This page is my best effort to summarise the card's terms from the information I found. Read the bank's terms for full details, or contact the bank if you have questions.
I'd like to use my bonus for:
Can I get this?
This offer is advertised to the public. Bonus conditions and the bank’s approval requirements still apply.
Can I get this bonus if I have held a card before?
I have not checked the waiting period for this bonus.
See the waiting rules for every Australian bank →What must I spend?
$4,000 within 90 days — about $1,333 per month.
Can I get the card?
I do not have a minimum income for this card.
Meeting the bonus rules does not mean the bank will approve your application. The bank must assess and approve the card separately.
How long is this available?
The listed end date has passed: 2 December 2025. Date comparison uses the Australia/Sydney calendar. The issuer’s closing time and timezone are not recorded. Check availability with the issuer.
Should I keep it after the first year?
Keeping the card costs $395 each year ($395 annual fee) — the first year was $395.
There is no bonus in year two. The fee buys points on your spending, plus the card's perks.
Ongoing earn: 2.00x American Express points per $1.
Keeping pays off only if the ongoing earn and benefits are worth $395/yr to you.
36,000 Krisflyer points at 1.5¢ a point − $395 in first-year fees. This is flight value, not cash. It assumes you earn the bonus and pay in full.
This offer has ended. I keep this page so you can check the old terms.
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- You close the card before the next annual fee, or you decide keeping it is worth that fee.
Did this help you make a decision?
Terms and evidence
Full current terms
Offer terms
Signup Bonus
100,000 points
American Express
Minimum Spend
$4,000
within 90 days (about 3 months)
Cash Bonus
Additional Cash Bonus
Offer Expires
December 2, 2025
10 months ago
Ongoing Earn Rate
2.00x points per $1 spent
Fees
First Year Annual Fee
$395
Ongoing Annual Fee
$395
From year 2 onwards
Purchase Interest Rate
23.99% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Benefit history (8 changes)
- Travel InsuranceUpdated May 2026
Now Up to $2,500,000 cover · trips up to 180 days.
- Installment PlansUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Hotel BenefitsUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Lounge AccessUpdated May 2026
Now 2 visits/year · The Centurion Lounge.
Offer terms history (9 versions — old terms, for checking)
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Changes from terms version 8
Changes from terms version 7
Changes from terms version 6
No recorded term changes from the previous version.
Changes from terms version 4
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Archived notes
Earlier notes about this offer, kept as an archive — not current terms. Note dates are separate from terms publication dates.
- Expiration changed from 31/12/23 to ''3 years ago
- Bonus changed from 70K to 50K3 years ago
- Bonus changed from 50K to 70K3 years ago
- Bonus changed from 70K to 50K3 years ago
- Expiration changed from undefined to 31/12/233 years ago
- Bonus lowered from 85k to 70k4 years ago
- Bonus increased from 70k to 85k4 years ago
- Bonus increased from 50k to 70k, spend increased from $3k to $4k4 years ago
- Bonus lowered from 70k to 50k4 years ago
- Bonus reduced from 100k to 70k, spend reduced from $4k to $3k4 years ago
- Bonus reduced from 150,000 to 100,000 and spend requirement increased from $3000 to $40005 years ago
- Bonus increased from 100,000 to 150,00 and spend requirement dropped from $4000 to $30005 years ago
- Bonus reduced from 240,000 to 100,000 and spend requirements increased from $3000 to $40005 years ago
Discussion
About these ended terms (published 30 Nov 2025) — not the current offer.
Community and personal tools
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