Customer notice: this article provides general information only and does not consider personal circumstances. We may receive a commission if you apply for a card via our Amex partner link (read more in our Cards Disclosure). Thank you for your vital support!

The Amex Explorer Credit Card is designed to appeal to savvy travellers who want flexibility with using points while also enjoying a range of travel and lifestyle benefits.

Points earned with this card can be transferred to over 10 airline frequent flyer programs¹, opening up more redemption opportunities.

Other perks include a strong points earn rate on spend², an annual $400 Travel Credit³ that offsets the card fee, complimentary travel and smartphone screen insurances⁴, and more.

For a limited time, new Card Members can also receive 75,000 Bonus Membership Rewards Points when you apply online via our Amex partner link by 1 July 2025, are approved and spend $4,000 on eligible purchases on your new card within the first 3 months (T&Cs apply; New Amex Card Members only).⁵

Here’s an overview of the benefits you can enjoy.

1. Receive a strong points earn rate on spend

The card rewards program, Membership Rewards, is very popular among points experts thanks to the flexibility it provides.

Card Members earn a very strong 2 Membership Rewards points per $1 spent on purchases, except with government bodies where you earn 1 point per $1 spent.

Points earning is uncapped.

Hundreds of thousands of merchants accept Amex in Australia, and that number is growing, so there’s no shortage of places where you can earn points with this card.

2. Use your points for a range of rewards

Membership Rewards points are easy to use on a variety of rewards, our favourite being to transfer them to an airline or hotel partner.

You can also transfer Membership Rewards points to two hotel loyalty programs (Marriott Bonvoy and Hilton Honors) and over 10 airline frequent flyer programs (with all three global alliances represented). These airlines are:

• Virgin Australia’s Velocity Frequent Flyer
• Singapore Airlines KrisFlyer (can be used to book Star Alliance airlines)
• Cathay Pacific Asia Miles (can be used to book Qantas and oneworld flights)
• Qatar Airways Privilege Club (can be used to book Qantas and oneworld flights)
• British Airways Executive Club (can be used to book Qantas and oneworld flights)
• Virgin Atlantic Flying Club (can be used to book Skyteam airlines)
• Hawaiian Airlines HawaiianMiles
• Emirates Skywards
• Etihad Guest
• Malaysian Airlines Enrich
• Thai Airways Royal Orchid Plus
• Air New Zealand Airpoints.

If you like to use points for air travel, the big advantage of earning Membership Rewards points (over Qantas or Velocity Points) is that you’re not locked into any single airline frequent flyer program, rather you accumulate Membership Rewards points until you’re ready to transfer them to a partner airline.

Use your points to fly with top airlines like Singapore Airlines

Having so many airlines to choose from means it can be easier to find award seats when the time comes to book, especially if you want to fly in a sought-after business or first class cabin.

3. Enjoy a $400 Travel Credit each year

At the start of each card membership year, including when you first receive the card, you’ll get a $400 Travel Credit that you can redeem for flights, hotels or car hire in Australia or overseas.

It’s very easy to redeem the travel credit online at Amex Travel (which is essentially an online travel agency). Simply find the flight, hotel or car hire you want and then apply the $400 credit during the payment process.

You can use the travel credit to book something for yourself or anyone you choose.

Since you receive the travel credit every year, it effectively offsets the card’s $395 annual fee.

4. Get up to US$100 in hotel credits and room upgrades⁶

Amex’s Hotel Collection includes more than 600 hotels and resorts in over 30 countries worldwide, including from trusted brands like Hyatt and Hilton.

Every time you book two or more consecutive nights’ stay at one of these properties with your Explorer card, you’ll receive:

• a hotel credit of up to US$100 for qualifying charges – typically dining, spa, golf or other hotel facility-related charges (but not the room rate, taxes or fees)
• a complimentary room upgrade at check-in (subject to availability).

Enjoy benefits at stylish hotels

These complimentary extras can add a lot of value to your stays, and there’s no limit on how many times you can use this benefit.

5. Save money with a range of insurance covers

You’ll receive complimentary travel insurance cover for you, your partner and dependent children up to the age of 25 when you pay for a return trip with your card, the Travel Credit or Membership Rewards points. The cover is comprehensive and includes medical, trip cancellation and amendment, travel delay and baggage-related costs, as well as many other expenses.

