{ "note": "Card issuers that are not Consumer Data Right data holders (American Express, Zip, Wizit), read by hand from each issuer's own card pages and, where it publishes one, its Key Facts Sheet (the one-page fact sheet every credit card issuer must publish under the National Consumer Credit Protection Regulations). Every figure carries the sentence it was read from in quotes; scripts/au_credit_cards_verify.py re-reads each sentence daily and the normaliser marks a card whose sentence has gone. Figures a document does not state are left null, never guessed; interest_free_days 0 means the document says there is no interest-free period. Charge cards carry no purchase rate and are listed unranked, as the feed-sourced charge cards are.", "issuers": [ { "brand_slug": "american-express", "brand": "American Express Australia Limited", "brand_label": "American Express", "legal_entity_abn": "92108952085", "credit_licence": "291313", "website": "https://www.americanexpress.com/au/", "why_not_in_the_feeds": "American Express Australia Limited is not on the Consumer Data Right register of data holders, so it publishes no product reference data feed; its Key Facts Sheets and card pages are the public record.", "fees_page": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "foreign_transaction_fee_pct": 3.5, "foreign_transaction_fee_note": "Currency Conversion Fee: effective from 4 May 2026, 3.5% of the converted amount (the issuer's fees page).", "cash_advance_note": "The Key Facts Sheets state cash advances are not offered on the credit cards; the fees page lists a cash advance fee for enrolled Card Members on charge cards, so nothing is claimed for them.", "quotes": { "foreign_transaction_fee": { "text": "Currency Conversion Fee Effective from 4 May 2026, 3.5% of the converted amount", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/" }, "late_payment_fee_charge_cards": { "text": "Late Payment Fee $30 Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount.", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/" } }, "cards": [ { "product_id": "amex-low-rate", "name": "The Low Rate Credit Card from American Express", "label": "Low Rate Credit Card", "product_url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/", "card_type": "credit", "segments": [ "personal" ], "scheme": "amex", "purchase_rate_pct": 10.99, "cash_advance": "not offered", "annual_fee": 0, "fee_period": "annual", "fee_as_stated": 0, "first_year_fee_waived": false, "interest_free_days": 55, "late_payment_fee": 30, "rewards_program": null, "restrictions": [], "notes": [], "key_facts_sheet": { "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "correct_as_at": "2024-04-30" }, "quotes": { "annual_fee": { "text": "Annual Fee $0 p.a.", "url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/" }, "purchase_rate": { "text": "Interest Rate 10.99% p.a. on purchases", "url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/" }, "interest_free_days": { "text": "Interest Free Period Up to 55 days", "url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/" }, "kfs_date": { "text": "Correct as at 30 April 2024", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf" }, "min_credit_limit": { "text": "Minimum credit limit $1,000 $2,000 $3,000 $3,000", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf" }, "late_payment_fee": { "text": "Late payment fee $30 $30 $30 $30", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf" }, "cash_advance": { "text": "Interest on cash advances Not offered Not offered Not offered Not offered", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf" } }, "min_credit_limit": 1000 }, { "product_id": "amex-essential-rewards", "name": "The American Express Essential Rewards Credit Card", "label": "Essential Rewards Credit Card", "product_url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/", "card_type": "credit", "segments": [ "personal" ], "scheme": "amex", "purchase_rate_pct": 23.99, "cash_advance": "not offered", "annual_fee": 108, "fee_period": "monthly", "fee_as_stated": 9, "first_year_fee_waived": false, "interest_free_days": 55, "late_payment_fee": 30, "rewards_program": "Membership Rewards", "restrictions": [], "notes": [], "key_facts_sheet": { "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "correct_as_at": "2024-04-30" }, "quotes": { "annual_fee": { "text": "Annual Fee $9 per month ($108 per year)", "url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/" }, "purchase_rate": { "text": "Interest Rate 23.99% p.a. on