American Express Essential Rewards Credit Card — Australia
1 point per AUD 1 other purchases; 5 eligible Australian dining, 3 selected streaming and 2 selected Australian major retailers. Accelerated earning applies to the first 10,000 points per month, then 1 per AUD 1.
- Annual card + required rewards fees
- A$108.00
- Reward currency
- Membership Rewards points
- Card type
- Personal credit card
- Mileage route
- Bank points
- Record checked
- 2026-10-14
- First-year card fee
- Not verified
How earning and transfers work
Transfer eligible Australian Membership Rewards to participating airline programs. Card-specific program tiers and partner ratios apply.
Eligibility and important conditions
18+; Australian citizen, permanent resident or eligible long-term visa holder; good credit history with no payment defaults. Income and expense evidence required.
AUD 9 per month annualized to AUD 108. Transfer ratios, detailed exclusions and rounding need further review.
- Fee waiver
- Not verified
- Transaction rounding
- Not verified
- Points expiry
- Not verified
- Minimum transfer
- Not verified
- Transfer fee
- Not verified
- Transfer timing
- Not verified
Verification and sources
Listed on official issuer website; application subject to approval
Product and mileage route sourced; published fee and earning summary recorded. Fields marked unverified still need review.
Missing values remain unverified. Earnings, caps, expiry and transaction rounding can differ from a simple headline rate. Numerical reward estimates are disabled unless the full earning model is supported.