🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 130 (from laksa161)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa130.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.americanexpress.com\/en-au\/benefits\/rewards\/membership-rewards\/","crawl_time":1776341283,"first_indexed_time":1720930769,"http_code":200,"src_unparsed":"com,americanexpress!www,\/en-au\/benefits\/rewards\/membership-rewards\/ s443","src_root_hash":"17283228609443549730","history_drop_reason":null,"meta_title":"Membership Rewards® Program | American Express AU","meta_descriptions":["Our Membership Rewards Program allows you to earn points that can be redeemed towards travel rewards, shopping rewards and gift cards. Learn more."],"attrs_boilerpipe_text":"Home\nCardmember Benefits\nMembership Rewards Program\nWe’re proud to be recognised with multiple industry awards\nRewards that actually reward\nAlready know how you want to use Membership Rewards\n®\npoints?\nLog in to redeem now.\nThe Membership Rewards program offers a breadth of rewards so you can propel your journey – wherever it takes you. Earn Membership Rewards points on most everyday purchases, then use points for gift cards, travel rewards, or even to cover recent Card charges. T&Cs apply.\nEXPLORE FEATURED REDEMPTIONS\nMulti Card Carousel\nUse points to shop online at Myer\nYou can now use your Membership Rewards\n®\n points to shop online at Myer. Pay for your purchase at checkout with points or a combination of Points & Pay\n1\n. Minimum redemption amounts and T&Cs apply.\nShop online and Pay with Points\nUse your points to pay for your purchases\n2\n at a wide range of online stores. From travel, to tech, to fashion and department stores, you’ll be spoilt for choice.\nMinimum redemption amounts and T&Cs apply.\nTurn your Membership Rewards® into Everyday Rewards\nGet $10 off your Woolworths shop for every 2,500 Membership Rewards points you transfer. Minimum redemption and T&Cs apply. \nGive the gift of Gift Cards\nRedeem your points for your choice of Gift Cards from your favourite brands.\n4\nCover Card purchases using your points\nTake advantage of Cover Charges with Points by using points to pay off your Card transactions.\n3\nWhy you’ll love Membership Rewards points\nUnlimited Earning\n With no caps, you can earn points on eligible spend\nNo Expiry\nContinue to earn and grow your points every year\nFlexible\nRedeem for almost anything on points\nHow to Redeem Membership Rewards Points\nUse Points to Travel\nTransfer your Membership Rewards points to a wide range of Airline Rewards and Frequent Guest Partner Programs\n5\n.\nUse Points for Purchases\nMembership Rewards gives you the freedom to use your points to cover almost anything you've purchased on your Card\n3\n.\nLog in to your Account to use points to pay for eligible transactions.\nUse Points for Gift Cards\nRedeem your Membership Rewards points for Gift Cards from leading brands and retailers across fashion, dining, live entertainment and movies, wellness, health services and more\n4\n.\nUse Points to Pay\nUse your Membership Rewards points to make purchases online and shop at your favourite brands\n2\n.\nHow to Earn Points\nExplore the different ways to earn Membership Rewards points\ncard-contactless\ncard-contactless\nUse your Card for everyday purchases like petrol, grocery shopping and eating out\ncards\ncards\nAdd Additional Cards for your family and friends to earn points on their spend. T&Cs apply\n7\np2p\np2p\nRefer a Friend and you could both earn Bonus Points\noffers-mobile\noffers-mobile\nCheck Amex Offers for Bonus Points offers\nReady to Start Earning Points\nExplore our lineup of American Express Membership Rewards Cards\nExpect rewards after you apply and are approved for an eligible American Express\n®\nCard. You can earn Membership Rewards points for just spending on certain categories, depending on your Card. Terms and Conditions apply.\nMembership Rewards FAQs\nMembership Rewards is the loyalty program of American Express. For every eligible dollar spent on an eligible American Express Card, Membership Rewards points are earned and credited to your Card Account. Points can then be redeemed for travel rewards, shopping rewards and entertainment rewards and more. There’s no limit to how many Membership Rewards points you can earn. And as long as you’re an active Card Member and your account is in good standing, points will never expire. Subject to the Terms and Conditions of the Membership Rewards program.\nRedeem your points by logging in to your Membership Rewards Dashboard where you can browse the different redemption options available. Once logged in, follow the prompts on screen to use your points on the redemption option you choose.  Your Membership Rewards points can be redeemed for eligible flights, accommodation, gift cards, shopping and more. Subject to the Terms and Conditions of the Membership Rewards program.\nYou can redeem your points for a range of rewards as listed on this page: gift cards, transfer points to airline and hotel partners, shop with points at select retailers or cover your card charges to pay off your statement. Membership Rewards redemptions span across travel, retail, entertainment and dining categories. Subject to the Terms and Conditions of the Membership Rewards program.\nChoose a Card that earns Membership Rewards points\nhere\n. Depending on your Card, you may be instantly enrolled in Membership Rewards. If your Card is not automatically enrolled in Membership Rewards, you can do so by calling the number at the back of your Card. For Corporate Card holders, you may enrol in Membership Rewards if your Company has chosen to participate in the program. Speak to your Program Administrator for more information . \nYou can earn Membership Rewards points for virtually every dollar you spend on your Card. Use your Card for everyday purchases and watch your points add up. With every spend, you earn points and the number of points you can earn is limitless. As long as your Card is in good standing, your points will never expire. Subject to the Terms and Conditions of the Membership Rewards program.\nTo quickly earn Membership Rewards points, follow the below tips:\nEarn points from everyday purchases. From a coffee to a larger grocery shop, they all add up.\nAdd Additional Cards to your account so that their spend accumulates points for your Account\nRefer a friend to get Bonus Points\nCheck Amex offers for Bonus Points offers. \nSubject to the Terms and Conditions of the Membership Rewards program.\nYou can check your points balance by logging in to your Membership Rewards\nDashboard\n. There you will be able to see your points balance, your history of points redeemed as well as view the redemption options available.\nThe Membership Rewards Ascent program is available on a range of Personal and business Cards: Platinum Edge Credit Card and the Gold Business Card. It offers a range of redemption options. If you are enrolled in the Ascent program, log in to the Membership Rewards\nDashboard\nto see the redemptions available to you.\nMembership Rewards Terms and Conditions\nView full Terms and Conditions:\nMembership Rewards Terms and Conditions - Consumer:\nTerms and Conditions effective from 15 December 2025 (inclusive)\nopens in new window\nMembership Rewards Terms and Conditions – Business and Corporate:\nTerms and Conditions effective from 15 December 2025 (inclusive)\nopens in new window\nQantas Direct Cards\n1. You may use Points to make purchases at Myer. You need to indicate at the time of purchase that you wish to Pay with Points. Individual retailers provide specific delivery and refund polices. Refund policies for Pay with Points retail Partners are subject to the Terms and Conditions of the retail Partner. The retailers’ conditions and refund policies may be amended by the retailers from time to time.\n2. You may use Points to make purchases at certain retailers listed on our website. You need to indicate at the time of purchase that you wish to Pay with Points. Individual retailers provide specific delivery and refund polices. Refund policies for Pay with Points retail Partners are subject to the Terms and Conditions of the retail Partner. The retailers’ conditions and refund policies may be amended by the retailers from time to time.\n3. Cover Charges with Points. For each successful transaction using Cover Charges with Points, points will be debited from your Membership Rewards account and a credit placed on your Card in line with the points chosen to be used for the Eligible Charge. A minimum of 1,000 Membership Rewards points is required to cover any eligible transaction with points. Any credit to your Card account cannot exceed the amount of the relevant Eligible Charges. A credit will appear on your statement identified as “Membership Rewards Credit”. Points will be debited immediately and the credit will take up to 3 business days to appear online. Credits processed after the Card account’s statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card account by the due date. Any charges covered by points is not redeemable for cash via Credit balance refund. American Express will select and display each eligible charge that can be covered with points (“Eligible Charge”) and the points rate required to cover the Eligible Charge. Each Eligible Charge must: (a) appear within the Online Statement of the Summary of Accounts page; (b) be redeemed within 2 months of the charge appearing on your Card account; (c) not currently or have previously been disputed; and (d) not be a fee. Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any time without notice. Eligible transactions can be covered by points via your online account or American Express mobile app. Covering charges with points is available only to Basic Cardmembers enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing.\n4. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of minimum 3 years 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.\n5. To redeem points to any Frequent Traveller Program you must be a member of the applicable Program. Enrolment in such Programs is solely your responsibility and fees may apply. The minimum requirement and transfer rate varies. Subject to the Membership Rewards Terms and Conditions.\n6. American Express Travel Online: To earn or 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.\n7. Points for Credit: The redemption of Points for a credit to your Card (Points for Credit) will be administered by us within three business days and cannot be reversed. Amounts credited will appear on the first monthly statement following redemption. If you hold multiple Cards linked to the one Membership Rewards Account, the Points for Credit redemption will automatically be credited to the Primary Account only. Points may be redeemed by the Card Member for a credit on the Primary Card Account. 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.\n .","attrs_markdown":"[Skip to content](https:\/\/www.americanexpress.com\/en-au\/benefits\/rewards\/membership-rewards\/#mainContent)\n\nMenu\n\nMenu\n\n[![American Express](https:\/\/www.aexp-static.com\/cdaas\/one\/statics\/axp-static-assets\/1.8.0\/package\/dist\/img\/logos\/dls-logo-bluebox-solid.svg)![American Express](https:\/\/www.aexp-static.com\/cdaas\/one\/statics\/axp-static-assets\/1.8.0\/package\/dist\/img\/logos\/dls-logo-stack.svg)![American Express](https:\/\/www.aexp-static.com\/cdaas\/one\/statics\/axp-static-assets\/1.8.0\/package\/dist\/img\/logos\/dls-logo-stack-white.svg)![American Express](https:\/\/www.aexp-static.com\/cdaas\/one\/statics\/axp-static-assets\/1.8.0\/package\/dist\/img\/logos\/dls-logo-stack.svg)![American Express](https:\/\/www.aexp-static.com\/cdaas\/one\/statics\/axp-static-assets\/1.8.0\/package\/dist\/img\/logos\/dls-logo-stack-white.svg)](https:\/\/www.americanexpress.com\/en-au\/?inav=en_au_menu_navlogo)\n\n- My Account\n  - ## Card Accounts\n    - [Your Account](https:\/\/global.americanexpress.com\/dashboard?inav=en_au_menu_my_account_card_accounts_your_account)\n    - [Activate a New Card](https:\/\/oce.americanexpress.com\/myca\/ocareg\/japa\/action?request_type=un_Activation&inav=en_au_menu_my_account_card_accounts_activate_a_new_card&Face=en_AU#\/splash)\n    - [Register for Online Services](https:\/\/oce.americanexpress.com\/myca\/ocareg\/japa\/action?request_type=un_Register&inav=en_au_menu_my_account_card_accounts_register_for_online_services&Face=en_AU#\/splash)\n    - [Add Someone to Your Account](https:\/\/www.americanexpress.com\/au\/credit-cards\/manage-your-card\/additional-card\/?inav=en_au_menu_my_account_card_accounts_add_someone_to_your_account)\n    - [Moving Abroad? Transfer Your Card](https:\/\/www.americanexpress.com\/us\/customer-service\/global-card-relationship\/?inav=en_au_menu_my_account_card_accounts_moving_abroad_transfer_your_card)\n  - ## Business Owners\n    - [Your Account](https:\/\/global.americanexpress.com\/dashboard?inav=en_au_menu_my_account_business_owners_your_account)\n    - [Activate a New Card](https:\/\/global.americanexpress.com\/myca\/ocareg\/japa\/action?request_type=un_Activation&inav=en_au_menu_my_account_business_owners_activate_a_new_card&Face=en_AU#\/splash)\n    - [Register for Online Services](https:\/\/oce.americanexpress.com\/myca\/ocareg\/japa\/action?request_type=un_Register&inav=en_au_menu_my_account_business_owners_register_for_online_services&Face=en_AU#\/splash)\n  - ## Other Accounts\n    - [American Express @Work](https:\/\/www.americanexpress.com\/en-au\/account\/at-work\/login\/?TARGET=https:\/\/www.americanexpress.com\/en-au\/at-work\/&inav=en_au_menu_my_account_other_accounts_american_express_work)\n    - [Online Merchant Services](https:\/\/www.americanexpress.com\/au\/merchant\/index.html?inav=en_au_menu_my_account_other_accounts_online_merchant_services)\n  - ## Help & Support\n    - [Support 24\/7](https:\/\/www.americanexpress.com\/au\/contact-us\/?inav=en_au_menu_my_account_help_support_support_247)\n    - [Forgot User ID or Password?](https:\/\/www.americanexpress.com\/en-au\/account\/password\/recover?inav=en_au_menu_my_account_help_support_forgot_user_id_or_password)\n    - [Resolving Complaints](https:\/\/www.americanexpress.com\/en-au\/customer-service\/resolve-complaints\/?inav=en_au_menu_my_account_help_support_resolving_complaints)\n    - [Financial Hardship](https:\/\/www.americanexpress.com\/australia\/customerservice\/financial_difficulty.shtml?inav=en_au_menu_my_account_help_support_financial_hardship)\n  \n  ![](https:\/\/www.aexp-static.com\/cdaas\/one\/statics\/@americanexpress\/static-assets\/2.32.1\/package\/dist\/img\/flags\/dls-flag-au.svg)Australia\n  \n  [Change Country](https:\/\/www.americanexpress.com\/en-us\/change-country\/?inav=en_au_menu_changeCountry)\n- Cards\n  - ## Personal Cards\n    - [View All Personal Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/all-cards\/?inav=en_au_menu_cards_personal_cards_view_all_personal_cards)\n    - [About Personal Cards](https:\/\/www.americanexpress.com\/au\/credit-cards\/?inav=en_au_menu_cards_personal_cards_about_personal_cards)\n    - [Frequent Flyer Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/frequent-flyer-cards\/?inav=en_au_menu_cards_personal_cards_frequent_flyer_cards)\n    - [Premium Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/premium-cards\/?inav=en_au_menu_cards_personal_cards_premium_cards)\n    - [Rewards Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/rewards-cards\/?inav=en_au_menu_cards_personal_cards_rewards_cards)\n    - [Add Someone to Your Account](https:\/\/www.americanexpress.com\/au\/credit-cards\/manage-your-card\/additional-card\/?inav=en_au_menu_cards_personal_cards_add_someone_to_your_account)\n  - ## Business Cards\n    - [View all Business Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/all-cards\/business\/?inav=en_au_menu_cards_business_cards_view_all_business_cards)\n    - [About Business Cards](https:\/\/www.americanexpress.com\/au\/business\/?inav=en_au_menu_cards_business_cards_about_business_cards)\n    - [Benefits of a Business Card](https:\/\/www.americanexpress.com\/au\/business\/benefits\/?inav=en_au_menu_cards_business_cards_benefits_of_a_business_card)\n  - ## Corporate Cards\n    - [View all Corporate Cards](https:\/\/www.americanexpress.com\/en-au\/business\/corporate-credit-cards\/?inav=en_au_menu_cards_corporate_cards_view_all_corporate_cards)\n    - [Corporate Payment Solutions](https:\/\/www.americanexpress.com\/au\/business\/payment-solutions\/?inav=en_au_menu_cards_corporate_cards_corporate_payment_solutions)\n  - ## Support\n    - [How Does a Personal Credit Card Work?](https:\/\/www.americanexpress.com\/au\/credit-cards\/?inav=en_au_menu_cards_support_how_does_a_personal_credit_card_work)\n    - [How Does a Charge Card Work?](https:\/\/www.americanexpress.com\/au\/credit-cards\/about-credit-cards\/what-is-a-charge-card\/?inav=en_au_menu_cards_support_how_does_a_charge_card_work)\n    - [View all FAQs](https:\/\/www.americanexpress.com\/au\/customer-service\/transactions-payments-statements\/?inav=en_au_menu_cards_support_view_all_faqs#topic-1)\n  \n  ![](https:\/\/www.aexp-static.com\/cdaas\/one\/statics\/@americanexpress\/static-assets\/2.32.1\/package\/dist\/img\/flags\/dls-flag-au.svg)Australia\n  \n  [Change Country](https:\/\/www.americanexpress.com\/en-us\/change-country\/?inav=en_au_menu_changeCountry)\n- Travel\n  - ## Online Travel\n    - [Book Travel Online](https:\/\/www.americanexpress.com\/en-au\/travel\/?inav=en_au_menu_travel_online_travel_book_travel_online)\n    - [Book Fine Hotels + Resorts](https:\/\/hotel-booking.americanexpress.com\/en-au\/fhr\/welcome?inav=en_au_menu_travel_online_travel_book_fine_hotels_resorts)\n    - [Book The Hotel Collection](https:\/\/hotel-booking.americanexpress.com\/en-au\/thc\/welcome?inav=en_au_menu_travel_online_travel_book_the_hotel_collection)\n    - [Manage My Bookings](https:\/\/www.americanexpress.com\/en-au\/travel\/my-bookings\/summary?intlink=mtsi-AU-managemybookings-online-iNav-prod-int&inav=en_au_menu_travel_online_travel_manage_my_bookings)\n  - ## Travel Resources\n    - [Travel Insurance](https:\/\/www.americanexpress.com\/au\/insurance\/travel-insurance\/?inav=en_au_menu_travel_travel_resources_travel_insurance)\n    - [Using Your Card Overseas](https:\/\/www.americanexpress.com\/au\/credit-cards\/manage-your-card\/using-your-card-abroad\/?inav=en_au_menu_travel_travel_resources_using_your_card_overseas)\n    - [Card Member Benefits](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/membership-benefits\/why-amex\/travel\/?inav=en_au_menu_travel_travel_resources_card_member_benefits)\n  - ## Business Travel\n    - [Global Business Travel Solutions](https:\/\/www.amexglobalbusinesstravel.com\/au?inav=en_au_menu_travel_business_travel_global_business_travel_solutions)\n  - ## Travel Money\n    - [Travelers Cheques](https:\/\/www.americanexpress.com\/au\/travel\/travelers-cheques\/?inav=en_au_menu_travel_travel_money_travelers_cheques)\n    - [Qantas Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/frequent-flyer-cards\/qantas-cards\/?inav=en_au_menu_travel_travel_money_qantas_cards)\n    - [Velocity Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/frequent-flyer-cards\/velocity-cards\/?inav=en_au_menu_travel_travel_money_velocity_cards)\n    - [Travel Rewards Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/travel-cards\/?inav=en_au_menu_travel_travel_money_travel_rewards_cards)\n  \n  ![](https:\/\/www.aexp-static.com\/cdaas\/one\/statics\/@americanexpress\/static-assets\/2.32.1\/package\/dist\/img\/flags\/dls-flag-au.svg)Australia\n  \n  [Change Country](https:\/\/www.americanexpress.com\/en-us\/change-country\/?inav=en_au_menu_changeCountry)\n- Insurance\n  - ## All Insurance Services\n    - [Insurance Home Page](https:\/\/www.americanexpress.com\/au\/insurance\/?inav=en_au_menu_insurance_all_insurance_services_insurance_home_page)\n    - [Insurance with your card](https:\/\/www.americanexpress.com\/au\/insurance\/insurance-with-your-card\/?inav=en_au_menu_insurance_all_insurance_services_insurance_with_your_card)\n    - [Other Insurance](https:\/\/www.americanexpress.com\/au\/insurance\/other-insurance\/?inav=en_au_menu_insurance_all_insurance_services_other_insurance)\n  - ## Travel Insurance\n    - [Travel Insurance](https:\/\/www.americanexpress.com\/au\/insurance\/travel-insurance\/?inav=en_au_menu_insurance_travel_insurance_travel_insurance)\n  \n  ![](https:\/\/www.aexp-static.com\/cdaas\/one\/statics\/@americanexpress\/static-assets\/2.32.1\/package\/dist\/img\/flags\/dls-flag-au.svg)Australia\n  \n  [Change Country](https:\/\/www.americanexpress.com\/en-us\/change-country\/?inav=en_au_menu_changeCountry)\n- Rewards & Benefits\n  - ## Rewards\n    - [Membership Rewards