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American Express Essential

American Express Essential

2.3 from 139 reviews · View Statistics
See the Best No Annual Fee Credit Cards in 2022 as rated by Australians on ProductReview.com.au.
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Pros

$0 Annual Fee & Low Interest Rate of 14.99% p.a. on purchases
Earn up to 1.25 Membership Rewards Points per $1
Smartphone Screen Insurance of up to $500 each year
Add up to 4 Additional Cards at no extra cost

Cons

3% Balance Transfer Fee
3% Currency Conversion Fee

Details · 

CategoryLow Rate Credit Cards, No Annual Fee Credit Cards and Rewards Credit Cards
Card TypeAmerican Express
Minimum Credit Limit $2,000.00
Maximum Credit Limit $25,000.00
Minimum Income $40,000.00
Additional Cardholders 4
Additional Cardholder Fee $0.00 p.a.
Minimum Repayments2.5%
Rewards ProgramAmerican Express Membership Rewards
Points Earn Rate 1.25 points per $1
Points Conditions
  • 1.25 points per $1 spent on purchases excluding government bodies in Australia

  • 1 point for every $1 spent at government bodies in Australia

Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Rates & Fees
Purchase Rate14.99% p.a.
Late Payment Fee$30.00
Annual Fee$0.00 p.a.
Foreign Transaction Fee 3%
Overseas ATM Withdrawal Fee$2.50
Interest Free Period 55 days
Release date
Visit official website

Reviews

  • Transparency
    3.0 (69)
  • Customer Service
    3.0 (70)
  • Rates and Fees
    3.0 (64)
  • Rewards
    3.1 (59)
  • Online Experience
    3.0 (61)
  • Application Process
    3.5 (54)
Previous
Next
Jaideep
JaideepAlice Springs, NT
  • 4 reviews
  • 1 like

Worst card in Australia

published

Customer service is worst every customer service representative person will give you different answers and they are so rude, lazy. Stay away from their travel credit scheme because it’s just a biggest scam ever

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The reviewer stated that an incentive was offered for this review

Jack
Jack
  • 3 reviews
  • 1 like

Such a shocker

published

I cannot believe I am now someone who is writing a review for something but here we are. I got onto an Amex Credit Card with QANTAS frequent flyer bonuses and QANTAS flight credit. They are so unbelievably disorganized. The card is only accepted with a few stores in Australia. The flight credit forces you to book through Amex Travel, which is an incredibly clunky website that is impossible to navigate. Have had to change my flight date and it has taken me hours over the phone and on their terrible website. Seriously, do not bother with Amex Australia. Not worth the unbelievable amount of hassle.

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Absolutely horrible

published

I applied for an Amex Business card 3.5 months ago and have sent them every document they've requested, however I still don't have it approved - and now a new account manager has contacted me to ask me to apply again because my application has timed out!? Totally unacceptable and would not recommend.

  • Incentivised Review No
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N J.
N J.New South Wales
  • 6 reviews
  • 6 likes

Steer clear of AMEX

published

Their Customer Service is non existent. They transfer you back and forth between multiple people, and no one seems to be able to respond. High fees, unreasonable charges, and intent on ripping off Customers. Avoid them as a credit provider.

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Craig
CraigPerth, WA
  • 10 reviews
  • 1 like

Great everyday card with no annual fee.

published

Was a tad skeptical after seeing the other reviews here, but am pleased to report that my AMEX Essential Card has worked exactly as intended and have made lots of $$$ from the member benefits and sign up offers. I use it for everyday expenses and pay it off weekly so no issues with the interest rate (which is pretty much industry standard). I contacted support once via the app and was pleased to have my issue resolved within 10 minutes via chat. I would recommend this card to people who want an everyday purchase card with some moderate benefits and no annual fee. Use this link if you're interested to score $200 when signing up: http://amex.com.au/refer/cRAIGRVARc

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Max
MaxGreater Melbourne (Metropolitan), VIC
  • 3 reviews
  • 1 like

worst card i ever have

published

It's very hard to call the help line and they would help. I sign up in July 2021, and sometime they have few sneaky charge on your account be aware to check you credit card every month and not many merchant accept them

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Lisa F.
Lisa F.Sydney, NSW
  • 8 reviews
  • 3 likes

Update your records and stop sending me mail for someone else!!!!

published

I’ve been RTS mail for the last 6 months but Amex are STILL posting letters to my address for someone who doesn’t live here anymore!! Stop wasting my time!! It’s not my fault that person left no forwarding address - deal with it.

