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American Express Essential Credit Card
6 reviews

American Express Essential Credit Card

points over 12 months Calculate your savings icon

Earn rate per $1

1.25 points Amex Membership Rewards

Bonus points

N/A

Annual fee

$0 p.a.

Pros

$0 annual fee

Smartphone Screen Insurance of up to $500 for screen repairs to your Smartphone when you pay for your phone or contract with your Essential Credit Card

Earn 1.25 Membership Rewards points for every $1 spent, except for Government purchases where you will earn 1 point per $1 spent.

0% p.a. on balance transfers for the first 12 months — A one-off credit plan establishment fee of 3% applies. Please note, no interest free days apply to retail purchases while you have a balance transfer

Enjoy a low interest rate of 14.99% p.a. on purchases

Cons

The maximum balance transfer that you can be approved for is $10,000 or 70% of your approved credit limit, whichever is less.

A one-off credit plan establishment fee of 3% applies to any balances transferred.

100% of customers who have rated this card would recommend it
  • Rates
    84%
  • Fees
    92%
  • Rewards
    88%
  • Customer Service
    90%
  • Value
    88%
Overall user rating 88%
6 reviews

95% Visitor

Good offer from Amex

Recommends this card

Interest Rates
Purchase rate 14.99% p.a.
Cash advance rate N/A
Interest free on purchases up to 55 days
Balance Transfer
Balance transfer rate 0% p.a. for 12 months
Balance transfer fee 3% one off
Balance Transfer revert rate 14.99% p.a.
Balance transfer limit 70% of your approved new credit limit
Balance transfer from personal loan N/A
Banks you can't balance transfer from American Express
Credit limits
Minimum credit limit $2,000
Maximum credit limit N/A
Fees & repayments
Annual fee $0 p.a.
Additional cardholder fee Up to 4 at no extra cost
Cash advance fee N/A
Foreign transaction fee 3%
Minimum repayment 2.5% or $30. Full closing balance for the Amex Platinum Charge Card
Late payment fee $30
Credit card type American Express
Rewards program
Rewards program Amex Membership Rewards Amex Membership Rewards
Annual points cap uncapped
Bonus points spend criteria N/A
Earning points with this card
Amex points 1.25 points per $1 spent
Overseas earn rate same as standard earn rate
Points cap per month N/A
Complimentary insurance
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance Yes
Purchase protection insurance Yes
Extended warranty insurance No
Rental vehicle excess cover No
Extras
Eligible with Apple Pay, Samsung Pay and Google Pay

American Express Essential Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au.

The American Express Essential Credit Card

Again and again, when we review American Express cards, we see quality. Whether it’s an awesome rewards program, amazing features, or excellent extras, quite simply, American Express do credit cards right.

The American Express Essential Credit Card is no exception. Let’s start by saying this is a no annual fee credit card. Usually, no annual fee credit cards are pretty low on excitement. They tend to have minimal features, few offers and not much in the way of wow.

Not so with this card. American Express Essential Credit Card, how do I love thee? Let me count the ways. You have a well-rounded rewards program. You have an extremely attractive purchase rate. You have a beautiful introductory offer. You have some very lovely features indeed.

Want to find out more? So do we.

What we love…

Let’s get into the introductory offer first. The intro offer on the American Express Essential Credit Card is a balance transfer. With 12 months on the table, the balance transfer offer provides a good long time to pay off any transferred balances. You will pay no interest on that transferred balance for a year, allowing you to pay it down as much as possible.

Now to the rewards program. When you’re approved for the American Express Essential Credit Card, you’ll receive complimentary enrollment into the Membership Rewards Gateway program. As for points-earning-potential, you can earn up to 1.25 points per $1 spent on the card.

When you’re ready to redeem your points, simply transfer them to your choice of eight airline rewards partner programs. These include Air New Zealand Airpoints, Asia Miles, Emirates Skywards, Etihad Guest, Malaysian Airlines Enrich, Singapore Airlines KrisFlyer, THAI Royal Orchid Plus and Velocity Frequent Flyer. Alternatively, you can redeem your points online for a gift card from selected top retailers.

