Once enrolled in Membership Rewards every dollar you spend on the Card earns you one Membership Rewards point towards an exciting range of rewards¹. Enrol in the Choices program for $40 p.a. or our premium Ascent program for $80 p.a.

When you travel overseas, your American Express Gold Card offers you the peace of mind of travel insurance. In fact, you and your Supplementary Cardmembers are covered regardless of whether you travel together or not - as long as your tickets are charged to your Gold Card (if you're travelling with your spouse and dependent children under the age of 23 they're also covered).

Here are just some of the benefits for which you'll be covered:

Overseas Medical Expenses and Repatriation up to $2,500,000.
Trip Cancellation up to $10,000.
Baggage up to $10,000.
Personal Liability up to $1,000,000.

Insurance services arranged through American Express International, Inc (ABN 15 000 618 208) AFS Licence No. 237996. Overseas Travel Cover is issued by ACE Insurance Limited (ABN 23 001 642 020) AFS Licence No. 239687. Subject to the terms, conditions and exclusions of the policies. Click here to view a copy of the Product Disclosure Statement.

Whether you're travelling overseas or within Australia, you will have the reassurance of this cover from American Express for those occasions when things don't go to plan. When your tickets are charged to your American Express Gold Card, you are covered if you experience a delayed flight, a missed connection or delayed luggage.

The following inconveniences are covered:

• Travel Delay — when your flight departure is delayed for 4 hours or more, your flight's cancelled, or you're denied boarding, you'll receive up to $200 for meals or hotel accommodation.
• Missed Connection — if you've missed an onward flight due to the late arrival of an incoming flight, you'll receive up to $200 for meals and hotel accommodation.
• Luggage Delay — when your luggage is delayed and not delivered within 6 hours of your arrival, you'll receive up to $500 for clothing and essential purchases.
• Extended Luggage Delay — when your luggage is delayed for 48 hours, you'll receive an additional sum of up to $500.

Insurance services arranged through American Express International, Inc (ABN 15 000 618 208) AFS Licence No. 237996. Travel Inconvenience Cover is issued by ACE Insurance Limited (ABN 23 001 642 020) AFS Licence No. 239687. Subject to the terms, conditions and exclusions of the policies. A product disclosure statement is available upon request. Click here to view a copy of the Product Disclosure Statement.

Wherever you travel, if you purchase your tickets with your American Express Card, you'll receive up to $300,000 of Transport Accident Cover, helping to provide protection against loss of life or limb when travelling with any public transport (including taxis and airport limousines).

Insurance services arranged through American Express International, Inc (ABN 15 000 618 208) AFS Licence No. 237996. Transport Accident Cover is issued by ACE Insurance Limited (ABN 23 001 642 020) AFS Licence No. 239687. Subject to the terms, conditions and exclusions of the policies. A product disclosure statement is available upon request. Click here to view a copy of the Product Disclosure Statement.

Paying for your purchases with your American Express Card makes sense, because almost anything you buy using your Card is covered by Purchase Protection, so it'll be either replaced or refunded for up to 90 days after the date of purchase if it's damaged accidentally or stolen. Good to know if your mobile phone gets taken, or you accidentally drop a piece of delicate electronic equipment the first time you take it out of the box. Because, as long as they were bought on the Card, you're covered.

Insurance services arranged through American Express International, Inc (ABN 15 000 618 208) AFS Licence No. 237996. Purchase Protection is issued by ACE Insurance Limited (ABN 23 001 642 020) AFS Licence No. 239687. Subject to the terms, conditions and exclusions of the policies. A product disclosure statement is available upon request. Click here to view a copy of the Product Disclosure Statement.

Refund Protection offers guaranteed product satisfaction on unused eligible items purchased entirely with your Card. If you try to return an unused eligible item within 90 days from the date of purchase and the establishment refuses to take it back, this cover refunds the purchase price, up to $500 per item. So if you've just got your new rug home and discovered that it doesn't match the lounge, don't worry - because we'll take it back when the store won't.

Insurance services arranged through American Express International, Inc (ABN 15 000 618 208) AFS Licence No. 237996. Refund Protection is issued by ACE Insurance Limited (ABN 23 001 642 020) AFS Licence No. 239687. Subject to the terms, conditions and exclusions of the policies. A product disclosure statement is available upon request. Click here to view a copy of the Product Disclosure Statement.

Every electrical item is a joy to have. Until it stops working. Fortunately, when you buy any electrical product in Australia for personal use and pay with your American Express Card, you're covered by Buyer's Advantage, which doubles the manufacturer's warranty for up to 12 months, as long as the item carries a manufacturer's original warranty of five years or less. And to save you from any extra hassle, there's no need to register your purchase or fill in forms to take advantage of this cover - you're automatically registered once you pay for the item with your American Express Card.

Find out more about the Buyer's Advantage program.

* Buyer's Advantage does not cover toys, electronic games, cars and other motorised vehicles.

Entertainment Advantage is a preferential booking service for American Express Cardmembers your one-stop shop for all premium theatre, concert, sporting and leisure events throughout Australia and world-wide.

MTS Online is your gateway to incredible savings on Australian and International online travel. With just a few clicks, you'll save time and money by booking accommodation, car hire, travel insurance and sightseeing online.

All the benefits of the American Express Card can be shared with your partner, your children (over 18 years old) or anyone else you nominate.

Supplementary Cards are billed directly to your Account, are itemised seperately on your Account and earn you Membership Rewards points.

Each Supplementary Card costs $65 p.a.

If you should run into trouble while travelling, one call to our free Global Assist service can put you in touch with an English speaking doctor or lawyer. The service is available 24 hours a day virtually anywhere in the world.

Global Assist is available when you are more than 200km from home, for no longer than 90 days.

Full details will be sent with your Card or are available on request by calling Customer Service.

Almost anywhere you're travelling, you'll find American Express close by. More than 1,700* locations around the world in more than 130 countries provide convenient access for assistance with:

• Lost or stolen Card replacement - usually within the next business day
• Reconfirmation of airline tickets
• Airline flight rescheduling
• Car rental reservations
• Hotel reservations
• Sightseeing arrangements
• Client Letter Service - please note letters only; no parcels and registered mail or recorded delivery accepted

For a full listing by country, visit our directory of Travel Services Locations.

* Comprises Travel and Foreign Exchange Services locations of American Express; not all services available at all locations.