Essential Credit Card is issued by American Express. It is a card uniquely designed to fit modern-day lifestyles. It comes with a combination of money-saving features, complimentary extras, and all the good stuff you desire.
Essential Credit Card Key Benefits
- Earn 1.25 Membership Rewards Points for every $1 spent.
- Enjoy the smartphone screen insurance, which covers you for screen repairs when you pay for your phone or contact your Essential Credit Card.
- Get access to great perks from every day offers to secure those all-important gig tickets.
Get Rewarded with Essential Credit Card
- Cardholders earn 1 membership rewards point per $1 spent on eligible purchases (and 0.5 points for every $1 spent on bills, utilities, and government payments), uncapped, as they receive complimentary enrollment to the Membership Rewards Gateway Program.
- Rewards Points you earn can be redeemed for flights and merchandise.
- Receive a fresh new outfit from David Jones, by shopping online and checking out with your point.
- Enjoy a gift card from Uber, Holts, Westfield, and more.
- Pay for eligible purchases using the Select + Pay with Points Program.
- Get points faster by adding up to 4 additional cards, for your friends and family.
Other Amazing Benefits
- Smartphone screen insurance, helps you pay for your phone (outright or on contract) and covers smartphone screen repairs. Every cardholder is eligible to make two claims per 12-month period
- This card is compatible with Apple Pay, Samsung Pay, and Google Play.
- This card gives you the flexibility to pay off bigger purchases in your time via its 14.99% p.a. on purchases offer.
- Enjoy American Express Invites, which give you access to pre-sale tickets and reserved seating for sought-after events.
Stay Protected with Essential Credit Card
- Any eligible item that gets stolen or broken, within 90 days of purchase, can be repaired or refunded. Your purchase stays protected.
- Refund protection, get you reimbursed per year, with no excess, if you are refused a refund on an unused eligible item within 90 days of purchase.
- Online fraud protection, makes you unaccountable for unauthorized charges.
- The buyer’s advantage extends the manufacturer’s warranty by up to 12 months
- Emergency card replacement gets you a replacement within 48 hours, virtually anywhere in the world if your card is lost or stolen.
- Benefit from exclusive American Express offers on rewards and other perks.
- No annual fee
Eligibility
- The minimum age required is 18
- A minimum income of $40,000 or more, gross (pre-tax) annual income is required.
- Be an Australian Citizen or permanent resident or hold a current Business Long Stay Visa (Subclass 457)
- No history of bad debt or payment default.
Essential Credit Card Application
- Scroll to the American Express secure application page and,
- Provide your details: Title, Legal first name, Middle name (optional), Legal last name, Email address, Mobile phone number, Home phone number, Date of birth, Driver’s license number (optional), Residential Street address
- How long have you lived at this address?
- The financial info required is any other sources of income or assets, including property, shares and savings accounts, debts, liabilities, or other expenses, including existing card debts, mortgages, rental payments, and day-by-day expenses.
- Annual salary before tax
- Tick on the appropriate box, if you have another American Express Issued, Card
- Tap on the “Save & Continue” tab.
How to Recover a Lost or Stolen Card
To recover a lost or stolen card, contact customer service here, in Australia, or by contacting the nearest American Express Travel Service or office overseas.
How to Activate Essential Card
- Scroll to americanexpress.com
- On the welcome page, enter your 4 Digits Card ID, 15 Digits Card Number
- Tap on the “Confirm” option
- On the next page, enter your account and basic contact details. These are the basic details you provided when you started the account
- Tap the “Finish” button, to complete the process.
You can also activate it by contacting essential credit card customer care service to assist you. you can contact them via this URL https://www.essentialfcu.org/connect/contact-essential/contact-us.html.
How To Pay Bill?
Paying bills has never been easier with essential cards. all you are required to do is Scroll to the card page, Choose a convenient payment method, and pay your outstanding bills before the due date.