Program nameConversion rate
Air New Zeland Airpoints (NZ)200 MR = 1 Airpoint Dollar
Cathay – Asia Miles2 MR = 1 Asia Mile
Emirates Skywards2 MR = 1 Skyward Mile
Etihad Guest2 MR = 1 Etihad Guest Mile
Qantas2 MR = 1 Qantas Point
Singapore Airlines KrisFlyer2 MR = 1 KrisFlyer Mile
Malaysian Airlines Enrich2 MR = 1 Enrich Mile
THAI Royal Orchid Plus2 MR = 1 Royal Orchid Plus Mile
Velocity Frequent Flyer2 MR = 1 Velocity Point
Virgin Atlantic2 MR = 1 Flying Club Mile
Hilton Honors2 MR = 1 Hilton Honors Point
Marriot Bonvoy3 MR = 2 Marriot Points

 

Alongside a stack of extras, this rewards card features a fantastic low 14.99% p.a. on purchases. But the feature we love most? It’s got to be its no annual fee!

What’s not so great…

We’ve counted the ways in which we love the American Express Essential Credit Card, now it’s time to look at its not-so-great features. To be fair, these really only relate to its balance transfer offer.

First up, there is a one-off credit plan establishment fee of 3% that applies to any balances transferred. Secondly, the card has a maximum balance transfer amount of $10,000 or 70% of your approved credit limit, whichever is less.

Why should you choose this card?

If you want a rewards card but don’t want to pay through the nose for it, this card is definitely worth a closer look. As a no annual fee card it is packed with features. Not only does it have a rewards program and an intro offer, it also has an incredible selection of extras.

If you use the card to cover your phone contract or buy a phone, you can enjoy complimentary Smartphone Screen Insurance for that phone. This provides up to $500 for screen repairs to your smartphone, with a 10% excess per claim.

As an American Express cardholder, you can also enjoy money-saving offers from top brands using the exclusive Amex Offers program. Meanwhile, American Express Invites provides you access to a wide range of sought-after events, including film, music and theatre, often before tickets go on sale to the public.

On top of that, you can benefit from Purchase Protection, Buyer’s Advantage, Refund Protection, Online Fraud Protection, and Emergency Card replacement. You also get one additional card holder free, and up to 55 days interest free on purchases.

Overall Rating

This is a no annual fee rewards card that really delivers. It offers rewards, features and extras, a low purchase rate and a great introductory offer. Wins all round, we say.

95 questions (showing the latest 10 Q&As)

Vi

Vi

24 April 2019
Hi Roland,Do Amex Essential rewards points expire at all if not used within a certain period of time?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 April 2019
    Hi Vi, One of the many good things about Membership Rewards points is that they do not expire, as long as your Account is current and in good standing.
Carlo

Carlo

22 April 2019
I am looking for a credit card that has no cash advance feature
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 April 2019
    Hi Carlo, American Express cards do not allow for cash advances. Off hand I cannot think of any other cards other than charge cards that do not have cash advances available.
David Rimmington

David Rimmington

13 November 2018
Does balance transfer on amex essentials card gain points and what is time frame to transfer after receiving new card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 November 2018
    Hi David, a balance transfer on any card does not earn points. A balance transfer is typically only available at the time of application. Therefore you should put in details of the balance transfer you want to do. When you apply for the American Express Essential credit card.
Robyn

Robyn

18 October 2018
Can you tell me where American Express card are not accepted? Eg. retail stores, airlines or any other companies?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 October 2018
    Hi Robyn, it is impossible to put together a list of where American express cards would not be accepted. It varies depending on where you are and where you shop. I have an AMEX and Visa card. I use my AMEX everywhere I can. Typically to buy groceries at supermarkets, travel, restaurants, fees for various things. Bottom line I use my AMEX for 90% of my purchases as it earns the highest points. Then as a back up I have my Visa card. Have a look at this page from AMEX - https://www.americanexpress.com/au/content/credit-cards/about-credit-cards/acceptance/
Nora

Nora

24 September 2018
how do I log in to check my essential card balance
SUKET KAMBOJ

SUKET KAMBOJ

13 August 2018
Hi Does this card offer Travel insurance when Tickets are purchased thru the card, and what is the insurance amount.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 August 2018
    Hi Suket, there is no travel insurance available with the American Express Essential credit card. I am not aware of a no annual fee card that has this feature. The closest is the HSBC Platinum credit card. It has an annual fee rebate if you spend $6,000 on eligible purchases in 12 months. Effectively then making it a no annual fee card. Though you are hit with an annual fee for the first year.
James

