Earn up to 80,000 Bonus Points with American Express Essential® Rewards Credit Card

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

american express essential rewards credit card

Earn up to 80,000 Bonus Points with American Express Essential® Rewards Credit Card

american express essential rewards credit card

Eligibility criteria, minimum spend, terms and conditions apply

Earn up to 80,000 Bonus Points

Earn up to 80K Membership Rewards® points, in your first 120 days when you apply by 23/07/24 and are approved. Earn 20K Membership Rewards points for each 30 day period in which you spend $1K on eligible purchases on your Card for the first 120 days. *T&Cs apply. New Amex Card Members only.

Earn up to 5 points per $1 spent

Earn up to 5 Membership Rewards points per $1 spent on eligible purchases, for the first 10,000 points per month. Earn 1 point per $1 spent after that.

Other perks and benefits

Enjoy Smartphone Screen Protection Insurance, Amex Experiences, 24/7 Card Member service and more

American Express™ has launched the all-new Essential Rewards Credit Card, serving up accelerated points earn on spend at eligible restaurants, cafes, bars, selected food delivery, selected streaming services, selected major retailers and more.

The accelerated earn rate of 5 points per $1 spent across a range of Amex accepting locations classified as ‘Eats and Drinks’ which includes bars, pubs, restaurant’s fast-food locations and cafes. Some of our favourites include Merivale Restaurants & Bars, ALH pubs and restaurants, Chris Lucas Restaurants, Anyday Venues, The Boathouse Group Cafes, Toby’s Estate Cafes, 4 Pines Breweries, McDonalds, Sushi Hub, Fishbowl, Guzman & Gomez locations plus thousands more. Eligible food delivery services include Uber Eats and Menulog.

Plus, for a limited time, earn up to 80,000 Membership Rewards points, in your first 120 days when you apply by 23 July 2024 and are approved for the American Express Essential® Rewards Credit Card. 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 American Express Card Members only

American Express Essential Rewards Credit Card: The Lowdown

The American Express Essential Rewards Credit Card is designed to reward purchases across a wide range of lifestyle spending categories, offering an earn rate of up to 5 Membership Rewards points per $1 spent on eligible purchases.

Beyond the points earning potential, Amex’s new credit card comes with a range of ongoing benefits, including Smartphone Screen Cover, Purchase Protection, Access to Pre-sale tickets and experiences, access to American Express Card Member exclusive discounts via MyAmexShop and more. Insurance Terms conditions and exclusions apply.

The fee to hold the Card is just $9 per month, or $108 across a 12-month period.

Head to the American Express website to apply here (secure, mobile-friendly application form). Or, read on to learn more.

Get up to 80,000 Membership Rewards Points

The American Express Essential Rewards Card earns points into the Membership Rewards ‘Gateway’ program.
New American Express Card Members can earn up to 80,000 Membership Rewards points. You’ll receive 20,000 Membership Reward Bonus points when you spend $1,000 or more on eligible purchases on your new Card each 30 day period from the Card approval date for the first 120 days.

Offer is available when you apply by 23 July 2024 and are approved for the American Express Essential Rewards Credit Card. T&Cs apply. New American Express Card Members only.

What are 80,000 Membership Rewards points worth?

80,000 Membership Rewards points are equal to 40,000 frequent flyer points in programs such as Qatar Privilege Club, Cathay Pacific Asia Miles and Virgin Australia’s Velocity.

Alternatively, you could choose to convert the points into $400 credit back to your statement.

As a flexible rewards program, Amex Membership Rewards allows you to earn points now and decide what to do with them at a later date. As long as your account is in good standing, your points don’t expire.

Membership Rewards points can be transferred to multiple airlines and hotel programs, used to pay for purchases, or redeemed for gift cards online.

The leading airlines you can transfer points to include:

Earn up to 5 points per $1 on eligible spend

The headline benefit of the Amex Essential Rewards Credit Card is the potential to unlock accelerated points earning across a range of lifestyle spending categories, (on the first 10,000 points per month).

