We’ve Found the Ultimate Way to Indulge in Life’s Little Luxuries

We’ve partnered with American Express to share how Amex Plan It® Instalments can help you live the life you want.

After months of indulgence—feasting, celebrating, and spoiling both your loved ones and yourself—it’s no surprise that checking your bank balance might feel a little daunting. With the rising cost of living adding to the challenge, it’s the perfect time to hit refresh and rethink your approach.

This year, we’ve discovered a new way to live life the way you want, thanks to Amex Plan It Instalments. Whether it’s spontaneous long lunches, celebrating milestones (big or small), to finally securing a table at that restaurant you’ve been eyeing for months, Amex Plan It Instalments ensure you never miss out. After all, what’s life without a bit of everyday luxury?  

With Amex Plan It Instalments, you can treat yourself to tickets to your favourite artist, or give your home a much-needed refresh, without entirely overhauling your monthly budget. Whatever it is that you’re spending on, Amex Plan It Instalments can help you divide and conquer your individual purchases or a portion of your credit card balance by splitting them into equal monthly instalments. It’s a practical way to balance living well with staying financially savvy.

Introducing Amex Plan It Instalments  

We’ll happily take any excuse to celebrate, however, whether you’re hosting or attending, a busy social calendar can quickly start to add up. And while you can plan for those big occasions, when the last-minute invites pop up it can become a financial planning nightmare.

Enter: Amex Plan It Instalments. 

Plan It Instalments is a feature available for American Express® Business or Personal Credit Card holders that allows you to pay off purchases or a portion of your balance in equal monthly instalments. And, if you already have an American Express Business or Personal Credit Card, Plan It Instalments is already enabled. Our favourite part? There’s no interest—just a fixed monthly fee that’s clearly disclosed upfront. 

How Do Amex Plan It Instalments Work? 

Simply log into your online Account or App and select the purchase or balance amount you want to pay off (minimum $100) and choose between a 3, 6 or 12-month plan. Review and confirm your plan, including the monthly fee. You’re in total control of how you want to use Plan It Instalments so you can customise it to fit your lifestyle.

Upgrade Your Home

Investing in your living space can make a world of difference. Whether it’s a full-scale renovation or a simple refresh, Plan It Instalments makes home improvements more manageable, helping you create a space you love. 

Let’s paint the picture: you’re on your flight back from an overseas trip, and the holiday blues are already looming. With Amex Plan It Instalments, you can start booking your next getaway sooner rather than later—and spread the cost over time. 

Spoil Yourself (And Your Loved Ones)

Show your loved ones just how much you love them without the stress. From surprise gifts to unforgettable experiences, Plan It Instalments makes it easy to spoil those you love (or yourself). Spontaneous dinner bookings? The world is your oyster. 

Flexible Options to Suit Your Needs 

There are two ways you can use Plan It Instalments, you can use it for purchases or you can use it for a portion of your Credit Card balance. 

Plan Your Purchases 

For purchases $100 or more, you can choose to pay off a purchase in 3, 6, or 12 months. So, for example, if you plan to split your $100 anniversary dinner over 3 months, you’ll pay $33.33 each month and a monthly plan fee of $1 maximum (your monthly fee is maximum 1% of your purchase amount, but the exact amount is subject to your card product)*.

*Example is for illustrative purposes only. Fees will vary according to which plan you are on.

Plan Your Balance 

If you want to pay a portion of your Credit Card balance (rather than an individual purchase), you can do that too. Again, a minimum portion of your balance is $100, choose between 3, 6, or 12 months, and review and confirm the total plan amount, including the monthly fee.

Plus, if you’re a business owner, Plan It Instalments is a great way to manage your Business cash flow while paying off large expenses.  

Discover how Plan It Instalments can help you live the life you want—luxurious and stress-free, today and beyond. 

Plan It Terms and Conditions:

• You can create an Instalment Plan as long as your account is in good standing. We may withdraw this offer, prevent you from creating any new Instalment Plans or cancel any of your existing Instalment Plan(s) at any time if your Card Account is overdue, or if you do not comply with your Card Conditions.
• The minimum Plan amount is AUD$100. We may also limit the amount that can be transferred to an Instalment Plan.
• 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 disclosed to you at the time of creating your 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 may request to cancel your Instalment Plan(s) at any time through your Online Account or the Amex App. Any billed Monthly Plan Fees will remain payable, but no further Monthly Plan Fees will be billed after cancellation is effective. As cancellation can take 24-48 hours to process (“Processing Time”), you may be charged a further monthly plan fee after requesting cancellation if the Processing Time occurs on your payment date. View the full Plan It® Instalment Terms and Conditions here: https://www.americanexpress.com/au/credit-cards/membership-benefits/plan-it/terms-and-conditions.html

American Express income and credit approval criteria applies. Cards are offered, issued, and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit License No. 291313.

Janet Guan

28 February 2025