First up, the Amex Essential Rewards Credit Card has an enticing 80,000 bonus Membership Rewards point offer when you apply online by 15 October 2024, are approved and spend $1,000 or more on eligible purchases on the new card in each 30 day period for the first 120 days (T&Cs apply). For every dollar spent you’ll accrue points and there are bonus points available on the first 10k points per month.
You can use your points on almost anything – Gift Cards with leading retailers, transfer your points to 11 airline partner programs, pay for eligible charges on your account, plus shopping at Myer.
With the American Express Essential Rewards Card you’ll have the opportunity to earn accelerated points on your spending up to 10k points per month. It’s a good idea to familiarise yourself with the bonus partners as you will get 5 points for every dollar you spend on eats and drinks at eligible restaurants and food delivery, 3 points on selected streaming services, 2 points at selected retailers and 1 point everywhere else.
You can also enjoy discounts of up to 15% credit back by shopping through the MyAmexShop and your card will also get you access to Amex presale tickets at major music events and lounge access at select venues.
There are some insurance benefits as well including screen repair coverage on your mobile (10% excess applies) for up to $500 for two events per year. Other card protection benefits include Card Purchase Cover for purchases accidentally damaged or stolen within 90 days of purchase, Card Refund Cover that can help you if you’re having trouble getting a refund for an eligible item purchased, and Buyers Advantage cover which gives you an extended manufacturer’s warranty of up to 12 months. Exclusions, limits and excess apply so be sure to read the T&Cs to understand the details of your shopping coverage.
If you make purchases over $150 there is an option to split payments into equal monthly instalments with the Plan It feature, with 0% interest and a set monthly fee.
If you’re in the situation to pay off your balance in full each month, the American Express Essential Rewards Card could be a handy way for you to earn points on your everyday spending and cash in on rewards.
There is an option to have up to 4 additional cards on the account so if you want to earn rewards faster you and your family member’s spending will go towards pooling points.
The purchase rate on the card is 23.99% p.a. so you’ll want to make sure that you can comfortably pay off your card in full each month or consider using the Plan It feature. There is also a $9 monthly fee on this card so be sure that you are getting the full benefits of the rewards offers and card benefits to justify this cost.
Rates and fees information correct as at 20 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
239,200 points
15,600 points
20,000 points
20,000 points
1 point per dollar on Amex, uncapped
Transfer points to a range of Airline Partner Programs or redeem your points for travel, Gift Cards, retail rewards and shopping Gift Cards.
Airline Partner Programs you can transfer your points to for flights include Cathay Pacific, Singapore Airlines, Thai Airways, Air New Zealand, Emirates, Virgin, Malaysia Airlines and other partners.
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.
Receive up to 80,000 bonus Membership Rewards points, in your first 120 days when you apply by 15 October 2024 and are approved. Earn 20,000 Membership Rewards points for each 30 day period in which you spend $1,000 on eligible purchases on your Card for the first 120 days. T&Cs apply. New Card Members only.
Spend $20,000 (Amex)
Spend $20,000 (Amex)
Spend $15,600 (Amex)
Spend $239,200 (Amex)
Uncapped
Never
|
23.99% p.a. |
|
|
none |
|
|
No current offer |
|
|
no |
|
|
none |
|
|
55 |
|
$108.00 |
|
|
none |
|
|
none |
|
|
none |
|
|
$30.00 |
|
|
not available |
|
|
3.00% |
|
|
$10.00 |
|
|
$7.00 |
|
|
$0.00 |
|
$30.00 |
|
|
2.5 |
|
|
up to 4 |
|
|
$9 monthly card fee is shown as $108 annual fee. |
Apple Pay, Google Wallet, Samsung Pay
Extended Warranty,
Account alerts by SMS
Cover for smartphone screen repairs up to $500 each year when you pay for your phone outright or monthly bill with American Express Essential Rewards Credit Card, conditions apply.
Good rewards points that you can use to pay interest charges. But not all businesses accept american express so it limits its use. Would be handy for travel though.
Read full reviewGood rewards points that you can use to pay interest charges. But not all businesses accept american express so it limits its use. Would be handy for travel though.
