Flexible finance
at your fingertips
Your American Express Card comes with a range of flexible business or personal
finance and lending solutions to help you take the next step.
Plan It® Instalments1
Pay off a portion of your balance or a specific purchase in equal monthly instalments.
Pay Over Time2
Pay at least your minimum amount due and carry over the rest. Interest charges apply.
Plan It® Instalments1
Plan It® Instalments is a feature on your American Express Credit Card that allows you to pay off a specific eligible purchase, or a portion of your balance, in equal monthly instalments.
Choose between 3, 6 and 12 month terms for a set monthly fee.1
Plan It® Instalments1
Plan It® Instalments is a feature on your American Express Credit Card that allows you to pay off a specific eligible purchase, or a portion of your balance, in equal monthly instalments.
Choose between 3, 6 and 12 month terms for a set monthly fee.1
- Available on Credit Cards
- Fixed monthly fee
- 3, 6 or 12 monthly instalments
- Available on Credit Cards
- Fixed monthly fee
- 3, 6 or 12 monthly instalments
Pay over time2
Having an American Express Credit Card allows you to repay the amount due over time. However, making higher repayments over a shorter term will leave you with more available credit to use when needed.
You may also receive promotional rate offers throughout the year if you match certain eligibility, so watch out for those as a way of paying your balance down quicker.2
Pay over time2
Having an American Express Credit Card allows you to repay the amount due over time. However, making higher repayments over a shorter term will leave you with more available credit to use when needed.
You may also receive promotional rate offers throughout the year if you match certain eligibility, so watch out for those as a way of paying your balance down quicker.2
- Available on Credit Cards
- No application required as it is a built-in feature
- Choose the amount to pay back flexibly
- Interest charges and limits apply. Check your Account Statement for your interest rate
Manage your limit3
If you’d like to make changes to your credit limit, you can request this through your Online Account or call the number on the back of your Card.
Manage your limit3
If you’d like to make changes to your credit limit, you can request this through your Online Account or call the number on the back of your Card.
- All Credit Cards have a maximum and a minimum Credit limit
- You can request to change your Credit limit at any time
Add Additional Cards to your Account4
Linking up to 4 Additional Cards to your Primary Account is a great way to share some of the American Express benefits you enjoy.
If you have an eligible points earning Card, then all points earned on your Additional Cards will accumulate onto your Primary Account.
Add Additional Cards to your Account4
Linking up to 4 Additional Cards to your Primary Account is a great way to share some of the American Express benefits you enjoy.
If you have an eligible points earning Card, then all points earned on your Additional Cards will accumulate onto your Primary Account.
- Maximise your points potential ELIGIBLE CARDS ONLY
- Complete visibility of all Additional Card transactions
- Fraud Protection Guarantee5
How your interest-free period works6
Your Card interest-free period, or interest-free days is the time between making a Card purchase and when interest is applied to that purchase.
To qualify for interest-free days you do need to pay the full closing balance of your monthly statement by the due date.
Making purchases on the day your new statement period begins is a simple way to maximise your Credit Card interest-free days.
1. Plan It® Instalments
- 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
2. Pay Over Time
When your statement arrives, you’ll have a choice of repayment options. By making higher repayments over a shorter term, you'll have more available credit to use when needed. You can pay off the entire closing balance on, or before, the statement due date, in which case you’ll avoid paying interest. Or, you can choose to pay your closing balance over time by paying at least the minimum monthly payment amount. This option will mean you will be paying interest. For more information see Credit Card Repayments at americanexpress.com/au/credit-cards/about-credit-cards/repayments
3. Credit Limit
All American Express Credit Cards have a maximum Credit limit. Your highest limit will depend on your financial circumstances and the Credit Card you choose and will be subject to our approval criteria. You should ensure that you nominate a Credit Card limit that’s in line with your current financial circumstances. For more information see Credit Card Limits at americanexpress.com/au/credit-cards/about-credit-cards/limits/
4. Additional Cards
Additional Card Members must be 16 years of age or over. The Primary Card Member will be liable to pay for all transactions made by Additional Card Members. Earning of points is subject to the terms and conditions of the Rewards Program the Primary Card Member is actively enrolled. Earning of Cashback is subject to the Terms and Conditions of the American Express Cashback Credit Card Rebate Program the Primary Card Member is actively enrolled. All points or Cashback earned on Additional Card Member spend will go to the Primary Card Members Account.
