Get to know your American Express®
Gold Business Card
Some quick links to help you get started
Some quick links to help you get started
Here’s how your Card can work for you
Here’s how your Card can work for you
Maximise your points earning potential |
Maximise your points earning potential |
As an American Express Gold Business Card Member, you’re eligible to enrol in the Membership Rewards Ascent program
and could earn points on all spend.1 Your Membership Rewards points won’t expire and there’s no limit to the number of points you can earn.2
If you haven’t enrolled in the Membership Rewards Ascent program, call 1300 363 276 (7.30am – 7pm AEST Monday to Friday).
Up to 1.5 Points per $1 spent
Earn 1.5 points for every $1 spent except spend on government where you will earn 1 point for every $1 spent.1
Put simply, you get Membership Rewards points everywhere you spend and your points earning power is unlimited.
No cap
With no cap on the number of points you can earn, you can take advantage of one of Australia’s highest Charge Card points redemption rates.
No expiry
Membership Rewards points don’t expire2, so you can use them when you’re ready – whether that’s next week, or next year.
Use points
Transfer your points to 11 Airline Partners3 including Velocity Frequent Flyer, KrisFlyer, Emirates Skyward and more.
Use points at thousands of online stores when you check out with eligible merchants with PayPal.4
Use points to help pay down the balance on your Card via a credit.5 You can also use them to cover your Card’s annual fee.
Redeem points for retail, travel and entertainment Gift Cards6, including Apple, JB Hi-Fi, and Accor Hotels.
Shop online with your points, or a combination of points and Card payment, to purchase hundreds of top products at retailers including David Jones.7
Redeem points directly on flights, accommodation, and car rental with American Express Travel online8 booking service, Webjet and helloworld.
Transfer points to Hilton Honors3 or Marriott Bonvoy3 points for stays, upgrades and extras.10
Get even more from American Express
How else can we help?
1. Membership Rewards: Subject to the Terms and Conditions of the Membership Rewards program. Enrolment required. Fees apply. You will earn 1.5 points for every $1 spent on all spend except government where you will earn 1 point for every $1 spent. Merchants classified as "government" include the Australian Taxation Office, the Australian Postal Corporation, 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 points 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.
2. There is no expiry date for points earned while in the program so long as you are an American Express Card Member, enrolled in the program and your Account is kept in good standing and is not overdue.
3. Points transfer. Subject to the Terms and Conditions of the Membership Rewards program. To transfer Membership Rewards points to an Airline or Hotel Partner Program you must be a member of the Partner Program. Membership of the Partner Program is the Card Member’s responsibility and is subject to the Terms and Conditions of the applicable Program. A joining fee may apply.
4. Shop PayPal with Points:
Eligibility to ‘Shop PayPal with Points’:
You can use your Membership Rewards with PayPal on eligible transactions (‘Shop PayPal with Points’) if you are the Primary Card Member of an eligible American Express® Card issued by American Express Australia Limited; your Card is enrolled in an eligible Membership Rewards program; and your Card Account is in good standing (i.e., not overdue or in collections). Additional or Employee Card Members, Card Members enrolled in Qantas or Velocity Direct program, Business Ascent program or Business Card Members with spend locked to one supplier or Card Members who hold an American Express David Jones Store Card are not eligible to Shop PayPal with Points.
Using ‘Shop PayPal with Points’:
To use points through PayPal, you must first sign in to your PayPal account. Once you are signed in, you can link your eligible Card to your PayPal account. Once you have linked your Eligible Card to your PayPal account, it will appear in your PayPal wallet. Any Eligible Card that is already in your PayPal wallet is already linked. After you have linked your Eligible Card, you can view your Membership Rewards point balance and its associated dollar value for use on PayPal. At checkout, select and confirm the Membership Rewards option and enter the dollar amount you would like applied as a statement credit toward your associated purchase. This dollar amount cannot be higher than the amount of available points displayed to you. You may edit your selection before completing your associated purchase. You will then be charged the full dollar amount to your selected American Express Card and will receive a Statement Credit in exchange for your points redemption. The credit will be posted to your American Express account within 2 to 4 days. Depending on when your next Card statement is due, the statement credit may not appear until your next statement period.
