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American Express Essential Rewards Credit Card - 30,000 Bonus Membership Rewards Points

Earn 30,000 Membership Rewards Bonus Points* when you spend $3,000 on eligible purchases within 3 months of the approval date. (T&Cs apply. New Amex Card Members only.) The Card earns up to 5 points per $1 spent for the first 10,000 points per month and has a range of insurance options for consumers (Mobile, Card Purchase, Card Refund, Buyer's Advantage), all for $9 per month. Use Membership Rewards Points for gift cards, to cover charges, or transfer to over 10 airline and hotel partners for maximum value. Monthly fee is $9. Bonus Points: 30,000 pts Earn Rate: 5 points per $1 spent on eligible eats & drinks purchases in Australia, 3 points per $1 spent on selected streaming subscriptions in Australia, 2 points per $1 spent at selected major retailers in Australia and 1 point per $1 spent on everything else including government spend Min Spend: A$3,000 Annual Fee: A$108

Points Earned

30,000

Cost Per Point

0.36c

Excellent

Deal Score

65/100

Cost Breakdown

Total Cost (AUD)$108.00
Annual Fee$108.00
Minimum Spend$3,000.00
Effective CPP0.360 cents/point

Card Details

BankAmerican Express
NetworkAmex
Churning Cooldown24 months

This card has a 24-month churning cooldown. You must wait at least 24 months after closing the card before re-applying to receive the sign-up bonus again.

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General information only. This is not financial advice or credit assistance. Consider whether this product is right for your circumstances. Read the issuer's Key Facts Sheet and Target Market Determination before applying. Applying for credit may affect your credit score.

Quick Info

CountryAU
Card Typepersonal
First Seen08 Feb 2026
Last Updatedabout 14 hours ago
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