James

7 August 2018
Hello Roland, is there another way to apply for this card ( manual application)? I noticed that an applicant could apply this card on American Express' Australian website and a decision will be made by Amex in as little 30 seconds, my question is: what if I don't fulfill certain criteria of the eligibility?At the moment, I hold an American Express Gold charge card issued in Malaysia.I hold a current ETA (Subclass 601) visa. It would be great if you could advise me on my impending application. I know that Amex has a programme called "Moving Abroad - Global Card Transfer" but I have no idea how to go about it. I also plan to apply for a debit card soon for I don't wish to spend using my foreign issued card as I will be smacked with high foreign transaction fees.Thanking you in advance.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 August 2018
    Hi James, so you are currently overseas? Having an ETA visa is not enough to be able to apply for an Australia credit card. You need to have a long stay business visa, permanent resident or citizen to be able to apply for an American express credit card. You typically need to meet higher income than standard applicants on a temp visa but every situation is unique. On the debit card side, I like the Orange Everyday account. The account has been updated to waive foreign fees and ATM costs when you deposit $1,000 a month and do at least 5 transactions. Definitely a great no fee option for people that like to travel.
Linda Bulloch

Linda Bulloch

15 June 2018
Hello Roland I am going interested in this card for rewards. I don’t have debt to transfer. Am I able to have bills debited from account? Also I often see signs in outlets in Australia saying American Express not accepted. Can you explain and is his the case worldwide. Thank you I have frequently seen signs in out
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 June 2018
    Hi Linsa, yes you can have bills debited from this credit card. AMEX is widely accepted globally. Though there are stores or places that do not accept. If they do accept then they have a high surcharge for doing so. I have an AMEX in my wallet which I use most of the time. Then I also have a Visa card that I use some of the time when AMEX is not accepted or has a surcharge.
Kerin Coram

Kerin Coram

27 April 2018
Will I get a bill/statement to say when my account is due for payment? I am getting statement updates as I requested but now I am confused as to when I need to pay the account. I don't want pay my account in full when due.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 April 2018
    Hi Kerin, yes, on the statement it should say when payment is due and the minimum amount. You can always use the AMEX mobile phone app or log into the AMEX website to see when a payment is due.
Matt Jose

Matt Jose

11 April 2018
What is the 3% establishment fee?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 April 2018
    Hi Matt, if you do a balance transfer to the card on application. That is you transfer non-AMEX credit card debt to this offer. You pay a 3% on whatever that amount is that is added to the balance transfer. So if you transfer $5,000. The total balance transfer amount becomes $5,150. You will have 12 months to pay this amount of at 0%.
Pasquale gugliotti

Pasquale gugliotti

21 March 2018
Do I need PIN number for cash advance?if so how to get a pin number
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 March 2018
    Hi Pasquale, you cannot get cash advances with AMEX credit cards. You need to look outside American Express for this feature.
Alice Mak

Alice Mak

1 March 2018
Where do I make my payments?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 March 2018
    Hi Alice, my preferred way is to pay online through BPAY. You can also pay in person at Australia post ($3 surcharge). Mail in a cheque American Express, GPO Box 4344, Sydney, NSW 2001. Setup a direct debit so your bill is paid automatically.
Vahid

Vahid

14 February 2018
Hi thereIt’s Vahid here from queensland, I have a question regarding Amex credit card to apply , I have recently changed my job now I am on my new role and my income is over $60k annually and I do have extra income which is about $20k a year. But on my new job which I have started in last week and I don’t have payslips , can I apply for this credit card or no, thank you for considering and advise. Kind Regards Vahid
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 February 2018
    Hi Vahid, If you have your tax assessment notice from 2017 which shows enough income, then this should be enough. They can ask for payslips as well. Therefore it may be in your best interest to wait until you have this as well, just in case.
Kim

Kim

29 November 2017
What is the difference in reward Frequent flyer points earned between this card and the AMEX Qantas Discovery Card (it appears to be just the extra point per dollar for Qantas flights??)
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 November 2017
    Hi Kim, the AMEX Essential earns custom AMEX Membership Rewards points. These can be transferred to other airlines (but not Qantas) and not at 1 point per $. The Qantas Discovery directly earns Qantas points. If you are wanting to earn Qantas points then the Discovery is the best option out of these 2.
AshaB