Program](https:\/\/www.americanexpress.com\/en-au\/benefits\/rewards\/membership-rewards\/?inav=en_au_menu_rewards_benefits_rewards_membership_rewards_program)\n    - [Qantas Frequent Flyer](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/frequent-flyer-cards\/qantas-cards\/?inav=en_au_menu_rewards_benefits_rewards_qantas_frequent_flyer)\n    - [Velocity Frequent Flyer](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/frequent-flyer-cards\/velocity-cards\/?inav=en_au_menu_rewards_benefits_rewards_velocity_frequent_flyer)\n    - [Refer a Friend](https:\/\/www.americanexpress.com\/en-au\/referral\/?inav=en_au_menu_rewards_benefits_rewards_refer_a_friend)\n  - ## Benefits and Offers\n    - [Explore Cards and Benefits](https:\/\/www.americanexpress.com\/au\/credit-cards\/membership-benefits\/?inav=en_au_menu_rewards_benefits_benefits_and_offers_explore_cards_and_benefits)\n    - [Amex Offers](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/membership-benefits\/why-amex\/offers\/?inav=en_au_menu_rewards_benefits_benefits_and_offers_amex_offers)\n    - [Payment Flexibility](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/membership-benefits\/why-amex\/payment-flexibility\/?intlink=em-AU-ICS-TopNav&inav=en_au_menu_rewards_benefits_benefits_and_offers_payment_flexibility)\n    - [Entertainment and Events](https:\/\/www.americanexpress.com\/en-au\/benefits\/entertainment\/events\/?inav=en_au_menu_rewards_benefits_benefits_and_offers_entertainment_and_events)\n    - [Why Amex](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/membership-benefits\/why-amex\/?inav=en_au_menu_rewards_benefits_benefits_and_offers_why_amex)\n    - [Life With Amex](https:\/\/www.americanexpress.com\/en-au\/articles\/life-with-amex\/?inav=en_au_menu_rewards_benefits_benefits_and_offers_life_with_amex)\n  - ## Manage Membership\n    - [Dashboard](https:\/\/global.americanexpress.com\/rewards\/?inav=en_au_menu_rewards_benefits_manage_membership_dashboard)\n    - [Shop with Points](https:\/\/global.americanexpress.com\/rewards\/pay-with-points?inav=en_au_menu_rewards_benefits_manage_membership_shop_with_points)\n    - [Cover Charges with Points](https:\/\/www.americanexpress.com\/en-au\/benefits\/rewards\/membership-rewards\/cover-charges-with-points\/?inav=en_au_menu_rewards_benefits_manage_membership_cover_charges_with_points)\n    - [Travel with Points](https:\/\/www.americanexpress.com\/au\/travel\/how-to-pay-with-points\/?inav=en_au_menu_rewards_benefits_manage_membership_travel_with_points)\n    - [Redeem Points for Gift Cards](https:\/\/global.americanexpress.com\/rewards\/gift-cards?inav=en_au_menu_rewards_benefits_manage_membership_redeem_points_for_gift_cards)\n    - [Transfer Points to Airlines and Hotels](https:\/\/global.americanexpress.com\/rewards\/transfer?inav=en_au_menu_rewards_benefits_manage_membership_transfer_points_to_airlines_and_hotels)\n  - ## Support\n    - [View all Membership Rewards FAQs](https:\/\/www.americanexpress.com\/au\/customer-service\/membership-rewards\/?inav=en_au_menu_rewards_benefits_support_view_all_membership_rewards_faqs)\n    - [View all Benefits & Offers FAQs](https:\/\/www.americanexpress.com\/au\/customer-service\/features-and-benefits\/?inav=en_au_menu_rewards_benefits_support_view_all_benefits_offers_faqs)\n    - [Security](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/membership-benefits\/why-amex\/service-security\/?inav=en_au_menu_rewards_benefits_support_security)\n  \n  ![](https:\/\/www.aexp-static.com\/cdaas\/one\/statics\/@americanexpress\/static-assets\/2.32.1\/package\/dist\/img\/flags\/dls-flag-au.svg)Australia\n  \n  [Change Country](https:\/\/www.americanexpress.com\/en-us\/change-country\/?inav=en_au_menu_changeCountry)\n- Business\n  - ## Business Cards\n    - [Business Home](https:\/\/www.americanexpress.com\/au\/business\/?inav=en_au_menu_business_business_cards_business_home)\n    - [View all Business Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/all-cards\/business\/?inav=en_au_menu_business_business_cards_view_all_business_cards)\n    - [Business Insights](https:\/\/www.americanexpress.com\/en-au\/articles\/life-with-amex\/business-insights\/?inav=en_au_menu_business_business_cards_business_insights)\n  - ## Corporations\n    - [View all Corporate Cards](https:\/\/www.americanexpress.com\/en-au\/business\/corporate-credit-cards\/?inav=en_au_menu_business_corporations_view_all_corporate_cards)\n    - [Corporate Payment Solutions](https:\/\/www.americanexpress.com\/au\/business\/payment-solutions\/?inav=en_au_menu_business_corporations_corporate_payment_solutions)\n  - ## Merchants\n    - [Merchant Home](https:\/\/www.americanexpress.com\/au\/merchant\/index.html?inav=en_au_menu_business_merchants_merchant_home)\n    - [Accept the Card](https:\/\/www.americanexpress.com\/au\/merchant\/accept-amex-cards.html?inav=en_au_menu_business_merchants_accept_the_card)\n    - [Manage Merchant Account](https:\/\/www.americanexpress.com\/en-au\/business\/merchant\/manage-account.html?inav=en_au_menu_business_merchants_manage_merchant_account)\n  - ## Support\n    - [Business and Corporate Customer Centre](https:\/\/www.americanexpress.com\/au\/business\/customer-centre\/?inav=en_au_menu_business_support_business_and_corporate_customer_centre)\n    - [View all Merchant FAQs](https:\/\/www.americanexpress.com\/en-au\/business\/merchant\/help-support.html?inav=en_au_menu_business_support_view_all_merchant_faqs)\n  \n  ![](https:\/\/www.aexp-static.com\/cdaas\/one\/statics\/@americanexpress\/static-assets\/2.32.1\/package\/dist\/img\/flags\/dls-flag-au.svg)Australia\n  \n  [Change Country](https:\/\/www.americanexpress.com\/en-us\/change-country\/?inav=en_au_menu_changeCountry)\n\nSearch Button\n\nSearch\n\nClose\n\n- [Contact Us](https:\/\/www.americanexpress.com\/au\/contact-us\/?inav=en_au_menu_help)\n\n[Login](https:\/\/www.americanexpress.com\/en-au\/account\/login?inav=en_au_menu_login)\n\n[Logout](https:\/\/www.americanexpress.com\/en-au\/account\/logout?inav=en_au_menu_logout)\n\n[Login](https:\/\/www.americanexpress.com\/en-au\/account\/login?inav=en_au_menu_login)\n\n[Logout](https:\/\/www.americanexpress.com\/en-au\/account\/logout?inav=en_au_menu_logout)\n\n- My Account\n  - [Your Account](https:\/\/global.americanexpress.com\/dashboard?inav=en_au_menu_my_account_card_accounts_your_account)\n  - [Activate a New Card](https:\/\/oce.americanexpress.com\/myca\/ocareg\/japa\/action?request_type=un_Activation&inav=en_au_menu_my_account_card_accounts_activate_a_new_card&Face=en_AU#\/splash)\n  - [Register for Online Services](https:\/\/oce.americanexpress.com\/myca\/ocareg\/japa\/action?request_type=un_Register&inav=en_au_menu_my_account_card_accounts_register_for_online_services&Face=en_AU#\/splash)\n  - [Add Someone to Your Account](https:\/\/www.americanexpress.com\/au\/credit-cards\/manage-your-card\/additional-card\/?inav=en_au_menu_my_account_card_accounts_add_someone_to_your_account)\n  - [Moving Abroad? Transfer Your Card](https:\/\/www.americanexpress.com\/us\/customer-service\/global-card-relationship\/?inav=en_au_menu_my_account_card_accounts_moving_abroad_transfer_your_card)\n  - [Your Account](https:\/\/global.americanexpress.com\/dashboard?inav=en_au_menu_my_account_business_owners_your_account)\n  - [Activate a New Card](https:\/\/global.americanexpress.com\/myca\/ocareg\/japa\/action?request_type=un_Activation&inav=en_au_menu_my_account_business_owners_activate_a_new_card&Face=en_AU#\/splash)\n  - [Register for Online Services](https:\/\/oce.americanexpress.com\/myca\/ocareg\/japa\/action?request_type=un_Register&inav=en_au_menu_my_account_business_owners_register_for_online_services&Face=en_AU#\/splash)\n  - [American Express @Work](https:\/\/www.americanexpress.com\/en-au\/account\/at-work\/login\/?TARGET=https:\/\/www.americanexpress.com\/en-au\/at-work\/&inav=en_au_menu_my_account_other_accounts_american_express_work)\n  - [Online Merchant Services](https:\/\/www.americanexpress.com\/au\/merchant\/index.html?inav=en_au_menu_my_account_other_accounts_online_merchant_services)\n  - [Support 24\/7](https:\/\/www.americanexpress.com\/au\/contact-us\/?inav=en_au_menu_my_account_help_support_support_247)\n  - [Forgot User ID or Password?](https:\/\/www.americanexpress.com\/en-au\/account\/password\/recover?inav=en_au_menu_my_account_help_support_forgot_user_id_or_password)\n  - [Resolving Complaints](https:\/\/www.americanexpress.com\/en-au\/customer-service\/resolve-complaints\/?inav=en_au_menu_my_account_help_support_resolving_complaints)\n  - [Financial Hardship](https:\/\/www.americanexpress.com\/australia\/customerservice\/financial_difficulty.shtml?inav=en_au_menu_my_account_help_support_financial_hardship)\n- Cards\n  - [View All Personal Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/all-cards\/?inav=en_au_menu_cards_personal_cards_view_all_personal_cards)\n  - [About Personal Cards](https:\/\/www.americanexpress.com\/au\/credit-cards\/?inav=en_au_menu_cards_personal_cards_about_personal_cards)\n  - [Frequent Flyer Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/frequent-flyer-cards\/?inav=en_au_menu_cards_personal_cards_frequent_flyer_cards)\n  - [Premium Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/premium-cards\/?inav=en_au_menu_cards_personal_cards_premium_cards)\n  - [Rewards Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/rewards-cards\/?inav=en_au_menu_cards_personal_cards_rewards_cards)\n  - [Add Someone to Your Account](https:\/\/www.americanexpress.com\/au\/credit-cards\/manage-your-card\/additional-card\/?inav=en_au_menu_cards_personal_cards_add_someone_to_your_account)\n  - [View all Business Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/all-cards\/business\/?inav=en_au_menu_cards_business_cards_view_all_business_cards)\n  - [About Business Cards](https:\/\/www.americanexpress.com\/au\/business\/?inav=en_au_menu_cards_business_cards_about_business_cards)\n  - [Benefits of a Business Card](https:\/\/www.americanexpress.com\/au\/business\/benefits\/?inav=en_au_menu_cards_business_cards_benefits_of_a_business_card)\n  - [View all Corporate Cards](https:\/\/www.americanexpress.com\/en-au\/business\/corporate-credit-cards\/?inav=en_au_menu_cards_corporate_cards_view_all_corporate_cards)\n  - [Corporate Payment Solutions](https:\/\/www.americanexpress.com\/au\/business\/payment-solutions\/?inav=en_au_menu_cards_corporate_cards_corporate_payment_solutions)\n  - [How Does a Personal Credit Card Work?](https:\/\/www.americanexpress.com\/au\/credit-cards\/?inav=en_au_menu_cards_support_how_does_a_personal_credit_card_work)\n  - [How Does a Charge Card Work?](https:\/\/www.americanexpress.com\/au\/credit-cards\/about-credit-cards\/what-is-a-charge-card\/?inav=en_au_menu_cards_support_how_does_a_charge_card_work)\n  - [View all FAQs](https:\/\/www.americanexpress.com\/au\/customer-service\/transactions-payments-statements\/?inav=en_au_menu_cards_support_view_all_faqs#topic-1)\n- Travel\n  - [Book Travel Online](https:\/\/www.americanexpress.com\/en-au\/travel\/?inav=en_au_menu_travel_online_travel_book_travel_online)\n  - [Book Fine Hotels + Resorts](https:\/\/hotel-booking.americanexpress.com\/en-au\/fhr\/welcome?inav=en_au_menu_travel_online_travel_book_fine_hotels_resorts)\n  - [Book The Hotel Collection](https:\/\/hotel-booking.americanexpress.com\/en-au\/thc\/welcome?inav=en_au_menu_travel_online_travel_book_the_hotel_collection)\n  - [Manage My Bookings](https:\/\/www.americanexpress.com\/en-au\/travel\/my-bookings\/summary?intlink=mtsi-AU-managemybookings-online-iNav-prod-int&inav=en_au_menu_travel_online_travel_manage_my_bookings)\n  - [Travel Insurance](https:\/\/www.americanexpress.com\/au\/insurance\/travel-insurance\/?inav=en_au_menu_travel_travel_resources_travel_insurance)\n  - [Using Your Card Overseas](https:\/\/www.americanexpress.com\/au\/credit-cards\/manage-your-card\/using-your-card-abroad\/?inav=en_au_menu_travel_travel_resources_using_your_card_overseas)\n  - [Card Member Benefits](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/membership-benefits\/why-amex\/travel\/?inav=en_au_menu_travel_travel_resources_card_member_benefits)\n  - [Global Business Travel Solutions](https:\/\/www.amexglobalbusinesstravel.com\/au?inav=en_au_menu_travel_business_travel_global_business_travel_solutions)\n  - [Travelers Cheques](https:\/\/www.americanexpress.com\/au\/travel\/travelers-cheques\/?inav=en_au_menu_travel_travel_money_travelers_cheques)\n  - [Qantas Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/frequent-flyer-cards\/qantas-cards\/?inav=en_au_menu_travel_travel_money_qantas_cards)\n  - [Velocity Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/frequent-flyer-cards\/velocity-cards\/?inav=en_au_menu_travel_travel_money_velocity_cards)\n  - [Travel Rewards Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/travel-cards\/?inav=en_au_menu_travel_travel_money_travel_rewards_cards)\n- Insurance\n  - [Insurance Home Page](https:\/\/www.americanexpress.com\/au\/insurance\/?inav=en_au_menu_insurance_all_insurance_services_insurance_home_page)\n  - [Insurance with your card](https:\/\/www.americanexpress.com\/au\/insurance\/insurance-with-your-card\/?inav=en_au_menu_insurance_all_insurance_services_insurance_with_your_card)\n  - [Other Insurance](https:\/\/www.americanexpress.com\/au\/insurance\/other-insurance\/?inav=en_au_menu_insurance_all_insurance_services_other_insurance)\n  - [Travel Insurance](https:\/\/www.americanexpress.com\/au\/insurance\/travel-insurance\/?inav=en_au_menu_insurance_travel_insurance_travel_insurance)\n- Rewards & Benefits\n  - [Membership Rewards Program](https:\/\/www.americanexpress.com\/en-au\/benefits\/rewards\/membership-rewards\/?inav=en_au_menu_rewards_benefits_rewards_membership_rewards_program)\n  - [Qantas Frequent Flyer](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/frequent-flyer-cards\/qantas-cards\/?inav=en_au_menu_rewards_benefits_rewards_qantas_frequent_flyer)\n  - [Velocity Frequent Flyer](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/frequent-flyer-cards\/velocity-cards\/?inav=en_au_menu_rewards_benefits_rewards_velocity_frequent_flyer)\n  - [Refer a Friend](https:\/\/www.americanexpress.com\/en-au\/referral\/?inav=en_au_menu_rewards_benefits_rewards_refer_a_friend)\n  - [Explore Cards and Benefits](https:\/\/www.americanexpress.com\/au\/credit-cards\/membership-benefits\/?inav=en_au_menu_rewards_benefits_benefits_and_offers_explore_cards_and_benefits)\n  - [Amex Offers](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/membership-benefits\/why-amex\/offers\/?inav=en_au_menu_rewards_benefits_benefits_and_offers_amex_offers)\n  - [Payment Flexibility](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/membership-benefits\/why-amex\/payment-flexibility\/?intlink=em-AU-ICS-TopNav&inav=en_au_menu_rewards_benefits_benefits_and_offers_payment_flexibility)\n  - [Entertainment and Events](https:\/\/www.americanexpress.com\/en-au\/benefits\/entertainment\/events\/?inav=en_au_menu_rewards_benefits_benefits_and_offers_entertainment_and_events)\n  - [Why Amex](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/membership-benefits\/why-amex\/?inav=en_au_menu_rewards_benefits_benefits_and_offers_why_amex)\n  - [Life With Amex](https:\/\/www.americanexpress.com\/en-au\/articles\/life-with-amex\/?inav=en_au_menu_rewards_benefits_benefits_and_offers_life_with_amex)\n  - [Dashboard](https:\/\/global.americanexpress.com\/rewards\/?inav=en_au_menu_rewards_benefits_manage_membership_dashboard)\n  - [Shop with Points](https:\/\/global.americanexpress.com\/rewards\/pay-with-points?inav=en_au_menu_rewards_benefits_manage_membership_shop_with_points)\n  - [Cover Charges with Points](https:\/\/www.americanexpress.com\/en-au\/benefits\/rewards\/membership-rewards\/cover-charges-with-points\/?inav=en_au_menu_rewards_benefits_manage_membership_cover_charges_with_points)\n  - [Travel with Points](https:\/\/www.americanexpress.com\/au\/travel\/how-to-pay-with-points\/?inav=en_au_menu_rewards_benefits_manage_membership_travel_with_points)\n  - [Redeem Points for Gift Cards](https:\/\/global.americanexpress.com\/rewards\/gift-cards?inav=en_au_menu_rewards_benefits_manage_membership_redeem_points_for_gift_cards)\n  - [Transfer Points to Airlines and Hotels](https:\/\/global.americanexpress.com\/rewards\/transfer?inav=en_au_menu_rewards_benefits_manage_membership_transfer_points_to_airlines_and_hotels)\n  - [View all Membership Rewards FAQs](https:\/\/www.americanexpress.com\/au\/customer-service\/membership-rewards\/?inav=en_au_menu_rewards_benefits_support_view_all_membership_rewards_faqs)\n  - [View all Benefits & Offers FAQs](https:\/\/www.americanexpress.com\/au\/customer-service\/features-and-benefits\/?inav=en_au_menu_rewards_benefits_support_view_all_benefits_offers_faqs)\n  - [Security](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/membership-benefits\/why-amex\/service-security\/?inav=en_au_menu_rewards_benefits_support_security)\n- Business\n  - [Business Home](https:\/\/www.americanexpress.com\/au\/business\/?inav=en_au_menu_business_business_cards_business_home)\n  - [View all Business Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/all-cards\/business\/?inav=en_au_menu_business_business_cards_view_all_business_cards)\n  - [Business Insights](https:\/\/www.americanexpress.com\/en-au\/articles\/life-with-amex\/business-insights\/?inav=en_au_menu_business_business_cards_business_insights)\n  - [View all Corporate Cards](https:\/\/www.americanexpress.com\/en-au\/business\/corporate-credit-cards\/?inav=en_au_menu_business_corporations_view_all_corporate_cards)\n  - [Corporate Payment Solutions](https:\/\/www.americanexpress.com\/au\/business\/payment-solutions\/?inav=en_au_menu_business_corporations_corporate_payment_solutions)\n  - [Merchant Home](https:\/\/www.americanexpress.com\/au\/merchant\/index.html?inav=en_au_menu_business_merchants_merchant_home)\n  - [Accept the Card](https:\/\/www.americanexpress.com\/au\/merchant\/accept-amex-cards.html?inav=en_au_menu_business_merchants_accept_the_card)\n  - [Manage Merchant Account](https:\/\/www.americanexpress.com\/en-au\/business\/merchant\/manage-account.html?inav=en_au_menu_business_merchants_manage_merchant_account)\n  - [Business and Corporate Customer Centre](https:\/\/www.americanexpress.com\/au\/business\/customer-centre\/?inav=en_au_menu_business_support_business_and_corporate_customer_centre)\n  - [View all Merchant FAQs](https:\/\/www.americanexpress.com\/en-au\/business\/merchant\/help-support.html?inav=en_au_menu_business_support_view_all_merchant_faqs)\n\n[Contact Us](https:\/\/www.americanexpress.com\/au\/contact-us\/?inav=en_au_menu_help)\n\n![](https:\/\/www.aexp-static.com\/cdaas\/one\/statics\/@americanexpress\/static-assets\/2.32.1\/package\/dist\/img\/flags\/dls-flag-au.svg)Australia\n\n[Change Country](https:\/\/www.americanexpress.com\/en-us\/change-country\/?inav=en_au_menu_changeCountry)\n\n- - My Account\n  - #### Card Accounts\n    - [Your Account](https:\/\/global.americanexpress.com\/dashboard?inav=en_au_menu_my_account_card_accounts_your_account)\n    \n    - [Activate a New Card](https:\/\/oce.americanexpress.com\/myca\/ocareg\/japa\/action?request_type=un_Activation&inav=en_au_menu_my_account_card_accounts_activate_a_new_card&Face=en_AU#\/splash)\n    \n    - [Register for Online Services](https:\/\/oce.americanexpress.com\/myca\/ocareg\/japa\/action?request_type=un_Register&inav=en_au_menu_my_account_card_accounts_register_for_online_services&Face=en_AU#\/splash)\n    \n    - [Add Someone to Your Account](https:\/\/www.americanexpress.com\/au\/credit-cards\/manage-your-card\/additional-card\/?inav=en_au_menu_my_account_card_accounts_add_someone_to_your_account)\n    \n    - [Moving Abroad? Transfer Your Card](https:\/\/www.americanexpress.com\/us\/customer-service\/global-card-relationship\/?inav=en_au_menu_my_account_card_accounts_moving_abroad_transfer_your_card)\n  \n  - #### Business Owners\n    - [Your Account](https:\/\/global.americanexpress.com\/dashboard?inav=en_au_menu_my_account_business_owners_your_account)\n    \n    - [Activate a New Card](https:\/\/global.americanexpress.com\/myca\/ocareg\/japa\/action?request_type=un_Activation&inav=en_au_menu_my_account_business_owners_activate_a_new_card&Face=en_AU#\/splash)\n    \n    - [Register for Online Services](https:\/\/oce.americanexpress.com\/myca\/ocareg\/japa\/action?request_type=un_Register&inav=en_au_menu_my_account_business_owners_register_for_online_services&Face=en_AU#\/splash)\n  \n  - #### Other Accounts\n    - [American Express @Work](https:\/\/www.americanexpress.com\/en-au\/account\/at-work\/login\/?TARGET=https:\/\/www.americanexpress.com\/en-au\/at-work\/&inav=en_au_menu_my_account_other_accounts_american_express_work)\n    \n    - [Online Merchant Services](https:\/\/www.americanexpress.com\/au\/merchant\/index.html?inav=en_au_menu_my_account_other_accounts_online_merchant_services)\n  \n  - #### Help & Support\n    - [Support 24\/7](https:\/\/www.americanexpress.com\/au\/contact-us\/?inav=en_au_menu_my_account_help_support_support_247)\n    \n    - [Forgot User ID or Password?](https:\/\/www.americanexpress.com\/en-au\/account\/password\/recover?inav=en_au_menu_my_account_help_support_forgot_user_id_or_password)\n    \n    - [Resolving Complaints](https:\/\/www.americanexpress.com\/en-au\/customer-service\/resolve-complaints\/?inav=en_au_menu_my_account_help_support_resolving_complaints)\n    \n    - [Financial Hardship](https:\/\/www.americanexpress.com\/australia\/customerservice\/financial_difficulty.shtml?inav=en_au_menu_my_account_help_support_financial_hardship)\n- - Cards\n  - #### Personal Cards\n    - [View All Personal Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/all-cards\/?inav=en_au_menu_cards_personal_cards_view_all_personal_cards)\n    \n    - [About Personal Cards](https:\/\/www.americanexpress.com\/au\/credit-cards\/?inav=en_au_menu_cards_personal_cards_about_personal_cards)\n    \n    - [Frequent Flyer Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/frequent-flyer-cards\/?inav=en_au_menu_cards_personal_cards_frequent_flyer_cards)\n    \n    - [Premium Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/premium-cards\/?inav=en_au_menu_cards_personal_cards_premium_cards)\n    \n    - [Rewards Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/rewards-cards\/?inav=en_au_menu_cards_personal_cards_rewards_cards)\n    \n    - [Add Someone to Your Account](https:\/\/www.americanexpress.com\/au\/credit-cards\/manage-your-card\/additional-card\/?inav=en_au_menu_cards_personal_cards_add_someone_to_your_account)\n  \n  - #### Business Cards\n    - [View all Business Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/all-cards\/business\/?inav=en_au_menu_cards_business_cards_view_all_business_cards)\n    \n    - [About Business Cards](https:\/\/www.americanexpress.com\/au\/business\/?inav=en_au_menu_cards_business_cards_about_business_cards)\n    \n    - [Benefits of a Business Card](https:\/\/www.americanexpress.com\/au\/business\/benefits\/?inav=en_au_menu_cards_business_cards_benefits_of_a_business_card)\n  \n  - #### Corporate Cards\n    - [View all Corporate Cards](https:\/\/www.americanexpress.com\/en-au\/business\/corporate-credit-cards\/?inav=en_au_menu_cards_corporate_cards_view_all_corporate_cards)\n    \n    - [Corporate Payment Solutions](https:\/\/www.americanexpress.com\/au\/business\/payment-solutions\/?inav=en_au_menu_cards_corporate_cards_corporate_payment_solutions)\n  \n  - #### Support\n    - [How Does a Personal Credit Card Work?](https:\/\/www.americanexpress.com\/au\/credit-cards\/?inav=en_au_menu_cards_support_how_does_a_personal_credit_card_work)\n    \n    - [How Does a Charge Card Work?](https:\/\/www.americanexpress.com\/au\/credit-cards\/about-credit-cards\/what-is-a-charge-card\/?inav=en_au_menu_cards_support_how_does_a_charge_card_work)\n    \n    - [View all FAQs](https:\/\/www.americanexpress.com\/au\/customer-service\/transactions-payments-statements\/?inav=en_au_menu_cards_support_view_all_faqs#topic-1)\n- - Travel\n  - #### Online Travel\n    - [Book Travel Online](https:\/\/www.americanexpress.com\/en-au\/travel\/?inav=en_au_menu_travel_online_travel_book_travel_online)\n    \n    - [Book Fine Hotels + Resorts](https:\/\/hotel-booking.americanexpress.com\/en-au\/fhr\/welcome?inav=en_au_menu_travel_online_travel_book_fine_hotels_resorts)\n    \n    - [Book The Hotel Collection](https:\/\/hotel-booking.americanexpress.com\/en-au\/thc\/welcome?inav=en_au_menu_travel_online_travel_book_the_hotel_collection)\n    \n    - [Manage My Bookings](https:\/\/www.americanexpress.com\/en-au\/travel\/my-bookings\/summary?intlink=mtsi-AU-managemybookings-online-iNav-prod-int&inav=en_au_menu_travel_online_travel_manage_my_bookings)\n  \n  - #### Travel Resources\n    - [Travel Insurance](https:\/\/www.americanexpress.com\/au\/insurance\/travel-insurance\/?inav=en_au_menu_travel_travel_resources_travel_insurance)\n    \n    - [Using Your Card Overseas](https:\/\/www.americanexpress.com\/au\/credit-cards\/manage-your-card\/using-your-card-abroad\/?inav=en_au_menu_travel_travel_resources_using_your_card_overseas)\n    \n    - [Card Member Benefits](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/membership-benefits\/why-amex\/travel\/?inav=en_au_menu_travel_travel_resources_card_member_benefits)\n  \n  - #### Business Travel\n    - [Global Business Travel Solutions](https:\/\/www.amexglobalbusinesstravel.com\/au?inav=en_au_menu_travel_business_travel_global_business_travel_solutions)\n  \n  - #### Travel Money\n    - [Travelers Cheques](https:\/\/www.americanexpress.com\/au\/travel\/travelers-cheques\/?inav=en_au_menu_travel_travel_money_travelers_cheques)\n    \n    - [Qantas Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/frequent-flyer-cards\/qantas-cards\/?inav=en_au_menu_travel_travel_money_qantas_cards)\n    \n    - [Velocity Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/frequent-flyer-cards\/velocity-cards\/?inav=en_au_menu_travel_travel_money_velocity_cards)\n    \n    - [Travel Rewards Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/travel-cards\/?inav=en_au_menu_travel_travel_money_travel_rewards_cards)\n- - Insurance\n  - #### All Insurance Services\n    - [Insurance Home Page](https:\/\/www.americanexpress.com\/au\/insurance\/?inav=en_au_menu_insurance_all_insurance_services_insurance_home_page)\n    \n    - [Insurance with your card](https:\/\/www.americanexpress.com\/au\/insurance\/insurance-with-your-card\/?inav=en_au_menu_insurance_all_insurance_services_insurance_with_your_card)\n    \n    - [Other Insurance](https:\/\/www.americanexpress.com\/au\/insurance\/other-insurance\/?inav=en_au_menu_insurance_all_insurance_services_other_insurance)\n  \n  - #### Travel Insurance\n    - [Travel Insurance](https:\/\/www.americanexpress.com\/au\/insurance\/travel-insurance\/?inav=en_au_menu_insurance_travel_insurance_travel_insurance)\n- - Rewards & Benefits\n  - #### Rewards\n    - [Membership Rewards Program](https:\/\/www.americanexpress.com\/en-au\/benefits\/rewards\/membership-rewards\/?inav=en_au_menu_rewards_benefits_rewards_membership_rewards_program)\n    \n    - [Qantas Frequent Flyer](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/frequent-flyer-cards\/qantas-cards\/?inav=en_au_menu_rewards_benefits_rewards_qantas_frequent_flyer)\n    \n    - [Velocity Frequent Flyer](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/card-types\/frequent-flyer-cards\/velocity-cards\/?inav=en_au_menu_rewards_benefits_rewards_velocity_frequent_flyer)\n    \n    - [Refer a Friend](https:\/\/www.americanexpress.com\/en-au\/referral\/?inav=en_au_menu_rewards_benefits_rewards_refer_a_friend)\n  \n  - #### Benefits and Offers\n    - [Explore Cards and Benefits](https:\/\/www.americanexpress.com\/au\/credit-cards\/membership-benefits\/?inav=en_au_menu_rewards_benefits_benefits_and_offers_explore_cards_and_benefits)\n    \n    - [Amex Offers](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/membership-benefits\/why-amex\/offers\/?inav=en_au_menu_rewards_benefits_benefits_and_offers_amex_offers)\n    \n    - [Payment Flexibility](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/membership-benefits\/why-amex\/payment-flexibility\/?intlink=em-AU-ICS-TopNav&inav=en_au_menu_rewards_benefits_benefits_and_offers_payment_flexibility)\n    \n    - [Entertainment and Events](https:\/\/www.americanexpress.com\/en-au\/benefits\/entertainment\/events\/?inav=en_au_menu_rewards_benefits_benefits_and_offers_entertainment_and_events)\n    \n    - [Why Amex](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/membership-benefits\/why-amex\/?inav=en_au_menu_rewards_benefits_benefits_and_offers_why_amex)\n    \n    - [Life With Amex](https:\/\/www.americanexpress.com\/en-au\/articles\/life-with-amex\/?inav=en_au_menu_rewards_benefits_benefits_and_offers_life_with_amex)\n  \n  - #### Manage Membership\n    - [Dashboard](https:\/\/global.americanexpress.com\/rewards\/?inav=en_au_menu_rewards_benefits_manage_membership_dashboard)\n    \n    - [Shop with Points](https:\/\/global.americanexpress.com\/rewards\/pay-with-points?inav=en_au_menu_rewards_benefits_manage_membership_shop_with_points)\n    \n    - [Cover Charges with Points](https:\/\/www.americanexpress.com\/en-au\/benefits\/rewards\/membership-rewards\/cover-charges-with-points\/?inav=en_au_menu_rewards_benefits_manage_membership_cover_charges_with_points)\n    \n    - [Travel with Points](https:\/\/www.americanexpress.com\/au\/travel\/how-to-pay-with-points\/?inav=en_au_menu_rewards_benefits_manage_membership_travel_with_points)\n    \n    - [Redeem Points for Gift Cards](https:\/\/global.americanexpress.com\/rewards\/gift-cards?inav=en_au_menu_rewards_benefits_manage_membership_redeem_points_for_gift_cards)\n    \n    - [Transfer Points to Airlines and Hotels](https:\/\/global.americanexpress.com\/rewards\/transfer?inav=en_au_menu_rewards_benefits_manage_membership_transfer_points_to_airlines_and_hotels)\n  \n  - #### Support\n    - [View all Membership Rewards FAQs](https:\/\/www.americanexpress.com\/au\/customer-service\/membership-rewards\/?inav=en_au_menu_rewards_benefits_support_view_all_membership_rewards_faqs)\n    \n    - [View all Benefits & Offers FAQs](https:\/\/www.americanexpress.com\/au\/customer-service\/features-and-benefits\/?inav=en_au_menu_rewards_benefits_support_view_all_benefits_offers_faqs)\n    \n    - [Security](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/membership-benefits\/why-amex\/service-security\/?inav=en_au_menu_rewards_benefits_support_security)\n- - Business\n  - #### Business Cards\n    - [Business Home](https:\/\/www.americanexpress.com\/au\/business\/?inav=en_au_menu_business_business_cards_business_home)\n    \n    - [View all Business Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/all-cards\/business\/?inav=en_au_menu_business_business_cards_view_all_business_cards)\n    \n    - [Business Insights](https:\/\/www.americanexpress.com\/en-au\/articles\/life-with-amex\/business-insights\/?inav=en_au_menu_business_business_cards_business_insights)\n  \n  - #### Corporations\n    - [View all Corporate Cards](https:\/\/www.americanexpress.com\/en-au\/business\/corporate-credit-cards\/?inav=en_au_menu_business_corporations_view_all_corporate_cards)\n    \n    - [Corporate Payment Solutions](https:\/\/www.americanexpress.com\/au\/business\/payment-solutions\/?inav=en_au_menu_business_corporations_corporate_payment_solutions)\n  \n  - #### Merchants\n    - [Merchant Home](https:\/\/www.americanexpress.com\/au\/merchant\/index.html?inav=en_au_menu_business_merchants_merchant_home)\n    \n    - [Accept the Card](https:\/\/www.americanexpress.com\/au\/merchant\/accept-amex-cards.html?inav=en_au_menu_business_merchants_accept_the_card)\n    \n    - [Manage Merchant Account](https:\/\/www.americanexpress.com\/en-au\/business\/merchant\/manage-account.html?inav=en_au_menu_business_merchants_manage_merchant_account)\n  \n  - #### Support\n    - [Business and Corporate Customer Centre](https:\/\/www.americanexpress.com\/au\/business\/customer-centre\/?inav=en_au_menu_business_support_business_and_corporate_customer_centre)\n    \n    - [View all Merchant FAQs](https:\/\/www.americanexpress.com\/en-au\/business\/merchant\/help-support.html?inav=en_au_menu_business_support_view_all_merchant_faqs)\n\n![](https:\/\/www.aexp-static.com\/cdaas\/one\/statics\/@americanexpress\/static-assets\/2.32.1\/package\/dist\/img\/flags\/dls-flag-au.svg)Australia\n\n[Change Country](https:\/\/www.americanexpress.com\/en-us\/change-country\/?inav=en_au_menu_changeCountry)\n\n1. [Home](https:\/\/www.americanexpress.com\/en-au\/)\n2. [Cardmember Benefits](https:\/\/www.americanexpress.com\/au\/credit-cards\/membership-benefits\/)\n3. Membership Rewards Program\n\n![Membership Rewards](data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)\n\n- [Dashboard](https:\/\/www.americanexpress.com\/en-au\/benefits\/rewards\/membership-rewards\/#1)\n- [Redeem](https:\/\/www.americanexpress.com\/en-au\/benefits\/rewards\/membership-rewards\/#redeem)\n- [Earn](https:\/\/www.americanexpress.com\/en-au\/benefits\/rewards\/membership-rewards\/#earn)\n- [FAQ](https:\/\/www.americanexpress.com\/en-au\/benefits\/rewards\/membership-rewards\/#faqs)\n- [T\\&Cs](https:\/\/www.americanexpress.com\/en-au\/benefits\/rewards\/membership-rewards\/#T&Cs)\n\n**We’re proud to be recognised with multiple industry awards**\n\n![finder top](data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)\n\n![finder provider](data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)\n\n![finder most](data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)\n\n![finder top](data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)\n\n![canstar](data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)\n\n# Membership Rewards® Program\n## Rewards that actually reward\n\n![A group of people laughing on a beach](data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)\n\nAlready know how you want to use Membership Rewards ® points?   \n Log in to redeem now.\n\n[View Dashboard (opens new window)](https:\/\/www.americanexpress.com\/en-au\/account\/login?DestPage=https%3A%2F%2Fglobal.americanexpress.com%2Frewards)\n\n## **Important Updates**\n**IMPORTANT:** Online transfers of Membership Rewards points to Cathay is temporarily unavailable. We apologise for any inconvenience this may cause.\n\nThe Membership Rewards program offers a breadth of rewards so you can propel your journey – wherever it takes you. Earn Membership Rewards points on most everyday purchases, then use points for gift cards, travel rewards, or even to cover recent Card charges. T\\&Cs apply.\n\n## **EXPLORE FEATURED REDEMPTIONS**\n[![Myer](data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)](https:\/\/www.myer.com.au\/)\n\n#### Use points to shop online at Myer\nYou can now use your Membership Rewards® points to shop online at Myer. Pay for your purchase at checkout with points or a combination of Points & Pay1. Minimum redemption amounts and T\\&Cs apply.\n\n[![Pay with Points](data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)](https:\/\/global.americanexpress.com\/rewards\/pay-with-points)\n\n#### Shop online and Pay with Points\nUse your points to pay for your purchases2 at a wide range of online stores. From travel, to tech, to fashion and department stores, you’ll be spoilt for choice.  \n Minimum redemption amounts and T\\&Cs apply.\n\n### Multi Card Carousel\n##\n- - ![](https:\/\/www.americanexpress.com\/content\/dam\/amex\/en-au\/benefits\/rewards\/membership-rewards\/AME12003_RedemptionTiles_MYER_ImageLogo.png)\n    ***\n    ### Use points to shop online at Myer\n    You can now use your Membership Rewards® points to shop online at Myer. Pay for your purchase at checkout with points or a combination of Points & Pay1. Minimum redemption amounts and T\\&Cs apply.\n  - ![](https:\/\/www.americanexpress.com\/content\/dam\/amex\/en-au\/benefits\/rewards\/membership-rewards\/AME12003_RedemptionTiles_Pay_with_Points_Image.png)\n    ***\n    ### Shop online and Pay with Points\n    Use your points to pay for your purchases2 at a wide range of online stores. From travel, to tech, to fashion and department stores, you’ll be spoilt for choice.  \n     Minimum redemption amounts and T\\&Cs apply.\n  - ![](https:\/\/www.americanexpress.com\/content\/dam\/amex\/en-au\/benefits\/rewards\/membership-rewards\/AME12459_EverydayRewardsTile-400x218px_FA.jpg)\n    ***\n    ### Turn your Membership Rewards® into Everyday Rewards\n    Get \\$10 off your Woolworths shop for every 2,500 Membership Rewards points you transfer. Minimum redemption and T\\&Cs apply.\n- - ![](https:\/\/www.americanexpress.com\/content\/dam\/amex\/en-au\/benefits\/rewards\/membership-rewards\/AME12003_MAR-GiftCards_400x418_FA.jpg)\n    ***\n    ### Give the gift of Gift Cards\n    Redeem your points for your choice of Gift Cards from your favourite brands.4\n  - ![](https:\/\/www.americanexpress.com\/content\/dam\/amex\/en-au\/benefits\/rewards\/membership-rewards\/AME12003_MAR-CCWPoints_400x418_FA.jpg)\n    ***\n    ### Cover Card purchases using your points\n    Take advantage of Cover Charges with Points by using points to pay off your Card transactions.3\n## **Why you’ll love Membership Rewards points**\n**Unlimited Earning**\n\nWith no caps, you can earn points on eligible spend\n\n**No Expiry**\n\nContinue to earn and grow your points every year\n\n**Flexible**\n\nRedeem for almost anything on points\n## How to Redeem Membership Rewards Points\n### Use Points to Travel\nUse Points to Transfer to Partners\n\nUse Points to book with Amex Travel Online\n\nTransfer your Membership Rewards points to a wide range of Airline Rewards and Frequent Guest Partner Programs5.\n\n[More Transfer Partners (opens new window)](https:\/\/www.americanexpress.com\/en-au\/rewards\/membership-rewards\/travel\/all?currenttravelproducttype=All&intlink=AU-MR-au_frequent_traveller_partners)\n\n![A group of people sitting on a rug with a suitcase](data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)\n\nUse your Membership Rewards points to pay for your next flight, prepaid hotel or car rental when you book with [Amex Travel Online6](https:\/\/www.americanexpress.com\/en-au\/travel\/ \"Amex Travel Online\").\n\n[Book Now (opens new window)](https:\/\/www.americanexpress.com\/en-au\/travel\/)\n\n![An airplane flying in the sky](data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)\n\n### Use Points for Purchases\nCover Charges with Points\n\nUse Points for Credit\n\nMembership Rewards gives you the freedom to use your points to cover almost anything you've purchased on your Card3.\n\nLog in to your Account to use points to pay for eligible transactions.\n\n[Log in (opens new window)](https:\/\/www.americanexpress.com\/en-au\/account\/login?DestPage=https%3A%2F%2Fglobal.americanexpress.com%2Fmyca%2Fintl%2Facctsumm%2Fjapa%2FaccountSummary.do%3Frequest_type%3D%26Face%3Den_AU%26inav%3Dau_menu_myacct_acctsum%26omnlogin%3Dau_lilo_myca)\n\n![A person and person looking at a tablet](data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)\n\nRedeem your points for a credit to your Card, then use this additional credit to buy whatever you like. Amounts credited will appear on the first billing statement following redemption7.\n\n[Redeem Now (opens new window)](https:\/\/www.americanexpress.com\/en-au\/rewards\/membership-rewards\/award\/American-Express\/Credit-on-your-Card\/8726-1000A)\n\n![A man smiling at a computer](data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)\n\n### Use Points for Gift Cards\nRedeem your Membership Rewards points for Gift Cards from leading brands and retailers across fashion, dining, live entertainment and movies, wellness, health services and more4.\n\n[View Brands (opens new window)](https:\/\/global.americanexpress.com\/rewards\/gift-cards?intlink=us-en-mr-education-cta-gift-cards)\n\n![A group of women holding shopping bags](data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)\n\n### Use Points to Pay\nUse your Membership Rewards points to make purchases online and shop at your favourite brands2.\n\n[Shop with Point Partners (opens new window)](https:\/\/global.americanexpress.com\/rewards\/pay-with-points)\n\n![points for shop](data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)\n\n## How to Earn Points\nExplore the different ways to earn Membership Rewards points\n\nUse your Card for everyday purchases like petrol, grocery shopping and eating out\n\nAdd Additional Cards for your family and friends to earn points on their spend. T\\&Cs apply7\n\nRefer a Friend and you could both earn Bonus Points\n\nCheck Amex Offers for Bonus Points offers\n\n## Ready to Start Earning Points\nExplore our lineup of American Express Membership Rewards Cards\n\n![A stack of American Express cards. enlarged for display](data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)\n\nExpect rewards after you apply and are approved for an eligible American Express® Card. You can earn Membership Rewards points for just spending on certain categories, depending on your Card. Terms and Conditions apply.\n\n[Find Your Card (opens new window)](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/all-cards\/rewards \"Find Your Card\")\n\n## Membership Rewards FAQs\n### What is Membership Rewards?\nMembership Rewards is the loyalty program of American Express. For every eligible dollar spent on an eligible American Express Card, Membership Rewards points are earned and credited to your Card Account. Points can then be redeemed for travel rewards, shopping rewards and entertainment rewards and more. There’s no limit to how many Membership Rewards points you can earn. And as long as you’re an active Card Member and your account is in good standing, points will never expire. Subject to the Terms and Conditions of the Membership Rewards program.