purchases", "url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/" }, "interest_free_days": { "text": "Interest Free Period Up to 55 days", "url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/" }, "kfs_date": { "text": "Correct as at 30 April 2024", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf" }, "min_credit_limit": { "text": "Minimum credit limit $1,000 $2,000 $3,000 $3,000", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf" }, "late_payment_fee": { "text": "Late payment fee $30 $30 $30 $30", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf" }, "cash_advance": { "text": "Interest on cash advances Not offered Not offered Not offered Not offered", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf" } }, "min_credit_limit": 2000 }, { "product_id": "amex-explorer", "name": "The American Express Explorer Credit Card", "label": "Explorer Credit Card", "product_url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/", "card_type": "credit", "segments": [ "personal" ], "scheme": "amex", "purchase_rate_pct": 23.99, "cash_advance": "not offered", "annual_fee": 395, "fee_period": "annual", "fee_as_stated": 395, "first_year_fee_waived": false, "interest_free_days": 55, "late_payment_fee": 30, "rewards_program": "Membership Rewards", "restrictions": [], "notes": [], "key_facts_sheet": { "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "correct_as_at": "2024-04-30" }, "quotes": { "annual_fee": { "text": "Annual Fee $395 p.a.", "url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/" }, "purchase_rate": { "text": "Interest Rate 23.99% p.a. on purchases", "url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/" }, "interest_free_days": { "text": "Interest Free Period Up to 55 days", "url": "https://www.americanexpress.com/au/credit-cards/explorer-credit-card/" }, "kfs_date": { "text": "Correct as at 30 April 2024", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf" }, "min_credit_limit": { "text": "Minimum credit limit $1,000 $2,000 $3,000 $3,000", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf" }, "late_payment_fee": { "text": "Late payment fee $30 $30 $30 $30", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf" }, "cash_advance": { "text": "Interest on cash advances Not offered Not offered Not offered Not offered", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf" } }, "min_credit_limit": 3000 }, { "product_id": "amex-platinum-edge", "name": "The American Express Platinum Edge Credit Card", "label": "Platinum Edge Credit Card", "product_url": "https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card/", "card_type": "credit", "segments": [ "personal" ], "scheme": "amex", "purchase_rate_pct": 23.99, "cash_advance": "not offered", "annual_fee": 195, "fee_period": "annual", "fee_as_stated": 195, "first_year_fee_waived": true, "interest_free_days": 55, "late_payment_fee": 30, "rewards_program": "Membership Rewards", "restrictions": [], "notes": [ "The card page offers $0 Annual Card Fee in the first year, saving you $195; the ongoing fee is the Key Facts Sheet's $195 per annum." ], "key_facts_sheet": { "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "correct_as_at": "2024-04-30" }, "quotes": { "annual_fee": { "text": "$195 per annum", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf" }, "purchase_rate": { "text": "Interest Rate 23.99% p.a. on purchases", "url": "https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card/" }, "interest_free_days": { "text": "Interest Free Period Up to 55 days", "url": "https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card/" }, "kfs_date": { "text": "Correct as at 30 April 2024", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf" }, "min_credit_limit": { "text": "Minimum credit limit $1,000 $2,000 $3,000 $3,000", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf" }, "late_payment_fee": { "text": "Late payment fee $30 $30 $30 $30", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf" }, "cash_advance": { "text": "Interest on cash advances Not offered Not offered Not offered Not offered", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf" }, "first_year_fee": { "text": "$0 Annual Card Fee in the first year, saving you $195", "url": "https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card/" } }, "min_credit_limit": 3000 }, { "product_id": "amex-qantas-discovery", "name": "The Qantas American Express Discovery Card", "label": "Qantas Discovery Card", "product_url": "https://www.americanexpress.com/au/credit-cards/qantas-discovery-card/", "card_type": "credit", "segments": [ "personal" ], "scheme": "amex", "purchase_rate_pct": 23.99, "cash_advance": "not offered", "annual_fee": 0, "fee_period": "annual", "fee_as_stated": 0, "first_year_fee_waived": false, "interest_free_days": 44, "late_payment_fee": 30, "rewards_program": "Qantas Frequent Flyer", "restrictions": [], "notes": [], "key_facts_sheet": { "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf", "correct_as_at": "2023-05-03" }, "quotes": { "annual_fee": { "text": "Annual Fee $0 p.a.", "url": "https://www.americanexpress.com/au/credit-cards/qantas-discovery-card/" }, "purchase_rate": { "text": "Interest Rate 23.99% p.a.", "url": "https://www.americanexpress.com/au/credit-cards/qantas-discovery-card/" }, "interest_free_days": { "text": "Interest Free Period Up to 44 days", "url": "https://www.americanexpress.com/au/credit-cards/qantas-discovery-card/" }, "kfs_date": { "text": "Correct as at 3 May 2023", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf" }, "min_credit_limit": { "text": "Minimum credit limit $2,000 $2,000 $3,000", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf" }, "late_payment_fee": { "text": "Late payment fee $30", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf" }, "cash_advance": { "text": "Interest on cash advances Not Offered", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf" } }, "min_credit_limit": 2000 }, { "product_id": "amex-qantas-premium", "name": "The Qantas American Express Premium Card", "label": "Qantas Premium Card", "product_url": "https://www.americanexpress.com/au/credit-cards/qantas-premium-card/", "card_type": "credit", "segments": [ "personal" ], "scheme": "amex", "purchase_rate_pct": 23.99, "cash_advance": "not offered", "annual_fee": 249, "fee_period": "annual", "fee_as_stated": 249, "first_year_fee_waived": false, "interest_free_days": 44, "late_payment_fee": 30, "rewards_program": "Qantas Frequent Flyer", "restrictions": [], "notes": [], "key_facts_sheet": { "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf", "correct_as_at": "2023-05-03" }, "quotes": { "annual_fee": { "text": "Annual Fee $249 p.a.", "url": "https://www.americanexpress.com/au/credit-cards/qantas-premium-card/" }, "purchase_rate": { "text": "Interest Rate 23.99% p.a.", "url": "https://www.americanexpress.com/au/credit-cards/qantas-premium-card/" }, "interest_free_days": { "text": "Interest Free Period Up to 44 days", "url": "https://www.americanexpress.com/au/credit-cards/qantas-premium-card/" }, "kfs_date": { "text": "Correct as at 3 May 2023", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf" }, "min_credit_limit": { "text": "Minimum credit limit $2,000 $2,000 $3,000", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf" }, "late_payment_fee": { "text": "Late payment fee $30", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf" }, "cash_advance": { "text": "Interest on cash advances Not Offered", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf" } }, "min_credit_limit": 2000 }, { "product_id": "amex-qantas-ultimate", "name": "The Qantas American Express Ultimate Card", "label": "Qantas Ultimate Card", "product_url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/", "card_type": "credit", "segments": [ "personal" ], "scheme": "amex", "purchase_rate_pct": 23.99, "cash_advance": "not offered", "annual_fee": 450, "fee_period": "annual", "fee_as_stated": 450, "first_year_fee_waived": false, "interest_free_days": 44, "late_payment_fee": 30, "rewards_program": "Qantas Frequent Flyer", "restrictions": [], "notes": [], "key_facts_sheet": { "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf", "correct_as_at": "2023-05-03" }, "quotes": { "annual_fee": { "text": "Annual Fee $450 p.a.", "url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/" }, "purchase_rate": { "text": "Interest Rate 23.99% p.a.", "url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/" }, "interest_free_days": { "text": "Interest Free Period Up to 44 days", "url": "https://www.americanexpress.com/au/credit-cards/qantas-ultimate-card/" }, "kfs_date": { "text": "Correct as at 3 May 2023", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf" }, "min_credit_limit": { "text": "Minimum credit limit $2,000 $2,000 $3,000", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf" }, "late_payment_fee": { "text": "Late payment fee $30", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf" }, "cash_advance": { "text": "Interest on cash advances Not Offered", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Qantas.pdf" } }, "min_credit_limit": 3000 }, { "product_id": "amex-velocity-escape-plus", "name": "The