You’ll also receive smartphone screen cover when you pay for your phone or monthly contract with your card, with $500 available for repairs up to 2 times every 12 months (with a 10% excess).

And for good measure, you’ll also get refund and purchase cover and extended warranties for eligible purchases made using your card.

6. Earn more points, save money and enjoy other lifestyle benefits

There are so many other perks to enjoy with this card, including:

• up to 4 free additional cards⁷ for family members or friends – an easy way to earn points faster
• two entries each year to Amex’s exclusive The Centurion Lounge⁸ at Sydney Airport international or Melbourne Airport international (children under the age of 17 get in for free)
• Hilton Honors Silver Status – earn 20% bonus points on stays and receive every 5th night free on Standard Room Reward stays of 5 nights or more
• up to 55 days interest-free on purchases⁹
• ‘buy now, pay later’ with American Express Plan It™ Instalments¹⁰: pay off your card balance in equal monthly instalments with 0% interest and a fixed monthly fee
• use your card with Apple Pay, Google Pay or Samsung Pay
• Amex Offers: save money with regular discount offers with top brands
• American Express Experiences: access sought-after events like music, theatre and film, including via pre-sale tickets, and enjoy exclusive lounges at selected events.

Plus 75,000 Bonus Membership Rewards Points

Receive 75,000 Bonus Membership Rewards Points when you apply online via our Amex partner link by 1 July 2025, are approved and spend $4,000 on eligible purchases on your new card within the first 3 months (new Amex Card Members only; T&Cs apply).

This offer is only available to new American Express Card Members. That means you must not have held a card issued directly by American Express Australia in the last 18 months. However, you are still eligible for this offer if you’re an Additional Card Member on someone else’s account.

Amex no longer specifies a minimum income to be eligible for this card.

To read more and apply on Amex’s website, click here (mobile friendly).

* Terms & Conditions – Click Here To View

Important: This article is not intended to suggest that you should apply for a card. You should seek independent, professional advice and consider your personal circumstances before deciding to apply for a card.

Cards are offered, issued, and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit Licence No. 291313.

American Express income and credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 24 January 2024 and are subject to change. Applicants must be 18 years of age or over to apply for the American Express Explorer Credit Card. They must be an Australian Citizen or permanent resident or hold a long term visa. Long term means 12 months or more and does not include a student visa.

