There are no pre-set spending limits1 with the American Express® Gold Card, so you have the flexibility to spend as much or as little as you wish. With great travel and shopping benefits, the Gold Card is the perfect choice for freedom, service and protection.
ApplyNow 

Be secure all the time

Get a response in just 60 seconds

Apply Now 

TheGoldCardAdd to Saved Cards

Rewards programme
Membership Rewards Ascent2
Annual Card Fee
$130 p.a
Points earn rate
1 point per $1 spent excluding utilities,
binsurance (except insurances offered by
American Express), telecommunications
providers and government bodies in Australia where you will earn 0.5 points2

Rich Rewards

Gain access to one of the leading global rewards programs, Membership Rewards gives you 1 Membership Rewards point per $1 spent excluding excluding utilities, insurance (except insurances offered by American Express), telecommunications providers and government bodies in Australia where you will earn 0.5 points2. There's no limit on the points you can earn and they won't expire, as long as your account remains current3.You will also have access to the most exceptional deals and discounts with American Express Selects™.

More financial freedom

No pre-set spending limit gives you the flexibility to spend as much as you can show you can afford to repay every month1. And because the Gold Card is a Charge Card, you have to pay your balance in full each month. This means you don't have to worry about interest rates, giving you more financial freedom.

Protection for your peace of mind

You can travel with peace of mind knowing that when you purchase your trip on your Card you and your family are covered by Overseas Travel and Accident Insurance8. And Travel Inconvenience Cover8 will cover you for flight delays, missed connections or delayed luggage. Buyer's Advantage™ extends the manufacturer's warranty by up to 12 months on eligible items purchased with your card9 plus Purchase and Refund Protection covers you for eligible items purchased with your Card8.

Please read the Terms and Conditions below

Apply Now 

A rewarding choice

Your rewards

With Membership Rewards Ascent you have the option to redeem with all the top brands, shop online for all the latest technology, gifts, homeware, wines and sporting equipment with over 1,500 options updated monthly. Shop at your favourite stores with over 50 Gift Card2 partners. You can even redeem your points to pay off the balance on your Card4.

Redeem points for travel5 instantly in-store with Travelscene American Express or Harvey World Travel or online with Webjet6 or our online travel booking service. Use them with over 1,000 travel agents and 20 hotel partners or redeem your points for foreign currency7. Or enjoy the benefits of transferring points to any of our 8 airline rewards partners and 4 leading frequent guest partner programs, giving you added flexibility and convenience2.

American Express Rewards
Apply Now 

Protection for your peace of mind

Relax in the knowledge that when you use your Gold Card, you're covered by the following benefits:

  • Overseas Travel and Accident Insurance8 covers you and your family.
  • Buyer's Advantage™ extends the manufacturer's warranty by up to 12 months on eligible items purchased with your Card9.
  • Travel Inconvenience Cover8 will cover you for flight delays, missed connections or delayed luggage.
  • Refund Protection8 means we'll credit your account if you're refused a refund on an unused eligible item within 90 days of purchase.
  • Purchase Protection8 means we'll repair or replace eligible items if they are accidentally broken or stolen within 90 days of purchase.
  • With our Online Fraud Protection Guarantee10, you won't be held responsible for any unauthorised charges online, as long as you notify us immediately.
  • Emergency Card Replacement - our global network of offices means that we can usually get a replacement Card to you virtually anywhere in the world.

If you require any additional information on the Card or assistance with your online application, please contact us on 1300 736 705, Monday to Friday 7AM - 7PM and Saturday 7AM - 5PM AEST.

American Express Protection
Apply Now 

Managing your account

Manage your account online with a host of tools and services to help you stay on top of your finances.

Stay organised

Use our online tools to view all your recent transactions, schedule payments, set up email or text message reminders for payments, and keep tabs on your Membership Rewards.

24/7 online account access

Access your account remotely from a mobile phone, laptop or desktop computer with our suite of user-friendly tools and resources. Complete control when you need it - wherever you are in the world.

Get help 24/7

If you have any queries regarding your account, just call our 24/7 global customer support hotline.

Year end summary of charges

You'll receive a summary of all your charges at the end of each year to help you with your record keeping and budgeting.

If you require any additional information on the Card or assistance with your online application, please contact us on 1300 736 705, Monday to Friday 7AM - 7PM and Saturday 7AM - 5PM AEST.

American Express Management
Apply Now 

How long will the application take?

This application will take around 10 minutes to complete if you have all your information at hand. Upon completion of the application, you can submit and your application should take 5-10 working days to process and on completion you will be contacted by post. In some instances, we may need additional information from you.

What information do I need?

In order to complete the application you will need the following information at hand.

  • Existing American Express Card number (if applicable)
  • Your driver's licence details (if you have one)
  • Your current employer's details including full address and telephone number
  • Your personal, annual, gross (pre-tax) income
  • If you are self-employed, details of your accountant

Who can apply?

In order to apply for an American Express Credit Card, you must meet the following criteria.

  • Be over 18 years of age.
  • Have a good credit history and no payment defaults.
  • Be an Australian citizen or a permanent resident.
  • Earn a personal gross (pre-tax) annual income of $50,000 or more.
  • If Self Employed you have been trading for at least 18 months or 12 months if you hold an existing American Express issued Card.

If you require any additional information on the Card or assistance with your online application, please contact us on 1300 736 705, Monday to Friday 7AM - 7PM and Saturday 7AM - 5PM AEST.

Apply Now 

American Express credit approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 01 April 2011 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. Membership Rewards enrolment required. Subject to the Terms and Conditions of the Membership Rewards program. The Membership Rewards points earn rate described is valid for this promotion only. The Membership Rewards program points earn rate is subject to change on three months notice. Visit membershiprewards.com.au/termsandconditions for more details. 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.

3. As long as your account remains current and in good standing.

4. Points may be redeemed by the Basic Cardmember for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Cardmember's other accounts with American Express are not in good standing. The redemption of Points for Credit will be administered solely by American Express within 3 business days and cannot be reversed. Redeeming Points for Credit is not available for redemption by Corporate Card accounts and is not redeemable for cash via Credit balance refund.

5. Membership Rewards enrolment is required (an annual may apply). Subject to the Terms and Conditions of the Membership Rewards program. Travel services provided by American Express International, Inc. ABN 15 000 618 208. Incorporated with limited liability in Delaware, USA. Licensed Travel Agent, 12 Shelley Street, Sydney NSW 2000. Licence No. NSW 2TA000113, ACT 212/D, QLD TAG132, VIC 30233, WA 9TA81, SA TTA 214584, TAS TAS064.

6. 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.

7. 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.

8. American Express Gold 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 Gold 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 here and consider the appropriateness of that insurance in relation to your individual requirements.

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

10. 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.

American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence No. 291313. ®Registered Trademark of American Express Company.