Since joining last year in 2022, American Express earns my highest recommendation due to the support team's outstanding customer service and the benefits of their Essentials Credit Card. This card impressively provides 1.25 Membership Reward points (excluding government transactions which provides 1 point) per dollar spent without any annual fee, effectively offering a 0.06% cashback on virtually all purchases. These points never expire, allowing you to accumulate them for long-term benefits. Additionally, the exclusive deals they offer for selected stores via their app and website help you reduce your costs on everyday purchases, adding extra value to the card. However, some merchants might not accept American Express cards and foreign transaction fees apply will apply for overseas purchases (in person/online) similar to most other credit cards. Overall, American Express stands out as a reliable choice for those seeking exceptional customer service, a no fee card that still rewards you for spending and discounts on everyday shopping.
Read full reviewSince joining last year in 2022, American Express earns my highest recommendation due to the support team's outstanding customer service and the benefits of their Essentials Credit Card. This card impressively provides 1.25 Membership Reward points (excluding government transactions which provides 1 point) per dollar spent without any annual fee, effectively offering a 0.06% cashback on virtually all purchases. These points never expire, allowing you to accumulate them for long-term benefits. Additionally, the exclusive deals they offer for selected stores via their app and website help you reduce your costs on everyday purchases, adding extra value to the card. However, some merchants might not accept American Express cards and foreign transaction fees apply will apply for overseas purchases (in person/online) similar to most other credit cards. Overall, American Express stands out as a reliable choice for those seeking exceptional customer service, a no fee card that still rewards you for spending and discounts on everyday shopping.
Its a simple no frills credit card with reasonably low interest rate and no annual fees.
Read full reviewIts a simple no frills credit card with reasonably low interest rate and no annual fees.
Good rewards system, no fees. BUT - can't withdraw cash at ATM, and can't use at many places. Good for ebay purchases.
Read full reviewGood rewards system, no fees. BUT - can't withdraw cash at ATM, and can't use at many places. Good for ebay purchases.
I like this bank. It's very convenient and trustworthy, the bad thing is I lost my credit card last time and they forget to send it to me.
Read full reviewI like this bank. It's very convenient and trustworthy, the bad thing is I lost my credit card last time and they forget to send it to me.
Platinum Edge Credit Card
23.99% p.a.
No current offer
$195 $0 in the first year
Explorer Credit Card - Exclusive Offer
23.99% p.a.
No current offer
$395
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Qantas Ultimate Card
23.99% p.a.
No current offer
$450
Qantas Frequent Flyer
Essential® Rewards Credit Card
23.99% p.a.
No current offer
$108
Membership Rewards
Platinum Edge Credit Card
23.99% p.a.
No current offer
$195 $0 in the first year
Membership Rewards
Explorer Credit Card - Exclusive Offer
23.99% p.a.
No current offer
$395
Membership Rewards
Qantas Discovery Card
23.99% p.a.
No current offer
$0
Qantas Frequent Flyer
Rewards Credit Card
0% p.a. for 15 months then 21.49% p.a.
0% p.a. for 15 months and then 22.24% p.a.
$199
Citi Rewards Program
Qantas Ultimate Card
Qantas Frequent Flyer
$450
50,000
1.25 points up to 100,000 points/year, then
1 point uncapped
Platinum Visa Credit Card
Qantas Frequent Flyer
$299
30,000
1 point up to 20,000 points/month
Qantas Rewards Premium Card
Qantas Frequent Flyer
$295 $195 in the first year
70,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Qantas Premium Card
Qantas Frequent Flyer
$249
20,000
1 point uncapped
Rewards Signature Card
NAB Rewards
$295 $145 in the first year
180,000
1.25 points uncapped
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$420 $320 in the first year
120,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Low Rate Card
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
13.49% p.a.
$59 $0 in the first year
Premier Credit Card
0% p.a. for 6 months and then 22.24% p.a.
21.49% p.a.
$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year
Citi Rewards Program
Blue Visa Credit Card
0% p.a. for 9 months and then 21.74% p.a.
0% p.a. for 9 months then 20.74% p.a.
$60
Q Rewards
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 24 months and then 20.99% p.a.
20.74% p.a.
$149 $0 in the first year
Velocity Frequent Flyer
More Mastercard
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
19.99% p.a.
$100
Bankwest More Rewards
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Rewards Credit Card
0% p.a. for 15 months then 21.49% p.a.
0% p.a. for 15 months and then 22.24% p.a.
$199
Rewards Credit Card
21.49% p.a.
No current offer
$199 $99 in the first year
Clear Credit Card - BT Offer
14.99% p.a.
0% p.a. for 24 months and then 22.24% p.a. (3.00% balance transfer fee)
$99 $49 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