AshaB

8 November 2017
Hi Roland, I am a professional with a government job earning 86k a year. I currently have a credit card with CBA with a limit of 7k. I was wondering if you would recommend either the Amex Essentials or Amex Platinum Edge. I have heard mixed reviews about both. I pay my bills on time but am worried about hidden costs and fees that may hit me. Thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 November 2017
    Hi AshaB, I like the essential as it has no annual fee and still earns rewards. Plus the essential has a lower rate on purchases. There should be no hidden costs. Any credit card surcharges by law now have to be clearly displayed at time of purchase. You can use your CBA card where they charge an extra fee for AMEX though many places don't these days.

American Express Essential Credit Card

The American Express Essential Credit Card lets you earn up to 1.25 points per $1 spent and features a $0 annual fee. Enjoy a low 14.99% p.a. on purchases and 0% p.a. on balance transfers for the first 12 months. One-off fee of 3% applies to any balances transferred. You can transfer your points to a choice of 8 airline rewards partner programs or redeem online for a gift card. The American Express Essential Credit Card also comes with a Smartphone Screen Insurance for up to $500 for screen repairs to your Smartphone when you pay for your phone or contract with your Card.

Key features

  • No annual fee
  • 0% p.a. on balance transfers for the first 12 months. A one-off fee of 3% applies to any balances transferred. Please note, no interest free days apply to retail purchases while you have a balance transfer
  • Low interest rate of 14.99% p.a. on purchases
  • Earn 1.25 Membership Rewards points for every $1 spent, except for Government purchases where you will earn 1 point per $1 spent.
  • Transfer your points to a choice of 8 airline rewards partner programs or redeem online for a gift card from selected top retailers.
  • Smartphone Screen Insurance of up to $500 for screen repairs to your Smartphone when you pay for your phone or contract with your Essential Credit Card
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Australian citizen or permanent resident or hold a current Business Long Stay Visa (subclass 457)
  • Minimum income of $40,000 p.a.
  • You have your personal details ready to complete the online application
American Express Essential Credit Card
American Express Essential Credit Card

American Express Credit Cards

American Express Essential Credit Card

Updated 13 September 2019

Points Earn Rate (per $1 spent)

1.25

points

Amex

Rewards Program

Amex Membership Rewards

Bonus Points

N/A

0 points over 12 months spend

My monthly card spend

Pros and cons

  • $0 annual fee
  • Smartphone Screen Insurance of up to $500 for screen repairs to your Smartphone when you pay for your phone or contract with your Essential Credit Card
  • Earn 1.25 Membership Rewards points for every $1 spent, except for Government purchases where you will earn 1 point per $1 spent.
  • 0% p.a. on balance transfers for the first 12 months — A one-off credit plan establishment fee of 3% applies. Please note, no interest free days apply to retail purchases while you have a balance transfer
  • Enjoy a low interest rate of 14.99% p.a. on purchases

  • The maximum balance transfer that you can be approved for is $10,000 or 70% of your approved credit limit, whichever is less.
  • A one-off credit plan establishment fee of 3% applies to any balances transferred.

Creditcard.com.au review

Editor Review

American Express Essential Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The American Express Essential Credit Card

Again and again, when we review American Express cards, we see quality. Whether it’s an awesome rewards program, amazing features, or excellent extras, quite simply, American Express do credit cards right.

The American Express Essential Credit Card is no exception. Let’s start by saying this is a no annual fee credit card. Usually, no annual fee credit cards are pretty low on excitement. They tend to have minimal features, few offers and not much in the way of wow.

Not so with this card. American Express Essential Credit Card, how do I love thee? Let me count the ways. You have a well-rounded rewards program. You have an extremely attractive purchase rate. You have a beautiful introductory offer. You have some very lovely features indeed.

Want to find out more? So do we.

What we love…

Let’s get into the introductory offer first. The intro offer on the American Express Essential Credit Card is a balance transfer. With 12 months on the table, the balance transfer offer provides a good long time to pay off any transferred balances. You will pay no interest on that transferred balance for a year, allowing you to pay it down as much as possible.

Now to the rewards program. When you’re approved for the American Express Essential Credit Card, you’ll receive complimentary enrollment into the Membership Rewards Gateway program. As for points-earning-potential, you can earn up to 1.25 points per $1 spent on the card.