\n\n### How do I redeem my points?\nRedeem your points by logging in to your Membership Rewards Dashboard where you can browse the different redemption options available. Once logged in, follow the prompts on screen to use your points on the redemption option you choose. Your Membership Rewards points can be redeemed for eligible flights, accommodation, gift cards, shopping and more. Subject to the Terms and Conditions of the Membership Rewards program.\n\n### What can I redeem my points for?\nYou can redeem your points for a range of rewards as listed on this page: gift cards, transfer points to airline and hotel partners, shop with points at select retailers or cover your card charges to pay off your statement. Membership Rewards redemptions span across travel, retail, entertainment and dining categories. Subject to the Terms and Conditions of the Membership Rewards program.\n\n### How do I enrol in Membership Rewards?\nChoose a Card that earns Membership Rewards points [here](https:\/\/www.americanexpress.com\/au\/credit-cards\/all-cards\/?inav=au_menu_cards_pc_view_all \"here\"). Depending on your Card, you may be instantly enrolled in Membership Rewards. If your Card is not automatically enrolled in Membership Rewards, you can do so by calling the number at the back of your Card. For Corporate Card holders, you may enrol in Membership Rewards if your Company has chosen to participate in the program. Speak to your Program Administrator for more information .\n\n### How do I earn points?\nYou can earn Membership Rewards points for virtually every dollar you spend on your Card. Use your Card for everyday purchases and watch your points add up. With every spend, you earn points and the number of points you can earn is limitless. As long as your Card is in good standing, your points will never expire. Subject to the Terms and Conditions of the Membership Rewards program.\n\n### How do I earn points quickly?\nTo quickly earn Membership Rewards points, follow the below tips:\n\n1. Earn points from everyday purchases. From a coffee to a larger grocery shop, they all add up.\n2. Add Additional Cards to your account so that their spend accumulates points for your Account\n3. Refer a friend to get Bonus Points\n4. Check Amex offers for Bonus Points offers.\n\nSubject to the Terms and Conditions of the Membership Rewards program.\n\n### How do I check my points Balance?\nYou can check your points balance by logging in to your Membership Rewards [Dashboard](https:\/\/www.americanexpress.com\/en-au\/account\/login?DestPage=https%3A%2F%2Fglobal.americanexpress.com%2Fmyca%2Fintl%2Frewards%2Fjapa%2Faction%3Frequest_type%3Dauthreg_MrMultipleAccounts%26Face%3Den_AU%26DestPage%3Dhttps%3A%2F%2Fwww.americanexpress.com%2Fen-au%2Frewards%2Fmembership-rewards%2F \"Dashboard\"). There you will be able to see your points balance, your history of points redeemed as well as view the redemption options available.\n\n### What is the Membership Rewards Ascent Program?\nThe Membership Rewards Ascent program is available on a range of Personal and business Cards: Platinum Edge Credit Card and the Gold Business Card. It offers a range of redemption options. If you are enrolled in the Ascent program, log in to the Membership Rewards [Dashboard](https:\/\/www.americanexpress.com\/en-au\/account\/login?DestPage=https%3A%2F%2Fglobal.americanexpress.com%2Fmyca%2Fintl%2Frewards%2Fjapa%2Faction%3Frequest_type%3Dauthreg_MrMultipleAccounts%26Face%3Den_AU%26DestPage%3Dhttps%3A%2F%2Fwww.americanexpress.com%2Fen-au%2Frewards%2Fmembership-rewards%2F \"Dashboard\") to see the redemptions available to you.\n\n**Still have more questions?** Visit [Membership Rewards FAQs](https:\/\/www.americanexpress.com\/au\/customer-service\/membership-rewards\/ \"Membership Rewards FAQs\")\n\n## Membership Rewards Terms and Conditions\nView full Terms and Conditions:\n\nMembership Rewards Terms and Conditions - Consumer:\n\n- [Terms and Conditions effective from 15 December 2025 (inclusive)](https:\/\/www.americanexpress.com\/content\/dam\/amex\/en-au\/company\/terms-and-conditions\/AME12313_MRTCsDoc-Consumer_FA.pdf \" \")\n\nMembership Rewards Terms and Conditions – Business and Corporate:\n\n- [Terms and Conditions effective from 15 December 2025 (inclusive)](https:\/\/www.americanexpress.com\/content\/dam\/amex\/en-au\/company\/terms-and-conditions\/AME12313_MRTCsDoc-SBSCorp_FA.pdf \" \")\n\n*[Qantas Direct Cards](https:\/\/www.americanexpress.com\/en-au\/rewards\/membership-rewards\/getwebimage.mtw?webimagename=MRT_Qantas%20Direct%20Updated_TCs_141118.pdf \" \")*\n\n1\\. You may use Points to make purchases at Myer. You need to indicate at the time of purchase that you wish to Pay with Points. Individual retailers provide specific delivery and refund polices. Refund policies for Pay with Points retail Partners are subject to the Terms and Conditions of the retail Partner. The retailers’ conditions and refund policies may be amended by the retailers from time to time.  \n   \n 2. You may use Points to make purchases at certain retailers listed on our website. You need to indicate at the time of purchase that you wish to Pay with Points. Individual retailers provide specific delivery and refund polices. Refund policies for Pay with Points retail Partners are subject to the Terms and Conditions of the retail Partner. The retailers’ conditions and refund policies may be amended by the retailers from time to time.  \n   \n 3. Cover Charges with Points. For each successful transaction using Cover Charges with Points, points will be debited from your Membership Rewards account and a credit placed on your Card in line with the points chosen to be used for the Eligible Charge. A minimum of 1,000 Membership Rewards points is required to cover any eligible transaction with points. Any credit to your Card account cannot exceed the amount of the relevant Eligible Charges. A credit will appear on your statement identified as “Membership Rewards Credit”. Points will be debited immediately and the credit will take up to 3 business days to appear online. Credits processed after the Card account’s statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card account by the due date. Any charges covered by points is not redeemable for cash via Credit balance refund. American Express will select and display each eligible charge that can be covered with points (“Eligible Charge”) and the points rate required to cover the Eligible Charge. Each Eligible Charge must: (a) appear within the Online Statement of the Summary of Accounts page; (b) be redeemed within 2 months of the charge appearing on your Card account; (c) not currently or have previously been disputed; and (d) not be a fee. Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any time without notice. Eligible transactions can be covered by points via your online account or American Express mobile app. Covering charges with points is available only to Basic Cardmembers enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing.  \n   \n 4. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of minimum 3 years 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.  \n   \n 5. To redeem points to any Frequent Traveller Program you must be a member of the applicable Program. Enrolment in such Programs is solely your responsibility and fees may apply. The minimum requirement and transfer rate varies. Subject to the Membership Rewards Terms and Conditions.  \n   \n 6. American Express Travel Online: To earn or 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.  \n   \n 7. Points for Credit: The redemption of Points for a credit to your Card (Points for Credit) will be administered by us within three business days and cannot be reversed. Amounts credited will appear on the first monthly statement following redemption. If you hold multiple Cards linked to the one Membership Rewards Account, the Points for Credit redemption will automatically be credited to the Primary Account only. Points may be redeemed by the Card Member for a credit on the Primary Card Account. 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.\n\n .\n\n## American Express Card\n- [View all Personal Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/all-cards\/personal\/?inav=en_au_footer_american_express_card_view_all_personal_cards \"View all Personal Cards\")\n- [About Personal Cards](https:\/\/www.americanexpress.com\/au\/credit-cards\/?inav=en_au_footer_american_express_card_about_personal_cards \"About Personal Cards\")\n- [View all Business Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/all-cards\/business\/?inav=en_au_footer_american_express_card_view_all_business_cards \"View all Business Cards\")\n- [View all Corporate Cards](https:\/\/www.americanexpress.com\/en-au\/business\/corporate-credit-cards\/?inav=en_au_footer_american_express_card_view_all_corporate_cards \"View all Corporate Cards\")\n- [Add Someone to Your Account](https:\/\/www.americanexpress.com\/au\/credit-cards\/manage-your-card\/additional-card\/?inav=en_au_footer_american_express_card_add_someone_to_your_account \"Add Someone to Your Account\")\n- [Refer a Friend](https:\/\/www.americanexpress.com\/en-au\/referral\/?CPID=100316804&inav=en_au_footer_american_express_card_refer_a_friend \"Refer a Friend\")\n\n## More Products & Services\n- [Insurance](https:\/\/www.americanexpress.com\/au\/insurance\/?inav=en_au_footer_more_products_services_insurance \"Insurance\")\n- [Accept the Card](https:\/\/www.americanexpress.com\/au\/merchant\/accept-amex-cards.html?inav=en_au_footer_more_products_services_accept_the_card \"Accept the Card\")\n- [Register for Online Services](https:\/\/oce.americanexpress.com\/myca\/ocareg\/japa\/action?request_type=un_Register&inav=en_au_footer_my_account_business_owners_register_for_online_services&Face=en_AU#\/splash \"Register for Online Services\")\n- [ATM Locator](https:\/\/network.americanexpress.com\/en\/atm_locator\/?ref=prop&inav=en_au_footer_more_products_services_atm_locator \"ATM Locator\")\n- [Global Network](https:\/\/network.americanexpress.com\/globalnetwork\/v4?inav=en_au_footer_more_products_services_global_network \"Global Network\")\n- [Download the App](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/manage-your-card\/mobile-app\/?inav=en_au_footer_more_products_services_download_the_app \"Download the App\")\n\n## Important Links\n- [Frequently Asked Questions](https:\/\/www.americanexpress.com\/au\/customer-service\/?inav=en_au_footer_important_links_frequently_asked_questions \"Frequently Asked Questions\")\n- [Moving Abroad?](https:\/\/www.americanexpress.com\/us\/customer-service\/global-card-relationship\/?inav=en_au_footer_important_links_moving_abroad \"Moving Abroad?\")\n- [Ways to Pay](https:\/\/www.americanexpress.com\/au\/credit-cards\/manage-your-card\/ways-to-pay\/?inav=en_au_footer_important_links_ways_to_pay \"Ways to Pay\")\n\n## Company Information\n- [About American Express](https:\/\/www.americanexpress.com\/au\/about-us\/?inav=en_au_footer_company_information_about_american_express \"About American Express\")\n- [Careers](https:\/\/www.americanexpress.com\/en-us\/careers\/?inav=en_au_footer_company_information_careers \"Careers\")\n- [Contact Us](https:\/\/www.americanexpress.com\/australia\/customerservice\/contactus.shtml?inav=en_au_footer_company_information_contact_us \"Contact Us\")\n- [Site Map](https:\/\/www.americanexpress.com\/au\/sitemap\/personal.html?inav=en_au_footer_company_information_site_map \"Site Map\")\n\n- American Express Card\n  - [View all Personal Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/all-cards\/personal\/?inav=en_au_footer_american_express_card_view_all_personal_cards \"View all Personal Cards\")\n  - [About Personal Cards](https:\/\/www.americanexpress.com\/au\/credit-cards\/?inav=en_au_footer_american_express_card_about_personal_cards \"About Personal Cards\")\n  - [View all Business Cards](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/all-cards\/business\/?inav=en_au_footer_american_express_card_view_all_business_cards \"View all Business Cards\")\n  - [View all Corporate Cards](https:\/\/www.americanexpress.com\/en-au\/business\/corporate-credit-cards\/?inav=en_au_footer_american_express_card_view_all_corporate_cards \"View all Corporate Cards\")\n  - [Add Someone to Your Account](https:\/\/www.americanexpress.com\/au\/credit-cards\/manage-your-card\/additional-card\/?inav=en_au_footer_american_express_card_add_someone_to_your_account \"Add Someone to Your Account\")\n  - [Refer a Friend](https:\/\/www.americanexpress.com\/en-au\/referral\/?CPID=100316804&inav=en_au_footer_american_express_card_refer_a_friend \"Refer a Friend\")\n- More Products & Services\n  - [Insurance](https:\/\/www.americanexpress.com\/au\/insurance\/?inav=en_au_footer_more_products_services_insurance \"Insurance\")\n  - [Accept the Card](https:\/\/www.americanexpress.com\/au\/merchant\/accept-amex-cards.html?inav=en_au_footer_more_products_services_accept_the_card \"Accept the Card\")\n  - [Register for Online Services](https:\/\/oce.americanexpress.com\/myca\/ocareg\/japa\/action?request_type=un_Register&inav=en_au_footer_my_account_business_owners_register_for_online_services&Face=en_AU#\/splash \"Register for Online Services\")\n  - [ATM Locator](https:\/\/network.americanexpress.com\/en\/atm_locator\/?ref=prop&inav=en_au_footer_more_products_services_atm_locator \"ATM Locator\")\n  - [Global Network](https:\/\/network.americanexpress.com\/globalnetwork\/v4?inav=en_au_footer_more_products_services_global_network \"Global Network\")\n  - [Download the App](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/manage-your-card\/mobile-app\/?inav=en_au_footer_more_products_services_download_the_app \"Download the App\")\n- Important Links\n  - [Frequently Asked Questions](https:\/\/www.americanexpress.com\/au\/customer-service\/?inav=en_au_footer_important_links_frequently_asked_questions \"Frequently Asked Questions\")\n  - [Moving Abroad?](https:\/\/www.americanexpress.com\/us\/customer-service\/global-card-relationship\/?inav=en_au_footer_important_links_moving_abroad \"Moving Abroad?\")\n  - [Ways to Pay](https:\/\/www.americanexpress.com\/au\/credit-cards\/manage-your-card\/ways-to-pay\/?inav=en_au_footer_important_links_ways_to_pay \"Ways to Pay\")\n- Company Information\n  - [About American Express](https:\/\/www.americanexpress.com\/au\/about-us\/?inav=en_au_footer_company_information_about_american_express \"About American Express\")\n  - [Careers](https:\/\/www.americanexpress.com\/en-us\/careers\/?inav=en_au_footer_company_information_careers \"Careers\")\n  - [Contact Us](https:\/\/www.americanexpress.com\/australia\/customerservice\/contactus.shtml?inav=en_au_footer_company_information_contact_us \"Contact Us\")\n  - [Site Map](https:\/\/www.americanexpress.com\/au\/sitemap\/personal.html?inav=en_au_footer_company_information_site_map \"Site Map\")\n***\n![American Express](https:\/\/www.aexp-static.com\/cdaas\/one\/statics\/axp-static-assets\/1.7.1\/package\/dist\/img\/logos\/dls-logo-line.svg)\n\n![Australia](https:\/\/www.aexp-static.com\/cdaas\/one\/statics\/@americanexpress\/static-assets\/2.32.1\/package\/dist\/img\/flags\/dls-flag-au.svg)Australia\n\n[Change Country](https:\/\/www.americanexpress.com\/en-us\/change-country\/)\n\n- [![Connect with Amex on 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)](https:\/\/www.instagram.com\/amexau 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@AskAmex](data:image\/png;base64,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)](https:\/\/x.com\/amexau 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LinkedIn](data:image\/png;base64,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)](https:\/\/www.linkedin.com\/company\/american-express\/ \"Link will open in a new window\")\n- [![YouTube](data:image\/png;base64,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)](https:\/\/www.youtube.com\/user\/AmericanExpressAU \"Link will open in a new window\")\n\n- [Website Rules and Regulations](https:\/\/www.americanexpress.com\/au\/about-us\/disclosures\/online-terms-and-conditions\/?inav=en_au_legalfooter_website_rules_and_regulations \"Website Rules and Regulations\")\n- [Trademarks](https:\/\/www.americanexpress.com\/en-au\/company\/legal\/trademarks\/?inav=en_au_legalfooter_Trademarks \"Trademarks\")\n- [Privacy Statement](https:\/\/www.americanexpress.com\/au\/about-us\/disclosures\/privacy-statement\/?inav=en_au_legalfooter_privacy_statement \"Privacy Statement\")\n- [Security](https:\/\/www.americanexpress.com\/en-au\/credit-cards\/membership-benefits\/why-amex\/service-security\/?inav=en_au_legalfooter_Security \"Security\")\n- [Accessibility](https:\/\/www.americanexpress.com\/au\/about-us\/disclosures\/accessibility\/?inav=en_au_legalfooter_Accessibility \"Accessibility\")\n- [Resolving Complaints](https:\/\/www.americanexpress.com\/en-au\/customer-service\/resolve-complaints\/?inav=en_au_legalfooter_resolving_complaints \"Resolving Complaints\")\n- [Financial Hardship](https:\/\/www.americanexpress.com\/australia\/customerservice\/financial_difficulty.shtml?inav=en_au_legalfooter_financial_hardship \"Financial Hardship\")\n\nCopyright © 2026 [American Express Company](https:\/\/www.americanexpress.com\/en-au\/ \"Copyright © {Year} American Express Company.\")","attrs_readable_markdown":"1. [Home](https:\/\/www.americanexpress.com\/en-au\/)\n2. [Cardmember Benefits](https:\/\/www.americanexpress.com\/au\/credit-cards\/membership-benefits\/)\n3. Membership Rewards Program\n\n![Membership Rewards](https:\/\/www.americanexpress.com\/content\/dam\/amex\/en-au\/benefits\/rewards\/membership-rewards\/MR_singleline_new.jpg)\n\n**We’re proud to be recognised with multiple industry awards**\n\n![finder top](https:\/\/www.americanexpress.com\/content\/dam\/amex\/en-au\/benefits\/rewards\/membership-rewards\/Finder_Provider_of_the_Year_Digital_001000_Finder_Awards.png)\n\n![finder provider](https:\/\/www.americanexpress.com\/content\/dam\/amex\/en-au\/benefits\/rewards\/membership-rewards\/Finder-Provider_of_the_Year-Rewards_Credit_Cards_Finder_Awards.png)\n\n![finder most](https:\/\/www.americanexpress.com\/content\/dam\/amex\/en-au\/benefits\/rewards\/membership-rewards\/Finder_Most_Recommended_Digital_008000_Finder_Awards.png)\n\n![finder top](https:\/\/www.americanexpress.com\/content\/dam\/amex\/en-au\/benefits\/rewards\/membership-rewards\/Finder_Top_Value_Digital_005000_Finder_Awards.png)\n\n![canstar](https:\/\/www.americanexpress.com\/content\/dam\/amex\/en-au\/benefits\/rewards\/membership-rewards\/CANSTAR_2022-2024.png)\n\n## Rewards that actually reward\n![A group of people laughing on a beach](https:\/\/www.americanexpress.com\/content\/dam\/amex\/en-au\/benefits\/rewards\/membership-rewards\/Hero-Image.jpg)\n\nAlready know how you want to use Membership Rewards ® points?   \n Log in to redeem now.\n\nThe Membership Rewards program offers a breadth of rewards so you can propel your journey – wherever it takes you. Earn Membership Rewards points on most everyday purchases, then use points for gift cards, travel rewards, or even to cover recent Card charges. T\\&Cs apply.\n\n**EXPLORE FEATURED REDEMPTIONS**\n\n### Multi Card Carousel\n- - ***\n    ### Use points to shop online at Myer\n    You can now use your Membership Rewards® points to shop online at Myer. Pay for your purchase at checkout with points or a combination of Points & Pay1. Minimum redemption amounts and T\\&Cs apply.\n  - ***\n    ### Shop online and Pay with Points\n    Use your points to pay for your purchases2 at a wide range of online stores. From travel, to tech, to fashion and department stores, you’ll be spoilt for choice.  \n     Minimum redemption amounts and T\\&Cs apply.\n  - ***\n    ### Turn your Membership Rewards® into Everyday Rewards\n    Get \\$10 off your Woolworths shop for every 2,500 Membership Rewards points you transfer. Minimum redemption and T\\&Cs apply.\n- - ***\n    ### Give the gift of Gift Cards\n    Redeem your points for your choice of Gift Cards from your favourite brands.4\n  - ***\n    ### Cover Card purchases using your points\n    Take advantage of Cover Charges with Points by using points to pay off your Card transactions.3\n\n**Why you’ll love Membership Rewards points**\n\n**Unlimited Earning**\n\nWith no caps, you can earn points on eligible spend\n\n**No Expiry**\n\nContinue to earn and grow your points every year\n\n**Flexible**\n\nRedeem for almost anything on points\n\nHow to Redeem Membership Rewards Points\n\nUse Points to Travel\n\nTransfer your Membership Rewards points to a wide range of Airline Rewards and Frequent Guest Partner Programs5.