1. Membership Rewards: Subject to the Terms and Conditions of the Membership Rewards® program available at americanexpress.com/en-au/rewards/membership-rewards/terms.
Earn 3 points per $1 spent directly at these selected merchants: Xero, Google Ads, Meta for Business, Amazon Web Services (AWS) and Dell. Spend made through an aggregator or intermediary 3rd party platforms for these transactions may not be eligible for accelerated points earn.
Earn 2 points per $1 spent with American Express® AccessLine. Excludes any special risk based pricing Customer transactions with AccessLine. This information has been prepared without taking into account your objectives, financial situation or needs. You should read the AccessLine Terms and Conditions.
and consider the appropriateness of Australian domestic payments using AccessLine in relation to your individual requirements. 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. To use AccessLine, you must have an eligible American Express Corporate Card or American Express Business Card that is registered to use the service. Terms, conditions, fees and charges apply. Learn more about AccessLine here.
Earn 1.5 points for every $1 spent everywhere else except government where you will earn 1 point for every $1 spent. Merchants classified as "government" include the Australian Taxation Office, the Australian Postal Corporation, Federal/State and Local government bodies. Industry-specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example, a payment made to Local Government bodies processed through a payment aggregator may earn points at the government earn rate.
After a total of 200,000 points is earned in a calendar year, you will earn 1 point for every $1 for all spend, uncapped and with no expiry. Points earned by Primary and Employee Card Members on a Card Account contribute to the 200,000 points threshold each calendar year and threshold resets on 1st January every year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.

2. AccessLine: This information has been prepared without taking into account your objectives, financial situation or needs. You should read the AccessLine Terms and Conditions and consider the appropriateness of Australian domestic payments using AccessLine in relation to your individual requirements. 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. To use AccessLine, you must have an American Express Corporate Card or American Express Business Card that is registered to use the service. Terms, conditions, fees and charges apply.

3. Points transfer: Subject to the Terms and Conditions of the Membership Rewards program. To transfer Membership Rewards points to an Airline or Hotel Partner Program you must be a member of the Partner Program. Membership of the Partner Program is the Card Member’s responsibility and is subject to the Terms and Conditions of the applicable Program. A joining fee may apply.

4. American Express Travel Online: To redeem Membership Rewards points, Cards must be enrolled to the American Express Membership Rewards program, and your Card Account must be in good standing. To redeem Membership Rewards points with American Express Travel Online, you need to have available limit on your Card for the full transaction amount of the booking. You will then receive a statement credit within 3 business days for your points redemption. If the credit isn’t on the same statement as the transaction, it should appear on your next statement. Please pay all amounts due each month. You will earn Membership Rewards points on the full dollar amount charged to your Card. All bookings are subject to the terms and conditions of our Membership Rewards Program. For full Terms and Conditions please visit the Membership Rewards website.

5. Redeem for travel: Minimum redemption amounts apply. You can redeem points for prepaid travel of a nominated value through Webjet.com.au and helloworld with the point-of-purchase redemption capability. Travel bookings using points may be made for any person, provided all your accounts are kept in good standing and are not overdue. Partner Terms and Conditions apply. Subject to the Membership Rewards Terms and Conditions and the partners' booking terms and conditions.

6. Shop with Points: Subject to the Terms and Conditions of the Membership Rewards program available here.

7. Points for Credit: Points may be redeemed by the Basic Card Member for a credit on the Primary Card Account (the Card which your Membership Rewards points balance appears online). 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 redeemable for cash via Credit balance refund.

8. Gift Cards: Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of minimum 1 year from the date of issue, unless otherwise stated. We are not responsible if any Gift Card is lost, stolen, or destroyed, or the Gift Card is used without your permission. Membership Reward terms and conditions apply. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details.

9. Shop PayPal with Points: Eligibility to ‘Shop PayPal with Points’: You can use your Membership Rewards with PayPal on eligible transactions (‘Shop PayPal with Points’) if you are the Primary Card Member of an eligible American Express® Card issued by American Express Australia Limited; your Card is enrolled in an eligible Membership Rewards program; and your Card Account is in good standing (i.e., not overdue or in collections). Additional or Employee Card Members, Card Members enrolled in Qantas or Velocity Direct program, Business Ascent program or Business Card Members with spend locked to one supplier or Card Members who hold an American Express David Jones Store Card are not eligible to Shop PayPal with Points. 



Using ‘Shop PayPal with Points’:


To use points through PayPal, you must first sign in to your PayPal account. Once you are signed in, you can link your eligible Card to your PayPal account. Once you have linked your Eligible Card to your PayPal account, it will appear in your PayPal wallet. Any Eligible Card that is already in your PayPal wallet is already linked. After you have linked your Eligible Card, you can view your Membership Rewards point balance and its associated dollar value for use on PayPal. At checkout, select and confirm the Membership Rewards option and enter the dollar amount you would like applied as a statement credit toward your associated purchase. This dollar amount cannot be higher than the amount of available points displayed to you. You may edit your selection before completing your associated purchase. You will then be charged the full dollar amount to your selected American Express Card and will receive a Statement Credit in exchange for your points redemption. The credit will be posted to your American Express account within 2 to 4 days. Depending on when your next Card statement is due, the statement credit may not appear until your next statement period. 



New PayPal Account :

After you create a new account at Paypal.com/au and link your Eligible Card, you will automatically be shown the available point balance and its associated dollar value for use through PayPal. During checkout, check the “Use Membership Rewards® points for a statement credit” box, confirm the dollar amount of the statement credit you would like to receive, and then finalise your purchase order.


Existing PayPal Account


While checking out using your existing PayPal Account with your existing Eligible Card on file, you will automatically be shown the available point balance and its associated dollar value for use. During checkout, check the “Use Membership Rewards points for a statement credit” box, confirm the dollar amount of the statement credit you would like to receive, and then finalise your purchase order.
Please note that the use of Membership Rewards points will only be displayed for eligible Australian PayPal sellers. American Express and PayPal maintain the right to exclude sellers at their discretion at any time.

The minimum redemption value is 1,000 Membership Rewards points. The maximum points redemption is the lower of the total transaction value or the total points available in your Membership Rewards account. The number of rewards points needed for a statement credit may vary over time. The points required for the credit value will be displayed during the checkout process, prior to submission.
The full transaction amount will be charged and appear on your account and the credit will appear within 2 to 4 days of the charge (this may not be the full transaction amount depending on how many points you choose to redeem). The credit may not appear on the same statement as the full transaction amount is charged to, but may appear on your next statement. If this occurs, you must still pay the amount due on your statement by the due date. 

Returns & Refunds The Card Terms and Conditions continue to apply when you Shop PayPal with Points. You must continue to make payments as outlined on your Statement of Account and in your Card Member agreement, even when you Shop PayPal with Points. All Membership Rewards points are subject to the Membership Rewards Terms and Conditions available here.


PayPal Terms and Conditions apply

We may change or suspend the Shop PayPal with Points feature for any reason and at any time without prior notice, including when a Card account is not in good standing (overdue or in collections).