AU
How to apply for The American Express Essential® Credit Card?
Learn how easy and fast it is to apply for The American Express Essential® Credit Card and earn $100 back after spending $1,500 on eligible purchases within three months.
by Aline Augusto
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
Partner Offer through CreditCards.com
Apply for The American Express Essential® Credit Card: get a response within 60 seconds
If you want a zero annual fee credit card, take a minute to look at how easy it is to apply for The American Express Essential® Credit Card.
But first, check out the summary below on how many benefits you can get by getting this card:
- Earn up to 1.25 points on eligible purchases;
- Receive $100 back after spending $1,500 on eligible purchases within three months;
- Get up to 55 days of free interest;
- Enjoy a flexible redemption program;
- Pay no extra cost when adding cards;
- Get up to $500 as a Smartphone Screen Cover;
- Access exclusive offers at your favorite stores;
- Get purchase protection and Fraud Protection Guarantee;
- Access the Plan It™ Instalments to pay your bills.
Also, this AMEX has great travel perks.
If you want a card for your everyday needs, then learn how to apply for The American Express Essential® Credit Card.
How to apply for the Low Rate Credit Card
Are you looking for a card with great value and no annual fee? If so, read on to learn how to apply for the Low Rate Credit Card from American Express®!
You will be redirected to another website
Online Application Process
The application takes less than ten minutes, and you can get a response within only 60 seconds.
To apply for this card, you must:
- Be at least 18 years old;
- Be an Australian citizen or hold a long-term visa;
- Have no history of bad debt or payment default;
- Agree to access online statements via AMEX.
Also, the following documentation will be asked:
- Proof of income;
- Details of debts and expenses;
- Australian Driver’s License number (if you have it).
Then, access the official website to start applying. Firstly, you need to provide your personal information.
Secondly, your employment status and financial details.
Finally, you will be asked to personalize your card features to submit the application.
Application Process using the app
After applying online as described above, download the American Express mobile app to manage your card information and account.
The American Express Essential® Credit Card vs. HSBC Star Alliance Credit Card
On the other hand, if you want a card with more travel perks, check out the HSBC Star Alliance Credit Card.
Before applying, take a look at the comparison, though.
| The American Express Essential® Credit Card | HSBC Star Alliance Credit Card | |
| Credit Score | Good (no history of bad debt or payment default) | Good – Excellent |
| APR | 16.99% on purchases Rates & Fees | 19.99% p.a. on purchases; 21.99% p.a. on cash advances |
| Annual Fee | $0 Rates & Fees | $0 (in the first year);$450 thereafter |
| Fees | Foreign Transaction fee: 3% of a converted amount Rates & Fees | Cash Advance Fees: The higher of 3% or $4; Late Payment Fees: $30; Overseas Exchange Fees: 3% |
| Welcome bonus | $100 back when applying online and after approval spending at least $1,500 on eligible purchases within 3 months *Terms Apply | Fast track to Star Alliance Gold Status in the first year after spending at least $4,000 on eligible purchases within 90 days of the account opening |
| Rewards | 1.25 points per dollar spent on purchases excluding government bodies; 1 point per dollar spent at government bodies *Terms Apply | 1 Star Alliance Point per dollar spent on eligible purchases, up to $3,000 (per statement period); 0.5 Star Alliance Points per dollar spent on eligible purchases, then |
Then, learn how to apply for an HSBC Star Alliance Credit Card.
How to apply for the HSBC Star Alliance Card
Learn how to apply for an HSBC Star Alliance Credit Card and earn a complete range of travel benefits at a $0 annual fee in the first year!
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
Partner Offer through CreditCards.com
Aline Augusto
Aline Barbosa
Senior Editor
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