When you’re ready to redeem your points, simply transfer them to your choice of eight airline rewards partner programs. These include Air New Zealand Airpoints, Asia Miles, Emirates Skywards, Etihad Guest, Malaysian Airlines Enrich, Singapore Airlines KrisFlyer, THAI Royal Orchid Plus and Velocity Frequent Flyer. Alternatively, you can redeem your points online for a gift card from selected top retailers.

Program nameConversion rate
Air New Zeland Airpoints (NZ)200 MR = 1 Airpoint Dollar
Cathay – Asia Miles2 MR = 1 Asia Mile
Emirates Skywards2 MR = 1 Skyward Mile
Etihad Guest2 MR = 1 Etihad Guest Mile
Qantas2 MR = 1 Qantas Point
Singapore Airlines KrisFlyer2 MR = 1 KrisFlyer Mile
Malaysian Airlines Enrich2 MR = 1 Enrich Mile
THAI Royal Orchid Plus2 MR = 1 Royal Orchid Plus Mile
Velocity Frequent Flyer2 MR = 1 Velocity Point
Virgin Atlantic2 MR = 1 Flying Club Mile
Hilton Honors2 MR = 1 Hilton Honors Point
Marriot Bonvoy3 MR = 2 Marriot Points

 

Alongside a stack of extras, this rewards card features a fantastic low 14.99% p.a. on purchases. But the feature we love most? It’s got to be its no annual fee!

What’s not so great…

We’ve counted the ways in which we love the American Express Essential Credit Card, now it’s time to look at its not-so-great features. To be fair, these really only relate to its balance transfer offer.

First up, there is a one-off credit plan establishment fee of 3% that applies to any balances transferred. Secondly, the card has a maximum balance transfer amount of $10,000 or 70% of your approved credit limit, whichever is less.

Why should you choose this card?

If you want a rewards card but don’t want to pay through the nose for it, this card is definitely worth a closer look. As a no annual fee card it is packed with features. Not only does it have a rewards program and an intro offer, it also has an incredible selection of extras.

If you use the card to cover your phone contract or buy a phone, you can enjoy complimentary Smartphone Screen Insurance for that phone. This provides up to $500 for screen repairs to your smartphone, with a 10% excess per claim.

As an American Express cardholder, you can also enjoy money-saving offers from top brands using the exclusive Amex Offers program. Meanwhile, American Express Invites provides you access to a wide range of sought-after events, including film, music and theatre, often before tickets go on sale to the public.

On top of that, you can benefit from Purchase Protection, Buyer’s Advantage, Refund Protection, Online Fraud Protection, and Emergency Card replacement. You also get one additional card holder free, and up to 55 days interest free on purchases.

Overall Rating

This is a no annual fee rewards card that really delivers. It offers rewards, features and extras, a low purchase rate and a great introductory offer. Wins all round, we say.

User reviews

American Express Essential Credit Card ( based on 6 Creditcard.com.au user reviews )

88% rating based on 6 reviews

Rates
Fees
Rewards
Customer Service
Value
95%

Creditcard.com.au Visitor

31 May 2016

Good offer from Amex

Recommends this card

Rates and fees

Interest rates

Purchase rate 14.99% p.a.

Cash advance rate N/A

Interest free on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 12 months

Balance transfer revert rate 14.99% p.a.

Balance transfer from personal loan N/A

Balance transfer fee 3% one off

Balance transfer limit 70% of approved credit limit

Banks you can't balance transfer from American Express

Credit limits

Minimum credit limt $2,000

Maximum credit limit N/A

Fees & repayments

Annual fee $0 p.a.