New PayPal Account
After you create a new account at Paypal.com/au and link your Eligible Card, you will automatically be shown the available point balance and its associated dollar value for use through PayPal. During checkout, check the “Use Membership Rewards® points for a statement credit” box, confirm the dollar amount of the statement credit you would like to receive, and then finalise your purchase order.
Existing PayPal Account
While checking out using your existing PayPal account with your existing Eligible Card on file, you will automatically be shown the available point balance and its associated dollar value for use. During checkout, check the “Use Membership Rewards points for a statement credit” box, confirm the dollar amount of the statement credit you would like to receive, and then finalise your purchase order.
Please note that the use of Membership Rewards points will only be displayed for eligible Australian PayPal sellers. American Express and PayPal maintain the right to exclude sellers at their discretion at any time.
The minimum redemption value is 1,000 Membership Rewards points. The maximum points redemption is the lower of the total transaction value or the total points available in your Membership Rewards account. The number of rewards points needed for a statement credit may vary over time. The points required for the credit value will be displayed during the checkout process, prior to submission.
The full transaction amount will be charged and appear on your account and the credit will appear within 2 to 4 days of the charge (this may not be the full transaction amount depending on how many points you choose to redeem). The credit may not appear on the same statement as the full transaction amount is charged to, but may appear on your next statement. If this occurs, you must still pay the amount due on your statement by the due date.
Returns & Refunds
PayPal Terms and Conditions apply
We may change or suspend the Shop PayPal with Points feature for any reason and at any time without prior notice, including when a Card account is not in good standing (overdue or in collections).
5. Points for Credit: Points may be redeemed by the Basic Cardmember 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 Cardmember’s other accounts with American Express are not in good standing. The redemption of Points for Credit will be administered solely by American Express within 3 business days and cannot be reversed. Redeeming Points for Credit is not redeemable for cash via Credit balance refund.
6. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of minimum 3 years from the date of issue, unless otherwise stated. We are not responsible if any Gift Card is lost, stolen, or destroyed, or the Gift Card is used without your permission. Membership Reward terms and conditions apply. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details.
7. 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. Minimum redemption amounts apply. 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.
8.Membership Rewards Terms & Conditions: To earn or redeem Membership Rewards points, Cards must be enrolled to the American Express Membership Rewards program, and your Card Account must be in good standing.
To redeem Membership Rewards Points with American Express Travel Online, you need to have available limit on your Card for the full transaction amount of the booking. You will then receive a statement credit within 3 business days for your points redemption. If the credit isn’t on the same statement as the transaction, it should appear on your next statement. Please pay all amounts due each month. You will earn Membership Rewards points on the full dollar amount charged to your Card.
All bookings are subject to the terms and conditions of our Membership Rewards Program. For full Terms and Conditions, please visit the Membership Rewards website.
**Amex App: The Amex App is available to download for eligible Card Accounts in Australia. To use the App, you must be registered for Online Services. Apple, the Apple logo, Touch ID, Face ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Android and Google Play are trademarks of Google Inc. The Android robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.
†Employee Cards: Subject to Terms and Conditions. Fees and charges may apply. This offer is only available to those who reside in Australia. Employee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1) Employee Card.
Discover solutions that can help control company spending and manage cash flow |
Discover solutions that can help control company spending and manage cash flow |
Benefits requiring individual enrolment
Extend your cash flow by up to 51 days
Ask for your Business Card statement to be issued the day before your regular invoices are due and your cash flow can be extended by up to 51 days. It's a simple way to extend your cash flow when paying large invoices or recurring bills every month1 – giving you more flexibility to grow your business, manage your short-term cash flow or earn interest on your funds.
Your Card also has no pre-set spending limit, giving you greater flexibility tomake larger purchases and/or supplier payments.2 If you’re planning to make a large purchase on your Card, you can also use the Check Spending Power tool once you’ve set up your Online Account.
Flexible Payment Option allows you to free up your cash flow with an instant line of credit. Instead of paying your balance in full each statement period, you can choose to pay off a portion of it, up to your FPO limit over time. Interest charges apply.3
Gain greater visibility and control when you set spending limits and lock Cards using Employee Card controls, plus earn points on your employees’ Card purchases.4
Take advantage of this fast and secure payments solution to pay virtually all of your domestic suppliers – even if they don’t accept American Express Card payments5 – and earn points too. Enrolment required.
