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 Programme Information
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FEES
MEMBERSHIP REWARDS® SCHEDULE OF FEES (GST INCLUSIVE)
The annual fees for participation in the Membership Rewards Programme
covering all Linked Accounts are as follows:
Annual Membership Rewards fee for Gold, Personal or Small Business Charge Card and Credit Cards where applicable and unless waived or reduced by us. Where one or more of these Cards are linked, only one annual fee is payable. Annual Fee $50.00
Membership Rewards for Platinum Charge and Platinum Credit Card is complimentary. Complimentary
Annual Membership Rewards fee for Corporate Cards (cards starting with 3774 1) or Linkage Fee if linked to a Primary Card Account. Annual fee $75.00
or 10,500 points
Other Programme fees:
Membership Rewards with Turbo
Only available to Cardmembers enrolled in Turbo prior to 01 March 2010
Annual fee $99.00
(in addition to the standard annual Membership Rewards fee)
Points purchase per 1,000 Membership Rewards points for RapidRewards, refer to section 8.3 of the Membership Rewards Terms and Conditions.
Platinum Cardmembers points top up $20.00 = 1,100 points
$20.00
Transfer Fee applies per transfer of points to any airline partner programme. $35.00
Membership Rewards travel amendment fees, refer to section 9.9 of the
Membership Rewards Terms and Conditions.
$50.00
Delinquency Points Forfeiture Reinstatement Fee (Service Fee) Call Centre - $25.00 per reinstatement request
Online - $20.00 per reinstatement request
 
TRANSFER PARTNER PROGRAMMES MINIMUM POINTS
TRANSFER
Air New Zealand Airpoints 2100 points
Cathay Pacific Asia Miles 500 points
Malaysia Airlines Enrich 500 points
Qantas Frequent Flyer 500 points
Singapore Airlines KrisFlyer 500 points
Velocity Rewards 2000 points
Emirates Skywards 2000 points
Hilton HHonours® 1000 points
Starwood Preferred Guest® 1000 points
 
PAY WITH MEMBERSHIP REWARDS POINTS MINIMUM POINTS
REDEMPTION
Ticketmaster 2000 points
Webjet 10000 points
 
OTHER RATES & FEES AMERICAN EXPRESS® CREDIT CARDS
American Express Gold Credit Card*
Annual Card Fee No annual Card fee for the first year,
$90 annually thereafter
Supplementary Card Fee No annual Card fee for the first year,
$20 annually thereafter
Annual Percentage Rate 19.95% p.a. for Purchases and related fees
21.95% p.a. for Cash Advances and related fees
American Express Platinum Membership Rewards*
Annual Card Fee Annual Card fee of $325.00
Supplementary Card Fee No annual Card fee
Annual Percentage Rate 19.95% p.a. for Purchases and related fees
21.95% p.a. for Cash Advances and related fees
* Note: These are standard Annual Fees; check your Financial Table and Terms and Conditions for fees specific to your existing Card product.
 
OTHER RATES & FEES AMERICAN EXPRESS® CHARGE CARDS
American Express Personal Card*
Annual Card Fee No annual Card fee for the first year,
$55 annually thereafter
Supplementary Card Fee Annual Card fee of $40
American Express Gold Card*
Annual Card Fee No annual Card fee for the first year,
$95 annually thereafter
Supplementary Card Fee Annual Card fee of $70
American Express Platinum Card*
Annual Card Fee Annual Card fee of $1,250
Supplementary Card Fee No annual Card fee
* Note: These are standard Annual Fees; check your Financial Table and Terms and Conditions for fees specific to your existing Card product.
 
AMERICAN EXPRESS CREDIT CARDS
Miscellaneous Charges
Cash Advance Fee*
        -- per domestic transaction
        -per overseas transaction
 
$2.00
$5.00
Conversion Commission 2% of the converted amount
Late Payment Fee $25 per statement
Minimum Payment Amount $10 or 3% of the Closing Balance, whichever is greater
Dishonour Fee $25 per payment
Record of Charge Fee (Service Charge) $7.50 per copy
Statement Copy Fee (Service Charge) $5.00 per statement
Overseas Mailing Fee $5.00 per year
Telecom Convenience Fee 2% of the Charge
* Cash Advance Fee - for Cardmembers enrolled prior to 29 December 2008 only. Cash Advance enrolments are no longer being accepted.
 
AMERICAN EXPRESS CHARGE CARDS
Miscellaneous Charges
Conversion Commission 2% of the converted amount
Late Payment Fee $20 or 3.25% of the Previous Balance, whichever is greater. Additional Late Payment Fees will be charged on any part of the Previous Balance which remains unpaid of 1.625% of the Previous Balance calculated every 15 days and charged in the next monthly statement, subject to a minimum of $20 per month.
Minimum Payment Amount The full amount is due each month, late payment will result in a Late Payment Fee
Dishonour Fee $25 per payment
Record of Charge Fee (Service Charge) $7.50 per copy
Statement Copy Fee (Service Charge) $5.00 per statement
Overseas Mailing Fee $5.00 per year
Telecom Convenience Fee 2% of the Charge
 
AMERICAN EXPRESS LINE OF CREDIT (CENTURION FINANCE) ACCOUNT*
(Please note that new Line of Credit Accounts are no longer being accepted)
Annual Percentage Rate (Overdraft) Standard Rate (with O/D cover) 19.25%
Standard Rate 19.50%

Premium Rate 17.00%
Premium Rate (with O/D cover) 16.75%
Limit Increase Facility Fee
(As of 01 May 2008, this fee is no longer applicable)
A facility fee of 1% over the minimum limit offered ($3,000 on Personal Cards and $5,000 on Gold Cards) is charged annually on a semi-annual basis
* For Terms and Conditions: http://www.americanexpress.com/newzealand/personal/cards/benefits/loc_terms.shtml
  • All information is correct as at 16 February 2010 and is subject to change.
  • Annual Percentage Rate -Interest rates are expressed as an Annual Percentage Rate. Interest rates are current as of 20 April 2009 and are subject to change.
Turbo
Membership Rewards Terms and Conditions