American Express

American Express credit approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All Interest Rates are quoted as an Annual Percentage Rate. All information is correct as at 1 February 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.

American Express Platinum Edge Credit Card

1. The 0% p.a. introductory promotional interest rate is only available on new purchases only after your application is approved. New purchases made in the subsequent six-month period from/after the first purchase on your Card will be subject to the promotional interest rate. After the six-month introductory period, the interest rate for purchases will revert to the prevailing interest rate at that time. Any balances transferred from your existing American Express Card and any cash advances are excluded from the 0%p.a introductory promotional interest rate. Interest rates are current as at 1 February 2012 and is subject to change, including changes under our Interest Rate Policy. Offer only available to new Platinum Edge Basic Credit Cardmembers who apply and are approved by 30 April 2012.
2. Offer only available to new Platinum Edge Basic Credit Card members who apply, are approved by 30 April 2012 and spend $500 in the first 2 months of Card membership. Please allow up to 8 to 10 weeks after 2 months of membership for the 20,000 Membership Bonus Points to be awarded to the Card member's account.
3. Available to Membership Rewards Ascent enrollees only. All flights are subject to availability and American Express does not guarantee that seats or tickets will be available on the dates or at the times you may wish to fly. Seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. Some flights may not have any seats available for redemption. Route availability is subject to change without notice. All travel is subject to the American Express Flight Offer Conditions available here.
4. Subject to the Terms and Conditions of the Membership Rewards program available here. Participating retailers include the following merchants who have been classified as 'major supermarkets': Bi-Lo, Flemings, Safeway, Woolworths, Coles, IGA, Franklins, Fishers, Fresh Provisions, Food For Less, Supabarn, Macro Wholefoods. Participating retailers include the following merchants who have been classified as 'major petrol stations': BP, Shell, Caltex Woolworths, 7-Eleven, Woolworths Petrol, Safeway Petrol, Peak & Gull. Exceptions may apply if an individual merchant trading as one of the above named retailers does not accept American Express as a form of payment. Purchases at major supermarket and major petrol station retailers are only eligible for additional points if the transactions are made in Australia.
5. American Express Platinum Edge Credit 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 Platinum Edge Credit Card Insurances policy of insurance between American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313) (American Express) and ACE. This 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.
6. Supplementary Credit Card members must be over 18 years of age. You will be liable for all Supplementary Credit Card spending.

American Express Platinum Reserve Credit Card

7. The 0% p.a. introductory promotional interest rate is only available on new purchases only after your application is approved. New purchases made in the subsequent six-month period from/after the first purchase on your Card will be subject to the promotional interest rate. After the six-month introductory period, the interest rate for purchases will revert to the prevailing interest rate at that time. Any balances transferred from your existing American Express Card and any cash advances are excluded from the 0%p.a introductory promotional interest rate. Interest rates are current as at 1 February 2012 and is subject to change, including changes under our Interest Rate Policy. Offer only available to new Platinum Reserve Basic Credit Cardmembers who apply and are approved by 30 April 2012
8. Subject to the Terms and Conditions of the Membership Rewards program available here. You will earn 1.5 Membership Rewards points per dollar spent up to $100,000 p.a., reverting to 1 point per dollar thereafter.
9. Offer only available to new Platinum Reserve Basic Credit Card members who apply, are approved by 30 April 2012 and spend $500 in the first 2 months of Card membership. Please allow up to 8 to 10 weeks after 2 months of membership for the 30,000 Membership Bonus Points to be awarded to the Card member's account.
10. All flights are subject to availability and American Express does not guarantee that seats or tickets will be available on the dates or at the times you may wish to fly. Seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. Some flights may not have any seats available for redemption. Route availability is subject to change without notice. All travel is subject to the American Express Flight Offer Conditions available here.
11. American Express Platinum Reserve Credit 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 Platinum Reserve Credit Card Insurances policy of insurance between American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313) (American Express) and ACE. This communication 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.
12. Supplementary Credit Card members must be over 18 years of age. You will be liable for all Supplementary Credit Card spending.

American Express Platinum Card

13. Offer only available to new Platinum Charge Card members who apply, are approved by 30 April 2012, and spend $500 in the first two months of Card membership. Please allow 8 to 10 weeks after two-month Card membership for the 75,000 Bonus Points to be awarded to your account once the spend benchmark has been met.
14. There is typically no cost for Platinum Concierge, although you are responsible for any purchase and/or shipping charges you authorise. Fees may apply for meetings and event planning.
15. All fees or amounts payable in relation to the services are inclusive of GST where applicable. All fees, taxes and charges levied by the travel providers and/or air travel suppliers still apply and these are subject to change without notice until such time as tickets are issued. Domestic ticketing includes New Zealand. 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.
16. Subject to the Terms and Conditions of the Membership Rewards program available here. Every $1 spent on your Card earns up to 1.5 Membership Rewards points up to $200,000 each year, reverting to 1 point for every dollar thereafter.
17. Qantas Frequent Flyer members only. Membership of the Qantas Frequent Flyer program is subject to the terms and conditions of the Qantas Frequent Flyer program available here. A joining fee applies. Under Membership Rewards Ascent Premium a minimum of 2,000 Membership Rewards points may be redeemed for Qantas Frequent Flyer points at any one time and must be in whole numbers. Once Membership Rewards points have been redeemed for Qantas Frequent Flyer points, they are governed by the terms and conditions of the Qantas Frequent Flyer program and cannot be reversed. Award flight availability (particularly Classic Awards) is limited particularly around peak times such as school and public holidays and other peak times.
18. 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 Premium 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
19. American Express Platinum 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 Platinum Card Insurances policy of insurance between American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313) (American Express) and ACE. This communication 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.
20. 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.