Link your Card to accounting software
Link your Card transactions to ensure a more efficient and seamless business finance experience.
Choose from:
- Intuit Quickbooks
- MYOB
- Xero
Enrolment required.
Get even more from American Express
How else can we help?
1. Membership Rewards: Subject to the Terms and Conditions of the Membership Rewards program. Enrolment required. Fees apply. You will earn 1.5 points for every $1 spent on all spend except government where you will earn 1 point for every $1 spent. Merchants classified as "government" include the Australian Taxation Office, the Australian Postal Corporation, 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 points 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.
2. 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.
3. 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. Eligibility criteria apply.
4. Employee Cards: Subject to Terms and Conditions. Fees and charges may apply. This offer is only available to those who reside in Australia. Employee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1) Employee Card.
5. This information has been prepared without taking into account your objectives, financial situation or needs. You should read the AccessLine Terms and Conditions and consider the appropriateness of Australian domestic payments using AccessLine in relation to your individual requirements. 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. To use AccessLine, you must have an American Express Corporate Card or American Express Business Card that is registered to use the service. Terms, conditions, fees and charges apply.
**Amex App: The Amex App is available to download for eligible Card Accounts in Australia. To use the App, you must be registered for Online Services. Apple, the Apple logo, Touch ID, Face ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Android and Google Play are trademarks of Google Inc. The Android robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.
†Employee Cards: Subject to Terms and Conditions. Fees and charges may apply. This offer is only available to those who reside in Australia. Employee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1) Employee Card.
Check out travel benefits for every stage of your trip |
Check out travel benefits for every stage of your trip |
Complimentary Travel Insurance
Your American Express Gold Business Card provides you with complimentary domestic and international Travel Insurance.1
Cover is available for you, your spouse and your dependent children (25 years of age or younger), as well as all your Employee Gold Business Card Members, when you book and pay for your return trip with your Gold Business Card.
- Your Travel Insurance1 includes:
- Travel Inconvenience Cover
- Medical Emergency Expenses Cover
- Public Transport Accident Cover
- Baggage, Money and Documents Cover
- Travel Cancellation and Amendment Cover
- Personal Liability Cover
Terms, conditions and exclusions (including age limits) apply
In the event of a medical emergency
Should the unexpected occur while you’re travelling, make sure you contact Chubb Assistance as soon as practicable on 1800 950 797. Chubb Assistance will ensure you receive fast and effective treatment from a doctor who speaks your language. Your claim may be affected should you not contact us as soon as practicable.
For the full Gold Business Card Insurance Terms and Conditions, please click here.
Book a room with The Hotel Collection2 and receive special benefits, including:
Up to US$100 hotel credit on qualifying charges3
Room upgrade (if available).4
Hertz Gold Plus Rewards®
With Hertz Gold Plus Rewards® loyalty program, you’ll enjoy a range of benefits at participating locations across the world.
When you join5, you’ll receive:
Up to 15% discount on standard rates, and up to 25% off Prestige Collection vehicles
One-car-class upgrade whenever possible
Avis Preferred
With the Avis Preferred program, you’ll enjoy a range of benefits at participating locations across the world.
When you join6, you’ll receive:
One complimentary car-class upgrade, whenever possible
Increased savings on car rentals worldwide
To enjoy Hertz and Avis benefits, enrolment is required.
Get even more from American Express
How else can we help?
1. Insurance: The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Gold Business Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Gold Business Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs.
2. The Hotel Collection: Valid only for new The Hotel Collection bookings with participating providers of two or more consecutive nights made through Platinum Travel Service, Business Platinum Travel Service or Centurion Travel Service, American Express Travel office or American Express Travel Online (online bookings currently only available to Basic Card Members). Available only for the following American Express Cardmembers: Consumer and Business Gold Card Members, Consumer and Business Platinum Card® Members and Consumer Centurion® Members (“Eligible Card Members”). The term “Eligible Card Members” does not include Gold and Platinum Credit Card Members. Payment must be made in full with an American Express Card in the Eligible Card Member’s name. Eligible Card Member must travel on itinerary booked to be eligible for benefits described. Hotel nightly rates vary by property, dates, room category and occupancy. Participating providers and benefits subject to change.
