American Express Essential Credit Card: $0 Annual Fee

Disclaimer: The Champagne Mile may receive a commission from the card issuer if you apply for this card

amex essential card

American Express Essential Credit Card: $0 Annual Fee

amex essential card

Eligibility criteria, minimum spend, terms and conditions apply

$0 Annual Fee

Pay a $0 Annual Fee to hold the card

Smartphone Screen Cover

Access up to $500 for screen repairs when you pay your phone bill or monthly contract on your Card

Get rewarded when you spend

Earn up to 1.25 Membership Rewards points per $1 spent

Are you looking for a rewards credit card that offers a versatile points scheme, a range of insurances, and a number of card benefits, but with $0 Annual Fee? Enter the American Express Essential Credit Card.

This popular rewards credit card delivers smartphone screen cover and a range of other benefits – with a $0 Annual Fee.

Go to the Amex website to apply now (secure, mobile-friendly application form here).

Or, find out more about this popular American Express Credit Card.

Why we love the American Express Essential Credit Card

The American Express Essential Credit Card is a popular choice for those seeking to earn rewards on everyday spend, whilst enjoying a $0 Annual Fee and a low-interest rate.

Read on to discover the key features of this card, or apply directly via the Amex website.

Enjoy a $0 Annual Fee

With the American Express Essential Credit Card, you’ll pay a $0 Annual Fee to hold the card.

Earn points on your spend

The American Express Essential Card delivers a solid earn rate on day-to-day spend. For every $1 you spend on purchases, you’ll earn 1.25 Membership Rewards ‘Gateway’ points. This includes spending on utilities, insurance, and telecommunications. The only exception is spending at government bodies in Australia, where you’ll earn 1 point per $1 spent.

And best of all, there’s never a cap on how many points you can earn with the American Express Essential Credit Card – regardless of how much you spend each month or year.

Points Transfer Rates

The American Express Essential Credit Card unlocks transfers to a range of airline and hotel rewards programs at the following rates:

Airline partnerRedemption rate
Velocity Frequent Flyer2 Membership Rewards points = 1 Velocity Point
Qatar Airways Privilege Club2 Membership Rewards points = 1 Avios
Cathay Pacific Asia Miles2 Membership Rewards points = 1 Asia Mile
Etihad Guest2 Membership Rewards points = 1 Etihad Guest Mile
Hawaiian Airlines2 Membership Rewards points = 1 Hawaiian Mile
Malaysia Airlines2 Membership Rewards points = 1 Enrich Mile
Thai Royal Orchid Plus2 Membership Rewards points = 1 Royal Orchid Plus Mile
Singapore KrisFlyer3 Membership Rewards points = 1 KrisFlyer Mile
Emirates Skywards3 Membership Rewards points = 1 Skywards Mile
Air New Zealand200 Membership Rewards points = 1 Airpoints Dollar
Hotel partnerRedemption rate
Marriott Bonvoy3 Membership Rewards points = 2 Marriott Points
Hilton Honors2 Membership Rewards points = 1 Honors Point

Enjoy the flexibility of the American Express Membership Rewards program

Rather than being locked into one frequent flyer scheme, the versatile Amex Rewards Gateway program allows you to earn points now and decide what to do with them at a later date. Your points transfer to the following airlines:

Tip: While you can’t send your points to Qantas, by transferring them to OneWorld partner airline, Cathay Pacific, you can book Qantas-operated flights at competitive points redemption rates. We’ve previously written about redeeming Cathay Pacific Asia Miles for Qantas flights here.

american express essential credit card
You could unlock reward flights in Singapore Airlines business class when you earn with your American Express Essential Credit Card

Plus, American Express Membership Rewards points can also be redeemed online with Webjet, Helloworld Travel, and Amex Travel.

Unlike many loyalty schemes, as long as your account is in good standing, your Membership Rewards points will never expire.

Not into flights or nights? Use your Amex Membership Rewards points in other ways

Not everyone wants to travel. Above and beyond travel-related redemptions, you can use your Amex Membership Rewards points to book a holiday with American Express Travel, redeem for PayPal expenses, or obtain gift vouchers at popular retailers like David Jones or Bunnings.

You can also use your points to pay off the balance on your card, or credit your points to individual transactions on your online statement.

Access handy Smartphone Screen Cover

Protect your Smartphone Screen from a life-shattering crack. Simply pay your phone bill or monthly contract on your American Express Essential Credit Card and you’re protected when it comes to a busted phone.

With Smartphone Screen Cover, American Express will reimburse you for the cost of the front screen repair up to $500 with a 10% excess per claim. For more information, refer to the Product Disclosure Statement for the American Express Essential Credit Card Insurances here.

Enjoy wide acceptance of your American Express Essential Credit Card

You can happily swipe your card at hundreds of thousands of Australian merchants that accept Amex. In fact, over 120,000 new merchants have joined Amex since January 2017.

From Bunnings to BP, you’ll be surprised at just how widely your card is welcomed. This includes airlines, supermarkets, petrol stations, restaurants, small retailers, and more.

Access Apple Pay, Samsung Pay and Android Pay

Tap and go with Apple Pay, Samsung Pay, and Google Pay. It’s simple to set up on your smartphone and will allow you to pay with ease when you’re out and about.

Unlock exclusive shopping and entertainment benefits

Above and beyond the rich rewards we’ve outlined above, the American Express Essential Credit Card unlocks a range of useful benefits that are even sweeter with a $0 Annual Fee. These include:

  • Amex Offers: Access “Spend and Save” promotions that reward you with a statement credit when you register for offers on your card and hit a minimum spend threshold (e.g. spend $200, get $40 back at David Jones, or spend $500 and get $80 back at Qantas)
  • Amex Invites: Experience sought-after events like music, theatre and film, via pre-sale tickets and exclusive seating
  • Amex Entertainment Lounges: Enjoy exclusive lounge access before popular shows, with food and drinks available to purchase

Other Amex Essential Credit Card features

The American Express Essential Credit Card delivers a range of other valuable Card Member benefits. These include:

  • 18.99% p.a. interest rate on purchases (T&Cs apply)
  • Pay $0 Annual Fee for up to 4 additional cardmembers, and
  • Enjoy Card Purchase Cover and Card Refund Cover, Online Fraud Protection Guarantee and Emergency Card Replacement.

You can access the Key Fact Sheet for the Amex Essential Credit Card here.

American Express Essential Credit Card eligibility

To apply for the American Express Essential Credit Card, you’ll need to be 18 years or over, an Australian citizen or permanent resident or hold a long-term visa. Long-term means 12 months or more and does not include a student visa.

Ready to apply? The secure, mobile-friendly application form should take you less than 10 minutes to complete and Amex may be able to give you a response in 60 seconds.

The Champagne Mile may earn a commission when you apply for this Card via a link in this post. Thanks for your support. 

American Express Essential Credit Card: $0 Annual Fee

amex essential card

American Express Essential Credit Card: $0 Annual Fee

Eligibility criteria, minimum spend, terms and conditions apply

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