The Gold Business Card is a charge card that does not restrict you with a pre-set spending limit. Charges are approved based on your resources and spending pattern, and because your Account is settled in full each month, you will pay no interest. You are free to spend as much as you show us you can afford to repay. Proof of resources and security may be required.

As a business owner, you can appreciate the breathing room that comes between the day you purchase an item and the day the bill is due. What if you could extend this period even further? By paying invoices with your American Express Gold Business Card you can extend your cash flow by up to 50 days. That extra time frees up your cash to invest in your business and possibly earn interest on your funds.
How does it work? Simply download the Cash Flow Planner (PDF) to learn how to maximise your cash flow with your Gold Business Card.

Extend the benefits of the Gold Business Card by requesting Supplementary Cards for employees. All points accumulated on Supplementary Cards will be credited to your Membership Rewards Account. The Supplementary Card fee is NZ$70 per Card per year.

With Membership Rewards¹, you can redeem points for a fantastic range of travel and lifestyle rewards. Flights, luxury accommodation, leading brand electronics, quality homewares - whatever your aspirations, Membership Rewards is a great way to reach them.

Monitoring business expenses each month is quick and easy. No matter what you purchase on the Gold Business Card, it is covered by one consolidated monthly statement which also displays GST separately. Supplementary Cards are also included on the same statement, with each Card's spending identified and subtotaled.

For easier reconciliation of business expenses, a comprehensive Year End Summary of Charges can be provided at no cost. This expense management tool is provided to Gold Business Cardmembers and is especially useful at tax time.
- Save time and paperwork sorting out expenses
- All expenses set out by category and in chronological order
- Choose to receive your Summary at the end of the financial year or the end of the calendar year
- For free enrolment call the Customer Service Centre toll free on 0800 656 660

Enjoy the convenience of managing your account online. You can view your latest transactions, updated every business day, download your statement, and download transactions into either a financial software application such as MYOB, Quicken or a common spreadsheet application such as MS Excel.

Global Assist is available whenever you are more than 200km from home, for no longer than 90 days, and is a free service to Gold Business Cardmembers. By calling the Global Assist hotline from virtually anywhere in the world, American Express can put you in touch with legal or medical assistance. Simply call collect on +64 9 359 1696, 24 hours a day.

The Gold Business Card offers you peace of mind when you travel overseas. If you have purchased your airline tickets using your Gold Business Card, or Membership Rewards points, you will be covered with a range of travel insurances. Plus, your spouse and dependent children up to the age of 22 are automatically covered by your policy if you have purchased their tickets using your Gold Business Card and you are travelling with them.

Some of the benefits you'll receive are:
     - Overseas medical emergency cover up to $2,500,000
     - Travel cancellation cover up to $15,000
     - Travel inconvenience including
        - Flight delay up to $400
        - Luggage delay up to $500
        - Extended luggage delay up to $1,000
        - Missed connection up to $2,000
        - Baggage money and documents cover up to $20,000
        - Personal liability cover up to $2,000,000
        - Transport accident cover up to $400,000

If a second employee must be sent to complete your business trip due to your accidental death, serious injury or serious sickness, we will pay your expenses up to $20,000 for airfares, accommodation and meal expenses, and up to $1,000 for taxi's and other essential transportation expenses.

If you are involved in a serious accident involving your loss of life or serious dismemberment while travelling for business on a 'Common Carrier Conveyance Trip' your outstanding Card account balance will be covered up to $20,000.