3. The eligible Card Member will receive the credit as a deduction from the final hotel bill when checking out of the hotel; they will receive $1 for each eligible dollar spent up to $100 USD. Eligible spend includes dining, spa and resort activities. Eligible spend does not include charges for taxes, gratuities, fees and cost of room. Additional exclusions based on specific hotel restrictions may also apply (including without limitation purchases within the hotel that are unaffiliated and/or owned by third parties) – see hotel front desk for details. Credit must be used in conjunction with initial stay and cannot be carried over to another stay, is not redeemable for cash and expires at check-out. Credit is non-exchangeable and non-refundable and is applied in USD or equivalent in local currency based on exchange rate on day of arrival. Limit one credit per room, per stay. Three-room limit per Card Member per stay; back-to-back stays within a 24-hour period at the same property considered one stay. If an eligible Card Member cancels their room, any additional rooms will no longer qualify for benefits as the eligible Card Member must be staying at the hotel. Participating providers and benefits subject to change. Taxes, surcharges and additional fees are as supplied by the hotel at the time of reservation; however, they are subject to change and will be charged as applicable at the time of settlement of your hotel account. Note that payments made in foreign currencies will be subject to a foreign currency conversion and fee at the time of payment upon departure.
4. A one category room upgrade is based on availability and eligibility at check-in to the hotel.
5. Hertz Gold Plus Rewards®: Benefits vary by market and location of rental, and may be subject to availability. Hertz Gold Plus Rewards® enrolment is required to enjoy all benefits. Terms and Conditions apply. Visit the Hertz Gold Plus Rewards® website for full Terms and Conditions. American Express Terms and Conditions apply. American Express reserves the right to instruct Hertz to cancel your membership if you cease to be a Gold Business Card Member or your Account is not in good standing. Available for the American Express Gold Business Card Member. Payment must be made in full with an American Express Gold Business Card in the Gold Business Card Member's name. Eligible Gold Business Card Member must travel on itinerary booked to be eligible for benefits described.
6. Avis Preferred: Enrolment in the Avis Preferred program is required to receive benefits. Benefits are subject to change. All Avis Preferred Terms and Conditions apply. To view partner Terms and Conditions, visit www.avispreferred.eu. American Express Terms and Conditions apply. American Express reserves the right to instruct Avis to cancel your membership if you cease to be a Gold Card Member or if your Account is not in good standing.
**Amex App: The Amex App is available to download for eligible Card Accounts in Australia. To use the App, you must be registered for Online Services. Apple, the Apple logo, Touch ID, Face ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Android and Google Play are trademarks of Google Inc. The Android robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.
†Employee Cards: Subject to Terms and Conditions. Fees and charges may apply. This offer is only available to those who reside in Australia. Employee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1) Employee Card.
Explore the built-in benefits that come with your American Express Business Card |
Explore the built-in benefits that come with your American Express Business Card |
Benefits requiring individual enrolment
Get rewards when spending with the brands you love. Simply save the Offers you want to your Card, then purchase as normal. Finally, use the American Express app or login to your account to save the offers to your Card.
Save the benefit to your eligible Card via Amex Offers and spend with Dell Technologies online or via phone, to receive your purchase amount back as a credit, up to $75 back per redemption period. Benefit ends 31 December 20241. Exclusions apply.
Business Trends and Insights from American Express that offer insights and inspiration to help you run, grow and expand your business. Explore to learn the latest trends in business and discover valuable insights.
Enjoy some of the world’s most unforgettable entertainment and performances with American Express Experiences®. Access pre-sale tickets to your favourite artists, or the best seats in the house with American Express Reserved Seating offers.
Plus, you’ll have the chance to relax before the show in one of our dedicated exclusive Card Member lounges at Qudos Bank Arena Sydney, the First State Super Theatre in Sydney, or the Brisbane Entertainment Centre.
With our Fraud Protection Guarantee, you can use your Gold Business Card with confidence, knowing you’re protected against unauthorised purchases.2 If you notice anything unusual on your Card statement, notify us straight away and you’ll be covered for any unauthorised purchases.
