Do Big Things with Plan It^®

What is American Express Plan It® Instalments?

Break down your costs and the stress of managing large payments with our payment feature: Plan It. Now you can turn shock bills into manageable instalments.

Choose between planning a portion of your Credit Card balance, or simply plan one eligible purchase at a time.

Plan It Amount-based enables you to plan a portion of your Credit Card balance over $100AUD into either 3, 6, or 12 month instalment plans. With Plan It, you won't be charged interest for amounts moved into an instalment plan, instead you'll pay a fixed monthly plan fee.

We’ve also taken Plan It to the next level with Plan It Purchase-based. This exciting new feature allows Card Members to plan individual purchases over $100AUD. So, whether you're purchasing a new washing machine or splurging on that dream holiday, you can pull the transaction into a monthly plan. Just like with the Amount-based feature, you'll pay 0% p.a. interest on purchases moved into instalment plans, however there is a fixed monthly fee.

Be in Control of Monthly Repayments with Plan It Instalments

Life is full of expense-intensive periods such as holidays, birthdays, or even moving to a new house. During these times, having options to manage your repayments can be a game-changer. Plan It is a different way to pay and can help takes the edge off, by allowing you to pay down your outstanding balance in equal monthly payments. And if you’re just not loving it, don’t worry; we make saying goodbye easy as we don’t charge a cancellation fee.

Keep Earning Rewards as an Amex Card Member

Who doesn’t love rewards? As an American Express Card Member, you enjoy a wide range of membership benefits. By choosing to plan your purchases, depending on your Card, you can continue to earn points on eligible purchases. What’s better, you can access and book all your travel needs through Amex Travel Online, where you can access premium stays, book low cost flights, and manage your bookings all in one place.

Browse Our Eligible Plan It Cards

To take advantage of the Plan It feature, you’ll need to have an American Express Credit Card. American Express offers a variety of Cards that provide the flexibility and benefits you need to make the most out of Plan It. Whether you're focused on travel rewards or other benefits, there's a Card for you. Visit our website to explore our range of eligible Plan It Cards and find the perfect fit for your financial needs.

With both the Amount-based and Purchase-based features, Plan It enables you to take control of your monthly repayments and stay on top of your budget with ease. As an American Express Credit Card Member, you can keep earning valuable rewards while enjoying the flexibility and convenience of Plan It. So why not take advantage of this innovative payment feature today!

Check out some of our most frequently asked questions (FAQs) about Plan It here.

• 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