Learn about the Credit and Charge Card fees you pay
and the ones you can avoid.
Types of Credit Card and Charge Card fees
On some Cards, we change an annual Card fee in return for richer rewards, features and benefits. The amount, and value of the rewards and benefits varies from Card to Card. In addition to an annual fee, you may be subject to the following fees.
| Consumer Credit Cards | Consumer Charge Cards | Business Credit Card | Business Charge Cards | |
|---|---|---|---|---|
| Types of fees | Amount | Amount | Amount | Amount |
| Additional Statement Fee | $10 | $10 | $10 | N/A |
| Cash Advance Fee (enrolled Card Members only) | $2.50 or 2% of the cash advance amount (whichever is greater) | $1.25 per withdrawal (Charged to the American Express account seperately) | $2.50 or 2% of the cash advance amount (whichever is greater) | N/A |
| Currency Conversion Fee | 3% of the converted amount | 3% of the AUD equivalent of the foreign currency transaction amount | 3% of the converted amount | 3% of the AUD equivalent of the foreign currency transaction amount |
| Dishonour Fee | $6 for each dishonour or debit rejection | $6 for each dishonour fee or debit rejection | $30 for each dishonour or debit rejection | $20 for each dishonour fee or debit rejection |
| Late Payment Fee | $30 | Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount. | $30 | Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount. |
| Record of Charge | $7 for charges in Australia, $10 for other charges | Payable when you or the Additional Card Member requests a copy of an individual charge. $7 for charges in Australia, or $10 for other charges. | $7 for charges in Australia, $10 for other charges | Payable when you or the Employee Card Member requests a copy of an individual charge. $7 for charges in Australia, or $10 for other charges. |
Some useful terms
Cash Advance Fee (enrolled Card Members only): Payable if you withdraw cash from your Credit Card account from an ATM.
Currency Conversion Fee: Payable when any charge is processed in a currency other than Australian dollars.
Dishonour Fee: Payable if there aren’t enough funds in your nominated account to pay the Card Account or if the whole or part of a payment by direct debit is rejected.
Additional Statement Fee: Payable if you or an Additional Card Member requests an additional posted monthly paper statement. You may access statements free of charge through your online Account.
Late Payment Fee: Payable if you do not pay the minimum payment required by the due date as shown on your statement.
Over The Counter Fee: Payable if you pay your Card Account in person at Australia Post1.
Record of Charge: Payable if you or an Additional Card Member requests a copy of an individual charge.
When do I pay my annual fee?
We will charge the annual Card fee in the month of your Card Membership anniversary.
How can I avoid paying an annual fee?
We have several Cards that do not come with an annual fee, offering both convenience and value. Find out if a no annual fee Card is right for you.
What is a Credit Card surcharge?
A surcharge is a fee that a business charges a customer for using a Credit Card to make a purchase. While American Express® strongly opposes surcharging, it is a cost that a business can choose to pass on to a customer if they wish.
Credit Cards with no annual fee
Discover the great benefits that come with a Credit Card with no annual fee, such as earning Membership Rewards on your everyday spending and Frequent Flyer points that can be used to redeem flights.
Earn Qantas Frequent Flyer Points on your everyday spend
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Want to learn more about Credit Cards?
Applying for a Card
Everything you need to know about making an application
Your credit limit
Everything you need to know about Credit Card limits
Interest explained
See how we calculate your monthly interest
1. Over the Counter Fee. In order to make EFTPOS or Cheque (where accepted) payments in person at Australia Post you must present your Card and current account statement. If you are enrolled in Online Statements you cannot make payments in person at Australia Post Offices.
2. Essential Card Insurance. The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Essential Credit Card to pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Essential Credit Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.