-peak train fares
  • 50% discount after you’ve make 8 journeys per week
  • $2 transfer discount if you make a transfer within the hour 
  • Fare caps daily, weekly and on Sundays 

But for some Aussies, they’ll have to hold onto their Opals for a little longer, as contactless payments aren’t available with Concession, Child and Senior/Pensioner cards just yet.

How to reap the benefits of tapping on and off with your credit card 

To make the most of paying with your plastic or smartphone, here are some top things to keep in mind:

  • Have juice in your phone: If you’re paying with your mobile wallet, the last thing you want is for your phone to run out of battery while ticket officers are checking to see whether or not you've tapped on. So make sure your phone is always charged before you leave the house, or have a portable charger in your bag as a backup. Otherwise, you could find yourself with a fine of up $550! 
  • Use one card per traveller: When travelling with friends or family, don’t forget that each person needs to tap on and off with a separate credit card or mobile wallet. Two people can’t share the one card if they’re boarding public transport together. 
  • Stick to one plastic: It can be easy to get mixed up between your different cards, so being organised could go a long way to avoiding mistakes like accidentally tapping off with the wrong card. If that happens, you’ll be charged the default maximum amount on each card, which will make your trip a lot more expensive than it otherwise would be. 

With more and more payment options now available to Aussies, it could be time for you to give your wallet an upgrade. Ready to get started? Head over to our credit card comparison table to compare a range of credit cards that offer contactless payments. 

Compare low rate credit cards - last updated 18 September 2021

Search promoted credit cards below or do a full Mozo database search. Advertiser disclosure
  • Apply By 31 Oct 2021
    Bendigo Bank Low Rate Credit Card

    0% p.a. on purchases for up to 12 months (Reverts to 11.99% p.a). Also 0% balance transfer for up to 12 months. Low annual fee of $45 and no fees for additional cardholders.

    Purchase rate
    Balance transfer rate
    Annual fee
    0% p.a. for 12 months then 11.99% p.a.
    0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
    $45
    Details
  • Great Southern Bank Low Rate Credit Card

    0% balance transfer rate for 20 months and up to 55 interest free days. No annual fee for the first year and $49 after. Mozo Experts Choice Balance Transfer Platinum Credit Card Winner 2020^

    Purchase rate
    Balance transfer rate
    Annual fee
    11.99% p.a.
    0% p.a. for 25 months and then 21.74% p.a.
    $49 $0 in the first year
    Details
  • NAB StraightUp Card

    Pay no interest and no late payment fees, just a $10 monthly fee for a $1,000 credit limit. Plus, if you don't make any purchases and have an outstanding balance of $0 during the whole statement period, the monthly fee will be reversed. Also pay no foreign currency fees when you shop online or overseas. Mozo Experts Choice Credit Card Innovation Winner 2020^.

    Purchase rate
    Balance transfer rate
    Annual fee
    0% p.a.
    No current offer
    $120 $10/month - waived if no spend & no balance owing
    Details
  • St.George No Annual Fee

    0% p.a. for 12 months on APR requested at card application. The special promotional purchase rate applies from card approval, after the promotional period, the rate will switch to the variable purchase rate. New cards only, Eligibility criteria and T&Cs apply. Offer ends November 30th 2021.

    Purchase rate
    Balance transfer rate
    Annual fee
    0% p.a. for 12 months then 20.74% p.a.
    2.99% p.a. for 15 months and then 21.49% p.a.
    $0
    Details
  • NAB Low Rate Card

    0% p.a. interest on balance transfers for the first 32 months, plus a low ongoing purchase rate after that means you can spend with confidence. There's also up to 55 interest free days on purchases to help you manage your budget better.

    Purchase rate
    Balance transfer rate
    Annual fee
    12.99% p.a.
    0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
    $59 $0 in the first year
    Details
  • Mozo Expert Choice Badge
    American Express Low Rate Credit Card

    Competitive low rate with $0 Annual Fee. Get $100 back when you apply online by 27 October 2021, are approved and spend $1,000 on your new Card by 31 December 2021. T&Cs apply. New Card Members only. Customers need an annual income of $50,000 or more.

    Purchase rate
    Balance transfer rate
    Annual fee
    8.99% p.a.
    No current offer
    $0
    Details
  • Apply By 30 Nov 2021
    St.George Vertigo - Cashback Offer

    $300 cashback when you take out a new Vertigo Credit Card and spend $4k on eligible purchases within 120 days of the new card approval. No annual fee for the first year, $55 thereafter. New cards only, Eligibility criteria and T&Cs apply. Offer ends November 30th 2021.

    Purchase rate
    Balance transfer rate
    Annual fee
    13.99% p.a.
    2.99% p.a. for 15 months and then 21.49% p.a.
    $55 $0 in the first year
    Details
  • Apply By 30 Nov 2021
    Bank of Melbourne Vertigo

    0% p.a. for 30 months on balance transfers requested at card application. 0% balance transfer fee applies. Rate then switches to applicable variable cash advance rate. No annual fee for the first year, $55 thereafter. New cards only, Eligibility criteria and T&Cs apply. Offer ends November 30th 2021.

    Purchase rate
    Balance transfer rate
    Annual fee
    13.99% p.a.
    0% p.a. for 30 months and then 21.49% p.a.
    $55 $0 in the first year
    Details
  • Apply By 30 Nov 2021
    BankSA Vertigo - Cashback Offer

    $300 cashback when you take out a new Vertigo Credit Card and spend $4k on eligible purchases within 120 days of the new card approval. No annual fee for the first year, $55 thereafter. New cards only, Eligibility criteria and T&Cs apply. Offer ends November 30th 2021.

    Purchase rate
    Balance transfer rate
    Annual fee
    13.99% p.a.
    2.99% p.a. for 15 months and then 21.49% p.a.
    $55 $0 in the first year
    Details
  • Apply By 30 Nov 2021
    Bank of Melbourne Vertigo - Cashback Offer

    $300 cashback when you take out a new Vertigo Credit Card and spend $4k on eligible purchases within 120 days of the new card approval. No annual fee for the first year, $55 thereafter. New cards only, Eligibility criteria and T&Cs apply. Offer ends November 30th 2021.

    Purchase rate
    Balance transfer rate
    Annual fee
    13.99% p.a.
    2.99% p.a. for 15 months and then 21.49% p.a.
    $55 $0 in the first year
    Details
  • Apply By 30 Nov 2021
    St.George Vertigo

    0% p.a. for 30 months on balance transfers requested at card application. 0% balance transfer fee applies. Rate then switches to applicable variable cash advance rate. No annual fee for the first year, $55 thereafter. New cards only, Eligibility criteria and T&Cs apply. Offer ends November 30th 2021.

    Purchase rate
    Balance transfer rate
    Annual fee
    13.99% p.a.
    0% p.a. for 30 months and then 21.49% p.a.
    $55 $0 in the first year
    Details
  • Apply By 20 Oct 2021
    David Jones American Express Platinum Card

    Earn 70,000 Membership Reward Points or 35,000 Qantas Points when you apply online by 20 October 2021, are approved and spend $1,500 at locations excluding David Jones on your new Card within the first three months. Available to new David Jones American Express Platinum Card Members only.

    Purchase rate
    Balance transfer rate
    Annual fee
    0% p.a. for 6 months then 20.74% p.a.
    No current offer
    $295
    Details

^See information about the Mozo Experts Choice Credit Card Awards

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