Membership Rewards

Membership Rewards is the loyalty program of American Express. For every dollar spent on an eligible American Express Card, Membership Rewards points are earned and credited to the Card Member’s Account. Points can then be redeemed for travel rewards, shopping rewards and entertainment rewards and more.

Enrolment varies depending on the type of American Express Card you have.

If you hold a Personal Card, you are automatically enrolled and can start enjoying the benefits of Membership Rewards as soon as you start spending on your Card^*.

For Business Cards only individual Card Members, not companies, may participate in the program. To enrol, please call the number on the back of your Card.

If you hold a Corporate Card, you may only enrol in Membership Rewards if your Company has chosen to participate in the program. Speak to your Company’s Program Administrator for more information.

For Program Administrators, if your Company would like to participate in Corporate Membership Rewards please speak to your Account Manager or contact our servicing team on 1300 655 300.

To view the full Terms and Conditions of the program, click here.

*Available to eligible Card Members only.

Yes. Eligible Accounts that are enrolled in the same program are automatically linked.

If your Cards do not link in the same Membership Rewards program, please call the number on the back of your Card.

In most cases, you’ll receive your welcome bonus within 8-10 weeks of meeting the spend criteria.

Please note: Card Members who have held an American Express Card within the 18 months prior to signing up for their new Card are ineligible for the welcome bonus offer.

Login to view your Membership Rewards points history

Once your Card is enrolled in Membership Rewards, you’ll automatically earn points on all purchases. Click here and select your Card to find out how you can earn and redeem points.

To ensure that you are up to date with your points balance, simply log in to your Online Account or the Amex App.

Here are some tips to boost your points balance:

For Personal Card Members

1. Use your Card for all your everyday purchases (view a selection of American Express-accepting retailers here)
2. Use your Card for high value purchases like travel
3. Add an Additional Card to your Account.
4. Refer a friend to American Express

For Business and Corporate Card Members

1. Make fast, secure payments, even to merchants who don’t accept Card payments with Access Line^*
2.  Send and receive international payments

The information contained in this website has been prepared without taking into account your objectives, financial situation or needs.

You should read the PDS and consider the appropriateness of International Payments in relation to your individual requirements. Terms, conditions, fees and charges apply. For further information, please refer to the relevant PDS: Telegraphic Transfers.  

AccessLine is not available to individual consumers. To enrol in this service, your business will be required to complete an application, which is subject to review and approval by American Express. For a copy of the application, including terms and conditions, call 1300 885 749. Users need to have an American Express Corporate Card or American Express Business Card, an FX International Payments account and be registered to use AccessLine. International Payments are arranged through American Express International Inc. (ABN 15 000 618 208 AFSL No. 237996). Incorporated with Limited Liability in Delaware, USA. ® Registered Trademark of American Express Company. © 2015 American Express Company. All rights reserved.

Yes. Once enrolled in Membership Rewards, Additional Card Members will earn points at the same rate as the Primary Card Member, and their points will be credited to the Primary Account.

Your Membership Rewards statement period may not match your Card statement. So, if there are charges on the Account after the statement cut off, they will be reflected in your next statement, not your current one. Alternatively, you can log in to your Online Account or the Amex App to view your up-to-date balance, instantly.

The rate at which you earn points also varies on the type of Card you have. Select your Card here to find out more.

Your Membership Rewards points can be redeemed for eligible flights, accommodation, Gift Cards, shopping and more. To explore the full range of options available to you, view the Catalogue by following the link below.

Many of our rewards provide the option for you to pay with a combination of points plus a payment on your Card*.

For example, if travel rewards are what you're after, you can use your points online at American Express Travel Online, Webjet or in-store at Helloworld Travel and pay the remaining balance on your Card.

Please note that you will not be awarded points for the pay portion of a Points + Pay redemption.

* Points may be redeemed by the Card Member for a Credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Card Member's other Accounts with American Express are not in good standing. The redemption of Points for Credit will be administered solely by American Express within 3 business days and cannot be reversed. Redeeming Points for Credit is not available for redemption by Corporate Card Accounts and is not redeemable for cash via Credit balance refund. Minimum redemption amounts apply.

You can check your Membership Rewards points balance to see how many points can be redeemed easily online. Simply log in to your Online Account or the Amex App.

No. Your points won’t expire as long as your Account is kept in good standing.

American Express is proud to be associated with a number of hotel and airline partners. Save money on flights and accommodation by transferring Membership Rewards points to up to 11 airline and hotel partner programs (up to 12 if you have a Platinum Card) ranging from Hilton to Qantas and Velocity depending on your Membership Rewards program. To learn more about our partners and how you can transfer your points, click the link below.

*Eligible airline partners depend on the Card you hold. Please refer to your individual Card Terms and Conditions.

Learn more about Airline and Hotel Partners

You can transfer your points to up to 12 airline and hotel partner programs by following these steps:

1. Link your Membership Rewards Account to your Frequent Flyer or guest loyalty Account. If not already linked:.
   1. Visit the Membership Rewards page to view the Frequent Traveller Partners.
   2. Select the tab that says “Link more partner programs”
   3. Select “add another partner program’.
   4. You are then given the option to add your Partner Account Number.

2. Select an amount of points to transfer (Remember: all transfers are final, so it’s important to check flight and hotel availability, as well as points needed before transferring).

3. Check your Frequent Flyer or guest loyalty Account to confirm your points have been transferred, then redeem directly through them. Most transfers take between 1 - 3 days. However, to avoid any unnecessary delay, it's best you allow 5 business days. Please check the Terms and Conditions for your partner to ensure you allow sufficient time to transfer your points.

Note: Please ensure you select an ‘Accepted’ partner account, or ‘Add Another Partner Program’ with the full name and account number matching that held with the partner.

For information on each program’s Terms and Conditions, click here.