Divide & conquer
with Plan It® Instalments
Now you can split individual purchases
into equal monthly instalments*
Divide & conquer
with Plan It®
Now you can split individual purchases into equal monthly instalments*
Use Plan It to pay off transactions or a portion
of your balance in equal monthly instalments*
Plan It is a feature on your American Express® Business Credit Card or personal Credit Card
that allows you to pay off transactions or a portion of your balance in equal monthly instalments.
There’s no interest but a fixed monthly fee applies.
It’s already on your Card so you can start dividing and conquering today.
Two ways to Plan It
Step one
Log in to your online account or app, and select the item you want to pay in instalments (min. Amount $100).
Step two
Choose between a 3, 6 or 12-month plan.
Step three
Review and confirm your repayments, which includes the monthly fee. Your plan amount will be automatically included in your Minimum Payment Due each month.
Step one
Log in to your online account or app,
and select the portion of your balance you want to pay in instalments (min. Amount $100).
Step two
Choose between a 3, 6 or 12-month plan.
Step three
Review and confirm your repayments, which includes the monthly fee. Your plan amount will be automatically included in your Minimum Payment Due each month.
0% interest
Just a fixed monthly fee
You’re in control
Pay over 3, 6 or 12 months
No applications
It’s already on your Card
Plan your payments with our Plan It Calculator
To see how Plan It works. Enter an amount of $100 or more that you would like to move into an instalment plan. You will be shown the monthly instalment and fee for each plan duration. Figures quoted are indicative only, actual amounts will depend on the American Express Card product you hold. Terms and Conditions apply.*
3 months
6 months
12 months
See it in action
Who can use Plan It?
Business and personal Credit Card Members have access to Plan It. With Plan It, you’ll know exactly how much to pay each month and can cancel anytime. For business owners, this is a great way to manage cashflow while paying off those large expenses.
For everyone else, it’s a great way to tackle those big purchases without paying interest. A fixed monthly fee and T&Cs apply.*
Ready to divide and conquer? Try Plan It® today
*Plan It® Terms and Conditions
- You can create an Instalment Plan as long as your account is in good standing. We may withdraw this offer, prevent you from creating any new Instalment Plans or cancel any of your existing Instalment Plan(s) at any time if your Card Account is overdue, or if you do not comply with your Card Conditions.
- The minimum Plan amount is AUD$100. We may also limit the amount that can be transferred to an Instalment Plan.
- You will be charged a Monthly Plan Fee for each Instalment Plan created. This fee will be charged each month your Instalment Plan is active and will be disclosed to you at the time of creating your Instalment Plan.
- Each Instalment Plan will begin from the date it is successfully created, as communicated to you in your Online Account.
- Payment of your first Monthly Instalment will be due in your next payment cycle.
- You may request to cancel your Instalment Plan(s) at any time through your Online Account or the Amex App. Any billed Monthly Plan Fees will remain payable, but no further Monthly Plan Fees will be billed after cancellation is effective. As cancellation can take 24-48 hours to process (“Processing Time”), you may be charged a further monthly plan fee after requesting cancellation if the Processing Time occurs on your payment date.
- View the full Plan It® Instalment Terms and Conditions here