  • Incentivised Review No
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Next
mahbub m.
mahbub m.Sydney, NSW
  • 2 reviews

Awful and should be sued for breach of customer data

published

Be careful of their special partnership and promotional offers with third parties for cardholders that they advertise as a value add for customers. In fact, they are sharing your personal information with other businesses and in some cases your credit card details. If you are not reading T&C's properly they will not take any responsibilities down the road either. I have personally been charged fees for a subscription after a year that I clicked without reading the terms properly. But I never gave my credit card details to that 3rd party organization directly either. Apparently it all happens at the back end. Not sure how they can get away with this. Sharing with you so that you don't make the same mistakes as I did.

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Grampians
GrampiansWimmera, VIC
  • 6 reviews
  • 3 likes

Mafia criminals. Underhanded and bordering on dishonest!

published

From their very first introduction into the Australian Market American Express were underhanded and provided poor customer service. They originally employed thugs to collect late fees. A poorly structured and managed organisation which is not client focused. Poor user terms, conditions of use and high interest, late fees and merchant fees. Do not make the mistake of supporting these criminals.

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PCG
PCG
  • 3 reviews
  • 1 like

Super poor customer service, customer service staff unable to answer simple questions.

published

Super poor customer service, customer service staff unable to answer simple questions. Unable able to provide basic info. Asked about policies they mention they could not provide info on the policies just respond search on website

  • Incentivised Review No
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Jezz
JezzSydney, NSW
  • 20 reviews
  • 27 likes

Poor service

published

Totally shocked by poor service from a company that is so large and has such large fees. Applied for a card, full-time job with no debt, income above their requirements and declined. Extremely long waits on phone and delayed correspondence waiting to be advised. Had to chase them up for answer. Very poor and would not recommend to others given their fees are so high. Much better options out there so would suggest you look around and stay away from American Express.

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A Ne
A Ne
  • 2 reviews
  • 1 like

Unethical and no empathy

published

During the statewide lockdown Amex decided to cancel our Amex card and strip us of our 1.8m points. When asked when did they send us a letter they said it was sent the same day it was cancelled henceforth forfeiting all the points we built. Shocking

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If you die or get injured travel insurance useless

published

Denies paying travel insurance claims. Just like every other scam insurance companies not worth the paper its written on. Unfortuately insurance companies are no longer trustworthy these days and secondhand car salesmen have become more trustworthy than an insurance providor .

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Tan
TanSouth East Queensland, QLD

Terrible Service...

published

I have been hung up on more times than I can remember and you would think they would have the courtesy to call you back since you have just provided them with all your details. To communicate with them are 45min + wait then they hang up on you when the phone call when they dont know how to work out how to answer questions. They dont care at all. I am cancelling my credit card with them as its not worth the hassle. Website, statements, Credit towards flights its all very hidden and secretive like they are trying to make it difficult to find out information so you dont claim the credits you have paid for. Dont trust at all

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Disappointed
Disappointed
  • 3 reviews
  • 1 like

Secret Squirrel

published

Asked them to confirm ABN and address of merchant I am paying with my Amex platinum card and they refused because of the merchant's "privacy". This is rubbish because ABNs and addresses are public. I simply needed to make sure it was the merchant I thought it was. Amex are happy to provide this info for other merchants so why not this one? Is it the fact it is a multinational probably trying to avoid paying tax in this country? Amex have been inconsistent, unhelpful and in my view because of this, extremely dodgy. Good luck ever trying to check who you're actually paying using their card. If they're trying to keep the merchants details out of the taxmans office, they won't tell you what is your right to know as the cardholder.

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  • Incentivised Review No
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Questions & Answers

kezza z.
kezza z.asked

Hi I was about to apply for this card but am a bit confused. It says it won caninister award yet looking through the reviews by people 95% seem to be 1 star how can that be is that not contradictory?

1 answer
Kate
Kate
Ruth
Ruthasked

I had a card pushed on me in David Jones being told I only had to fill in a form in the store. I then got demands for all my personal information and got a barrage of phone calls even after asking them to stop and telling them I had sent an email to David Jones Amex saying I want to withdraw the application and to send me the details now so I can pay it off immediately while I still have money. They have not responded and are acting as if I am proceeding with the application that will take 45 days to expire and then no doubt they will expect me to set up an online account to get my personal details and try to sting me for interest. How can I find out how much I owe and pay it off now?

No answers

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Extra Information

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