American Express Velocity Escape Plus Card", "label": "Velocity Escape Plus Card", "product_url": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/", "card_type": "credit", "segments": [ "personal" ], "scheme": "amex", "purchase_rate_pct": 23.99, "cash_advance": "not offered", "annual_fee": 95, "fee_period": "annual", "fee_as_stated": 95, "first_year_fee_waived": false, "interest_free_days": 55, "late_payment_fee": 30, "rewards_program": "Velocity Frequent Flyer", "restrictions": [], "notes": [], "key_facts_sheet": { "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf", "correct_as_at": "2024-11-06" }, "quotes": { "annual_fee": { "text": "Annual Fee $95 p.a", "url": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/" }, "purchase_rate": { "text": "Interest Rate 23.99% p.a.", "url": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/" }, "interest_free_days": { "text": "Interest Free Period Up to 55 days", "url": "https://www.americanexpress.com/en-au/credit-cards/velocity-escape-plus-card/" }, "kfs_date": { "text": "Correct as at 6 November 2024", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf" }, "min_credit_limit": { "text": "Minimum credit limit $2,000 $3,000", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf" }, "late_payment_fee": { "text": "Late payment fee $30", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf" }, "cash_advance": { "text": "Interest on cash advances Not Offered", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf" } }, "min_credit_limit": 2000 }, { "product_id": "amex-velocity-platinum", "name": "The American Express Velocity Platinum Card", "label": "Velocity Platinum Card", "product_url": "https://www.americanexpress.com/au/credit-cards/velocity-platinum-card/", "card_type": "credit", "segments": [ "personal" ], "scheme": "amex", "purchase_rate_pct": 23.99, "cash_advance": "not offered", "annual_fee": 440, "fee_period": "annual", "fee_as_stated": 440, "first_year_fee_waived": false, "interest_free_days": 55, "late_payment_fee": 30, "rewards_program": "Velocity Frequent Flyer", "restrictions": [], "notes": [], "key_facts_sheet": { "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf", "correct_as_at": "2024-11-06" }, "quotes": { "annual_fee": { "text": "Annual Fee $440 p.a.", "url": "https://www.americanexpress.com/au/credit-cards/velocity-platinum-card/" }, "purchase_rate": { "text": "Interest Rate 23.99% p.a. on purchases", "url": "https://www.americanexpress.com/au/credit-cards/velocity-platinum-card/" }, "interest_free_days": { "text": "Interest Free Period Up to 55 days", "url": "https://www.americanexpress.com/au/credit-cards/velocity-platinum-card/" }, "kfs_date": { "text": "Correct as at 6 November 2024", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf" }, "min_credit_limit": { "text": "Minimum credit limit $2,000 $3,000", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf" }, "late_payment_fee": { "text": "Late payment fee $30", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf" }, "cash_advance": { "text": "Interest on cash advances Not Offered", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf" } }, "min_credit_limit": 3000 }, { "product_id": "amex-platinum-reserve", "name": "The American Express Platinum Reserve Credit Card", "label": "Platinum Reserve Credit Card", "product_url": "https://www.americanexpress.com/au/credit-cards/platinum-reserve-card/", "card_type": "credit", "segments": [ "personal" ], "scheme": "amex", "purchase_rate_pct": 23.99, "cash_advance": "not offered", "annual_fee": 0, "fee_period": "annual", "fee_as_stated": 0, "first_year_fee_waived": false, "interest_free_days": 55, "late_payment_fee": 30, "rewards_program": "Membership Rewards", "restrictions": [ "companion_card" ], "notes": [ "A companion card for holders of the issuer's Platinum Charge, Platinum Business or Centurion Card: $0 annual fee while that card's fee is paid, else the page says you will be charged the annual fee of $395." ], "key_facts_sheet": { "url": "https://www.americanexpress.com/content/dam/amex/au/pdfs/customerservice/platinumreservekfs.pdf", "correct_as_at": "2023-12-20" }, "quotes": { "annual_fee": { "text": "As a Centurion, American Express Platinum or American Express Platinum Business Card Member, you can apply for the Platinum Reserve Credit Card with no annual fee", "url": "https://www.americanexpress.com/au/credit-cards/platinum-reserve-card/" }, "purchase_rate": { "text": "Interest rate 23.99% p.a.", "url": "https://www.americanexpress.com/au/credit-cards/platinum-reserve-card/" }, "interest_free_days": { "text": "Interest