Additional card holder fee Up to 4 at no extra cost

Foreign transaction fee 3%

Minimum repayment 2.5% or $30. Full closing balance for the Amex Platinum Charge Card

Cash advance fee N/A

Late payment fee $30

Rewards and points

Rewards program

Rewards Program Amex Membership Rewards Amex Membership Rewards

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

Earning points with this card

Amex pointsAmex points 1.25 points per $1 spent

Points cap per month N/A

Overseas earn rateOverseas earn rate same as standard earn rate

Additional features

Complimentary insurance

Overseas travel insurance No

Flight inconvenience insurance No

Transport accident cover No

Smartphone screen insurance Yes

Purchase protection insurance Yes

Extended warranty insurance No

Rental vehicle excess cover No

Extras

Eligible with Apple Pay, Samsung Pay and Google Pay

Overview

American Express Essential Credit Card

The American Express Essential Credit Card lets you earn up to 1.25 points per $1 spent and features a $0 annual fee. Enjoy a low 14.99% p.a. on purchases and 0% p.a. on balance transfers for the first 12 months. One-off fee of 3% applies to any balances transferred. You can transfer your points to a choice of 8 airline rewards partner programs or redeem online for a gift card. The American Express Essential Credit Card also comes with a Smartphone Screen Insurance for up to $500 for screen repairs to your Smartphone when you pay for your phone or contract with your Card.

Key features

  • No annual fee
  • 0% p.a. on balance transfers for the first 12 months. A one-off fee of 3% applies to any balances transferred. Please note, no interest free days apply to retail purchases while you have a balance transfer
  • Low interest rate of 14.99% p.a. on purchases
  • Earn 1.25 Membership Rewards points for every $1 spent, except for Government purchases where you will earn 1 point per $1 spent.
  • Transfer your points to a choice of 8 airline rewards partner programs or redeem online for a gift card from selected top retailers.
  • Smartphone Screen Insurance of up to $500 for screen repairs to your Smartphone when you pay for your phone or contract with your Essential Credit Card

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian citizen or permanent resident or hold a current Business Long Stay Visa (subclass 457)

  • Minimum income of $40,000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

95 questions (showing the latest 10 Q&As)

Vi

Vi

24 April 2019
Hi Roland,Do Amex Essential rewards points expire at all if not used within a certain period of time?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 April 2019
    Hi Vi, One of the many good things about Membership Rewards points is that they do not expire, as long as your Account is current and in good standing.
Carlo

Carlo

22 April 2019
I am looking for a credit card that has no cash advance feature
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 April 2019
    Hi Carlo, American Express cards do not allow for cash advances. Off hand I cannot think of any other cards other than charge cards that do not have cash advances available.
David Rimmington

David Rimmington

13 November 2018
Does balance transfer on amex essentials card gain points and what is time frame to transfer after receiving new card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 November 2018
    Hi David, a balance transfer on any card does not earn points. A balance transfer is typically only available at the time of application. Therefore you should put in details of the balance transfer you want to do. When you apply for the American Express Essential credit card.
Robyn

Robyn

18 October 2018
Can you tell me where American Express card are not accepted? Eg. retail stores, airlines or any other companies?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 October 2018
    Hi Robyn, it is impossible to put together a list of where American express cards would not be accepted. It varies depending on where you are and where you shop. I have an AMEX and Visa card. I use my AMEX everywhere I can. Typically to buy groceries at supermarkets, travel, restaurants, fees for various things. Bottom line I use my AMEX for 90% of my purchases as it earns the highest points. Then as a back up I have my Visa card. Have a look at this page from AMEX - https://www.americanexpress.com/au/content/credit-cards/about-credit-cards/acceptance/
Nora

Nora

24 September 2018
how do I log in to check my essential card balance
SUKET KAMBOJ

SUKET KAMBOJ

13 August 2018
Hi Does this card offer Travel insurance when Tickets are purchased thru the card, and what is the insurance amount.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 August 2018
    Hi Suket, there is no travel insurance available with the American Express Essential credit card. I am not aware of a no annual fee card that has this feature. The closest is the HSBC Platinum credit card. It has an annual fee rebate if you spend $6,000 on eligible purchases in 12 months. Effectively then making it a no annual fee card. Though you are hit with an annual fee for the first year.
James

James

7 August 2018
Hello Roland, is there another way to apply for this card ( manual application)? I noticed that an applicant could apply this card on American Express' Australian website and a decision will be made by Amex in as little 30 seconds, my question is: what if I don't fulfill certain criteria of the eligibility?At the moment, I hold an American Express Gold charge card issued in Malaysia.I hold a current ETA (Subclass 601) visa. It would be great if you could advise me on my impending application. I know that Amex has a programme called "Moving Abroad - Global Card Transfer" but I have no idea how to go about it. I also plan to apply for a debit card soon for I don't wish to spend using my foreign issued card as I will be smacked with high foreign transaction fees.Thanking you in advance.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 August 2018
    Hi James, so you are currently overseas? Having an ETA visa is not enough to be able to apply for an Australia credit card. You need to have a long stay business visa, permanent resident or citizen to be able to apply for an American express credit card. You typically need to meet higher income than standard applicants on a temp visa but every situation is unique. On the debit card side, I like the Orange Everyday account. The account has been updated to waive foreign fees and ATM costs when you deposit $1,000 a month and do at least 5 transactions. Definitely a great no fee option for people that like to travel.
Linda Bulloch