1. Subject to the Terms and Conditions of the Membership Rewards Gateway program available at membershiprewards.com.au. You must be a member of the airline partner program, joining fees may apply and points transferred will be subject to the terms and conditions of the applicable airline partner program.
2. Subject to the Terms and Conditions of the Membership Rewards program available here. You will earn 1 point per dollar spent with Merchants classified as ‘government’, including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies, including where you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant.
3. If your Card has a Travel Credit benefit, the Primary Card Member is eligible for an annual Travel Credit, subject to the full Travel Credit Terms and Conditions at amex.com.au/explorer-travelcreditterms. The Travel Credit can be redeemed through American Express Travel Online on a single eligible travel booking by selecting the Travel Credit when you checkout. To redeem the Travel Credit, the full value of the Travel Credit (or more) must be charged to the eligible Primary Card. Eligible travel includes flights, hotels and car hire when you prepay in advance. The Travel Credit can be used for 365 days from the benefit anniversary date and cannot be used past the expiration date. To check the expiration date of your Travel Credit if you have not already redeemed it, please visit americanexpress.com.au/travel; log in and click ‘Travel Credit’. If your booking is cancelled, and your Travel Credit has already been used and associated statement credit applied to your account, you will forfeit your annual Travel Credit benefit and American Express may reverse the statement credits issued. You need to be able to spend on the Card to access the Travel Credit benefit and it should be credited to your Card Account within 3 business days but may take up to 30 days. Your account must be in good standing and you must have paid the annual fee and minimum payment by the due date. If you cancel your Card, change your rewards program or Card type, you will no longer be eligible for the Travel Credit.
4. The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Explorer Credit Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Explorer Credit Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
5. 75,000 Bonus Membership Rewards® Points are only available to new American Express Card Members who apply online by 1 July 2025, are approved and spend $4,000 or more on eligible purchases on your new Card in the first 3 months from the Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Please allow 8-10 weeks for the bonus points to be credited to your Account after the spend criteria has been met. If you previously held a David Jones American Express Card and have not held any other American Express Card(s) in the past 18 months, you will be eligible for the offer. All other Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer. The American Express Explorer® Credit Card has an annual Card fee of $395. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
6. Valid only for new The Hotel Collection bookings of at least two consecutive nights with participating providers made through American Express Travel Online (americanexpress.com.au/travel or americanexpress.com.au/thc), Platinum Travel Service or Centurion Travel Service. Online bookings currently only available to Primary Card Members. The following American Express Card Members are eligible to book through The Hotel Collection: American Express® Rewards Advantage Card, American Express® Explorer Credit Card, American Express® Platinum Reserve Credit Card, American Express® Gold Card, American Express® Gold Business Card, American Express® Platinum Card, American Express® Business Platinum Card® and American Express® Centurion Card. Payment must be made in full with an eligible American Express Card in the Card Member’s name. Card Member must travel on itinerary booked to be eligible for benefits described. Membership Rewards® points and Platinum Travel Credit cannot be used towards The Hotel Collection bookings as payment. The eligible Card Member will receive the credit as a deduction from the final hotel bill when checking out of the hotel; they will receive $1 for each eligible dollar spent up to $100 USD. Eligible spend includes dining, spa and resort activities. Eligible spend does not include charges for taxes, gratuities, fees and cost of room. Additional exclusions based on specific hotel restrictions may also apply (including without limitation purchases within the hotel that are unaffiliated and/or owned by third parties) – see hotel front desk for details. Credit must be used in conjunction with initial stay and cannot be carried over to another stay, is not redeemable for cash and expires at check-out. Credit is non-exchangeable and non-refundable and is applied in USD or equivalent in local currency based on exchange rate on day of arrival. Limit one credit per room, per stay. Three-room limit per Card Member per stay; back-to-back stays within a 24-hour period at the same property considered one stay. If an eligible Card Member cancels their room, any additional rooms will no longer qualify for benefits as the eligible Card Member must be staying at the hotel. Participating providers and benefits subject to change. Taxes, surcharges and additional fees are as supplied by the hotel at the time of reservation; however they are subject to change and will be charged as applicable at the time of settlement of your hotel account. Note that payments made in foreign currencies will be subject to a foreign currency conversion and fee at the time of payment upon departure. You may be able to use Membership Rewards® points and/or the Travel Credit on the American Express Travel website as payment towards The Hotel Collection, if the selected hotel and room type provides you the option to prepay in advance. A one category room upgrade is based on availability and eligibility at check-in to the hotel.
7. Additional Card Members must be 16 years of age or over. The Primary Card Member will be liable to pay for all transactions made by Additional Card Members. Earning of points is subject to the terms and conditions of the Rewards Program the Primary Card Member is actively enrolled. All points earned on Additional Card Member spend will go to the Primary Card Members Account. The Primary Card Member cannot add an Additional Card under their own name or email address and cannot add an Additional card under the name or email address of a previously approved Additional Card application on the Account.
8. Entry into The Centurion^® Lounge is governed by the full Terms and Conditions available at amex.com.au/airportlounge. All entrants must adhere to the General Conditions of Entry. American Express Explorer Card Members are entitled to a total of two (2) entries into The Centurion^® Lounges in Australia per calendar year (1 January to 31 December). Complimentary access is available for the Card Member’s children 17 years and younger. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member’s American Express Card.
9. You will have up to 55 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued.
10. You can create an Instalment Plan as long as your account is in good standing. We may limit the amount that can be transferred to an Instalment Plan. Each Instalment Plan will begin from the date it is successfully created, as communicated to you in your Online Account. Payment of your first Monthly Instalment will be due in your next payment cycle. You will be charged a Monthly Plan Fee for each Instalment Plan created. This fee will be charged each month your Instalment Plan is active and will be notified to you before you create the Instalment Plan. View the full Plan It Instalments Terms and Conditions here.

Customer notice: this article provides general information only and does not consider personal circumstances. We may receive a commission if you apply for a card via our Amex partner link (read more in our Cards Disclosure). Thank you for your vital support!

If you love to travel, right now you can get 50,000 bonus Qantas Points with Amex’s most popular and rewarding Qantas card: the Qantas American Express Ultimate Card.

Our readers consistently tell us that this is their favourite Qantas card. It’s packed with perks, including a $450 Qantas Travel Credit each year, a strong points earn rate on spend, four airport lounge entries per year, comprehensive travel insurance, and more.

