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Whatever your plans we can help you get there

  • $100 welcome bonus 1
  • $0 annual Card fee
  • Earn points for all spend2
  • 0% p.a. balance transfer3 for the first 12 months — A one-off credit plan establishment fee of 1% applies

Experience Gold for yourself


 Be rewarded for everyday purchases

 Be rewarded for everyday purchases



It’s easy. Choose your preferred rewards program and be rewarded for your everyday purchases – like groceries and petrol. With no cap on points and a number of ways you can use them, you’ll be spoilt for choice.

Membership Rewards Gateway

You can enrol in Membership Rewards Gateway to earn points on everyday eligible purchases.


  • Earn 1.25 points per $1 spent on all purchases (except the below)2
  • Earn 1 point per $1 spent with government bodies in Australia2

Qantas Direct

Alternatively, you can enrol in Qantas Direct for $49p.a. Points earned are automatically transferred to your Qantas Frequent Flyer account each month.


  • Earn 1.75 Qantas Points per $1 spent on selected Qantas products and services in Australia5
  • Earn 0.75 Qantas Point per $1 spent on everything else (except the below)4
  • Earn 0.5 Qantas Point per $1 spent with government bodies in Australia4

 


 0% p.a. on balance transfers3

 0% p.a. on balance transfers3

0% p.a.

A promotional balance transfer offer of 0% p.a. for the first 12 months3 to help you save on interest repayments and pay your other balances sooner. A one-off 1% credit plan establishment fee applies and you can transfer up to 70% of your approved credit limit to a maximum of $10,000. This offer is for new applicants only.

If you have a non-American Express Credit Card, enter your balance and current interest rate to see how much you can save with our balance transfer offer.

$

Up to $10,000

%

Paid currently p.a.

$
0

after 12 months*

*This is an estimate. It is provided for illustrative purposes only. Click here for full balance transfer Terms and Conditions.

Calculator Assumptions
A credit plan establishment fee (1% of approved balance transfer amount) is charged on the American Express Card. You don't make any other purchases or incur any other fees for the duration of the promotional period. Any annual Card fee is excluded from this calculation. The interest rate applying to your non-American Express credit card (from which your balance is transferring) will not change. You pay the minimum repayment of 2.5% of outstanding balance or $30 (whichever is higher) at the end of each month. 'Savings' is based on interest saved on balance transfer only. Interest is calculated assuming there are 30 days in each month. The payment due date is assumed to be 30 days after the statement issue date. When there is no interest savings or a negative interest saving after the twelve month period the calculator will display $0.00.


 The smarter way to shop

 The smarter way to shop

This American Express Card is eligible for use with Apple Pay, Samsung Pay and Google Pay.

And whether you swipe, click or tap to pay, American Express has you covered. If something you buy on your Card is stolen or breaks within 90 days, we’ll cover the cost of repair or replacement6.

Our Buyer’s Advantage6 Cover also means you’ll get an extra 12 months’ warranty on eligible items.


 

 

 


 Give your points a boost with Additional Card Members

 Give your points a boost with Additional Card Members



Earn more reward points by getting up to four Additional Cards6 for family members with no annual Card fee. Every time they make an eligible purchase, you’ll see your points balance grow.


 Accepted at more places

 Accepted at more places

American Express Cards are warmly accepted at thousands of Merchants across Australia and with big brands you spend at every day accepting your Card, your points will add up fast.

$100

welcome bonus1

$0

annual Card fee

Simply apply, be approved and spend $750 on your new Card within the first 3 months and we’ll credit your account with $1001. This offer is available to new Card Members, as well as Bank-issued American Express companion cardholders.

And as an AMA member, you won’t pay an annual Card fee.

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Why Choose American Express?

Get more
with Amex Offers

Explore the extensive range of offers, save your favourites to your Card and start saving automatically.


Learn More >

The hottest
tickets in town

Thanks to American Express Invites, you can be among the first to hear about pre-sale tickets, shows, events and competitions.




Learn More >

A helping hand

Whatever happens, whenever you’re travelling, if your Card is lost or stolen another will be arranged, usually within 48 hours7.