The following Cards may incur annual Card fees. Please refer to your financial table to see if your Card will incur an annual fee.
- The American Express Gold Card: $65 per Additional Card per year may apply.
- The American Express Green Card: $45 per Additional Card per year may apply.
- The American Express Rewards Advantage: $65 per Additional Card per year may apply.
- The American Express Gold Credit Card: $20 per Additional Card per year may apply.
- The American Express Blue Credit Card: $20 per Additional Card per year may apply.
5. Fraud Protection Guarantee
Provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.
6. Interest-free period
Refer to your Card Member Agreement for a full breakdown of how interest is calculated.
It's your move with a range of powerful finance solutions that can help you grow your business and manage cash flow.
Plan It ® Instalments1
Buy what your business needs now and pay it off over fixed monthly instalments
Flexible Payment Option2
Free up cash flow by paying off your Charge Card balance over time.
Split up big purchases with Plan It® Instalments1
Plan It® Instalments can help you divide and conquer a specific transaction, or a portion on your Credit Card balance by splitting it up into equal monthly instalments. All you’ll pay is a fixed monthly fee.
Split up big purchases with Plan It® Instalments1
Plan It® Instalments can help you divide and conquer a specific transaction, or a portion on your Credit Card balance by splitting it up into equal monthly instalments. All you’ll pay is a fixed monthly fee.
- Available on credit cards
- Fixed monthly fee
- 3, 6 or 12 monthly instalments
- Available on credit cards
- Fixed monthly fee
- 3, 6 or 12 monthly instalments
Get an instant line of credit with Flexible Payment Option2
Instead of paying your Charge Card balance in full each statement period, you can choose to pay off a portion of it over time, helping you free up funds as your business moves.
Get an instant line of credit with Flexible Payment Option2
Instead of paying your Charge Card balance in full each statement period, you can choose to pay off a portion of it over time, helping you free up funds as your business moves.
- Available on charge Cards
- Built-in feature on the Card
- Interest charges and limits apply. Check your Account Statement for more details
Choose how much to pay off your Card each month
Instead of paying off your Card balance in full, you can also pay back the minimum balance. The unpaid balance will then be carried into next month and you’ll pay interest on the debt.
Choose how much to pay off your Card each month
Instead of paying off your Card balance in full, you can also pay back the minimum balance. The unpaid balance will then be carried into next month and you’ll pay interest on the debt.
- Available on all Credit Cards
- Interest charges can apply
- You choose the amount over the minimum repayment
Give yourself more time3
Keep cash in your business longer with up to 51 or 55 days to pay for Card purchases. This means you can pay your suppliers on time, but you don’t need to part with the funds until your statement is due.
Give yourself more time3
Keep cash in your business longer with up to 51 or 55 days to pay for Card purchases. This means you can pay your suppliers on time, but you don’t need to part with the funds until your statement is due.
- Available on all Cards
- Days to pay varies depending on your Card
Manage your limit4
If you’d like to access more funds than your current limit allows, you can apply to increase your limit through Online Services or call the number on the back of your Card.
1. Plan It® Instalments
- 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
2. Flexible Payment Option
With Flexible Payment Option, you will be charged interest if you do not pay your Closing Balance in full by the due date each month. Please refer to your monthly statements for the current interest rate. Please refer to the full Flexible Payment Option Terms and Conditions
3. Pay over time
When your statement arrives, you’ll have a choice of repayment options. By making higher repayments over a shorter term, you'll have more available credit to use when needed. You can pay off the entire closing balance on, or before, the statement due date, in which case you’ll avoid paying interest. Or, you can choose to pay your closing balance over time by paying at least the minimum monthly payment amount. This option will mean you will be paying interest. For more information see Credit Card Repayments at americanexpress.com/au/credit-cards/about-credit-cards/repayments
4. Credit limit
All American Express Credit Cards have a maximum Credit limit. Your highest limit will depend on your financial circumstances and the Credit Card you choose and will be subject to our approval criteria. You should ensure that you nominate a Credit Card limit that’s in line with your current financial circumstances. For more information see Credit Card Limits at americanexpress.com/au/credit-cards/about-credit-cards/limits/.