American Express Payment Flexibility
Flexible lending at
your fingertips
When you need funds without the fuss, you’ll find American Express offers a range of flexible
business and personal lending solutions. Even better, because you’re an American Express Card
Member, your funds are already approved.
Plan It® Instalments
Pay at least your minimum amount due and carry over the rest. Interest charges apply.
Pay Over Time
Pay at least your minimum amount due and carry over the rest. Interest charges apply.
Plan It® Instalments
Plan It® Instalments
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Plan It 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
A Fixed monthly fee
Choose to repay over 3, 6 or 12 months
Monthly instalments
Pay over time
Pay over time
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Having an American Express Credit Card allows you to repay the amount due over time.2 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
Interest charges can apply
You choose the amount you repay each month, as long as it’s over the minimum repayment
Manage your limit
If you’d like to make changes to your credit limit, you can request this through Online Services or call the number on the back of your Card.
Add Additional Cards to
your Account
Linking up to 4 Additional Cards4 to your Primary Account is a great way to share some of the benefits of your American Express Membership, like Amex Offers5 and Fraud Protection6, with those closest to you.
All the Cards can be used at the same time in different places. If you have an eligible points earning card, it can allow you to maximise your points 4 potential, all points earned accumulate into your Primary Account.
Maximise your points potential
eligible cards only
Complete visibility of all Additional Card transactions
Fraud Protection Guarantee6
How your interest-free period works
The Credit Card interest free period, or ‘interest free days’, refers to the time between purchasing something with your Credit Card and when interest is applied to that purchase. Depending on your Card, this can be up to 25 days following the end of your statement period.
However, to qualify for interest free days you’ll need to pay the full closing balance of your monthly statement by the due date each month (excluding if you carry forward a balance from the previous statement period).
To get the most from your Credit Card's interest free days, make your purchase on the day a new statement period begins and pay the closing balance by the due date shown on your statement.7
Looking for a Card that suits your needs?
Explore and compare our range of Cards and their benefits to find the best choice for 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
1. Plan It®
- 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$150. 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 will leave you with 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. Amex Offers
The following are not Eligible Cards: Business Cards that are affiliated with a wholesale partner, American Express Business Travel Accounts, Government Cards, Corporate Purchasing Cards, Corporate Meeting Cards, Corporate Cards and the David Jones Storecard. To view Amex Offers, simply log into your Online Account or the American Express Mobile App. The Account must be in good standing order to be eligible for offers. Amex Offers are not available for Card Members under 16 years of age.
6. 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.
7. Interest-free period
Refer to your Card Member Agreement for a full breakdown of how interest is calculated.
Flexible Payment Option
An instant line of credit to pay off a portion of your balance over time.
Interest charges apply.
Plan It®
With equal monthly repayments there’s no interest, just a fixed monthly fee.
Business Loans
Do business your way with a competitive rate on an unsecured loan.
Flexible Payment Option
Flexible Payment Option
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If you have an American Express Charge Card, the Flexible Payment Option allows you to free up your cash flow with an instant line of credit. American Express Charge Cards have no pre-set spending limit (although that does not mean unlimited spending). This is dependent on several factors such as business income, expenses, and your business’s credit rating/history.
Instead of paying your balance in full each statement period, you can choose to pay off a portion of it over time.1
Interest charges and limits apply.
Available on Charge Cards
No application required
Choose the amount to pay back flexibly. Interest charges and limits apply. Check your Account Statement for your Interest Rate
Plan It
Plan It
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Plan It is a feature on your American Express Business Credit Card that allows you to pay off a specific transaction or a portion of your balance in equal monthly instalments.
Choose between 3, 6 and 12 month terms for a set monthly fee.2
Available on Credit Cards
Fixed monthly fee
Choose to repay over 3, 6 or 12 months
Monthly instalments
Business Loans
Business Loans
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If you’re an eligible Business Card Member, you can apply for an unsecured business loan – from $5,000 all the way up to $300,000 – to help take your business to the next level.
With a competitive interest rate and flexible terms from 12 to 36 months, it’s the ideal option to help your business reach its goals.3
Available to eligible Card Members
Competitive fixed rate of 13.95% p.a.
Flexible terms from 12 to 36 months
No setup, Account keeping, or early repayment fees
Pay over time
Pay over time
![](/content/dam/amex/en-au/credit-cards/membership-benefits/why-amex/payment-flexibility/GettyImages-6155033921.png)
Having an American Express Credit Card allows you to repay the amount due over time.4 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.
Available on Credit Cards
Competitive fixed rate of 23.99% p.a.
Interest charges can apply
You choose the amount you repay each month, as long as it’s over the minimum repayment
Manage your limit
If you’d like to make changes to your credit limit, you can request this through Online Services or call the number on the back of your Card.
Looking for a Business Card that suits your needs?
Explore and compare our range of Cards and their benefits to find the best choice for you and your business.
Platinum
Enjoy premium benefits and service
Qantas Business Rewards
Maximise your rewards on everything you spend
Business Explorer – Credit
Our Credit card that’s designed specifically for business
Gold – Charge
An everyday Charge card to help supercharge your business
1. 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 and PDS for number of interest free days. Membership Rewards enrolment required (an annual fee may apply). Subject to the Terms and Conditions of the Membership Rewards program available here. There may be tax implications associated with participation in the Membership Rewards program. You are advised to check with your accountant or tax adviser for further information.
For full Terms and Conditions please click here.