Linda Bulloch

15 June 2018
Hello Roland I am going interested in this card for rewards. I don’t have debt to transfer. Am I able to have bills debited from account? Also I often see signs in outlets in Australia saying American Express not accepted. Can you explain and is his the case worldwide. Thank you I have frequently seen signs in out
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 June 2018
    Hi Linsa, yes you can have bills debited from this credit card. AMEX is widely accepted globally. Though there are stores or places that do not accept. If they do accept then they have a high surcharge for doing so. I have an AMEX in my wallet which I use most of the time. Then I also have a Visa card that I use some of the time when AMEX is not accepted or has a surcharge.
Kerin Coram

Kerin Coram

27 April 2018
Will I get a bill/statement to say when my account is due for payment? I am getting statement updates as I requested but now I am confused as to when I need to pay the account. I don't want pay my account in full when due.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 April 2018
    Hi Kerin, yes, on the statement it should say when payment is due and the minimum amount. You can always use the AMEX mobile phone app or log into the AMEX website to see when a payment is due.
Matt Jose

Matt Jose

11 April 2018
What is the 3% establishment fee?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 April 2018
    Hi Matt, if you do a balance transfer to the card on application. That is you transfer non-AMEX credit card debt to this offer. You pay a 3% on whatever that amount is that is added to the balance transfer. So if you transfer $5,000. The total balance transfer amount becomes $5,150. You will have 12 months to pay this amount of at 0%.
Pasquale gugliotti

Pasquale gugliotti

21 March 2018
Do I need PIN number for cash advance?if so how to get a pin number
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 March 2018
    Hi Pasquale, you cannot get cash advances with AMEX credit cards. You need to look outside American Express for this feature.
Alice Mak

Alice Mak

1 March 2018
Where do I make my payments?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 March 2018
    Hi Alice, my preferred way is to pay online through BPAY. You can also pay in person at Australia post ($3 surcharge). Mail in a cheque American Express, GPO Box 4344, Sydney, NSW 2001. Setup a direct debit so your bill is paid automatically.
Vahid

Vahid

14 February 2018
Hi thereIt’s Vahid here from queensland, I have a question regarding Amex credit card to apply , I have recently changed my job now I am on my new role and my income is over $60k annually and I do have extra income which is about $20k a year. But on my new job which I have started in last week and I don’t have payslips , can I apply for this credit card or no, thank you for considering and advise. Kind Regards Vahid
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 February 2018
    Hi Vahid, If you have your tax assessment notice from 2017 which shows enough income, then this should be enough. They can ask for payslips as well. Therefore it may be in your best interest to wait until you have this as well, just in case.
Kim

Kim

29 November 2017
What is the difference in reward Frequent flyer points earned between this card and the AMEX Qantas Discovery Card (it appears to be just the extra point per dollar for Qantas flights??)
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 November 2017
    Hi Kim, the AMEX Essential earns custom AMEX Membership Rewards points. These can be transferred to other airlines (but not Qantas) and not at 1 point per $. The Qantas Discovery directly earns Qantas points. If you are wanting to earn Qantas points then the Discovery is the best option out of these 2.
AshaB

AshaB

8 November 2017
Hi Roland, I am a professional with a government job earning 86k a year. I currently have a credit card with CBA with a limit of 7k. I was wondering if you would recommend either the Amex Essentials or Amex Platinum Edge. I have heard mixed reviews about both. I pay my bills on time but am worried about hidden costs and fees that may hit me. Thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 November 2017
    Hi AshaB, I like the essential as it has no annual fee and still earns rewards. Plus the essential has a lower rate on purchases. There should be no hidden costs. Any credit card surcharges by law now have to be clearly displayed at time of purchase. You can use your CBA card where they charge an extra fee for AMEX though many places don't these days.

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