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Terms & Conditions

American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 25 January 2021 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.

1B. 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.

2B. Extend your cash flow by up to 51 days: Depending on your method of payment, when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your account from your previous statement period. If you pay by direct debit, your payment will be processed 10 days after your statement is issued.

3B. Membership Rewards enrolment required (an annual fee may apply). Subject to the Terms and Conditions of the Membership Rewards program available here. There may be tax implications associated with participation in the Membership Rewards program. You are advised to check with your accountant or tax adviser for further information.

4B. 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.

5B. Employee 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. Employee Card Members must be over 18 years of age. The Business, the Basic Card Member and each Employee Card Member are jointly and severally liable for all Employee Card spending. Terms and Conditions apply.

6B. Membership Rewards enrolment required (an annual fee may apply). Subject to the Terms and Conditions of the Membership Rewards program available here. Merchants classified as “government” include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. There may be tax implications associated with participation in the Membership Rewards program. You are advised to check with your accountant or tax adviser for further information.

7B. Airline Partners: This is available to primary Card Members enrolled in the Membership Rewards programs. To redeem points, you must be a member of the applicable Frequent Traveller programs. Enrolment in the Partner Program is solely your responsibility and fees may apply. Points transferred to Airline Transfer Partners are not reversible and are subject to the Terms and Conditions of the Partner Programs. The minimum requirement and transfer rate varies. Subject to the Membership Rewards Terms and Conditions.

8B. 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.

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

10B. David Jones. 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. Minimum redemption amounts apply.

11B. Insurance: The American Express Gold Business Card insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits) - see the full Terms and Conditions. You must use your American Express® Gold Business Card to pay for your return trip , commencing and ending in Australia, in order to be eligible for the travel insurance. The insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Card members are not a party to the group policy, but may be able to claim under it as third party beneficiaries. This communication does not take into account your objectives or financial situation. You should read the full Terms and Conditions to decide if this insurance meets your needs.

12B. 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.

13B. 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.

14B. 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.

15B. 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.

16B. 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.

17B. 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.

18B. 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.

19B. Gold Card Members must enrol in Hertz Club Gold Plus Rewards® in order to enjoy all benefits. Enrolment and benefits may not be available in all markets, please contact your Travel Service for more details. American Express Terms and Conditions apply. Visit the Hertz Gold Plus Rewards® website for full Terms and Conditions at American Express reserves the right to instruct Hertz to cancel your membership if you cease to be a Gold Card Member or your Account is not in good standing.

20B. With Flexible Payment Option, you will be charged interest if you do not pay your Closing Balance in full by the due date each month. Please refer to your monthly statements for the current interest rate and PDS for number of interest free days.

21B. Offer only available to new American Express Card Members who apply by 6 October 2021, are approved and spend $1,000 on their new Card in the first two (2) 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. 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 The American Express Gold Business Card has a standard annual fee of $169 and a Membership Reward fee of $80.

22B. Centr: By Chris Hemsworth – Membership benefit for Amex Card Members Offer Terms and Conditions
1. Eligibility
This benefit is available to American Express Card Members with active consumer, small business, or corporate Cards issued by American Express Australia Limited.
2. Centr: By Chris Hemsworth Membership Benefit – Terms
Receive 12 months complimentary membership of Centr: By Chris Hemsworth health and fitness App. To redeem this offer, you must subscribe to Centr using an eligible American Express Card via the following link: You must enter your card details as per the Centr app subscription process, although your card will not be charged if you are eligible for the offer. Limit of one complimentary subscription per card, and one time per Card Member during the offer period.
3. Auto-Renewal & Cancellation
Your Centr App subscription will default to automatically renew at the conclusion of the complimentary membership period, and your American Express card will be charged at the standard rates published by Centr. If you do not wish to renew, you must cancel your Centr subscription no later than 24 hours before the end of your subscription period.
4. Existing Centr Members
If you already have a Centr subscription, you will be eligible to redeem this offer upon the expiration of your current Centr membership plan between 1 March 2021 and 28 February 2022.
You will need to cancel your existing subscription on the same platform you originally purchased it (, iOS app or Android app). You will still be able to access Centr after you have set your status to cancel, until the expiration of your subscription. After the expiration of your existing subscription, log into your account via the website (offer not available via app subscriptions), when logging in with an expired subscription, you will land on the subscription purchase page, if you have an existing credit card entered, remove it, then enter your eligible American Express card. Once we detect an eligible American Express card has been entered, you will be presented with the 12 month complimentary offer to accept.
5. Centr By Chris Hemsworth Terms of Service
Centr: By Chris Hemsworth is provided by CH Digital Pty Ltd (its subsidiaries, affiliates and service providers). Your subscription and use of Centr services is governed solely by the Centr Terms of Service and Privacy Policy. American Express does not provide any part of Centr’s services and is not responsible for them in any way. Concerns or claims regarding Centr or its services should be raised directly with Centr.