You’ll also receive 50,000 bonus Qantas Points when you apply online via our Amex partner link by 1 July 2025, are approved, and spend $5,000 on eligible purchases on your new card within the first 3 months (T&Cs apply; new Amex Card Members only).¹

Qantas Points don’t expire so long as you keep your Qantas Frequent Flyer account active by earning or redeeming at least one point every 18 months. Plus, points bookings are refundable if your plans change.

Here’s an overview of the benefits you can enjoy with this card.

1. Earn piles of points and fly with top airlines

You’ll turbocharge your points balance by earning 1.25 Qantas Points per $1 spent on everyday purchases² – one of the highest Qantas Points earn rates in Australia.

You’ll receive 2.25 Qantas Points per $1 spent on selected Qantas products and services in Australia³, and 0.5 Qantas Points per $1 spent with government bodies⁴.

After a total of 100,000 Qantas Points is earned in a calendar year, the everyday earn rate will change from 1.25 to 1 Qantas Point per $1 spent⁵.

Hundreds of thousands of merchants accept Amex in Australia, and that number is growing, so there’s no shortage of places where you can earn points with this card.

There’s no limit on the number of points you can earn⁶.

You can use those points to fly with Qantas and an array of international partners, including top airlines like American Airlines, British Airways, Cathay Pacific, Emirates, Japan Airlines, and more.

With so many partners to choose from, the whole world is within reach.

2. Take off with a $450 Qantas Travel Credit every year

You’ll get a $450 Qantas Travel Credit at the start of each card membership year⁷, including when you first receive the card, which effectively offsets the card’s $450 annual fee.

The travel credit is redeemable for Qantas flights online at American Express Travel. It’s valid for 12 months and you can book any available flight in the future (i.e. a travel credit issued now would be valid to early 2026 for travel to early 2027).

The travel credit is also very flexible. While you need to use it in a single booking, that can be for one or more people, travelling one way or return, and on domestic or overseas flights. Plus, the booking can be in anyone’s name and doesn’t have to include you.

Eligible flights are standard Qantas flights with a QF flight number, so you’ll have plenty of routes to choose from.

Take off with a Qantas Travel Credit every year

And here’s a tip for how you could use two consecutive travel credits to shave $900 off a single trip: just before a travel credit expires at the end of your card membership year, use it to book a one-way flight, then when you get the next travel credit a few days later, use it to book the return journey. Or use the first travel credit to book a return fare for yourself and the second travel credit for a companion.

3. Enjoy four airport lounge entries each year

Relax before your next flight in style, even if you’re flying economy.

Each year, you’ll receive two Qantas lounge invitations valid for both domestic Qantas Clubs and Qantas International Lounges in Australia and overseas⁸.

These invitations will be activated in your Qantas Frequent Flyer account after your first card spend on selected Qantas products and services, such as flights.

You can use one of the Qantas lounge invites to bring in a guest, or transfer one or both invites to another Qantas Frequent Flyer member.

Relax in the lounge before you fly

You’ll also receive two entries each year to Amex’s exclusive The Centurion Lounge at Sydney Airport international or Melbourne Airport international⁹, which are the two airports in Australia that have Amex lounges so far.

Simply present your physical card at the door to get in, and you may use one of the entries to bring in a guest (children under the age of 17 get in for free).

4. Travel securely with domestic and overseas travel insurance

You’ll receive complimentary travel insurance cover when you pay for a domestic or international return flight with your card or use Qantas Points or the $450 Qantas Travel Credit to book.¹⁰

This cover extends to your domestic partner and dependent children up to the age of 25 when they are travelling with you.

You’ll receive cover for:

• inconvenience – flight delays, cancellations or missed connections, and delayed luggage
• medical emergency expenses
• damaged, destroyed, lost or stolen baggage, money or documents
• trip cancellation and amendment costs
• personal liability
• COVID-19 related changes and costs.

If you’re currently paying for travel insurance and this cover meets your needs, you could save money by relying on it.

