Divide the purchase.
Conquer the payments.
Split individual purchases or a portion of your
balance into equal monthly instalments1
Split individual purchases
or a portion of your balance
into equal monthly instalments1
Whether it’s a planned purchase or an unplanned one, Plan It® Instalments lets you divide the purchase and conquer the payments with equal monthly Instalments.
Plan It Instalments 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 payments. There’s no interest but a fixed monthly fee applies. It’s a built-in feature already available on your card, so you can start dividing expenses and conquering the payments today.
No 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® Instalments calculator
To see how Plan It® Instalments 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
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.
See it in action
Business Card Member? It’s your move
Your Amex Business Card comes with a range of lending options. Plan It is just one of the ways we can help you manage cash flow and fund business growth.
1. Plan It® Instalments
- You can create an Instalment Plan as long as your account is in good standing. We may 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.