2. Plan It®
- 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$150. 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
3. Business Loans
This information has been prepared without having regard to your individual and/or business objectives, financial situation or needs, you should, before acting on this information, consider its appropriateness to your circumstances. This information is current as of 28 March 2024. American Express has the right to change, cancel or withdraw this offer at any time without notice. American Express Business Loans are unsecured commercial loans issued by American Express Australia Limited (ABN 92 108 952 085). This offer is only available to those who reside in Australia. Eligible American Express Business, Corporate and Consumer Card Members and American Express Merchants can apply for an American Express Business Loan. Minimum eligibility criteria apply, such as, but not limited to, a minimum $80,000 annual turnover, creditworthiness at the time of your application and other selection criteria, minimum one (1) year in business, the business must be GST registered and no bankruptcy (prior or recent). All information (including, but not limited to, maximum loan amount, rates, and loan term) are subject to change. To learn more, see American Express Business Loans Terms and Conditions at americanexpress.com/au/businessloans/t&c
4. Pay over time
When your statement arrives, you’ll have a choice of repayment options, by making higher repayments over a shorter term will leave you with 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
5. 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/
Payment flexibility made to suit your lifestyle with American Express.
There are a variety of ways to pay your Card bill, including American Express Online Services, Amex App, Direct Debit, American Express Card PayID, BPAY® or pay in person at any Australian Post Office.
All available methods of payment are detailed here.
Use your Credit Card now and pay later, with Plan It.
Plan ItTM Instalments is designed to give you the flexibility to pay off your Card balance the way you want. You can realise a dream and try new experiences, then pay off your balance in monthly instalments with 0% interest and a fixed monthly fee1.
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Plan It in 3 simple steps
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1. Choose an amount over $150 to pay from your total balance.
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2. Select the length of your instalment plan – either 3,6,9 or 12 months.
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3. Review the terms & monthly fee of your chosen plan and confirm. It’s that easy.
Know your repayment options
When your statement arrives, you’ll have a choice of repayment options. You can pay off the entire closing balance on, or before the statement due date, in which case you’ll avoid paying any interest. Or, you can choose to pay at least the minimum payment due. With this option, you’ll incur interest on outstanding balances.
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How to work with your interest free period
The best way to use your Credit Card is to aim to avoid paying interest, which means paying off a purchase within the interest free period. The Credit Card interest free period, ‘or interest free days’, refers to the time between purchasing something with your Credit Card and when interest is applied to that purchase. Depending on the card, this can be up to 25 days following the end of your statement period.
In the example below, the Credit Card has up to 55 interest free days and assumes that the previous two months’ balance has been paid in full.
1 Jan: Statement period begins
Your 30-day statement cycle begins from today.
10 Jan: You make a purchase
You have 45 Interest Free Days to pay for this purchase
30 Jan: Statement period ends
It’s been 30 days since the statement period began. You now have 25 days to pay your closing balance.
31 Jan: New statement period begins
24 Feb: Payment due date
Your interest free days end now. Pay your closing balance to avoid being charged interest.
Pay your Credit Card your way
With so many ways to pay your Card statement, you’ll find one that makes life simple.
Pay bill online
Pay bill with the Amex app
Pay bill with Direct Debit
Pay bill with BPAY
Pay bill in person
Charge Cards let you rewrite the rules.
Compared to a normal Credit Card, a Charge Card is a different way to manage your finances. With no set limit, you have the freedom to spend more when you want to without interest, but you’re required to pay off the balance in full by the due date each month, otherwise you may get charged late payment fees.
- No interest
A Charge Card does not incur interest, however you will need to pay your balance in full every month, as a fee is incurred if the amount is not paid off in full.
- More purchasing power
No pre-set spending limit gives you greater purchasing power. No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit records, and financial resources known to us.
- Earn points on purchases
With no pre-set spending limit, you can increase the points you earn along the way – meaning rewards could be yours even sooner.
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The American Express Platinum Card
Enjoy perks worthy of Platinum, expect to travel, and stay in style all over the world with this Charge Card. You’ll also enjoy a Travel Credit to spend on eligible flights, hotel, car hire and unforgettable experiences with the Platinum Travel Service.
- $450 Travel Credit to spend on travel through American Express Travel Online each year2
- Access to 1,400+ airport lounges in over 650 cities across 140 countries and counting3
- Complimentary benefits with an average total value of $800* per 2 night stay with FINE HOTELS + RESORTS4
- Complimentary Accor Plus membership valued at $399 per year5
- Complimentary Travel Insurance when you use your Card to pay for your return trip6
Choose the Card that best suits you
Rewards
Earn Membership
Rewards points from
everyday spending
Frequent Flyer
Maximise rewards
for every trip
Platinum
Enjoy premium
benefits and service
No Annual Fee
Save more with no
annual fee
Discover more American Express Cards benefits
Rewards
Get ready to treat yourself. With so many ways to earn Membership Rewards points, you can splash out on the latest fashion, tickets to a must-see event, a weekend away and more.
Access and Events
Dive into experiences you’ll never forget. From pre-sale tickets and lounge access at the most sought-after shows, to exclusive benefits at exhibitions and movies, you can spend your nights out in style.
Offers
From shopping and dining to travel, entertainment and more, Amex Offers has got you covered.
Travel
It’s never too late to start planning your dream trip. With our world-class travel service at your fingertips, you can book flights, hotel stays and more for whenever you’re ready to head off.
Service and Security
We’re serious about your Card security. That’s why you’ll get the backing of our fraud protection and Card Purchase Cover, along with on-hand support for things like emergency Card replacement.
Whatever you’re looking for you’ll always find them on American Express® Cards
HELLO POSSIBLE
From money-saving ideas to travel inspiration and daily life tips, get inspired to do great things and make your life more rewarding.