The American Express^® Business Card

American Express credit approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 1 August 2012 and is subject to change. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited.

1. No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit records, and financial resources known to us.
   
   
2. Subject to the Terms and Conditions of the Membership Rewards program of which you are actively enrolled in. Spending at restaurants, airlines and accommodation will only be eligible for increased Membership Rewards points where they are categorised as such in the American Express Merchant Acceptance system.For example, dining within a retail department store, hotels, pubs and liquor outlets may not be eligible to receive the additional points for restaurants.Spend on airlines or accommodation is eligible for the additional points when paid directly to the merchant or through a travel agent. Membership Rewards points are awarded on the $AU equivalent amount of the spend in foreign currency. Except for spend in foreign currency, purchases at these merchants are only eligible for additional points if the transactions are made in Australia. You will earn 0.5 Membership Rewards point per $1 spend at participating merchants classified as; "utilities" including gas, water and electricity providers; "government" including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies; and "insurance" excluding insurances offered by American Express. Purchases at these merchants are only eligible for additional points if the transactions are made in Australia. There is no expiry date for points earned while in the program so long as you are an American Express Cardmember enrolled in Membership Rewards, and your account is kept in good standing and is not overdue.
   
   
3. Depending on when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your account from your previous statement period.
   
   
4. Transactions with GST itemisation on American Express Business Card statements can act as proof of purchase for taxation purposes, and may substitute for a tax invoice when claiming input tax credits. However, original tax invoice retention is required where the merchant is classified as a Mixed Supply merchant.
   
   
5. As long as your account remains current and in good standing.
   
   
6. Subject to the Terms and Conditions of the Membership Rewards program available here. To transfer Membership Rewards points into an airline 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 Card members' responsibility and is subject to the Terms and Conditions of the applicable program. 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 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 and hotel partners.
   
   
7. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of three months from the date of issue, unless otherwise stated. Normal retailer Gift Card and voucher conditions apply.
   
   
8. Subject to the Terms and Conditions of the American Express Membership Rewards program. Partner Terms and Conditions apply. Available to Australian enrollees who reside in Australia only. A minimum of 7,500 points must be redeemed at any one time. Copyright Webjet Marketing Pty. Ltd. ACN. 063 430 848, ABN. 8406 3430 848. Part of the Webjet Limited Group. Travel Agent Licence No. 32282.
   
   
9. Travelscene Pty. Ltd. Licence No. NSW 2TA003629, VIC 32089, SA TTA163633, QLD 1431, WA 9TA974. Harvey World Travel Franchises Pty. Ltd. Licence Nos: ACT: TC373, NSW/WA: 2TA5129, NT: NT001, QLD: TAG 1718, SA: TTA 165258, TAS: TAS 069, VIC: 32392. Each Travelscene American Express and some Harvey World Travel shops are independently owned and have their own travel agent’s licence. Travel Agent service charges may apply.
   
   
10. Terms and Conditions apply. Subject to the Terms and Conditions of the Membership Rewards program. Photo identification is required for redemption. Points are calculated on AUD equivalent. Redemption of foreign currency only available in American Express Foreign Exchange branches.
    
    
11. American Express Business Card Insurances are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE) and are subject to the terms, conditions and exclusions contained in the American Express Business Card insurances policy of insurance between American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313) (American Express) and ACE. This site does not take into account your objectives, financial situation or needs. It is important for you to read the Terms and Conditions available at americanexpress.com.au/businesst&cs and consider the appropriateness of that insurance in relation to your individual requirements.
    
    
12. Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Cardmember Agreement, you will not be held liable for any unauthorised charges.
    
    
13. If your Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you are not liable for any unauthorised charges.
    
    

American Express Australia Limited (ABN 92 108 952 085). ®Registered Trademark of American Express Company.