5. Enjoy a range of other benefits

There are many more perks to enjoy with this card, including:

• up to 4 complimentary Additional Cards for family members or friends¹¹ – an easy way to earn points faster
• complimentary premium membership to Qantas Wine¹² (worth $99) – get free delivery Australia-wide¹³ and earn 3 points per $1 spent
• up to 44 days interest free¹⁴ on purchases
• ‘buy now, pay later’ with American Express Plan It™ Instalments¹⁵: pay off your card balance in equal monthly instalments with 0% interest and a fixed monthly fee
• use your card with Apple Pay, Google Pay or Samsung Pay
• Amex Offers: save money and earn bonus points via regular offers with top brands
• American Express Experiences: access sought-after events like music, theatre and film, including via pre-sale tickets, and enjoy exclusive lounges at selected events.

Plus 50,000 bonus Qantas Points

Receive 50,000 bonus Qantas Points when you apply online via our Amex partner link by 1 July 2025, are approved, and spend $5,000 on eligible purchases on your new card within the first 3 months (T&Cs apply; new Amex Card Members only).

This offer is only available to new American Express Card Members. That means you must not have held an American Express card in the last 18 months. However, you are eligible if you’re an Additional Card Member on someone else’s account (including a corporate account).

Amex no longer specifies a minimum income to be eligible for this card.

It’s very simple to apply, including on mobile devices.

To read more and apply on Amex’s website, click here.

* Terms & Conditions – Click Here To View

Important: This article is not intended to suggest that you should apply for a card. You should seek independent, professional advice and consider your personal circumstances before deciding to apply for a card.

Cards are offered, issued, and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit Licence No. 291313.

American Express income and credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 4 September 2024 and are subject to change. Applicants must be 18 years of age or over to apply for the Qantas American Express Ultimate Card. They must be an Australian Citizen or permanent resident or hold a long term visa. Long term means 12 months or more and does not include a student visa.