Contact us on 1300 366 549
Get even more from American Express
How else can we help?
1. American Express Gold Business Card Dell Technologies Credit
• The redemption periods are between 18 January 2022 - 30 June 2022, 1 July 2022 - 31 December 2022, 1 January 2023 - 30 June 2023, 1 July 2023 - 31 December 2023, 1 January 2024 - 30 June 2024 and between 1 July 2024 - 31 December 2024.
• Benefit is limited to one credit of up to $75 each redemption period, per Card Account.
• Your Card must be charged prior to the end of each redemption period to be eligible for the credit in the redemption period.
• 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 save the Benefit to the Card.
• Benefit limited to the Card Account to which the offer is saved and only spend on this Card Account counts towards the benefit.
• Excludes transactions where you do not spend directly on the Card Account to which the offer is saved, at www.dell.com.au or by phone on 1800 880 855. Offer valid at Australian website and phone orders only.
• A one-time enrolment is required from 18/01/2022 and Card Members will automatically be enrolled for the subsequent redemption periods from their enrolment date. The final date to enrol and spend is 31/12/2024.
• Excludes transactions made through a third party establishment or payment processor.
• Credit is not redeemable for cash or other payment form.
• Credit should appear on your billing statement within 5 business days from qualifying spend but may take up to 90 days from the offer end date.
• Credit will not be applied to your Card Account if your Card has been suspended or cancelled.
• Credit may be reversed if your qualifying purchase is refunded or cancelled.
• Full Offer Terms available here.
2. 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
**Amex App: The Amex App is available to download for eligible Card Accounts in Australia. To use the App, you must be registered for Online Services. Apple, the Apple logo, Touch ID, Face ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Android and Google Play are trademarks of Google Inc. The Android robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.
†Employee Cards: Subject to Terms and Conditions. Fees and charges may apply. This offer is only available to those who reside in Australia. Employee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1) Employee Card.
Manage your account with simple, straightforward tools |
Manage your account with simple, straightforward tools |
Ready to take advantage of everything your Card has to offer? Activate it in just a few clicks.
Lost Card? No worries. Just inform us as soon as possible to get a replacement Card within 2 business days at no extra cost1 – and we can instantly replace your Card on your mobile wallet if you already have this provisioned on your phone.
Call 1300 366 549 from Australia or +612 9271 8666 from overseas.
Create your account, pay your bill, view and manage Employee Cards, check your points balance, and more – all from one convenient place.
With American Express, you can make Card payments on any device using Apple Pay®, Samsung Pay® or Google Pay®.2 You’ll also continue to enjoy all the rewards and benefits of your American Express Membership when paying with your mobile wallet in-store and online.
Get even more from American Express
How else can we help?
1. 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 1300 366 549. Once you have notified us, you are not liable for any unauthorised charges.
2. 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.
3. By agreeing to receive statements online, you must register for online services and you understand you will not receive paper statements by mail. You must check your nominated email address regularly as you will be notified at your nominated email address when your online statement is available to view. You can elect to change this nomination or your email address at any time by changing your preferences in your Online Services Account or by notifying us on 1300 366 549.
**Amex App: The Amex App is available to download for eligible Card Accounts in Australia. To use the App, you must be registered for Online Services. Apple, the Apple logo, Touch ID, Face ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Android and Google Play are trademarks of Google Inc. The Android robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.
†Employee Cards: Subject to Terms and Conditions. Fees and charges may apply. This offer is only available to those who reside in Australia. Employee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1) Employee Card.
American Express®
Gold Business Card
Earn up to 1.5 Membership Rewards point for every $1 spent1
Up to 51 days to pay for purchases2
Pay over time with Flexible Payment Option3
Pay suppliers with AccessLine® – even if they don’t accept Card payments4
Add up to 99 Employee Cards5
Explore your
American Express®
Gold Business
Card Membership benefits.
Maximise your points earning potential.
