Shopping and Credit Card Protection
American Express® Card protection benefits mean you can shop with confidence using your eligible Charge or Credit Card for eligible purchases. Find out how Card Purchase and Refund Cover works .
Secure shopping, both online and in-store
We keep looking out for you even after you've made your purchase and brought it home. Our range of Card protection benefits means you can shop with confidence using your eligible Charge or Credit Card for eligible purchases.
Card Purchase Cover
When you make a purchase on your eligible American Express Card, you can be reimbursed for up to 90 days from the date of purchase if the eligible item is stolen or accidentally damaged. Exclusions, limits and excess apply. Please refer to the Terms and Conditions of your eligible Card to view the full details on Card Purchase Cover.1
Card Refund Cover
Card Refund Cover1 can help if you’re having trouble getting a refund for an eligible item purchased within 90 days on your eligible American Express Card.
Exclusions and limits apply. Please refer to the Terms and Conditions of your eligible Card to view the full details on Card Refund Cover
Buyer's Advantage Cover
If your warranty has run out just as you need it, Buyer’s Advantage Cover1 may have you covered. With select American Express Cards, you could enjoy an extended manufacturer’s warranty of up to 12 months for eligible purchases made on your Card.
Exclusions and limits apply. Please refer to the Terms and Conditions of your eligible Card to view the full details on Buyer’s Advantage Cover.
What do you want from a Card?
Everyone’s different, so you need a Card that has benefits that best suit your lifestyle.
Choose the Card with benefits that best suit you.
Travel
Earn Membership Rewards® points from
everyday spending
Frequent Flyer
Maximise rewards for
every trip
Platinum
Enjoy premium
benefits and service
Rewards
Make living your
best life go further
Life with Amex
From money-saving ideas to travel inspiration and daily life tips, get inspired to do great things and make your life more rewarding.
Other service and security benefits
Prevent Phishing
A range of simple and effective ways to protect yourself from phishing.
SafeKey Secure Technology
Cutting-edge Secure technology adds extra levels of security to protect you against online fraud.
Fraud Protection and Alerts
Use your Card with confidence, prevent fraud and shop safely.
1. American Express 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 Card to pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read your American Express 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.