1. Receive 50,000 bonus Qantas Points when you apply online by 1 July 2025, are approved, and spend $5,000 on eligible purchases on your new Card within the first 3 months from the Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion This offer is only available to new American Express Card Members. If you previously held a David Jones American Express Card and have not held any other American Express Card(s) in the past 18 months, you will be eligible for the offer. All other Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer. Qantas Points are earned in accordance with and subject to the Qantas American Express Card Points Terms and Conditions. 50,000 bonus Qantas Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. Qantas Frequent Flyer membership and the earning and redemption of points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at qantas.com/terms. The Qantas American Express Ultimate Card has an annual Card fee of $450. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.
2. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership and the earning and redemption of points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at qantas.com/frequentflyer. Qantas Points and bonus Qantas Points are earned in accordance with and subject to the Qantas American Express Cards Points Terms and Conditions, and exclusions apply. Eligible purchases do not include annual Card fees, cash advances, interest, fees and charges for traveller’s cheques and foreign currencies – these do not earn Qantas Points. For the full list of exclusions, please refer to the Qantas American Express Cards Points Terms and Conditions.
3. Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from Qantas.com.au; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. Subject to Qantas American Express Card Points Terms and Conditions.
4. You will earn 0.5 point per dollar spent with Merchants classified as ‘government’, including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies, including where you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant.
5. From 10 January 2024, once you have earned a total of 100,000 Qantas Points on your Card Account in a calendar year, your earn rate of 1.25 Qantas Points per $1 spent will change to 1 Qantas Point per $1 spent on everyday purchases. All other earn rates (Qantas products and services and government spend) will remain unchanged. The points threshold is based on eligible Qantas Points earned during a calendar year and will be reset on 1 January each year. Qantas Points earned by all Card Members on a Card Account contribute to the 100,000 points threshold each calendar year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.
6. As long as your account remains current and in good standing.
7. Qantas American Express Ultimate Primary Card Members are eligible for an annual $450 Qantas Travel Credit, subject to the full Qantas Travel Credit Terms and Conditions at amex.com.au/qantasultimate-travelcreditterms. The Qantas Travel Credit can be redeemed through American Express Travel Online on a single eligible travel booking for Qantas Flights (i.e. a QF flight number on your ticket) by selecting the Qantas Travel Credit when you checkout. All Qantas Flight travel is subject to Qantas Conditions of Carriage. To redeem the Travel Credit, the full value of the Travel Credit (or more) must be charged to the eligible Primary Card. The Qantas Travel Credit can be used for 365 days from the benefit anniversary date and cannot be used past the expiration date. To check the expiration date of your Qantas Travel Credit if you have not already redeemed it, please visit americanexpress.com.au/travel; log in and click ‘Travel Credit’. If your booking is cancelled, and your Qantas Travel Credit has already been used and associated statement credit applied to your account, you will forfeit your annual Qantas Travel Credit benefit and American Express may reverse the statement credits issued. You need to be able to spend on the Card to access the Qantas Travel Credit benefit and it should be credited to your Card Account within 3 business days but may take up to 30 days. Your account must be in good standing and you must have paid the annual fee and minimum payment by the due date. If you cancel your Card, change your rewards program or Card type, you will no longer be eligible for the Qantas Travel Credit.
8. Provided you are a Qantas Frequent Flyer and have registered your Qantas Frequent Flyer number with your Qantas American Express Ultimate Card, you are eligible to receive two Qantas Club Lounge Invitations each anniversary year of your Card Membership after purchasing on selected Qantas products and services using your Qantas American Express Ultimate Card. Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from Qantas.com.au; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. Subject to Qantas American Express Card Points Terms and Conditions. Within 2 weeks of purchasing selected Qantas products and services, you will receive an email from Qantas confirming the Qantas Club Lounge Invitations are available for use. Login to the Complimentary Invitations Portal using your Frequent Flyer details to access your invitation, link it with an eligible Qantas flight booking or find out more information. Qantas Club Lounge Invitations are valid for a single visit by one guest to a Qantas Club Lounge and must be used prior to their expiry. Invitations are subject to the Qantas Club Terms and Conditions and are not valid for Qantas International First Class Lounges, the Qantas Chairman’s Lounge, Qantas Domestic Business and or oneworld® alliance partner or associated lounges. Qantas Club Invitations cannot be carried forward to any subsequent year and must not be sold, they may only be transferred as allowed by Qantas. Invitations may be revoked or withheld if your Qantas American Express Ultimate Card account is not in good standing, if the selected Qantas products and services are refunded in full or if you have not complied with these Qantas Club Invitation Conditions, the Credit Card Terms and Conditions or the Qantas Club Lounge Access Terms and Conditions.
9. Entry into The Centurion^® Lounge is governed by the full Terms and Conditions available at amex.com.au/airportlounge. All entrants must adhere to the General Conditions of Entry. Qantas American Express Ultimate Card Members are entitled to a total of two (2) entries into The Centurion^® Lounges in Australia per calendar year (1 January to 31 December). Complimentary access is available for the Card Member’s children 17 years and younger. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member’s American Express Card.
10. The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Qantas Ultimate Credit Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Qantas Ultimate Credit Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
11. Additional Card Members must be 16 years of age or over. The Primary Card Member will be liable to pay for all transactions made by Additional Card Members. Earning of points is subject to the terms and conditions of the Rewards Program the Primary Card Member is actively enrolled. All points earned on Additional Card Member spend will go to the Primary Card Members Account. The Primary Card Member cannot add an Additional Card under their own name or email address and cannot add an Additional card under the name or email address of a previously approved Additional Card application on the Account.
12. Qantas Wine Premium Membership and its benefits are subject to the Qantas Wine Terms and Conditions. To join or purchase from Qantas Wine, you must be a Qantas Frequent Flyer member aged 18 years or older and have an Australian delivery address. An annual Membership fee usually applies for Qantas Wine Premium Membership, but this will be waived so long as you continue to hold your Qantas American Express Ultimate Card. Complimentary joining gift is not available with this offer. Qantas Wine Premium Membership will be automatically applied within 2 weeks of Qantas Points being credited to your Qantas Frequent Flyer account from your first spend on your Qantas American Express Ultimate Card. You will receive email confirmation from Qantas about your Qantas Wine Premium Membership enrolment. Qantas Wine Premium members will earn 3 Qantas Points per dollar on qantas.com/wine. Liquor Act 2007: It is an offence to sell or supply to or to obtain liquor on behalf of a person under the age of 18 years. Licence Number: LIQP770016736.
13. Delivery is subject to the Qantas Wine Terms and Conditions and available within Australia only.
14. You will have up to 44 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued.
15. You can create an Instalment Plan as long as your account is in good standing. We may limit the amount that can be transferred to an Instalment Plan. Each Instalment Plan will begin from the date it is successfully created, as communicated to you in your Online Account. Payment of your first Monthly Instalment will be due in your next payment cycle. You will be charged a Monthly Plan Fee for each Instalment Plan created. This fee will be charged each month your Instalment Plan is active and will be notified to you before you create the Instalment Plan. View the full Plan It Instalments Terms and Conditions here.