\n\n![A group of people sitting on a rug with a suitcase](https:\/\/www.americanexpress.com\/content\/dam\/amex\/en-au\/benefits\/rewards\/membership-rewards\/Points-For-Travel-2.jpg)\n\nUse Points for Purchases\n\nMembership Rewards gives you the freedom to use your points to cover almost anything you've purchased on your Card3.\n\nLog in to your Account to use points to pay for eligible transactions.\n\n![A person and person looking at a tablet](https:\/\/www.americanexpress.com\/content\/dam\/amex\/en-au\/benefits\/rewards\/membership-rewards\/cover_charges_with_points_365x356.jpg)\n\nUse Points for Gift Cards\n\nRedeem your Membership Rewards points for Gift Cards from leading brands and retailers across fashion, dining, live entertainment and movies, wellness, health services and more4.\n\n![A group of women holding shopping bags](https:\/\/www.americanexpress.com\/content\/dam\/amex\/en-au\/benefits\/rewards\/membership-rewards\/use_points_for_gift_cards_365x356.jpg)\n\nUse Points to Pay\n\nUse your Membership Rewards points to make purchases online and shop at your favourite brands2.\n\n![points for shop](https:\/\/www.americanexpress.com\/content\/dam\/amex\/en-au\/benefits\/rewards\/membership-rewards\/Points-for-Shopping.jpg)\n\n## How to Earn Points\nExplore the different ways to earn Membership Rewards points\n\nUse your Card for everyday purchases like petrol, grocery shopping and eating out\n\nAdd Additional Cards for your family and friends to earn points on their spend. T\\&Cs apply7\n\nRefer a Friend and you could both earn Bonus Points\n\nCheck Amex Offers for Bonus Points offers\n\n## Ready to Start Earning Points\nExplore our lineup of American Express Membership Rewards Cards\n\n![A stack of American Express cards. enlarged for display](https:\/\/www.americanexpress.com\/content\/dam\/amex\/en-au\/benefits\/rewards\/membership-rewards\/cardshop.jpg)\n\nExpect rewards after you apply and are approved for an eligible American Express® Card. You can earn Membership Rewards points for just spending on certain categories, depending on your Card. Terms and Conditions apply.\n\nMembership Rewards FAQs\n\n###\nMembership Rewards is the loyalty program of American Express. For every eligible dollar spent on an eligible American Express Card, Membership Rewards points are earned and credited to your Card Account. Points can then be redeemed for travel rewards, shopping rewards and entertainment rewards and more. There’s no limit to how many Membership Rewards points you can earn. And as long as you’re an active Card Member and your account is in good standing, points will never expire. Subject to the Terms and Conditions of the Membership Rewards program.\n\n###\nRedeem your points by logging in to your Membership Rewards Dashboard where you can browse the different redemption options available. Once logged in, follow the prompts on screen to use your points on the redemption option you choose. Your Membership Rewards points can be redeemed for eligible flights, accommodation, gift cards, shopping and more. Subject to the Terms and Conditions of the Membership Rewards program.\n\n###\nYou can redeem your points for a range of rewards as listed on this page: gift cards, transfer points to airline and hotel partners, shop with points at select retailers or cover your card charges to pay off your statement. Membership Rewards redemptions span across travel, retail, entertainment and dining categories. Subject to the Terms and Conditions of the Membership Rewards program.\n\n###\nChoose a Card that earns Membership Rewards points [here](https:\/\/www.americanexpress.com\/au\/credit-cards\/all-cards\/?inav=au_menu_cards_pc_view_all \"here\"). Depending on your Card, you may be instantly enrolled in Membership Rewards. If your Card is not automatically enrolled in Membership Rewards, you can do so by calling the number at the back of your Card. For Corporate Card holders, you may enrol in Membership Rewards if your Company has chosen to participate in the program. Speak to your Program Administrator for more information .\n\n###\nYou can earn Membership Rewards points for virtually every dollar you spend on your Card. Use your Card for everyday purchases and watch your points add up. With every spend, you earn points and the number of points you can earn is limitless. As long as your Card is in good standing, your points will never expire. Subject to the Terms and Conditions of the Membership Rewards program.\n\n###\nTo quickly earn Membership Rewards points, follow the below tips:\n\n1. Earn points from everyday purchases. From a coffee to a larger grocery shop, they all add up.\n2. Add Additional Cards to your account so that their spend accumulates points for your Account\n3. Refer a friend to get Bonus Points\n4. Check Amex offers for Bonus Points offers.\n\nSubject to the Terms and Conditions of the Membership Rewards program.\n\n###\nYou can check your points balance by logging in to your Membership Rewards [Dashboard](https:\/\/www.americanexpress.com\/en-au\/account\/login?DestPage=https%3A%2F%2Fglobal.americanexpress.com%2Fmyca%2Fintl%2Frewards%2Fjapa%2Faction%3Frequest_type%3Dauthreg_MrMultipleAccounts%26Face%3Den_AU%26DestPage%3Dhttps%3A%2F%2Fwww.americanexpress.com%2Fen-au%2Frewards%2Fmembership-rewards%2F \"Dashboard\"). There you will be able to see your points balance, your history of points redeemed as well as view the redemption options available.\n\n###\nThe Membership Rewards Ascent program is available on a range of Personal and business Cards: Platinum Edge Credit Card and the Gold Business Card. It offers a range of redemption options. If you are enrolled in the Ascent program, log in to the Membership Rewards [Dashboard](https:\/\/www.americanexpress.com\/en-au\/account\/login?DestPage=https%3A%2F%2Fglobal.americanexpress.com%2Fmyca%2Fintl%2Frewards%2Fjapa%2Faction%3Frequest_type%3Dauthreg_MrMultipleAccounts%26Face%3Den_AU%26DestPage%3Dhttps%3A%2F%2Fwww.americanexpress.com%2Fen-au%2Frewards%2Fmembership-rewards%2F \"Dashboard\") to see the redemptions available to you.\n\n## Membership Rewards Terms and Conditions\nView full Terms and Conditions:\n\nMembership Rewards Terms and Conditions - Consumer:\n\n- [Terms and Conditions effective from 15 December 2025 (inclusive)](https:\/\/www.americanexpress.com\/content\/dam\/amex\/en-au\/company\/terms-and-conditions\/AME12313_MRTCsDoc-Consumer_FA.pdf \" \")\n\nMembership Rewards Terms and Conditions – Business and Corporate:\n\n- [Terms and Conditions effective from 15 December 2025 (inclusive)](https:\/\/www.americanexpress.com\/content\/dam\/amex\/en-au\/company\/terms-and-conditions\/AME12313_MRTCsDoc-SBSCorp_FA.pdf \" \")\n\n*[Qantas Direct Cards](https:\/\/www.americanexpress.com\/en-au\/rewards\/membership-rewards\/getwebimage.mtw?webimagename=MRT_Qantas%20Direct%20Updated_TCs_141118.pdf \" \")*\n\n1\\. You may use Points to make purchases at Myer. You need to indicate at the time of purchase that you wish to Pay with Points. Individual retailers provide specific delivery and refund polices. Refund policies for Pay with Points retail Partners are subject to the Terms and Conditions of the retail Partner. The retailers’ conditions and refund policies may be amended by the retailers from time to time.\n\n2\\. You may use Points to make purchases at certain retailers listed on our website. You need to indicate at the time of purchase that you wish to Pay with Points. Individual retailers provide specific delivery and refund polices. Refund policies for Pay with Points retail Partners are subject to the Terms and Conditions of the retail Partner. The retailers’ conditions and refund policies may be amended by the retailers from time to time.\n\n3\\. Cover Charges with Points. For each successful transaction using Cover Charges with Points, points will be debited from your Membership Rewards account and a credit placed on your Card in line with the points chosen to be used for the Eligible Charge. A minimum of 1,000 Membership Rewards points is required to cover any eligible transaction with points. Any credit to your Card account cannot exceed the amount of the relevant Eligible Charges. A credit will appear on your statement identified as “Membership Rewards Credit”. Points will be debited immediately and the credit will take up to 3 business days to appear online. Credits processed after the Card account’s statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card account by the due date. Any charges covered by points is not redeemable for cash via Credit balance refund. American Express will select and display each eligible charge that can be covered with points (“Eligible Charge”) and the points rate required to cover the Eligible Charge. Each Eligible Charge must: (a) appear within the Online Statement of the Summary of Accounts page; (b) be redeemed within 2 months of the charge appearing on your Card account; (c) not currently or have previously been disputed; and (d) not be a fee. Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any time without notice. Eligible transactions can be covered by points via your online account or American Express mobile app. Covering charges with points is available only to Basic Cardmembers enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing.\n\n4\\. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of minimum 3 years 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.\n\n5\\. To redeem points to any Frequent Traveller Program you must be a member of the applicable Program. Enrolment in such Programs is solely your responsibility and fees may apply. The minimum requirement and transfer rate varies. Subject to the Membership Rewards Terms and Conditions.\n\n6\\. American Express Travel Online: To earn or 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.\n\n7\\. Points for Credit: The redemption of Points for a credit to your Card (Points for Credit) will be administered by us within three business days and cannot be reversed. Amounts credited will appear on the first monthly statement following redemption. If you hold multiple Cards linked to the one Membership Rewards Account, the Points for Credit redemption will automatically be credited to the Primary Account only. Points may be redeemed by the Card Member for a credit on the Primary Card Account. 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.\n\n .","meta_canonical":null}

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URL	https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/
Last Crawled	2026-04-16 12:08:03 (3 days ago)
First Indexed	2024-07-14 04:19:29 (1 year ago)
HTTP Status Code	200
Meta Title	Membership Rewards® Program \| American Express AU
Meta Description	Our Membership Rewards Program allows you to earn points that can be redeemed towards travel rewards, shopping rewards and gift cards. Learn more.
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Boilerpipe Text	Home Cardmember Benefits Membership Rewards Program We’re proud to be recognised with multiple industry awards Rewards that actually reward Already know how you want to use Membership Rewards ® points? Log in to redeem now. The Membership Rewards program offers a breadth of rewards so you can propel your journey – wherever it takes you. Earn Membership Rewards points on most everyday purchases, then use points for gift cards, travel rewards, or even to cover recent Card charges. T&Cs apply. EXPLORE FEATURED REDEMPTIONS Multi Card Carousel Use points to shop online at Myer You can now use your Membership Rewards ® points to shop online at Myer. Pay for your purchase at checkout with points or a combination of Points & Pay 1 . Minimum redemption amounts and T&Cs apply. Shop online and Pay with Points Use your points to pay for your purchases 2 at a wide range of online stores. From travel, to tech, to fashion and department stores, you’ll be spoilt for choice. Minimum redemption amounts and T&Cs apply. Turn your Membership Rewards® into Everyday Rewards Get $10 off your Woolworths shop for every 2,500 Membership Rewards points you transfer. Minimum redemption and T&Cs apply. Give the gift of Gift Cards Redeem your points for your choice of Gift Cards from your favourite brands. 4 Cover Card purchases using your points Take advantage of Cover Charges with Points by using points to pay off your Card transactions. 3 Why you’ll love Membership Rewards points Unlimited Earning With no caps, you can earn points on eligible spend No Expiry Continue to earn and grow your points every year Flexible Redeem for almost anything on points How to Redeem Membership Rewards Points Use Points to Travel Transfer your Membership Rewards points to a wide range of Airline Rewards and Frequent Guest Partner Programs 5 . Use Points for Purchases Membership Rewards gives you the freedom to use your points to cover almost anything you've purchased on your Card 3 . Log in to your Account to use points to pay for eligible transactions. Use Points for Gift Cards Redeem your Membership Rewards points for Gift Cards from leading brands and retailers across fashion, dining, live entertainment and movies, wellness, health services and more 4 . Use Points to Pay Use your Membership Rewards points to make purchases online and shop at your favourite brands 2 . How to Earn Points Explore the different ways to earn Membership Rewards points card-contactless card-contactless Use your Card for everyday purchases like petrol, grocery shopping and eating out cards cards Add Additional Cards for your family and friends to earn points on their spend. T&Cs apply 7 p2p p2p Refer a Friend and you could both earn Bonus Points offers-mobile offers-mobile Check Amex Offers for Bonus Points offers Ready to Start Earning Points Explore our lineup of American Express Membership Rewards Cards Expect rewards after you apply and are approved for an eligible American Express ® Card. You can earn Membership Rewards points for just spending on certain categories, depending on your Card. Terms and Conditions apply. Membership Rewards FAQs Membership Rewards is the loyalty program of American Express. For every eligible dollar spent on an eligible American Express Card, Membership Rewards points are earned and credited to your Card Account. Points can then be redeemed for travel rewards, shopping rewards and entertainment rewards and more. There’s no limit to how many Membership Rewards points you can earn. And as long as you’re an active Card Member and your account is in good standing, points will never expire. Subject to the Terms and Conditions of the Membership Rewards program. Redeem your points by logging in to your Membership Rewards Dashboard where you can browse the different redemption options available. Once logged in, follow the prompts on screen to use your points on the redemption option you choose. Your Membership Rewards points can be redeemed for eligible flights, accommodation, gift cards, shopping and more. Subject to the Terms and Conditions of the Membership Rewards program. You can redeem your points for a range of rewards as listed on this page: gift cards, transfer points to airline and hotel partners, shop with points at select retailers or cover your card charges to pay off your statement. Membership Rewards redemptions span across travel, retail, entertainment and dining categories. Subject to the Terms and Conditions of the Membership Rewards program. Choose a Card that earns Membership Rewards points here . Depending on your Card, you may be instantly enrolled in Membership Rewards. If your Card is not automatically enrolled in Membership Rewards, you can do so by calling the number at the back of your Card. For Corporate Card holders, you may enrol in Membership Rewards if your Company has chosen to participate in the program. Speak to your Program Administrator for more information . You can earn Membership Rewards points for virtually every dollar you spend on your Card. Use your Card for everyday purchases and watch your points add up. With every spend, you earn points and the number of points you can earn is limitless. As long as your Card is in good standing, your points will never expire. Subject to the Terms and Conditions of the Membership Rewards program. To quickly earn Membership Rewards points, follow the below tips: Earn points from everyday purchases. From a coffee to a larger grocery shop, they all add up. Add Additional Cards to your account so that their spend accumulates points for your Account Refer a friend to get Bonus Points Check Amex offers for Bonus Points offers. Subject to the Terms and Conditions of the Membership Rewards program. You can check your points balance by logging in to your Membership Rewards Dashboard . There you will be able to see your points balance, your history of points redeemed as well as view the redemption options available. The Membership Rewards Ascent program is available on a range of Personal and business Cards: Platinum Edge Credit Card and the Gold Business Card. It offers a range of redemption options. If you are enrolled in the Ascent program, log in to the Membership Rewards Dashboard to see the redemptions available to you. Membership Rewards Terms and Conditions View full Terms and Conditions: Membership Rewards Terms and Conditions - Consumer: Terms and Conditions effective from 15 December 2025 (inclusive) opens in new window Membership Rewards Terms and Conditions – Business and Corporate: Terms and Conditions effective from 15 December 2025 (inclusive) opens in new window Qantas Direct Cards 1. You may use Points to make purchases at Myer. You need to indicate at the time of purchase that you wish to Pay with Points. Individual retailers provide specific delivery and refund polices. Refund policies for Pay with Points retail Partners are subject to the Terms and Conditions of the retail Partner. The retailers’ conditions and refund policies may be amended by the retailers from time to time. 2. You may use Points to make purchases at certain retailers listed on our website. You need to indicate at the time of purchase that you wish to Pay with Points. Individual retailers provide specific delivery and refund polices. Refund policies for Pay with Points retail Partners are subject to the Terms and Conditions of the retail Partner. The retailers’ conditions and refund policies may be amended by the retailers from time to time. 3. Cover Charges with Points. For each successful transaction using Cover Charges with Points, points will be debited from your Membership Rewards account and a credit placed on your Card in line with the points chosen to be used for the Eligible Charge. A minimum of 1,000 Membership Rewards points is required to cover any eligible transaction with points. Any credit to your Card account cannot exceed the amount of the relevant Eligible Charges. A credit will appear on your statement identified as “Membership Rewards Credit”. Points will be debited immediately and the credit will take up to 3 business days to appear online. Credits processed after the Card account’s statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card account by the due date. Any charges covered by points is not redeemable for cash via Credit balance refund. American Express will select and display each eligible charge that can be covered with points (“Eligible Charge”) and the points rate required to cover the Eligible Charge. Each Eligible Charge must: (a) appear within the Online Statement of the Summary of Accounts page; (b) be redeemed within 2 months of the charge appearing on your Card account; (c) not currently or have previously been disputed; and (d) not be a fee. Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any time without notice. Eligible transactions can be covered by points via your online account or American Express mobile app. Covering charges with points is available only to Basic Cardmembers enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing. 4. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of minimum 3 years 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. 5. To redeem points to any Frequent Traveller Program you must be a member of the applicable Program. Enrolment in such Programs is solely your responsibility and fees may apply. The minimum requirement and transfer rate varies. Subject to the Membership Rewards Terms and Conditions. 6. American Express Travel Online: To earn or 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. 7. Points for Credit: The redemption of Points for a credit to your Card (Points for Credit) will be administered by us within three business days and cannot be reversed. Amounts credited will appear on the first monthly statement following redemption. If you hold multiple Cards linked to the one Membership Rewards Account, the Points for Credit redemption will automatically be credited to the Primary Account only. Points may be redeemed by the Card Member for a credit on the Primary Card Account. 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. .