free period of up to 55 days", "url": "https://www.americanexpress.com/au/credit-cards/platinum-reserve-card/" }, "kfs_date": { "text": "Correct as at 20 December 2023", "url": "https://www.americanexpress.com/content/dam/amex/au/pdfs/customerservice/platinumreservekfs.pdf" }, "min_credit_limit": { "text": "Minimum credit limit $3,000", "url": "https://www.americanexpress.com/content/dam/amex/au/pdfs/customerservice/platinumreservekfs.pdf" }, "late_payment_fee": { "text": "Late payment fee $30", "url": "https://www.americanexpress.com/content/dam/amex/au/pdfs/customerservice/platinumreservekfs.pdf" }, "cash_advance": { "text": "Interest on cash advances Not Offered", "url": "https://www.americanexpress.com/content/dam/amex/au/pdfs/customerservice/platinumreservekfs.pdf" } }, "min_credit_limit": 3000 }, { "product_id": "amex-platinum-card", "name": "The American Express Platinum Card", "label": "Platinum Card", "product_url": "https://www.americanexpress.com/au/credit-cards/the-platinum-card/", "card_type": "charge", "segments": [ "personal" ], "scheme": "amex", "purchase_rate_pct": null, "cash_advance": null, "annual_fee": 1450, "fee_period": "annual", "fee_as_stated": 1450, "first_year_fee_waived": false, "interest_free_days": 44, "late_payment_fee": null, "rewards_program": "Membership Rewards", "restrictions": [], "notes": [ "A charge card: the statement balance is paid in full each month, so there is no purchase rate; the issuer calls its interest-free days cash flow days.", "Late payment fee: three percent or $20, whichever is greater, on any overdue amount (the issuer's fees page)." ], "key_facts_sheet": null, "quotes": { "annual_fee": { "text": "Annual Fee $1,450 p.a.", "url": "https://www.americanexpress.com/au/credit-cards/the-platinum-card/" }, "interest_free_days": { "text": "Cash Flow Period Up to 44 cash flow days", "url": "https://www.americanexpress.com/au/credit-cards/the-platinum-card/" }, "late_payment_fee": { "text": "Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount.", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/" } } }, { "product_id": "amex-platinum-business", "name": "The American Express Platinum Business Card", "label": "Platinum Business Card", "product_url": "https://www.americanexpress.com/au/credit-cards/platinum-business-card/", "card_type": "charge", "segments": [ "business" ], "scheme": "amex", "purchase_rate_pct": null, "cash_advance": null, "annual_fee": 1750, "fee_period": "annual", "fee_as_stated": 1750, "first_year_fee_waived": false, "interest_free_days": 55, "late_payment_fee": null, "rewards_program": "Membership Rewards", "restrictions": [], "notes": [ "Late payment fee: three percent or $20, whichever is greater, on any overdue amount (the issuer's fees page)." ], "key_facts_sheet": null, "quotes": { "annual_fee": { "text": "Annual Fee $1,750 p.a", "url": "https://www.americanexpress.com/au/credit-cards/platinum-business-card/" }, "interest_free_days": { "text": "Cash Flow Period Up to 55 days to pay for purchases", "url": "https://www.americanexpress.com/au/credit-cards/platinum-business-card/" }, "late_payment_fee": { "text": "Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount.", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/" } } }, { "product_id": "amex-qantas-business-rewards", "name": "The American Express Qantas Business Rewards Card", "label": "Qantas Business Rewards Card", "product_url": "https://www.americanexpress.com/au/credit-cards/qantas-business-rewards-card/", "card_type": "charge", "segments": [ "business" ], "scheme": "amex", "purchase_rate_pct": null, "cash_advance": null, "annual_fee": 450, "fee_period": "annual", "fee_as_stated": 450, "first_year_fee_waived": false, "interest_free_days": 51, "late_payment_fee": null, "rewards_program": "Qantas Business Rewards", "restrictions": [], "notes": [ "Late payment fee: three percent or $20, whichever is greater, on any overdue amount (the issuer's fees page)." ], "key_facts_sheet": null, "quotes": { "annual_fee": { "text": "Annual Fee $450 p.a", "url": "https://www.americanexpress.com/au/credit-cards/qantas-business-rewards-card/" }, "interest_free_days": { "text": "Cash Flow Period Up to 51 days to pay for purchases", "url": "https://www.americanexpress.com/au/credit-cards/qantas-business-rewards-card/" }, "late_payment_fee": { "text": "Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount.", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/" } } }, { "product_id": "amex-velocity-business", "name": "The