American Express Essential Credit Card

  • Balance transfer promotion:0% p.a. on balance transfers for the first 12 months
  2 reviews  American Express reviews


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Product Details

Bal.Trans.0% p.a. for 12 months with 3% balance transfer fee and then 14.99% p.a.
Credit ScoreGood
Interest-free PeriodUp To 55 Days
Card TypeAmerican Express
Minimum credit limit$2,000
Minimum monthly repayments2.50%, Min $30.00
Number of additional cardholders4
Points earned$1 up to 1 Membership Rewards® Point


  • Earn up to 1 Membership Rewards® point for every $1 spent
  • Smartphone Screen Insurance
  • 0% p.a. on balance transfers for the first 12 months
  • Low interest rate
  • Buyer’s Advantage
  • Refund Protection
  • Purchase Protection
  • Online Fraud Protection Guarantee
  • Emergency Card Replacement
  • Can be use with Apple Pay, Samsung Pay and Android Pay

Other Fees

Additional statement fee$10.00
Balance transfer fee3.00%
Dishonour fee$6.00
Foreign currency conversion fee3.00%
Late payment fee$30.00
Over the counter fee$3.00
Record of charge$7.00 for charges in Australia, $10.00 for other charges

Who Can Apply

  • Minimum Income - $40,000
  • You are aged 18 years or over
  • You are an Australian citizen or permanent resident or hold a current Business Long Stay Visa (subclass 457)
  • You have no history of bad debt or payment default

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