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Travel - ## Online Travel - [Book Travel Online](https://www.americanexpress.com/en-au/travel/?inav=en_au_menu_travel_online_travel_book_travel_online) - [Book Fine Hotels + Resorts](https://hotel-booking.americanexpress.com/en-au/fhr/welcome?inav=en_au_menu_travel_online_travel_book_fine_hotels_resorts) - [Book The Hotel Collection](https://hotel-booking.americanexpress.com/en-au/thc/welcome?inav=en_au_menu_travel_online_travel_book_the_hotel_collection) - [Manage My Bookings](https://www.americanexpress.com/en-au/travel/my-bookings/summary?intlink=mtsi-AU-managemybookings-online-iNav-prod-int&inav=en_au_menu_travel_online_travel_manage_my_bookings) - ## Travel Resources - [Travel Insurance](https://www.americanexpress.com/au/insurance/travel-insurance/?inav=en_au_menu_travel_travel_resources_travel_insurance) - [Using Your Card Overseas](https://www.americanexpress.com/au/credit-cards/manage-your-card/using-your-card-abroad/?inav=en_au_menu_travel_travel_resources_using_your_card_overseas) - 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Business - ## Business Cards - [Business Home](https://www.americanexpress.com/au/business/?inav=en_au_menu_business_business_cards_business_home) - [View all Business Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/business/?inav=en_au_menu_business_business_cards_view_all_business_cards) - [Business Insights](https://www.americanexpress.com/en-au/articles/life-with-amex/business-insights/?inav=en_au_menu_business_business_cards_business_insights) - ## Corporations - [View all Corporate Cards](https://www.americanexpress.com/en-au/business/corporate-credit-cards/?inav=en_au_menu_business_corporations_view_all_corporate_cards) - [Corporate Payment Solutions](https://www.americanexpress.com/au/business/payment-solutions/?inav=en_au_menu_business_corporations_corporate_payment_solutions) - ## Merchants - [Merchant Home](https://www.americanexpress.com/au/merchant/index.html?inav=en_au_menu_business_merchants_merchant_home) - [Accept the Card](https://www.americanexpress.com/au/merchant/accept-amex-cards.html?inav=en_au_menu_business_merchants_accept_the_card) - [Manage Merchant Account](https://www.americanexpress.com/en-au/business/merchant/manage-account.html?inav=en_au_menu_business_merchants_manage_merchant_account) - ## Support - [Business and Corporate Customer Centre](https://www.americanexpress.com/au/business/customer-centre/?inav=en_au_menu_business_support_business_and_corporate_customer_centre) - [View all Merchant FAQs](https://www.americanexpress.com/en-au/business/merchant/help-support.html?inav=en_au_menu_business_support_view_all_merchant_faqs) ![](https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.32.1/package/dist/img/flags/dls-flag-au.svg)Australia [Change Country](https://www.americanexpress.com/en-us/change-country/?inav=en_au_menu_changeCountry) Search Button Search Close - [Contact Us](https://www.americanexpress.com/au/contact-us/?inav=en_au_menu_help) [Login](https://www.americanexpress.com/en-au/account/login?inav=en_au_menu_login) [Logout](https://www.americanexpress.com/en-au/account/logout?inav=en_au_menu_logout) [Login](https://www.americanexpress.com/en-au/account/login?inav=en_au_menu_login) [Logout](https://www.americanexpress.com/en-au/account/logout?inav=en_au_menu_logout) - My Account - [Your Account](https://global.americanexpress.com/dashboard?inav=en_au_menu_my_account_card_accounts_your_account) - [Activate a New Card](https://oce.americanexpress.com/myca/ocareg/japa/action?request_type=un_Activation&inav=en_au_menu_my_account_card_accounts_activate_a_new_card&Face=en_AU#/splash) - [Register for Online Services](https://oce.americanexpress.com/myca/ocareg/japa/action?request_type=un_Register&inav=en_au_menu_my_account_card_accounts_register_for_online_services&Face=en_AU#/splash) - [Add Someone to Your Account](https://www.americanexpress.com/au/credit-cards/manage-your-card/additional-card/?inav=en_au_menu_my_account_card_accounts_add_someone_to_your_account) - [Moving Abroad? Transfer Your Card](https://www.americanexpress.com/us/customer-service/global-card-relationship/?inav=en_au_menu_my_account_card_accounts_moving_abroad_transfer_your_card) - [Your Account](https://global.americanexpress.com/dashboard?inav=en_au_menu_my_account_business_owners_your_account) - [Activate a New Card](https://global.americanexpress.com/myca/ocareg/japa/action?request_type=un_Activation&inav=en_au_menu_my_account_business_owners_activate_a_new_card&Face=en_AU#/splash) - [Register for Online Services](https://oce.americanexpress.com/myca/ocareg/japa/action?request_type=un_Register&inav=en_au_menu_my_account_business_owners_register_for_online_services&Face=en_AU#/splash) - [American Express @Work](https://www.americanexpress.com/en-au/account/at-work/login/?TARGET=https://www.americanexpress.com/en-au/at-work/&inav=en_au_menu_my_account_other_accounts_american_express_work) - [Online Merchant Services](https://www.americanexpress.com/au/merchant/index.html?inav=en_au_menu_my_account_other_accounts_online_merchant_services) - [Support 24/7](https://www.americanexpress.com/au/contact-us/?inav=en_au_menu_my_account_help_support_support_247) - [Forgot User ID or Password?](https://www.americanexpress.com/en-au/account/password/recover?inav=en_au_menu_my_account_help_support_forgot_user_id_or_password) - [Resolving Complaints](https://www.americanexpress.com/en-au/customer-service/resolve-complaints/?inav=en_au_menu_my_account_help_support_resolving_complaints) - [Financial Hardship](https://www.americanexpress.com/australia/customerservice/financial_difficulty.shtml?inav=en_au_menu_my_account_help_support_financial_hardship) - Cards - [View All Personal Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/?inav=en_au_menu_cards_personal_cards_view_all_personal_cards) - [About Personal Cards](https://www.americanexpress.com/au/credit-cards/?inav=en_au_menu_cards_personal_cards_about_personal_cards) - [Frequent Flyer Cards](https://www.americanexpress.com/en-au/credit-cards/card-types/frequent-flyer-cards/?inav=en_au_menu_cards_personal_cards_frequent_flyer_cards) - [Premium Cards](https://www.americanexpress.com/en-au/credit-cards/card-types/premium-cards/?inav=en_au_menu_cards_personal_cards_premium_cards) - [Rewards Cards](https://www.americanexpress.com/en-au/credit-cards/card-types/rewards-cards/?inav=en_au_menu_cards_personal_cards_rewards_cards) - [Add Someone to Your Account](https://www.americanexpress.com/au/credit-cards/manage-your-card/additional-card/?inav=en_au_menu_cards_personal_cards_add_someone_to_your_account) - [View all Business Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/business/?inav=en_au_menu_cards_business_cards_view_all_business_cards) - [About Business Cards](https://www.americanexpress.com/au/business/?inav=en_au_menu_cards_business_cards_about_business_cards) - [Benefits of a Business Card](https://www.americanexpress.com/au/business/benefits/?inav=en_au_menu_cards_business_cards_benefits_of_a_business_card) - [View all Corporate Cards](https://www.americanexpress.com/en-au/business/corporate-credit-cards/?inav=en_au_menu_cards_corporate_cards_view_all_corporate_cards) - [Corporate Payment Solutions](https://www.americanexpress.com/au/business/payment-solutions/?inav=en_au_menu_cards_corporate_cards_corporate_payment_solutions) - [How Does a Personal Credit Card Work?](https://www.americanexpress.com/au/credit-cards/?inav=en_au_menu_cards_support_how_does_a_personal_credit_card_work) - [How Does a Charge Card Work?](https://www.americanexpress.com/au/credit-cards/about-credit-cards/what-is-a-charge-card/?inav=en_au_menu_cards_support_how_does_a_charge_card_work) - [View all FAQs](https://www.americanexpress.com/au/customer-service/transactions-payments-statements/?inav=en_au_menu_cards_support_view_all_faqs#topic-1) - Travel - [Book Travel Online](https://www.americanexpress.com/en-au/travel/?inav=en_au_menu_travel_online_travel_book_travel_online) - [Book Fine Hotels + Resorts](https://hotel-booking.americanexpress.com/en-au/fhr/welcome?inav=en_au_menu_travel_online_travel_book_fine_hotels_resorts) - [Book The Hotel Collection](https://hotel-booking.americanexpress.com/en-au/thc/welcome?inav=en_au_menu_travel_online_travel_book_the_hotel_collection) - [Manage My Bookings](https://www.americanexpress.com/en-au/travel/my-bookings/summary?intlink=mtsi-AU-managemybookings-online-iNav-prod-int&inav=en_au_menu_travel_online_travel_manage_my_bookings) - [Travel Insurance](https://www.americanexpress.com/au/insurance/travel-insurance/?inav=en_au_menu_travel_travel_resources_travel_insurance) - [Using Your Card Overseas](https://www.americanexpress.com/au/credit-cards/manage-your-card/using-your-card-abroad/?inav=en_au_menu_travel_travel_resources_using_your_card_overseas) - [Card Member Benefits](https://www.americanexpress.com/en-au/credit-cards/membership-benefits/why-amex/travel/?inav=en_au_menu_travel_travel_resources_card_member_benefits) - [Global Business Travel Solutions](https://www.amexglobalbusinesstravel.com/au?inav=en_au_menu_travel_business_travel_global_business_travel_solutions) - [Travelers Cheques](https://www.americanexpress.com/au/travel/travelers-cheques/?inav=en_au_menu_travel_travel_money_travelers_cheques) - [Qantas Cards](https://www.americanexpress.com/en-au/credit-cards/card-types/frequent-flyer-cards/qantas-cards/?inav=en_au_menu_travel_travel_money_qantas_cards) - [Velocity Cards](https://www.americanexpress.com/en-au/credit-cards/card-types/frequent-flyer-cards/velocity-cards/?inav=en_au_menu_travel_travel_money_velocity_cards) - [Travel Rewards Cards](https://www.americanexpress.com/en-au/credit-cards/card-types/travel-cards/?inav=en_au_menu_travel_travel_money_travel_rewards_cards) - Insurance - [Insurance Home Page](https://www.americanexpress.com/au/insurance/?inav=en_au_menu_insurance_all_insurance_services_insurance_home_page) - [Insurance with your card](https://www.americanexpress.com/au/insurance/insurance-with-your-card/?inav=en_au_menu_insurance_all_insurance_services_insurance_with_your_card) - [Other Insurance](https://www.americanexpress.com/au/insurance/other-insurance/?inav=en_au_menu_insurance_all_insurance_services_other_insurance) - [Travel Insurance](https://www.americanexpress.com/au/insurance/travel-insurance/?inav=en_au_menu_insurance_travel_insurance_travel_insurance) - Rewards & Benefits - [Membership Rewards Program](https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/?inav=en_au_menu_rewards_benefits_rewards_membership_rewards_program) - [Qantas Frequent Flyer](https://www.americanexpress.com/en-au/credit-cards/card-types/frequent-flyer-cards/qantas-cards/?inav=en_au_menu_rewards_benefits_rewards_qantas_frequent_flyer) - [Velocity Frequent Flyer](https://www.americanexpress.com/en-au/credit-cards/card-types/frequent-flyer-cards/velocity-cards/?inav=en_au_menu_rewards_benefits_rewards_velocity_frequent_flyer) - [Refer a Friend](https://www.americanexpress.com/en-au/referral/?inav=en_au_menu_rewards_benefits_rewards_refer_a_friend) - [Explore Cards and Benefits](https://www.americanexpress.com/au/credit-cards/membership-benefits/?inav=en_au_menu_rewards_benefits_benefits_and_offers_explore_cards_and_benefits) - [Amex Offers](https://www.americanexpress.com/en-au/credit-cards/membership-benefits/why-amex/offers/?inav=en_au_menu_rewards_benefits_benefits_and_offers_amex_offers) - [Payment Flexibility](https://www.americanexpress.com/en-au/credit-cards/membership-benefits/why-amex/payment-flexibility/?intlink=em-AU-ICS-TopNav&inav=en_au_menu_rewards_benefits_benefits_and_offers_payment_flexibility) - [Entertainment and Events](https://www.americanexpress.com/en-au/benefits/entertainment/events/?inav=en_au_menu_rewards_benefits_benefits_and_offers_entertainment_and_events) - [Why Amex](https://www.americanexpress.com/en-au/credit-cards/membership-benefits/why-amex/?inav=en_au_menu_rewards_benefits_benefits_and_offers_why_amex) - [Life With Amex](https://www.americanexpress.com/en-au/articles/life-with-amex/?inav=en_au_menu_rewards_benefits_benefits_and_offers_life_with_amex) - [Dashboard](https://global.americanexpress.com/rewards/?inav=en_au_menu_rewards_benefits_manage_membership_dashboard) - [Shop with Points](https://global.americanexpress.com/rewards/pay-with-points?inav=en_au_menu_rewards_benefits_manage_membership_shop_with_points) - [Cover Charges with Points](https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/cover-charges-with-points/?inav=en_au_menu_rewards_benefits_manage_membership_cover_charges_with_points) - [Travel with Points](https://www.americanexpress.com/au/travel/how-to-pay-with-points/?inav=en_au_menu_rewards_benefits_manage_membership_travel_with_points) - [Redeem Points for Gift Cards](https://global.americanexpress.com/rewards/gift-cards?inav=en_au_menu_rewards_benefits_manage_membership_redeem_points_for_gift_cards) - [Transfer Points to Airlines and Hotels](https://global.americanexpress.com/rewards/transfer?inav=en_au_menu_rewards_benefits_manage_membership_transfer_points_to_airlines_and_hotels) - [View all Membership Rewards FAQs](https://www.americanexpress.com/au/customer-service/membership-rewards/?inav=en_au_menu_rewards_benefits_support_view_all_membership_rewards_faqs) - [View all Benefits & Offers FAQs](https://www.americanexpress.com/au/customer-service/features-and-benefits/?inav=en_au_menu_rewards_benefits_support_view_all_benefits_offers_faqs) - [Security](https://www.americanexpress.com/en-au/credit-cards/membership-benefits/why-amex/service-security/?inav=en_au_menu_rewards_benefits_support_security) - Business - [Business Home](https://www.americanexpress.com/au/business/?inav=en_au_menu_business_business_cards_business_home) - [View all Business Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/business/?inav=en_au_menu_business_business_cards_view_all_business_cards) - [Business Insights](https://www.americanexpress.com/en-au/articles/life-with-amex/business-insights/?inav=en_au_menu_business_business_cards_business_insights) - [View all Corporate Cards](https://www.americanexpress.com/en-au/business/corporate-credit-cards/?inav=en_au_menu_business_corporations_view_all_corporate_cards) - [Corporate Payment Solutions](https://www.americanexpress.com/au/business/payment-solutions/?inav=en_au_menu_business_corporations_corporate_payment_solutions) - [Merchant Home](https://www.americanexpress.com/au/merchant/index.html?inav=en_au_menu_business_merchants_merchant_home) - [Accept the Card](https://www.americanexpress.com/au/merchant/accept-amex-cards.html?inav=en_au_menu_business_merchants_accept_the_card) - [Manage Merchant Account](https://www.americanexpress.com/en-au/business/merchant/manage-account.html?inav=en_au_menu_business_merchants_manage_merchant_account) - [Business and Corporate Customer Centre](https://www.americanexpress.com/au/business/customer-centre/?inav=en_au_menu_business_support_business_and_corporate_customer_centre) - [View all Merchant FAQs](https://www.americanexpress.com/en-au/business/merchant/help-support.html?inav=en_au_menu_business_support_view_all_merchant_faqs) [Contact Us](https://www.americanexpress.com/au/contact-us/?inav=en_au_menu_help) ![](https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.32.1/package/dist/img/flags/dls-flag-au.svg)Australia [Change Country](https://www.americanexpress.com/en-us/change-country/?inav=en_au_menu_changeCountry) - - My Account - #### Card Accounts - [Your Account](https://global.americanexpress.com/dashboard?inav=en_au_menu_my_account_card_accounts_your_account) - [Activate a New Card](https://oce.americanexpress.com/myca/ocareg/japa/action?request_type=un_Activation&inav=en_au_menu_my_account_card_accounts_activate_a_new_card&Face=en_AU#/splash) - [Register for Online Services](https://oce.americanexpress.com/myca/ocareg/japa/action?request_type=un_Register&inav=en_au_menu_my_account_card_accounts_register_for_online_services&Face=en_AU#/splash) - [Add Someone to Your Account](https://www.americanexpress.com/au/credit-cards/manage-your-card/additional-card/?inav=en_au_menu_my_account_card_accounts_add_someone_to_your_account) - [Moving Abroad? Transfer Your Card](https://www.americanexpress.com/us/customer-service/global-card-relationship/?inav=en_au_menu_my_account_card_accounts_moving_abroad_transfer_your_card) - #### Business Owners - [Your Account](https://global.americanexpress.com/dashboard?inav=en_au_menu_my_account_business_owners_your_account) - [Activate a New Card](https://global.americanexpress.com/myca/ocareg/japa/action?request_type=un_Activation&inav=en_au_menu_my_account_business_owners_activate_a_new_card&Face=en_AU#/splash) - [Register for Online Services](https://oce.americanexpress.com/myca/ocareg/japa/action?request_type=un_Register&inav=en_au_menu_my_account_business_owners_register_for_online_services&Face=en_AU#/splash) - #### Other Accounts - [American Express @Work](https://www.americanexpress.com/en-au/account/at-work/login/?TARGET=https://www.americanexpress.com/en-au/at-work/&inav=en_au_menu_my_account_other_accounts_american_express_work) - [Online Merchant Services](https://www.americanexpress.com/au/merchant/index.html?inav=en_au_menu_my_account_other_accounts_online_merchant_services) - #### Help & Support - [Support 24/7](https://www.americanexpress.com/au/contact-us/?inav=en_au_menu_my_account_help_support_support_247) - [Forgot User ID or Password?](https://www.americanexpress.com/en-au/account/password/recover?inav=en_au_menu_my_account_help_support_forgot_user_id_or_password) - [Resolving Complaints](https://www.americanexpress.com/en-au/customer-service/resolve-complaints/?inav=en_au_menu_my_account_help_support_resolving_complaints) - [Financial Hardship](https://www.americanexpress.com/australia/customerservice/financial_difficulty.shtml?inav=en_au_menu_my_account_help_support_financial_hardship) - - Cards - #### Personal Cards - [View All Personal Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/?inav=en_au_menu_cards_personal_cards_view_all_personal_cards) - [About Personal Cards](https://www.americanexpress.com/au/credit-cards/?inav=en_au_menu_cards_personal_cards_about_personal_cards) - [Frequent Flyer Cards](https://www.americanexpress.com/en-au/credit-cards/card-types/frequent-flyer-cards/?inav=en_au_menu_cards_personal_cards_frequent_flyer_cards) - [Premium Cards](https://www.americanexpress.com/en-au/credit-cards/card-types/premium-cards/?inav=en_au_menu_cards_personal_cards_premium_cards) - [Rewards Cards](https://www.americanexpress.com/en-au/credit-cards/card-types/rewards-cards/?inav=en_au_menu_cards_personal_cards_rewards_cards) - [Add Someone to Your Account](https://www.americanexpress.com/au/credit-cards/manage-your-card/additional-card/?inav=en_au_menu_cards_personal_cards_add_someone_to_your_account) - #### Business Cards - [View all Business Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/business/?inav=en_au_menu_cards_business_cards_view_all_business_cards) - [About Business Cards](https://www.americanexpress.com/au/business/?inav=en_au_menu_cards_business_cards_about_business_cards) - [Benefits of a Business Card](https://www.americanexpress.com/au/business/benefits/?inav=en_au_menu_cards_business_cards_benefits_of_a_business_card) - #### Corporate Cards - [View all Corporate Cards](https://www.americanexpress.com/en-au/business/corporate-credit-cards/?inav=en_au_menu_cards_corporate_cards_view_all_corporate_cards) - [Corporate Payment Solutions](https://www.americanexpress.com/au/business/payment-solutions/?inav=en_au_menu_cards_corporate_cards_corporate_payment_solutions) - #### Support - [How Does a Personal Credit Card Work?](https://www.americanexpress.com/au/credit-cards/?inav=en_au_menu_cards_support_how_does_a_personal_credit_card_work) - [How Does a Charge Card Work?](https://www.americanexpress.com/au/credit-cards/about-credit-cards/what-is-a-charge-card/?inav=en_au_menu_cards_support_how_does_a_charge_card_work) - [View all FAQs](https://www.americanexpress.com/au/customer-service/transactions-payments-statements/?inav=en_au_menu_cards_support_view_all_faqs#topic-1) - - Travel - #### Online Travel - [Book Travel Online](https://www.americanexpress.com/en-au/travel/?inav=en_au_menu_travel_online_travel_book_travel_online) - [Book Fine Hotels + Resorts](https://hotel-booking.americanexpress.com/en-au/fhr/welcome?inav=en_au_menu_travel_online_travel_book_fine_hotels_resorts) - [Book The Hotel Collection](https://hotel-booking.americanexpress.com/en-au/thc/welcome?inav=en_au_menu_travel_online_travel_book_the_hotel_collection) - [Manage My Bookings](https://www.americanexpress.com/en-au/travel/my-bookings/summary?intlink=mtsi-AU-managemybookings-online-iNav-prod-int&inav=en_au_menu_travel_online_travel_manage_my_bookings) - #### Travel Resources - [Travel Insurance](https://www.americanexpress.com/au/insurance/travel-insurance/?inav=en_au_menu_travel_travel_resources_travel_insurance) - [Using Your Card Overseas](https://www.americanexpress.com/au/credit-cards/manage-your-card/using-your-card-abroad/?inav=en_au_menu_travel_travel_resources_using_your_card_overseas) - [Card Member Benefits](https://www.americanexpress.com/en-au/credit-cards/membership-benefits/why-amex/travel/?inav=en_au_menu_travel_travel_resources_card_member_benefits) - #### Business Travel - [Global Business Travel Solutions](https://www.amexglobalbusinesstravel.com/au?inav=en_au_menu_travel_business_travel_global_business_travel_solutions) - #### Travel Money - [Travelers Cheques](https://www.americanexpress.com/au/travel/travelers-cheques/?inav=en_au_menu_travel_travel_money_travelers_cheques) - [Qantas Cards](https://www.americanexpress.com/en-au/credit-cards/card-types/frequent-flyer-cards/qantas-cards/?inav=en_au_menu_travel_travel_money_qantas_cards) - [Velocity Cards](https://www.americanexpress.com/en-au/credit-cards/card-types/frequent-flyer-cards/velocity-cards/?inav=en_au_menu_travel_travel_money_velocity_cards) - [Travel Rewards Cards](https://www.americanexpress.com/en-au/credit-cards/card-types/travel-cards/?inav=en_au_menu_travel_travel_money_travel_rewards_cards) - - Insurance - #### All Insurance Services - [Insurance Home Page](https://www.americanexpress.com/au/insurance/?inav=en_au_menu_insurance_all_insurance_services_insurance_home_page) - [Insurance with your card](https://www.americanexpress.com/au/insurance/insurance-with-your-card/?inav=en_au_menu_insurance_all_insurance_services_insurance_with_your_card) - [Other Insurance](https://www.americanexpress.com/au/insurance/other-insurance/?inav=en_au_menu_insurance_all_insurance_services_other_insurance) - #### Travel Insurance - [Travel Insurance](https://www.americanexpress.com/au/insurance/travel-insurance/?inav=en_au_menu_insurance_travel_insurance_travel_insurance) - - Rewards & Benefits - #### Rewards - [Membership Rewards Program](https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/?inav=en_au_menu_rewards_benefits_rewards_membership_rewards_program) - [Qantas Frequent Flyer](https://www.americanexpress.com/en-au/credit-cards/card-types/frequent-flyer-cards/qantas-cards/?inav=en_au_menu_rewards_benefits_rewards_qantas_frequent_flyer) - [Velocity Frequent Flyer](https://www.americanexpress.com/en-au/credit-cards/card-types/frequent-flyer-cards/velocity-cards/?inav=en_au_menu_rewards_benefits_rewards_velocity_frequent_flyer) - [Refer a Friend](https://www.americanexpress.com/en-au/referral/?inav=en_au_menu_rewards_benefits_rewards_refer_a_friend) - #### Benefits and Offers - [Explore Cards and Benefits](https://www.americanexpress.com/au/credit-cards/membership-benefits/?inav=en_au_menu_rewards_benefits_benefits_and_offers_explore_cards_and_benefits) - [Amex Offers](https://www.americanexpress.com/en-au/credit-cards/membership-benefits/why-amex/offers/?inav=en_au_menu_rewards_benefits_benefits_and_offers_amex_offers) - [Payment Flexibility](https://www.americanexpress.com/en-au/credit-cards/membership-benefits/why-amex/payment-flexibility/?intlink=em-AU-ICS-TopNav&inav=en_au_menu_rewards_benefits_benefits_and_offers_payment_flexibility) - [Entertainment and Events](https://www.americanexpress.com/en-au/benefits/entertainment/events/?inav=en_au_menu_rewards_benefits_benefits_and_offers_entertainment_and_events) - [Why Amex](https://www.americanexpress.com/en-au/credit-cards/membership-benefits/why-amex/?inav=en_au_menu_rewards_benefits_benefits_and_offers_why_amex) - [Life With Amex](https://www.americanexpress.com/en-au/articles/life-with-amex/?inav=en_au_menu_rewards_benefits_benefits_and_offers_life_with_amex) - #### Manage Membership - [Dashboard](https://global.americanexpress.com/rewards/?inav=en_au_menu_rewards_benefits_manage_membership_dashboard) - [Shop with Points](https://global.americanexpress.com/rewards/pay-with-points?inav=en_au_menu_rewards_benefits_manage_membership_shop_with_points) - [Cover Charges with Points](https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/cover-charges-with-points/?inav=en_au_menu_rewards_benefits_manage_membership_cover_charges_with_points) - [Travel with Points](https://www.americanexpress.com/au/travel/how-to-pay-with-points/?inav=en_au_menu_rewards_benefits_manage_membership_travel_with_points) - [Redeem Points for Gift Cards](https://global.americanexpress.com/rewards/gift-cards?inav=en_au_menu_rewards_benefits_manage_membership_redeem_points_for_gift_cards) - [Transfer Points to Airlines and Hotels](https://global.americanexpress.com/rewards/transfer?inav=en_au_menu_rewards_benefits_manage_membership_transfer_points_to_airlines_and_hotels) - #### Support - [View all Membership Rewards FAQs](https://www.americanexpress.com/au/customer-service/membership-rewards/?inav=en_au_menu_rewards_benefits_support_view_all_membership_rewards_faqs) - [View all Benefits & Offers FAQs](https://www.americanexpress.com/au/customer-service/features-and-benefits/?inav=en_au_menu_rewards_benefits_support_view_all_benefits_offers_faqs) - [Security](https://www.americanexpress.com/en-au/credit-cards/membership-benefits/why-amex/service-security/?inav=en_au_menu_rewards_benefits_support_security) - - Business - #### Business Cards - [Business Home](https://www.americanexpress.com/au/business/?inav=en_au_menu_business_business_cards_business_home) - [View all Business Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/business/?inav=en_au_menu_business_business_cards_view_all_business_cards) - [Business Insights](https://www.americanexpress.com/en-au/articles/life-with-amex/business-insights/?inav=en_au_menu_business_business_cards_business_insights) - #### Corporations - [View all Corporate Cards](https://www.americanexpress.com/en-au/business/corporate-credit-cards/?inav=en_au_menu_business_corporations_view_all_corporate_cards) - [Corporate Payment Solutions](https://www.americanexpress.com/au/business/payment-solutions/?inav=en_au_menu_business_corporations_corporate_payment_solutions) - #### Merchants - [Merchant Home](https://www.americanexpress.com/au/merchant/index.html?inav=en_au_menu_business_merchants_merchant_home) - [Accept the Card](https://www.americanexpress.com/au/merchant/accept-amex-cards.html?inav=en_au_menu_business_merchants_accept_the_card) - [Manage Merchant Account](https://www.americanexpress.com/en-au/business/merchant/manage-account.html?inav=en_au_menu_business_merchants_manage_merchant_account) - #### Support - [Business and Corporate Customer Centre](https://www.americanexpress.com/au/business/customer-centre/?inav=en_au_menu_business_support_business_and_corporate_customer_centre) - [View all Merchant FAQs](https://www.americanexpress.com/en-au/business/merchant/help-support.html?inav=en_au_menu_business_support_view_all_merchant_faqs) ![](https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.32.1/package/dist/img/flags/dls-flag-au.svg)Australia [Change Country](https://www.americanexpress.com/en-us/change-country/?inav=en_au_menu_changeCountry) 1. [Home](https://www.americanexpress.com/en-au/) 2. [Cardmember Benefits](https://www.americanexpress.com/au/credit-cards/membership-benefits/) 3. Membership Rewards Program ![Membership Rewards](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7) - [Dashboard](https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/#1) - [Redeem](https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/#redeem) - [Earn](https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/#earn) - [FAQ](https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/#faqs) - [T\&Cs](https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/#T&Cs) We’re proud to be recognised with multiple industry awards ![finder top](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7) ![finder provider](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7) ![finder most](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7) ![finder top](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7) ![canstar](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7) # Membership Rewards® Program ## Rewards that actually reward ![A group of people laughing on a beach](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7) Already know how you want to use Membership Rewards ® points? Log in to redeem now. [View Dashboard (opens new window)](https://www.americanexpress.com/en-au/account/login?DestPage=https%3A%2F%2Fglobal.americanexpress.com%2Frewards) ## Important Updates IMPORTANT: Online transfers of Membership Rewards points to Cathay is temporarily unavailable. We apologise for any inconvenience this may cause. The Membership Rewards program offers a breadth of rewards so you can propel your journey – wherever it takes you. Earn Membership Rewards points on most everyday purchases, then use points for gift cards, travel rewards, or even to cover recent Card charges. T\&Cs apply. ## EXPLORE FEATURED REDEMPTIONS [![Myer](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)](https://www.myer.com.au/) #### Use points to shop online at Myer You can now use your Membership Rewards® points to shop online at Myer. Pay for your purchase at checkout with points or a combination of Points & Pay1. Minimum redemption amounts and T\&Cs apply. [![Pay with Points](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)](https://global.americanexpress.com/rewards/pay-with-points) #### Shop online and Pay with Points Use your points to pay for your purchases2 at a wide range of online stores. From travel, to tech, to fashion and department stores, you’ll be spoilt for choice. Minimum redemption amounts and T\&Cs apply. ### Multi Card Carousel ## - - ![](https://www.americanexpress.com/content/dam/amex/en-au/benefits/rewards/membership-rewards/AME12003_RedemptionTiles_MYER_ImageLogo.png) * ### Use points to shop online at Myer You can now use your Membership Rewards® points to shop online at Myer. Pay for your purchase at checkout with points or a combination of Points & Pay1. Minimum redemption amounts and T\&Cs apply. - ![](https://www.americanexpress.com/content/dam/amex/en-au/benefits/rewards/membership-rewards/AME12003_RedemptionTiles_Pay_with_Points_Image.png) * ### Shop online and Pay with Points Use your points to pay for your purchases2 at a wide range of online stores. From travel, to tech, to fashion and department stores, you’ll be spoilt for choice. Minimum redemption amounts and T\&Cs apply. - ![](https://www.americanexpress.com/content/dam/amex/en-au/benefits/rewards/membership-rewards/AME12459_EverydayRewardsTile-400x218px_FA.jpg) * ### Turn your Membership Rewards® into Everyday Rewards Get \$10 off your Woolworths shop for every 2,500 Membership Rewards points you transfer. Minimum redemption and T\&Cs apply. - - ![](https://www.americanexpress.com/content/dam/amex/en-au/benefits/rewards/membership-rewards/AME12003_MAR-GiftCards_400x418_FA.jpg) * ### Give the gift of Gift Cards Redeem your points for your choice of Gift Cards from your favourite brands.4 - ![](https://www.americanexpress.com/content/dam/amex/en-au/benefits/rewards/membership-rewards/AME12003_MAR-CCWPoints_400x418_FA.jpg) * ### Cover Card purchases using your points Take advantage of Cover Charges with Points by using points to pay off your Card transactions.3 ## Why you’ll love Membership Rewards points Unlimited Earning With no caps, you can earn points on eligible spend No Expiry Continue to earn and grow your points every year Flexible Redeem for almost anything on points ## How to Redeem Membership Rewards Points ### Use Points to Travel Use Points to Transfer to Partners Use Points to book with Amex Travel Online Transfer your Membership Rewards points to a wide range of Airline Rewards and Frequent Guest Partner Programs5. [More Transfer Partners (opens new window)](https://www.americanexpress.com/en-au/rewards/membership-rewards/travel/all?currenttravelproducttype=All&intlink=AU-MR-au_frequent_traveller_partners) ![A group of people sitting on a rug with a suitcase](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7) Use your Membership Rewards points to pay for your next flight, prepaid hotel or car rental when you book with [Amex Travel Online6](https://www.americanexpress.com/en-au/travel/ "Amex Travel Online"). [Book Now (opens new window)](https://www.americanexpress.com/en-au/travel/) ![An airplane flying in the sky](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7) ### Use Points for Purchases Cover Charges with Points Use Points for Credit Membership Rewards gives you the freedom to use your points to cover almost anything you've purchased on your Card3. Log in to your Account to use points to pay for eligible transactions. [Log in (opens new window)](https://www.americanexpress.com/en-au/account/login?DestPage=https%3A%2F%2Fglobal.americanexpress.com%2Fmyca%2Fintl%2Facctsumm%2Fjapa%2FaccountSummary.do%3Frequest_type%3D%26Face%3Den_AU%26inav%3Dau_menu_myacct_acctsum%26omnlogin%3Dau_lilo_myca) ![A person and person looking at a tablet](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7) Redeem your points for a credit to your Card, then use this additional credit to buy whatever you like. Amounts credited will appear on the first billing statement following redemption7. [Redeem Now (opens new window)](https://www.americanexpress.com/en-au/rewards/membership-rewards/award/American-Express/Credit-on-your-Card/8726-1000A) ![A man smiling at a computer](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7) ### Use Points for Gift Cards Redeem your Membership Rewards points for Gift Cards from leading brands and retailers across fashion, dining, live entertainment and movies, wellness, health services and more4. [View Brands (opens new window)](https://global.americanexpress.com/rewards/gift-cards?intlink=us-en-mr-education-cta-gift-cards) ![A group of women holding shopping bags](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7) ### Use Points to Pay Use your Membership Rewards points to make purchases online and shop at your favourite brands2. [Shop with Point Partners (opens new window)](https://global.americanexpress.com/rewards/pay-with-points) ![points for shop](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7) ## How to Earn Points Explore the different ways to earn Membership Rewards points Use your Card for everyday purchases like petrol, grocery shopping and eating out Add Additional Cards for your family and friends to earn points on their spend. T\&Cs apply7 Refer a Friend and you could both earn Bonus Points Check Amex Offers for Bonus Points offers ## Ready to Start Earning Points Explore our lineup of American Express Membership Rewards Cards ![A stack of American Express cards. enlarged for display](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7) Expect rewards after you apply and are approved for an eligible American Express® Card. You can earn Membership Rewards points for just spending on certain categories, depending on your Card. Terms and Conditions apply. [Find Your Card (opens new window)](https://www.americanexpress.com/en-au/credit-cards/all-cards/rewards "Find Your Card") ## Membership Rewards FAQs ### What is Membership Rewards? Membership Rewards is the loyalty program of American Express. For every eligible dollar spent on an eligible American Express Card, Membership Rewards points are earned and credited to your Card Account. Points can then be redeemed for travel rewards, shopping rewards and entertainment rewards and more. There’s no limit to how many Membership Rewards points you can earn. And as long as you’re an active Card Member and your account is in good standing, points will never expire. Subject to the Terms and Conditions of the Membership Rewards program. ### How do I redeem my points? Redeem your points by logging in to your Membership Rewards Dashboard where you can browse the different redemption options available. Once logged in, follow the prompts on screen to use your points on the redemption option you choose. Your Membership Rewards points can be redeemed for eligible flights, accommodation, gift cards, shopping and more. Subject to the Terms and Conditions of the Membership Rewards program. ### What can I redeem my points for? You can redeem your points for a range of rewards as listed on this page: gift cards, transfer points to airline and hotel partners, shop with points at select retailers or cover your card charges to pay off your statement. Membership Rewards redemptions span across travel, retail, entertainment and dining categories. Subject to the Terms and Conditions of the Membership Rewards program. ### How do I enrol in Membership Rewards? Choose a Card that earns Membership Rewards points [here](https://www.americanexpress.com/au/credit-cards/all-cards/?inav=au_menu_cards_pc_view_all "here"). Depending on your Card, you may be instantly enrolled in Membership Rewards. If your Card is not automatically enrolled in Membership Rewards, you can do so by calling the number at the back of your Card. For Corporate Card holders, you may enrol in Membership Rewards if your Company has chosen to participate in the program. Speak to your Program Administrator for more information . ### How do I earn points? You can earn Membership Rewards points for virtually every dollar you spend on your Card. Use your Card for everyday purchases and watch your points add up. With every spend, you earn points and the number of points you can earn is limitless. As long as your Card is in good standing, your points will never expire. Subject to the Terms and Conditions of the Membership Rewards program. ### How do I earn points quickly? To quickly earn Membership Rewards points, follow the below tips: 1. Earn points from everyday purchases. From a coffee to a larger grocery shop, they all add up. 2. Add Additional Cards to your account so that their spend accumulates points for your Account 3. Refer a friend to get Bonus Points 4. Check Amex offers for Bonus Points offers. Subject to the Terms and Conditions of the Membership Rewards program. ### How do I check my points Balance? You can check your points balance by logging in to your Membership Rewards [Dashboard](https://www.americanexpress.com/en-au/account/login?DestPage=https%3A%2F%2Fglobal.americanexpress.com%2Fmyca%2Fintl%2Frewards%2Fjapa%2Faction%3Frequest_type%3Dauthreg_MrMultipleAccounts%26Face%3Den_AU%26DestPage%3Dhttps%3A%2F%2Fwww.americanexpress.com%2Fen-au%2Frewards%2Fmembership-rewards%2F "Dashboard"). There you will be able to see your points balance, your history of points redeemed as well as view the redemption options available. ### What is the Membership Rewards Ascent Program? The Membership Rewards Ascent program is available on a range of Personal and business Cards: Platinum Edge Credit Card and the Gold Business Card. It offers a range of redemption options. If you are enrolled in the Ascent program, log in to the Membership Rewards [Dashboard](https://www.americanexpress.com/en-au/account/login?DestPage=https%3A%2F%2Fglobal.americanexpress.com%2Fmyca%2Fintl%2Frewards%2Fjapa%2Faction%3Frequest_type%3Dauthreg_MrMultipleAccounts%26Face%3Den_AU%26DestPage%3Dhttps%3A%2F%2Fwww.americanexpress.com%2Fen-au%2Frewards%2Fmembership-rewards%2F "Dashboard") to see the redemptions available to you. Still have more questions?** Visit [Membership Rewards FAQs](https://www.americanexpress.com/au/customer-service/membership-rewards/ "Membership Rewards FAQs") ## Membership Rewards Terms and Conditions View full Terms and Conditions: Membership Rewards Terms and Conditions - Consumer: - [Terms and Conditions effective from 15 December 2025 (inclusive)](https://www.americanexpress.com/content/dam/amex/en-au/company/terms-and-conditions/AME12313_MRTCsDoc-Consumer_FA.pdf " ") Membership Rewards Terms and Conditions – Business and Corporate: - [Terms and Conditions effective from 15 December 2025 (inclusive)](https://www.americanexpress.com/content/dam/amex/en-au/company/terms-and-conditions/AME12313_MRTCsDoc-SBSCorp_FA.pdf " ") [Qantas Direct Cards](https://www.americanexpress.com/en-au/rewards/membership-rewards/getwebimage.mtw?webimagename=MRT_Qantas%20Direct%20Updated_TCs_141118.pdf " ") 1\. You may use Points to make purchases at Myer. You need to indicate at the time of purchase that you wish to Pay with Points. Individual retailers provide specific delivery and refund polices. Refund policies for Pay with Points retail Partners are subject to the Terms and Conditions of the retail Partner. The retailers’ conditions and refund policies may be amended by the retailers from time to time. 2. You may use Points to make purchases at certain retailers listed on our website. You need to indicate at the time of purchase that you wish to Pay with Points. Individual retailers provide specific delivery and refund polices. Refund policies for Pay with Points retail Partners are subject to the Terms and Conditions of the retail Partner. The retailers’ conditions and refund policies may be amended by the retailers from time to time. 3. Cover Charges with Points. For each successful transaction using Cover Charges with Points, points will be debited from your Membership Rewards account and a credit placed on your Card in line with the points chosen to be used for the Eligible Charge. A minimum of 1,000 Membership Rewards points is required to cover any eligible transaction with points. Any credit to your Card account cannot exceed the amount of the relevant Eligible Charges. A credit will appear on your statement identified as “Membership Rewards Credit”. Points will be debited immediately and the credit will take up to 3 business days to appear online. Credits processed after the Card account’s statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card account by the due date. Any charges covered by points is not redeemable for cash via Credit balance refund. American Express will select and display each eligible charge that can be covered with points (“Eligible Charge”) and the points rate required to cover the Eligible Charge. Each Eligible Charge must: (a) appear within the Online Statement of the Summary of Accounts page; (b) be redeemed within 2 months of the charge appearing on your Card account; (c) not currently or have previously been disputed; and (d) not be a fee. Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any time without notice. Eligible transactions can be covered by points via your online account or American Express mobile app. Covering charges with points is available only to Basic Cardmembers enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing. 4. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of minimum 3 years 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. 5. To redeem points to any Frequent Traveller Program you must be a member of the applicable Program. Enrolment in such Programs is solely your responsibility and fees may apply. The minimum requirement and transfer rate varies. Subject to the Membership Rewards Terms and Conditions. 6. American Express Travel Online: To earn or 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. 7. Points for Credit: The redemption of Points for a credit to your Card (Points for Credit) will be administered by us within three business days and cannot be reversed. Amounts credited will appear on the first monthly statement following redemption. If you hold multiple Cards linked to the one Membership Rewards Account, the Points for Credit redemption will automatically be credited to the Primary Account only. Points may be redeemed by the Card Member for a credit on the Primary Card Account. 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. . ## American Express Card - [View all Personal Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/personal/?inav=en_au_footer_american_express_card_view_all_personal_cards "View all Personal Cards") - [About Personal Cards](https://www.americanexpress.com/au/credit-cards/?inav=en_au_footer_american_express_card_about_personal_cards "About Personal Cards") - [View all Business Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/business/?inav=en_au_footer_american_express_card_view_all_business_cards "View all Business Cards") - [View all Corporate Cards](https://www.americanexpress.com/en-au/business/corporate-credit-cards/?inav=en_au_footer_american_express_card_view_all_corporate_cards "View all Corporate Cards") - [Add Someone to Your Account](https://www.americanexpress.com/au/credit-cards/manage-your-card/additional-card/?inav=en_au_footer_american_express_card_add_someone_to_your_account "Add Someone to Your Account") - [Refer a Friend](https://www.americanexpress.com/en-au/referral/?CPID=100316804&inav=en_au_footer_american_express_card_refer_a_friend "Refer a Friend") ## More Products & Services - [Insurance](https://www.americanexpress.com/au/insurance/?inav=en_au_footer_more_products_services_insurance "Insurance") - [Accept the Card](https://www.americanexpress.com/au/merchant/accept-amex-cards.html?inav=en_au_footer_more_products_services_accept_the_card "Accept the Card") - [Register for Online Services](https://oce.americanexpress.com/myca/ocareg/japa/action?request_type=un_Register&inav=en_au_footer_my_account_business_owners_register_for_online_services&Face=en_AU#/splash "Register for Online Services") - [ATM Locator](https://network.americanexpress.com/en/atm_locator/?ref=prop&inav=en_au_footer_more_products_services_atm_locator "ATM Locator") - [Global Network](https://network.americanexpress.com/globalnetwork/v4?inav=en_au_footer_more_products_services_global_network "Global Network") - [Download the App](https://www.americanexpress.com/en-au/credit-cards/manage-your-card/mobile-app/?inav=en_au_footer_more_products_services_download_the_app "Download the App") ## Important Links - [Frequently Asked Questions](https://www.americanexpress.com/au/customer-service/?inav=en_au_footer_important_links_frequently_asked_questions "Frequently Asked Questions") - [Moving Abroad?](https://www.americanexpress.com/us/customer-service/global-card-relationship/?inav=en_au_footer_important_links_moving_abroad "Moving Abroad?") - [Ways to Pay](https://www.americanexpress.com/au/credit-cards/manage-your-card/ways-to-pay/?inav=en_au_footer_important_links_ways_to_pay "Ways to Pay") ## Company Information - [About American Express](https://www.americanexpress.com/au/about-us/?inav=en_au_footer_company_information_about_american_express "About American Express") - [Careers](https://www.americanexpress.com/en-us/careers/?inav=en_au_footer_company_information_careers "Careers") - [Contact Us](https://www.americanexpress.com/australia/customerservice/contactus.shtml?inav=en_au_footer_company_information_contact_us "Contact Us") - [Site Map](https://www.americanexpress.com/au/sitemap/personal.html?inav=en_au_footer_company_information_site_map "Site Map") - American Express Card - [View all Personal Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/personal/?inav=en_au_footer_american_express_card_view_all_personal_cards "View all Personal Cards") - [About Personal Cards](https://www.americanexpress.com/au/credit-cards/?inav=en_au_footer_american_express_card_about_personal_cards "About Personal Cards") - [View all Business Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/business/?inav=en_au_footer_american_express_card_view_all_business_cards "View all Business Cards") - [View all Corporate Cards](https://www.americanexpress.com/en-au/business/corporate-credit-cards/?inav=en_au_footer_american_express_card_view_all_corporate_cards "View all Corporate Cards") - [Add Someone to Your Account](https://www.americanexpress.com/au/credit-cards/manage-your-card/additional-card/?inav=en_au_footer_american_express_card_add_someone_to_your_account "Add Someone to Your Account") - [Refer a Friend](https://www.americanexpress.com/en-au/referral/?CPID=100316804&inav=en_au_footer_american_express_card_refer_a_friend "Refer a Friend") - More Products & Services - [Insurance](https://www.americanexpress.com/au/insurance/?inav=en_au_footer_more_products_services_insurance "Insurance") - [Accept the Card](https://www.americanexpress.com/au/merchant/accept-amex-cards.html?inav=en_au_footer_more_products_services_accept_the_card "Accept the Card") - [Register for Online Services](https://oce.americanexpress.com/myca/ocareg/japa/action?request_type=un_Register&inav=en_au_footer_my_account_business_owners_register_for_online_services&Face=en_AU#/splash "Register for Online Services") - [ATM Locator](https://network.americanexpress.com/en/atm_locator/?ref=prop&inav=en_au_footer_more_products_services_atm_locator "ATM Locator") - [Global Network](https://network.americanexpress.com/globalnetwork/v4?inav=en_au_footer_more_products_services_global_network "Global Network") - [Download the App](https://www.americanexpress.com/en-au/credit-cards/manage-your-card/mobile-app/?inav=en_au_footer_more_products_services_download_the_app "Download the App") - Important Links - [Frequently Asked Questions](https://www.americanexpress.com/au/customer-service/?inav=en_au_footer_important_links_frequently_asked_questions "Frequently Asked Questions") - [Moving Abroad?](https://www.americanexpress.com/us/customer-service/global-card-relationship/?inav=en_au_footer_important_links_moving_abroad "Moving Abroad?") - [Ways to Pay](https://www.americanexpress.com/au/credit-cards/manage-your-card/ways-to-pay/?inav=en_au_footer_important_links_ways_to_pay "Ways to Pay") - Company Information - [About American Express](https://www.americanexpress.com/au/about-us/?inav=en_au_footer_company_information_about_american_express "About American Express") - [Careers](https://www.americanexpress.com/en-us/careers/?inav=en_au_footer_company_information_careers "Careers") - [Contact Us](https://www.americanexpress.com/australia/customerservice/contactus.shtml?inav=en_au_footer_company_information_contact_us "Contact Us") - [Site Map](https://www.americanexpress.com/au/sitemap/personal.html?inav=en_au_footer_company_information_site_map "Site Map") *** ![American Express](https://www.aexp-static.com/cdaas/one/statics/axp-static-assets/1.7.1/package/dist/img/logos/dls-logo-line.svg) ![Australia](https://www.aexp-static.com/cdaas/one/statics/@americanexpress/static-assets/2.32.1/package/dist/img/flags/dls-flag-au.svg)Australia [Change Country](https://www.americanexpress.com/en-us/change-country/) - [![Connect with Amex on 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Readable Markdown	1. [Home](https://www.americanexpress.com/en-au/) 2. [Cardmember Benefits](https://www.americanexpress.com/au/credit-cards/membership-benefits/) 3. Membership Rewards Program ![Membership Rewards](https://www.americanexpress.com/content/dam/amex/en-au/benefits/rewards/membership-rewards/MR_singleline_new.jpg) We’re proud to be recognised with multiple industry awards ![finder top](https://www.americanexpress.com/content/dam/amex/en-au/benefits/rewards/membership-rewards/Finder_Provider_of_the_Year_Digital_001000_Finder_Awards.png) ![finder provider](https://www.americanexpress.com/content/dam/amex/en-au/benefits/rewards/membership-rewards/Finder-Provider_of_the_Year-Rewards_Credit_Cards_Finder_Awards.png) ![finder most](https://www.americanexpress.com/content/dam/amex/en-au/benefits/rewards/membership-rewards/Finder_Most_Recommended_Digital_008000_Finder_Awards.png) ![finder top](https://www.americanexpress.com/content/dam/amex/en-au/benefits/rewards/membership-rewards/Finder_Top_Value_Digital_005000_Finder_Awards.png) ![canstar](https://www.americanexpress.com/content/dam/amex/en-au/benefits/rewards/membership-rewards/CANSTAR_2022-2024.png) ## Rewards that actually reward ![A group of people laughing on a beach](https://www.americanexpress.com/content/dam/amex/en-au/benefits/rewards/membership-rewards/Hero-Image.jpg) Already know how you want to use Membership Rewards ® points? Log in to redeem now. The Membership Rewards program offers a breadth of rewards so you can propel your journey – wherever it takes you. Earn Membership Rewards points on most everyday purchases, then use points for gift cards, travel rewards, or even to cover recent Card charges. T\&Cs apply. EXPLORE FEATURED REDEMPTIONS ### Multi Card Carousel - - * ### Use points to shop online at Myer You can now use your Membership Rewards® points to shop online at Myer. Pay for your purchase at checkout with points or a combination of Points & Pay1. Minimum redemption amounts and T\&Cs apply. - * ### Shop online and Pay with Points Use your points to pay for your purchases2 at a wide range of online stores. From travel, to tech, to fashion and department stores, you’ll be spoilt for choice. Minimum redemption amounts and T\&Cs apply. - * ### Turn your Membership Rewards® into Everyday Rewards Get \$10 off your Woolworths shop for every 2,500 Membership Rewards points you transfer. Minimum redemption and T\&Cs apply. - - * ### Give the gift of Gift Cards Redeem your points for your choice of Gift Cards from your favourite brands.4 - * ### Cover Card purchases using your points Take advantage of Cover Charges with Points by using points to pay off your Card transactions.3 Why you’ll love Membership Rewards points Unlimited Earning With no caps, you can earn points on eligible spend No Expiry Continue to earn and grow your points every year Flexible** Redeem for almost anything on points How to Redeem Membership Rewards Points Use Points to Travel Transfer your Membership Rewards points to a wide range of Airline Rewards and Frequent Guest Partner Programs5. ![A group of people sitting on a rug with a suitcase](https://www.americanexpress.com/content/dam/amex/en-au/benefits/rewards/membership-rewards/Points-For-Travel-2.jpg) Use Points for Purchases Membership Rewards gives you the freedom to use your points to cover almost anything you've purchased on your Card3. Log in to your Account to use points to pay for eligible transactions. ![A person and person looking at a tablet](https://www.americanexpress.com/content/dam/amex/en-au/benefits/rewards/membership-rewards/cover_charges_with_points_365x356.jpg) Use Points for Gift Cards Redeem your Membership Rewards points for Gift Cards from leading brands and retailers across fashion, dining, live entertainment and movies, wellness, health services and more4. ![A group of women holding shopping bags](https://www.americanexpress.com/content/dam/amex/en-au/benefits/rewards/membership-rewards/use_points_for_gift_cards_365x356.jpg) Use Points to Pay Use your Membership Rewards points to make purchases online and shop at your favourite brands2. ![points for shop](https://www.americanexpress.com/content/dam/amex/en-au/benefits/rewards/membership-rewards/Points-for-Shopping.jpg) ## How to Earn Points Explore the different ways to earn Membership Rewards points Use your Card for everyday purchases like petrol, grocery shopping and eating out Add Additional Cards for your family and friends to earn points on their spend. T\&Cs apply7 Refer a Friend and you could both earn Bonus Points Check Amex Offers for Bonus Points offers ## Ready to Start Earning Points Explore our lineup of American Express Membership Rewards Cards ![A stack of American Express cards. enlarged for display](https://www.americanexpress.com/content/dam/amex/en-au/benefits/rewards/membership-rewards/cardshop.jpg) Expect rewards after you apply and are approved for an eligible American Express® Card. You can earn Membership Rewards points for just spending on certain categories, depending on your Card. Terms and Conditions apply. Membership Rewards FAQs ### Membership Rewards is the loyalty program of American Express. For every eligible dollar spent on an eligible American Express Card, Membership Rewards points are earned and credited to your Card Account. Points can then be redeemed for travel rewards, shopping rewards and entertainment rewards and more. There’s no limit to how many Membership Rewards points you can earn. And as long as you’re an active Card Member and your account is in good standing, points will never expire. Subject to the Terms and Conditions of the Membership Rewards program. ### Redeem your points by logging in to your Membership Rewards Dashboard where you can browse the different redemption options available. Once logged in, follow the prompts on screen to use your points on the redemption option you choose. Your Membership Rewards points can be redeemed for eligible flights, accommodation, gift cards, shopping and more. Subject to the Terms and Conditions of the Membership Rewards program. ### You can redeem your points for a range of rewards as listed on this page: gift cards, transfer points to airline and hotel partners, shop with points at select retailers or cover your card charges to pay off your statement. Membership Rewards redemptions span across travel, retail, entertainment and dining categories. Subject to the Terms and Conditions of the Membership Rewards program. ### Choose a Card that earns Membership Rewards points [here](https://www.americanexpress.com/au/credit-cards/all-cards/?inav=au_menu_cards_pc_view_all "here"). Depending on your Card, you may be instantly enrolled in Membership Rewards. If your Card is not automatically enrolled in Membership Rewards, you can do so by calling the number at the back of your Card. For Corporate Card holders, you may enrol in Membership Rewards if your Company has chosen to participate in the program. Speak to your Program Administrator for more information . ### You can earn Membership Rewards points for virtually every dollar you spend on your Card. Use your Card for everyday purchases and watch your points add up. With every spend, you earn points and the number of points you can earn is limitless. As long as your Card is in good standing, your points will never expire. Subject to the Terms and Conditions of the Membership Rewards program. ### To quickly earn Membership Rewards points, follow the below tips: 1. Earn points from everyday purchases. From a coffee to a larger grocery shop, they all add up. 2. Add Additional Cards to your account so that their spend accumulates points for your Account 3. Refer a friend to get Bonus Points 4. Check Amex offers for Bonus Points offers. Subject to the Terms and Conditions of the Membership Rewards program. ### You can check your points balance by logging in to your Membership Rewards [Dashboard](https://www.americanexpress.com/en-au/account/login?DestPage=https%3A%2F%2Fglobal.americanexpress.com%2Fmyca%2Fintl%2Frewards%2Fjapa%2Faction%3Frequest_type%3Dauthreg_MrMultipleAccounts%26Face%3Den_AU%26DestPage%3Dhttps%3A%2F%2Fwww.americanexpress.com%2Fen-au%2Frewards%2Fmembership-rewards%2F "Dashboard"). There you will be able to see your points balance, your history of points redeemed as well as view the redemption options available. ### The Membership Rewards Ascent program is available on a range of Personal and business Cards: Platinum Edge Credit Card and the Gold Business Card. It offers a range of redemption options. If you are enrolled in the Ascent program, log in to the Membership Rewards [Dashboard](https://www.americanexpress.com/en-au/account/login?DestPage=https%3A%2F%2Fglobal.americanexpress.com%2Fmyca%2Fintl%2Frewards%2Fjapa%2Faction%3Frequest_type%3Dauthreg_MrMultipleAccounts%26Face%3Den_AU%26DestPage%3Dhttps%3A%2F%2Fwww.americanexpress.com%2Fen-au%2Frewards%2Fmembership-rewards%2F "Dashboard") to see the redemptions available to you. ## Membership Rewards Terms and Conditions View full Terms and Conditions: Membership Rewards Terms and Conditions - Consumer: - [Terms and Conditions effective from 15 December 2025 (inclusive)](https://www.americanexpress.com/content/dam/amex/en-au/company/terms-and-conditions/AME12313_MRTCsDoc-Consumer_FA.pdf " ") Membership Rewards Terms and Conditions – Business and Corporate: - [Terms and Conditions effective from 15 December 2025 (inclusive)](https://www.americanexpress.com/content/dam/amex/en-au/company/terms-and-conditions/AME12313_MRTCsDoc-SBSCorp_FA.pdf " ") [Qantas Direct Cards](https://www.americanexpress.com/en-au/rewards/membership-rewards/getwebimage.mtw?webimagename=MRT_Qantas%20Direct%20Updated_TCs_141118.pdf " ") 1\. You may use Points to make purchases at Myer. You need to indicate at the time of purchase that you wish to Pay with Points. Individual retailers provide specific delivery and refund polices. Refund policies for Pay with Points retail Partners are subject to the Terms and Conditions of the retail Partner. The retailers’ conditions and refund policies may be amended by the retailers from time to time. 2\. You may use Points to make purchases at certain retailers listed on our website. You need to indicate at the time of purchase that you wish to Pay with Points. Individual retailers provide specific delivery and refund polices. Refund policies for Pay with Points retail Partners are subject to the Terms and Conditions of the retail Partner. The retailers’ conditions and refund policies may be amended by the retailers from time to time. 3\. Cover Charges with Points. For each successful transaction using Cover Charges with Points, points will be debited from your Membership Rewards account and a credit placed on your Card in line with the points chosen to be used for the Eligible Charge. A minimum of 1,000 Membership Rewards points is required to cover any eligible transaction with points. Any credit to your Card account cannot exceed the amount of the relevant Eligible Charges. A credit will appear on your statement identified as “Membership Rewards Credit”. Points will be debited immediately and the credit will take up to 3 business days to appear online. Credits processed after the Card account’s statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card account by the due date. Any charges covered by points is not redeemable for cash via Credit balance refund. American Express will select and display each eligible charge that can be covered with points (“Eligible Charge”) and the points rate required to cover the Eligible Charge. Each Eligible Charge must: (a) appear within the Online Statement of the Summary of Accounts page; (b) be redeemed within 2 months of the charge appearing on your Card account; (c) not currently or have previously been disputed; and (d) not be a fee. Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any time without notice. Eligible transactions can be covered by points via your online account or American Express mobile app. Covering charges with points is available only to Basic Cardmembers enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing. 4\. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of minimum 3 years 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. 5\. To redeem points to any Frequent Traveller Program you must be a member of the applicable Program. Enrolment in such Programs is solely your responsibility and fees may apply. The minimum requirement and transfer rate varies. Subject to the Membership Rewards Terms and Conditions. 6\. American Express Travel Online: To earn or 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. 7\. Points for Credit: The redemption of Points for a credit to your Card (Points for Credit) will be administered by us within three business days and cannot be reversed. Amounts credited will appear on the first monthly statement following redemption. If you hold multiple Cards linked to the one Membership Rewards Account, the Points for Credit redemption will automatically be credited to the Primary Account only. Points may be redeemed by the Card Member for a credit on the Primary Card Account. 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. .
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