American Express Velocity Business Card", "label": "Velocity Business Card", "product_url": "https://www.americanexpress.com/au/credit-cards/velocity-business-card/", "card_type": "charge", "segments": [ "business" ], "scheme": "amex", "purchase_rate_pct": null, "cash_advance": null, "annual_fee": 249, "fee_period": "annual", "fee_as_stated": 249, "first_year_fee_waived": false, "interest_free_days": 51, "late_payment_fee": null, "rewards_program": "Velocity Frequent Flyer", "restrictions": [], "notes": [ "Late payment fee: three percent or $20, whichever is greater, on any overdue amount (the issuer's fees page)." ], "key_facts_sheet": null, "quotes": { "annual_fee": { "text": "Annual Fee $249 p.a", "url": "https://www.americanexpress.com/au/credit-cards/velocity-business-card/" }, "interest_free_days": { "text": "Cash Flow Period Up to 51 days to pay for purchases", "url": "https://www.americanexpress.com/au/credit-cards/velocity-business-card/" }, "late_payment_fee": { "text": "Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount.", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/" } } }, { "product_id": "amex-business-gold-plus", "name": "The American Express Business Gold Plus Card", "label": "Business Gold Plus Card", "product_url": "https://www.americanexpress.com/en-au/credit-cards/business-gold-plus-card/", "card_type": "charge", "segments": [ "business" ], "scheme": "amex", "purchase_rate_pct": null, "cash_advance": null, "annual_fee": 395, "fee_period": "annual", "fee_as_stated": 395, "first_year_fee_waived": false, "interest_free_days": 55, "late_payment_fee": null, "rewards_program": "Membership Rewards", "restrictions": [], "notes": [ "Late payment fee: three percent or $20, whichever is greater, on any overdue amount (the issuer's fees page)." ], "key_facts_sheet": null, "quotes": { "annual_fee": { "text": "Annual Fee $395 p.a", "url": "https://www.americanexpress.com/en-au/credit-cards/business-gold-plus-card/" }, "interest_free_days": { "text": "Cash Flow Period Up to 55 days to pay for purchases", "url": "https://www.americanexpress.com/en-au/credit-cards/business-gold-plus-card/" }, "late_payment_fee": { "text": "Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount.", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/" } } } ], "not_included": [ { "name": "Business Explorer Credit Card, Business Accelerator Card, The Business Card, Gold Business Card, David Jones cards", "why": "No longer listed for sale on the issuer's card shop in October 2026; only member-benefit pages remain." }, { "name": "Corporate cards (Green, Gold, Platinum, Qantas corporate cards)", "why": "Corporate card programmes priced per business, as the feed-sourced corporate programmes are left unranked." } ] }, { "brand_slug": "zip", "brand": "ZipMoney Payments Pty Ltd", "brand_label": "Zip", "legal_entity_abn": "58164440993", "credit_licence": "441878", "website": "https://zip.co/au", "why_not_in_the_feeds": "Zip is not on the Consumer Data Right register of data holders, so it publishes no product reference data feed; its product pages are the public record. Zip Plus is a digital line of credit with a virtual Visa card rather than a scheme credit card, and is listed here because readers compare it with one.", "fees_page": "https://zip.co/au/zip-plus", "foreign_transaction_fee_pct": 0, "foreign_transaction_fee_note": "Zip Plus has no foreign transaction fees (the product page).", "cash_advance_note": "Zip's page says nothing about cash advances, so nothing is claimed.", "quotes": { "issuer": { "text": "Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.", "url": "https://zip.co/au/zip-plus" }, "foreign_transaction_fee": { "text": "Pay no foreign transaction fees when you shop instore while you travel or when buying from overseas websites.", "url": "https://zip.co/au/zip-plus" } }, "cards": [ { "product_id": "zip-plus", "name": "Zip Plus", "label": "Zip Plus", "product_url": "https://zip.co/au/zip-plus", "card_type": "credit", "segments": [ "personal" ], "scheme": "visa", "form": "virtual_card", "purchase_rate_pct": 13.7, "cash_advance": null, "annual_fee": 119.4, "fee_period": "monthly", "fee_as_stated": 9.95, "first_year_fee_waived": false, "interest_free_days": 0, "late_payment_fee": 15, "rewards_program": null, "min_credit_limit": 2000, "max_credit_limit": 20000, "restrictions": [], "notes": [ "A digital line of credit, not a scheme credit card: the Zip Visa Card is a virtual Visa number in the Zip app, usable online and in a phone