Earn 5 points per $1 spent on eligible eats & drinks purchases

First and foremost, earn 5 points per $1 spent at restaurants, fast food outlets, cafes, bars and selected food delivery services in Australia.

This is the highest points earn rate offered for eligible spend in the Eats and Drinks category for an American Express Card in Australia. It equates to an earn rate of 2.5 frequent flyer points per dollar with select leading airline programs.

This 5x per $1 is available across a range of Amex accepting locations classified as ‘Eats and Drinks’ which includes bars, pubs, restaurants fast-food locations and cafes. Some of our favourites include Merivale Restaurants & Bars, ALH pubs and restaurants, Chris Lucas Restaurants, Anyday Venues, The Boathouse Group Cafes, Toby’s Estate Cafes, 4 Pines Breweries, McDonalds, Sushi Hub, Fishbowl, Guzman & Gomez locations plus thousands more. Eligible food delivery services include Uber Eats and Menulog.

Earn 3 points per $1 spent on selected streaming subscriptions

Earn 3 points per $1 spent on the following streaming services:

  • Netflix
  • Stan
  • Prime Video
  • Spotify
  • YouTube
  • Disney+
  • Binge

Earn 2 points per $1 spent at selected major retailers

At the time of writing, eight merchants are classified as Selected Major Retailers for the purposes of accelerated points earning. These are:

  • Amazon
  • Kmart
  • Bunnings Warehouse
  • Uniqlo
  • Myer
  • The Iconic
  • JB Hi-Fi
  • Harvey Norman

Note that purchases with these merchants are only eligible for additional points if the transactions are made online or in-store in Australia.

1 point per $1 spent everywhere else

Finally, you’ll earn 1 point per dollar on all eligible spend outside the accelerated earn rate categories.

After a total threshold of 10,000 points is earned in a month, the earn rate will drop to 1 point for every $1 across all spend categories, until the threshold resets at the start of the next calendar month.

Get rewarded with other benefits

Above and beyond supercharged points earn, the American Express Essential Rewards Credit Card offers a range of other benefits, designed to offer value to Card Members each and every month. These include:

Smartphone Screen Cover: Accidentally broke the screen on your phone? You can be reimbursed for the cost of the screen repair up to $500 for two events a year. A 10% excess applies to the claimed amount. Waiting periods may apply. Terms, Conditions and Exclusions apply.

American Express Experiences: Enjoy once-in-a-lifetime experiences with access to pre-sale tickets. Enjoy exclusive access to live music, sports, theatre and more. Plus, Amex Card Members can take advantage benefits such as complimentary drink vouchers, 10% off food and beverages at select Amex Entertainment Lounges, Card Member only Entertainment Lounges and more.

MyAmexShop: Access American Express deals for on your favourite retailers online, and get credit back on eligible purchases when you shop with your Amex Card.

American Express Offers: Access credits and bonus point offers on shopping, dining, entertainment and more.

American Express Plan It: Plan It is a feature on your American Express Credit Card that allows you to pay off eligible transactions over $150 or a portion of your balance in equal monthly instalments. Choose between 3, 6 and 12 month terms, with no interest and a set monthly fee.

American Express Essential Rewards Credit Card fee

A fee of $9 is payable to hold the American Express Essential Rewards Credit Card each month. This equates to $108 across a 12 month period.

American Express Essential Rewards Credit Card Eligibility

To apply for the American Express Essential Rewards Credit Card, you’ll need to have no history of bad debt or payment default.

You must also be 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.

Card Members who currently hold or who have previously held any other Card product issued by American Express Australia Limited in the past 18 month period are ineligible for this offer excluding David Jones American Express Card Members, who are eligible for this offer

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

Earn up to 80,000 Bonus Points with American Express Essential® Rewards Credit Card

american express essential rewards credit card

Earn up to 80,000 Bonus Points with American Express Essential® Rewards Credit Card

Eligibility criteria, minimum spend, terms and conditions apply

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