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Forget interest rates

The Gold Card is the perfect choice for service and recognition. It frees you from worry about rising interest rates because you have to pay your balance in full each month. That means no interest build up and more financial freedom.

Key features
  • Overseas travel and accident insurance¹ covers you and your family.
  • Access to one of the leading global rewards programs, Membership Rewards™, where every $1 spent = 1 Membership Rewards point4. There’s no cap and your points won’t expire, as long as your account remains current.
  • As of the 1 July 2012, you will earn 1 Membership Rewards point for every $1 you spend on all purchases, excluding utilities, insurance (excluding insurances offered by American Express), telecommunications providers and government bodies in Australia where you will earn 0.5 points for every $1 spent.
  • Annual Gold Card fee of $130 p.a.
  • No pre-set spending limit5 - gives you the flexibility to spend as much as you can show you can afford to repay every month.

Set your own limits

Why let someone else set your limits for you? With the Gold Card you have no preset spending limits5, so you can spend as much as you can show us you can afford to repay. 

Key features
  • Overseas travel and accident insurance¹ covers you and your family.
  • Travel Inconvenience Cover¹ will cover you for flight delays, missed connections or delayed luggage.
  • Purchase and Refund Protection covers you for eligible items purchased with your Card¹.
  • Buyer’s Advantage™ extends the manufacturer’s warranty by up to 12 months on eligible items purchased with your card4.
  • Global customer service - Wherever you are in the world, whatever the time of day, we’re here to help.
  • Emergency Card replacement - our global network of offices means that we can usually get a replacement Card to you virtually anywhere in the world.
  • 24/7 online account access - complete control when and where you need it.
  • With our Online Fraud Protection Guarantee, you won’t be held responsible for any unauthorised charges online².
  • Year End Summary of Charges, which will be valuable for record keeping and budgeting.
  • Express Cash™
Rewards and offers

A rewarding choice

The American Express Membership Rewards™ program. Recognised as a 5 star product in CANNEX’s Rewards Star Ratings in 2007.

Key features
  • Why not add to the great features of the Card by joining the Membership Rewards Ascent program. The program offers you the benefits and flexibility to redeem points with 8 leading airline partner programs including Cathay Pacific Aisa MileTM,Eithad Guest, Malaysia Airlines, Enrich, Virgin Australia Velocity Frequent Flyer, Virgin Atlantic Flying Club, Singapore KrisFlyer and Thai Airways International Royal Orchid Plus; or with Air New Zealand AirpointTM where 100 points equals 1 Airpoint dollar7.
  • Insider Online keeps you up to date with the latest offers, opportunities and Cardmember benefits.
  • Make the most of exclusive deals and discounts with American Express Selects™.

Terms and Conditions
1. Insurance Products are arranged through American Express International, Inc (ABN 15 000 618 208) AFS Licence 237996. Subject to the terms, conditions and exclusions of the insurances issued by ACE Insurance Limited (ABN 23 001 642 020) AFS Licence No. 239687. A Product Disclosure Statement (PDS) is available from us upon request. You should read the appropriate PDS and consider the appropriateness of the insurance in relation to your individual requirements.

2. Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.

3. Membership Rewards enrolment required (an annual fee applies). Subject to the Terms and Conditions of the Membership Rewards program.

4. Subject to terms and conditions. Please note that Buyers Advantages does not cover toys, electronic games, cars and other motorised vehicles.

5. You are free to spend as much as you show us you can afford to repay. Proof of resources and security may be required.

6. As long as your account remains current and in good standing. Membership Rewards program enrolment required. Membership Rewards points redemption rates are subject to the Terms and Conditions of the Membership Rewards program and are subject to changes, with or without notice. An annual fee may apply.

7. Subject to the Terms and Conditions of the Membership Rewards Ascent program. To transfer Membership Rewards points into an airline /travel rewards or frequent guest partner program you must be enrolled in Membership Rewards Ascent and be a member of the partner program. Membership of the partner program is the Cardmembers' responsibility. Subject to the Terms and Conditions of the applicable partner program and a joining fee may apply. Award seats are not available on all routes. Please check availability with the partner prior to transferring your points. Charges/levies/taxes may apply. The redemption rate of 1 Membership Rewards point = 1 airline /travel partner point applies to all travel partners in the Membership Rewards program with the exclusion of Air New Zealand where 100 Membership Rewards points = 1 AirpointsTM dollar. The redemption of points will be administered solely by American Express. A minimum redemption amount applies. American Express holds no responsibility for flight or accommodation availability, which may be limited. This is at the sole discretion of the airline / travel and frequent guest partners.

Click here to download Insurance Terms & Conditions booklet.