wallet, with no physical card as standard.", "No interest is charged in a month in which the balance owing at the end of the month is $1,000 or less; above that, interest accrues at the standard rate. There are no interest-free days in the credit card sense.", "The $9.95 monthly account fee is waived in any month with nothing owing at the end of the month; annual_fee is twelve months of it.", "Minimum monthly repayments are a fixed amount set by the credit limit ($120 a month on a $4,000 limit, the page's example)." ], "key_facts_sheet": null, "quotes": { "purchase_rate": { "text": "Standard interest rate is 13.70% p.a as at 1 April 2026.", "url": "https://zip.co/au/zip-plus" }, "interest_threshold": { "text": "No interest will be charged to your account in a given month if the balance owing at the end of the last day of that calendar month is $1,000 or less.", "url": "https://zip.co/au/zip-plus" }, "annual_fee": { "text": "Monthly Account Fee $9.95/month Waived if $0 owing at the end of each calendar month.", "url": "https://zip.co/au/zip-plus" }, "late_payment_fee": { "text": "If the minimum monthly payment amount (or your remaining balance if less than the minimum) is not met, you will incur a $15 late fee.", "url": "https://zip.co/au/zip-plus" }, "credit_limit": { "text": "Credit $2,000 - $20,000 Up to $20,000", "url": "https://zip.co/au" }, "virtual_card": { "text": "The Zip Visa Card works online and instore, even when you don't see Zip at checkout.", "url": "https://zip.co/au/zip-plus" } }, "fee_name": "Monthly Account Fee", "fee_note": "waived in any month with nothing owing at the end of the month", "interest_free_balance_threshold": 1000 } ], "not_included": [ { "name": "Zip Pay and Zip Money", "why": "Buy now pay later accounts: Zip Pay has a $1,000 limit and no interest, Zip Money is instalment credit with interest-free periods per purchase; neither is compared with a credit card." } ] }, { "brand_slug": "wizit", "brand": "Credit Corp Financial Services Pty Limited trading as WizitMoney", "brand_label": "Wizit", "legal_entity_abn": "39146525706", "credit_licence": "400871", "website": "https://wizit.money/", "why_not_in_the_feeds": "Wizit is not on the Consumer Data Right register of data holders, so it publishes no product reference data feed; its Key Facts Sheet (a web page, correct as at 14 September 2026) and card page are the public record.", "fees_page": "https://wizit.money/wizitcard", "foreign_transaction_fee_pct": 3, "foreign_transaction_fee_note": "3% international conversion fee, equal to 3% of the Australian dollar value of the transaction (the card page).", "cash_advance_note": "Cash advances are not available (the Key Facts Sheet).", "quotes": { "issuer": { "text": "Credit Corp Financial Services Pty Limited trading as WizitMoney (ABN 39 146 525 706) Australian Credit Licence (400871)", "url": "https://wizit.money/wizitcard" }, "foreign_transaction_fee": { "text": "The fee is equal to 3% of the Australian dollar value of the transaction.", "url": "https://wizit.money/wizitcard" } }, "cards": [ { "product_id": "wizitcard", "name": "Wizitcard", "label": "Wizitcard", "product_url": "https://wizit.money/wizitcard", "card_type": "credit", "segments": [ "personal" ], "scheme": "mastercard", "form": "virtual_card", "purchase_rate_pct": 0.0, "cash_advance": "not offered", "annual_fee": 228, "fee_period": "monthly", "fee_as_stated": 19, "first_year_fee_waived": false, "interest_free_days": 0, "late_payment_fee": null, "rewards_program": null, "min_credit_limit": 500, "max_credit_limit": 5000, "restrictions": [], "notes": [ "A digital-first Mastercard added to Apple or Google Wallet; no physical card is needed to shop.", "The $19 monthly fee is not charged in a statement period in which the account had a zero balance and the card was not used; annual_fee is twelve months of it.", "The late payment fee is $1 for each day the account is overdue, capped at $100 in a rolling 12 months, after a grace period; it is not a single amount." ], "key_facts_sheet": { "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet", "correct_as_at": "2026-09-14" }, "quotes": { "purchase_rate": { "text": "Interest on purchases 0% p.a.", "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet" }, "annual_fee": { "text": "Pay a flat $19 monthly fee.", "url": "https://wizit.money/wizitcard" }, "fee_waiver": { "text": "The monthly fee will not be charged if, for the entire statement period, your account had a zero balance and the card was not