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American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 18 April 2018 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 (ABN 92 108 952 085). ®Registered Trademark of American Express Company.

1D. Interest rate is correct as at 5 April 2018 and is subject to change. This interest rate does not apply for Cash Advances and associated fees.

2D. The Credit Card gives you up to 55 days interest free on purchases, depending upon when you make a purchase, when your statement is issued, whether you have obtained a balance transfer and whether or not you are carrying forward a balance on your Account from your previous statement period. There are no interest free days on Cash Advances or for any purchases when you are carrying forward a balance on your account from the previous statement period.

3D. Subject to the Terms and Conditions of the Membership Rewards Gateway program available at membershiprewards.com.au Government transactions will earn 0.5 points per dollar spent with Merchants classified as; "government", including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies.

4D. Points for Credit: Points may be redeemed by the Basic Card Member for a credit on the Primary Card Account (the Card which your Membership Rewards points balance appears online). American Express may decline a Points for Credit request where the Card Account or Card Member's other Accounts with American Express are not in good standing or overdue. The redemption of points for credit will be administered solely by American Express within 3 business days and cannot be reversed. Points for Credit is not available for redemption by Corporate Card Accounts and is not redeemable for cash via Credit balance refund. A minimum of 8,000 points must be redeemed at any one time.

5D. Subject to the terms and conditions of the Membership Rewards Gateway program available at membershiprewards.com.au/termsandconditions To be eligible for the 50,000 Membership Reward Bonus Points, you must have spent $100,000 within the specified time period, paid the annual fee and minimum payment of the last Credit Card statement by the due date. The time period in which you need to spend $100,000 is 365 days from your Card approval date. Your spend cannot be carried forward to any subsequent Membership year/s. Membership Rewards Bonus Points will be awarded to the eligible Card Member's account 8-10 weeks after the spend criteria has been met.

6D. American Express Card Insurances are subject to terms, conditions and exclusions. The complimentary travel insurance cover is also subject to maximum age limits, pre-existing medical conditions and limits and is available when you use your American Express Business Explorer Credit Card to pay for return domestic or international travel. American Express Card Insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) ("Chubb") and are subject to the terms, conditions and exclusions contained in the American Express Card insurances policy of insurance between American Express Australia Limited (ABN 92 108 952 085, AFSL No 291313) (“AEAL”) of 12 Shelley Street, Sydney 2000 and Chubb. The Insurance Terms and Conditions do not take into account your objectives, financial situation or needs. Terms and Conditions are subject to change. It is important for you to read the Terms and Conditions booklet available upon request from us and consider the appropriateness of that insurance in relation to your individual requirements.

7D. Offer only available to new American Express Card Members who apply by 4th February 2019, are approved and spend $3,000 on their new Card in the first 3 months from the Card approval date. Card Members who currently hold or who have previously held any other 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. 100,000 Membership Rewards Bonus Points 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. Subject to the Terms and Conditions of the Membership Rewards program available at www.membershiprewards.com.au/termsandconditions. Introductory Membership Rewards Bonus Points may vary dependent on the time of approval.

8D. Supplementary Cards: American Express approval criteria apply. Subject to Terms and Conditions. Fees and charges apply. This offer is only available to those who reside in Australia. Supplementary Card Members must be over 18 years of age. The Business, the Basic Card Member and each Supplementary Card Member are jointly and severally liable for all Supplementary Card spending. Terms and Conditions apply.

9D. As long as your account remains current and in good standing.

10D. Subject to the Terms and Conditions of the Membership Rewards Gateway program available at membershiprewards.com.au. You must be a member of the Airline Partner Program, joining fees may apply and points transferred will be subject to the Terms and Conditions of the applicable Airline Partner Program.

11D. American Express Travel Online: You can redeem points for prepaid travel of a nominated value through American Express Travel Online with the point-of-purchase redemption capability. Travel bookings using points may be made for any person, provided all your Accounts are kept in good standing and are not overdue. Points cannot be used for Cruise Privileges bookings. All travel bookings are subject to availability. Subject to the American Express Travel Online standard booking Terms and Conditions.

12D. Subject to the Terms and Conditions of the Membership Rewards program available here and the David Jones Partner Terms and Conditions available at davidjones.com.au Only American Express Cards issued by American Express Australia Limited are eligible provided they are enrolled in the Membership Rewards program. A minimum of 3,000 points must be redeemed at any one time. If redeeming with Points + Pay, the 'pay' component of your purchase will be automatically billed to your American Express Card Account and will appear on the first billing statement following redemption. You'll earn Membership Rewards points on the 'pay' component of your purchase only.

13D. Gift Cards: Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of 12 months from the date of issue, unless otherwise stated. Normal retailer Gift Card Terms and Conditions apply. Gift Cards and Vouchers will be dispatched within 5 business days. Orders over $600 will be dispatched via Registered Post. Should you not receive your Gift Card or reward within the stated timeframe, you must advise American Express within 28 days from date of redemption. Terms and Conditions apply to all Membership Rewards redemption options and redemption is subject to availability. Subject to your Account being kept in good standing and not overdue. Minimum redemption amounts apply.

14D. Entry into The American Express Lounge is governed by the full Terms and Conditions available at amex.com.au/airportlounge. All entrants must adhere to the General Conditions of Entry. American Express Business Explorer® Card Members are entitled to a total of two (2) entries into the American Express Lounges in Australia per calendar year (1 January to 31 December). Complimentary access is available for the Card Member's children between the ages of 2-17. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member's American Express Card.

15D. Emergency Card Replacement: 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 1800 175 568. 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 are not liable for any unauthorised charges.

16D. Online Fraud Protection Guarantee: Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Member Agreement, you will not be held liable for any unauthorised charges.

17D. The information has been prepared without taking into account your objectives, financial situation or needs. You should read the PDS and consider the appropriateness of International Payments in relation to your individual requirements. Terms, conditions, fees and charges apply. For further information, please refer to the relevant PDS: Telegraphic Transfers. AccessLine is not available to individual consumers. To enrol in this service, your business will be required to complete an application, which is subject to review and approval by American Express. For a copy of the application, including terms and conditions, call 1300 855 749. Users need to have an American Express Corporate Card or American Express Business Card, an FX International Payments account and be registered to use AccessLine. International Payments are arranged through American Express International Inc. (ABN 15 000 618 208 AFSL no. 237996). Incorporated with Limited Liability in Delaware, USA.

18D. Express Cash: A fee per ATM transaction applies. A currency conversion fee is payable when a cash withdrawal is processed in a currency other than Australian dollars. A withdrawal limit may apply depending on individual financial institution ATM restrictions.

19D. MYOB Integration: MYOB bank feed is available to American Express Cards issued by American Express Australia Limited with the exception of David Jones American Express Cards and American Express Corporate Cards. The Card must be active at the time of enrolment.

20D. Mobile Wallets: Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

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

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