Learn More >

The AMA American Express Gold Credit Card

  • $100 welcome bonus1
  • $0 annual Card fee
  • Earn rewards points2,4 with your choice of rewards program

    Read the Key Facts Sheet for this Credit Card.

Terms and Conditions


American Express income and credit approval criteria apply. Subject to Terms and Conditions. Interest rates, fees and charges apply. All information is correct as at 1 December 2018 and is subject to change. Credit provided by American Express Australia Limited (ABN 92 108 952 085), Australian Credit Licence No. 291313. ® Registered Trademark of American Express Company.

This product is only available to AMA members.

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1. Offer only available to new American Express Gold Credit Card applicants who are current AMA members, apply, are approved and spend $750 on their new Card in the first 3 months from date of Card approval. Cash advances, balance transfers, charges for travellers cheques, fees and commissions are not eligible spend. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. Previous and existing bank-issued American Express companion cardholders are eligible for this offer (Cards issued by: Australia New Zealand Banking Group Limited, Commonwealth Bank of Australia, National Australia Bank, Westpac Banking Corporation). The $100 Credit will be awarded to the eligible Card Member’s Account 8-10 weeks after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. American Express may be unable to apply the Credit to the Account if it has been suspended or cancelled prior to the Credit being issued.

2. Membership Rewards Gateway enrolment required. Subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au/termsandconditions Enrolment in Membership Rewards Gateway can be cancelled at any time. You will earn 1.25 Membership Rewards point for every dollar you spend in Australia, excluding merchants classified as "government" including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies, where you will earn 1 Membership Rewards point.

3. Offer not available for Card Members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 60 day period. Balances may not be transferred from another Credit Card issued by American Express Australia Limited. The promotional balance transfer rate will be eligible for 12 months from the date the Card is approved, after which any remaining balance will revert to the standard rate of interest at that time. The credit plan establishment fee attracts the standard rate of interest. Interest free days do not apply to Balance Transfer balances, and you may be charged interest on other purchases and fees if you do not pay your Closing Balance (including any outstanding balance transfers), in full by the due date each month. We reserve the right to withdraw this offer if your account is not in good standing or we become aware of any adverse credit information. Click here for full Balance Transfer terms and conditions.

4. You must be a member of the Qantas Frequent Flyer program and have enrolled with Qantas Direct for $49 p.a. to earn Qantas Points. Qantas Points accrue in accordance with and subject to the Terms and Conditions of the Qantas Direct program for American Express Cards available at americanexpress.com.au/QDTerms Exclusions and limitations apply. Membership of the Qantas Frequent Flyer program and the earning and redemption of Qantas Points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at qantas.com/terms A joining fee may apply. Once Qantas Points have been transferred to your Qantas Frequent Flyer membership account, they are governed by the Terms and Conditions of the Qantas Frequent Flyer program and cannot be reversed. You will earn 1.75 Qantas Points for every dollar you spend in Australia on selected Qantas products and services. You will earn 0.75 Qantas Point for every dollar you spend in Australia excluding merchants classified as "government" including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies, where you will earn 0.5 Qantas Point.

5. Selected Qantas products and services are Qantas passenger flights (with a QF flight number) purchased on the Qantas merchant account i.e. directly with Qantas, Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays and Qantas branded non-airfare products. Subject to the Qantas American Express Cards Points Terms and Conditions available here.

6. Additional Card Members must be 18 years of age or over. Please note Additional Cards are referred to as Supplementary Cards in some Terms and Conditions and marketing materials. The Primary Card Member will be liable to pay for all spend made by Additional Card Members.

7. If your Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you will not be liable for any unauthorised charges.


Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.


Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd.


Google Pay and the Google Logo are trademarks of Google LLC.


American Express is committed to providing the AMA and its members with the highest level of support, including a financial contribution, which may be used towards the AMA's activities and programs. American Express will advise AMA of the names, and the members numbers, of AMA members who take up this offer, for entry into their database. The AMA privacy policy can be accessed at www.ama.com.au or by contacting AMA at 02 6270 5400. The Australian Medical Association Limited (ABN 37 008 462 793), 42 Macquarie Street, Barton ACT 2600.