used.", "url": "https://wizit.money/wizitcard" }, "interest_free_days": { "text": "Interest free period Not applicable", "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet" }, "cash_advance": { "text": "Cash advances are not available", "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet" }, "min_credit_limit": { "text": "Minimum credit limit $500", "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet" }, "max_credit_limit": { "text": "Now access up to $5,000 with 0% interest on purchases.", "url": "https://wizit.money/wizitcard" }, "virtual_card": { "text": "You don’t need a physical card to shop.", "url": "https://wizit.money/wizitcard" }, "kfs_date": { "text": "Correct as at: 14/09/2026", "url": "https://wizit.money/terms-and-conditions/wizitcard-key-facts-sheet" } }, "fee_name": "Monthly fee", "fee_note": "not charged in a statement period in which the account had a zero balance and the card was not used" } ], "not_included": [ { "name": "Powerup", "why": "A separate line of credit up to $30,000 at 19.8% to 47.8% p.a., not a card." } ] } ], "verify": { "checked_at": "2026-11-12T02:35:39+00:00", "source": "data/au-credit-cards/documents.json", "note": "Each quoted sentence in documents.json, re-read on the issuer's page or Key Facts Sheet: found, scattered (the words are there but not as one run, as a PDF table reads), missing, unreadable or unreachable, and confirmed, the last day each was found, with where it was then (cite_url, page, document_sha256). The normaliser joins these onto each card as checked, and onto each quote as its citation.", "counts": { "found": 197, "scattered": 0, "missing": 0, "unreadable": 0, "unreachable": 0, "invalid": 0 }, "issuers": { "american-express": { "issuer.foreign_transaction_fee": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Currency%20Conversion%20Fee%20Effective%20from,3.5%25%20of%20the%20converted%20amount", "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275" }, "issuer.late_payment_fee_charge_cards": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/about-credit-cards/fees/#:~:text=Late%20Payment%20Fee%20%2430%20Three,charged%20on%20any%20overdue%20amount.", "document_sha256": "e8b498ee2e62259b19444a73450d9f4112d286b6bae0798bd6fa020ea6675275" }, "amex-low-rate.annual_fee": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/#:~:text=Annual%20Fee%20%240%20p.a.", "document_sha256": "aee918785e21552c18ab0f12c5535a5048bd18743ca168049499b27592bcb827" }, "amex-low-rate.purchase_rate": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/#:~:text=Interest%20Rate%2010.99%25%20p.a.%20on%20purchases", "document_sha256": "aee918785e21552c18ab0f12c5535a5048bd18743ca168049499b27592bcb827" }, "amex-low-rate.interest_free_days": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/low-rate-credit-card/#:~:text=Interest%20Free%20Period%20Up%20to%2055%20days", "document_sha256": "aee918785e21552c18ab0f12c5535a5048bd18743ca168049499b27592bcb827" }, "amex-low-rate.kfs_date": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb" }, "amex-low-rate.min_credit_limit": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb" }, "amex-low-rate.late_payment_fee": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb" }, "amex-low-rate.cash_advance": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb" }, "amex-essential-rewards.annual_fee": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/#:~:text=Annual%20Fee%20%249%20per%20month%20%28%24108%20per%20year%29", "document_sha256": "2109af52cf84fd0bbb6abcc5808252659c7c8c9f6d89c1070977595c70eb2adb" }, "amex-essential-rewards.purchase_rate": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/#:~:text=Interest%20Rate%2023.99%25%20p.a.%20on%20purchases", "document_sha256": "2109af52cf84fd0bbb6abcc5808252659c7c8c9f6d89c1070977595c70eb2adb" }, "amex-essential-rewards.interest_free_days": { "status": "found", "url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/au/credit-cards/essential-rewards-credit-card/#:~:text=Interest%20Free%20Period%20Up%20to%2055%20days", "document_sha256": "2109af52cf84fd0bbb6abcc5808252659c7c8c9f6d89c1070977595c70eb2adb" }, "amex-essential-rewards.kfs_date": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": "e754f00b49f5e80fe840e7e9734cbbfa06e4df668bcb76d3d9fec56d84b9e8eb" }, "amex-essential-rewards.min_credit_limit": { "status": "found", "url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf", "confirmed": "2026-11-12", "cite_url": "https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf#page=1", "page": 1, "document_sha256": 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