No Annual Fee
No Points Earn Cap
0.75 point-per-dollar rate is reasonable for a $0-annual fee card
Generally fewer sign-up bonus points compared to other cards
Low Interest-Free Period (44 Days)
|Category||No Annual Fee Credit Cards, Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit Cards|
|Card Type||American Express|
|Minimum Credit Limit||$2,000|
|Maximum Credit Limit||$100,000|
|Additional Cardholder Fee||$0 p.a.|
|Rewards Program||Qantas Frequent Flyer|
|Points Earn Rate||0.75 points per $1|
There is no cap on earn rate.
|Contactless Payments||Apple Pay, Fitbit Pay, Google Pay and Samsung Pay|
|Rates & Fees|
|Purchase Rate||20.74% p.a.|
|Late Payment Fee||$30|
|Annual Fee||$0 p.a.|
|Interest Free Period||44 days|
|Balance Transfer Rates|
|Balance Transfer Period||12 months|
|Balance Transfer Rate||0% p.a.|
|Balance Transfer Fee||1%|
|Release date||July 2011|
Best Charges Protection
I am very thankful for the easy and good supply received by AMEX as it seems that in today's circumstances there are more and more fake and fraudulent charges that appear on my credit card or that a purchase I made never gets delivered as it was fake in the first place. The online system is very easy and when not sure I can also online Chat or phone and always receive the help and solution needed. A big THANK YOU to American Express - I never leave home without you.
No customer service
Had a question regarding my complimentary insurance. No one could answer it over the weekend. In the end I just paid and bought my own insurance. Paying $450 a year in fees, I expect better.
Good value for no annual fee
I signed up years ago only for the free bonus points offered.
I have stuck with the card now just for the bonus offers linked to certain retailers offering spend $x get $x refund to card.
Looses a star for the recent devalue in Qantas points under 1 Point/ $1 . I would give 5 stars if restored the 1 for 1
Good offers, Qantas points, no annual fee
This is a great basic no annual fee credit card if you want to earn Qantas points. I really like the cashback offers that pop up regularly in the app. I use my card with Apple Pay and more places are now accepting Amex. The app is easy to use. There's no fee to add a supplementary card, which makes it easy for other family members to use too. Highly recommended.
My card of choice
The frequent promotions for American Express cash back are really good when keeping an eye on the best price for items on your purchase wish list. No annual fee is how cards should be.
Never leave home without it...
Great card and an asset to have in my wallet, with regular bonus spends in all my favorite stores this pays for it self. No annual fee makes this my go too card.
My favourite credit card
This is my go to credit card, no annual fee, Qantas frequent flyer points with ever purchase. And great customer service. Only downside is using it overseas, they stick you with poor FX conversion as well as a commission.
Great card for perks and bonus points. Easy application which was approved very quickly. The no annual fee is awesome. So far I have no complaints what so ever. Will be keeping this card
Best free annual fee credit card
This could be one of probably not the best but in overall is the best credit card with perks and earn reward points for annual fee free for life. I will give this a 5 stars card but since the points system changed since last year 2018, it just not generate as much and as fast as how it used to be, but still a good card. The only downside is probably this card doesn't come with complimentary travel insurance as many higher level cards do, but pretty much still does its job when comes to daily use, and online purchasing. If you can afford rather to get the ultimate version (comes with complimentary insurance & lounges access), however to me, i would love to have both, their perks are lovely.
Best no annual fee credit going around
You get more points than from Any other no annual fee CC. At the same time offers like spend 500 get 150 back from Sony. Fuel offer spend 50 get 15 back etc.. Best to read the term and conditions carefully on the offers.
Everyone should have one of these
The card has $0 annual fees and still comes packed with bonuses. The most obvious are Qantas frequent flyer points, but even better are the regular American Express cash-back offers for selected merchants. Promotions like shop-small. Can't fault them. And if there are any questions, their customer service is very helpful and prompt.
Good Deals and Credit Back without the Annual Fees
Easy to transfer my balance to this credit card. Rewards available to me is good. Many good deals as AMEX is trying to push publicity and promotions, a lot of good cashback deals. Easy to accumulate points and is converted to my Qantas Rewards points. The only downside is AMEX is still not accepted everywhere but is definitely getting more recognised. But sometimes it has a higher surcharge than other cards at times. The app was easy to use on mobile as well.
Free and rewarding!
Had this card since 2012. Free to have. Haven't paid a single cent on it due to no annual fees & avoiding interest by paying my statement on time. Customer service is great too. Used many offers via statement credits.
I haven't experienced international transaction fees, only a commission they charge with the money exchange. I did not transfer my balance therefore can't comment on that. Rewards program is great for a free card (QFF). Easy to redeem points via Qantas shop. Easy to accumulate too - it auto transfers your balance to your QFF account.
No fees, AMEX rewards and Qantas points
For a card with no fees to pay this is a great one to have in your wallet. You can leverage any useful AMEX deals and be rewarded with Qantas points on your spending. Definitely a keeper!
Set and forget - good to have in your back pocket
I've had this card since 2016. It's a basic Amex card with its main selling point being that is has no annual fees. As a result, this is also reflected in the services which are offered.
Points earning is average at best - there are better cards out there, however again, expectations must be managed in the context of an absent annual fee.
Redemption of points has been flawless, and I have never had an issue with Amex failing to credit points earned.
I have not used this card overseas as I believe there are better options when it comes to tr...ansactions in international currencies. I did not transfer any balance to this card when I started. Great card to have each November when Amex roll out their Shop Small offers - $10 back on purchases over $20, redeemable up to 5 times per card!
Questions & Answers
How do I apply
can i transfer my current amex with all the points that i have accumulated to this one card?
Can you access cash from a amex discovery card
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