23B. Shop Small
• You must spend on the Card to which the offer is saved in-store or online at a participating Shop Small business:
    • For participating in-store businesses click here. Participating businesses will be highlighted with a Shop Small Offer badge.
    • For participating online businesses click here.
• Excludes gift card purchases.
• Maximum of 40,000 extra Membership Rewards Points can be earned per Card to which the offer is saved and only spend on this Card counts towards the offer.
• Excludes transactions made through a third party establishment or payment processor.
• You must be enrolled in the relevant loyalty program and have an active loyalty account to receive the points.
• Extra Points will only be accrued for each whole dollar spent.
• Additional Cards are not eligible for this offer.
• Points are not redeemable for cash.
• Points should appear on your billing statement within 5 business days from qualifying spend but may take up to 90 days from offer end date.
• Points will not be applied to your Card Account if your Card has been suspended or cancelled.
• Points may be reversed if your qualifying purchase is refunded or cancelled.
• Full Offer Terms available here.

24B. American Express Gold Business Card Dell Technologies Credit Benefit Terms
This benefit is governed by and subject to these Dell Technologies Benefit Terms ('Benefit Terms'). By enrolling your American Express Gold Business Card account ('Card') into the Dell Technologies benefit, you agree to the Benefit Terms.
A. The Benefit
Enrol to the benefit using your eligible Card and spend at Dell Technologies online by visiting or by contacting a dedicated Dell Technologies Advisor on 1800-880-855 to receive your transaction amount back as a credit, up to $75 back per Card Account. Valid up to 2 times each year.
Limited to one credit of up to $75 each defined calendar period, per Card Account. The defined calendar periods are between 1 January and 30 June and between 1 July and 31 December. Benefit is limited to a maximum of two credits at a total of $150 each year, per Card Account.
Your Card must be charged prior to the end of each defined calendar period to be eligible for the credit in the defined calendar period.
The benefit description and Benefit Terms are displayed to you prior to enrolling into the benefit. After you enrol your Card into the benefit, you can continue to access the benefit description and Benefit Terms by visiting
B. Eligible Cards
Only the Primary Card Member can enrol the Card into the benefit. Valid for spend on any Employee Cards under the enrolled Card Account. Not all Cards are eligible for this benefit. If a Card you hold is ineligible, you will not be able to see the benefit, nor will you be able to enrol the Card in the benefit.
If you are issued with a replacement Card after enrolling the Card into the benefit and the benefit is still available, the replacement card will be automatically enrolled into the benefit.
C. Credits
Valid only on transactions made directly with Dell Technologies in Australia at or phoning a dedicated Dell Advisor on 1800-880-855. Valid on purchases at Australian website only. Not valid on purchases shipped outside of Australia. Credit should be applied to your Card Account within 5 business days after an eligible transaction is charged to your Card, however this can take up to 60 days. Credit may be reversed if the eligible transaction is subsequently returned or cancelled. If your Card is suspended or cancelled the credit will not be applied to your Card Account, even if you have met the benefit spend criteria. Credit is not redeemable for cash or other payment forms.
If American Express does not receive information that identifies your transaction as eligible for the benefit, you will not receive the credit. Transactions made using third party payment processors or payment aggregators are excluded.
D. Your Account Payments
You must continue to make all payments to your Card Account in full when they are due. If you don’t, your participation in the benefit may be cancelled and may affect your eligibility to participate in future benefits.
E. Fraud / Gaming / Glitches
American Express can suspend or cancel the benefit if any fraud or gaming by users, technical failure or any other factors outside our control impairs the integrity or proper functioning of the benefit which may result in any loss or damage to American Express. We will try to give you reasonable notice of any such incident and take reasonable steps to ensure you are not unfairly impacted if the incident is due to something we have done or failed to do.
American Express reserves the right, at its sole discretion, to disqualify you from this or future benefits, if you are suspected of fraud, gaming or are in breach of any of these Benefit Terms.
F. Changes
American Express reserves the right to vary any eligibility criteria or the Benefit Terms prior to you enrolling your eligible Card in the benefit.
G. Privacy & Security
We use your personal information such as name, account number and transaction information to manage your participation in the benefit and track your spend. We will only ever use your personal information strictly in accordance with the [American Express Online Privacy Statement].