As an American Express Gold Business Card Member, you’re eligible to enrol in the Membership Rewards Ascent program and could earn points on all spend.1
Your Membership Rewards points won’t expire and there’s no limit to the number of points you can earn.6
If you haven’t enrolled in the Membership Rewards Ascent program, call 1300 363 276 (7.30am – 7pm AEST Monday to Friday).
Earn
Earn 1.5 points for every $1 spent except spend on government where you will earn 1 point for every $1 spent.1
Plus, the Membership Rewards earn rate for FX International Payments (FXIP) is 1 point for every $15 transferred.11
Put simply, you get Membership Rewards points everywhere you spend and your points earning power is unlimited.
Redeem
Transfer your points to 9 Airline Partners7 including Velocity Frequent Flyer, KrisFlyer, Emirates Skyward and more as well as 2 Hotel Partners7, Hotel, Hilton Honors and Marriott BonvoyTM.
You can even use points to shop online at David Jones8 or redeem for Gift Cards9 with our retail and entertainment partners, or pay down the balance on your Card.10
Transfer your points to 9 Airline Partners
The sky's the limit when it comes to where your points can take you.
Simply transfer your points to your preferred Airline Partner7 and book your flights from there. Remember, you need to have a Frequent Flyer Account to be able to transfer points to your chosen airline.7
Choose from:
- Air New Zealand AirpointsTM
- Cathay Pacific Asia MilesTM
- Emirates Skywards
- Etihad Guest
- Malaysia Airlines Enrich
- Singapore Airlines KrisFlyer
- THAI Royal Orchid Plus
- Virgin Australia Velocity Frequent Flyer
- Virgin Atlantic Flying Club
Transfer points to Hilton Honors and Marriott Bonvoy™
Use your Membership Rewards points for hotel stays at Hilton Honors or Marriott Bonvoy™.
Hilton Honors
Hilton Honors points can be used for a wide variety of rewards in the Hilton Honors program, including free hotel nights, dream vacation packages, relaxing cruises or merchandise from an array of premier retailers.7
Marriott Bonvoy™
Marriott Bonvoy™ offers you the best rates at over 860 esteemed hotels. These include: Sheraton® Hotels and Resorts, Four Points® by Sheraton, W® Hotels, Le Méridien® and more, with no blockouts.7
American Express Travel Online
With American Express Travel Online you can use points to book your next trip and enjoy no blockout dates, no booking fees, and exceptional service every step of the way.12
With over 30 airline partners, odds are, you’ll be able to fly your favourite. Plus, our partnership with Webjet means you can use your Membership Rewards points to pay when booking online.13
If you prefer to book and plan your trip in person, visit your local Helloworld Travel branch and book your next trip using points or a combination of points and payment.13
Give friends and family the gift of choice
Shop online at David Jones or redeem for Gift Cards.
David Jones
You can shop online at David Jones8 with your points, or a combination of points and Card payment, for everything from fashion and beauty to homewares.
Gift Cards
Discover more ways to enjoy your Membership Rewards points by redeeming Gift Cards9 of your choice from the American Express Gift Card collection. Choose from our wide selection of retail, travel and entertainment Gift Cards including Westfield, iTunes, Coles Group & Myer, The Restaurant Choice, Spa Finder and more.
Pay down the balance on your Card
Points for Credit
Use points to pay down the balance on your Card.10
Select + Pay with points
You can use points from your available balance to pay for one or more eligible transactions on your statement and the credit will be applied to your account.14
More from American Express®
Pay local and international suppliers – even if they don’t accept Card payments.4
Roll over purchases and grow your business without shrinking your cash flow.3
Get greater transparency over business spend and earn more points as you do.5
1. Membership Rewards: Subject to the Terms and Conditions of the Membership Rewards program. Enrolment required. Fees apply. You will earn 1.5 points for every $1 spent on all spend except government where you will earn 1 point for every $1 spent. Merchants classified as "government" include the Australian Taxation Office, the Australian Postal Corporation, 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 points 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.
2. Up to 51 days cash flow: 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.
3. 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. Eligibility criteria applies.
4. 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 885 749. 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.
5. 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.
6. As long as your Account remains current and in good standing.
7. Points transfer. Subject to the Terms and Conditions of the Membership Rewards program. To transfer Membership Rewards points to an Airline or Hotel Partner Program you must be a member of the Partner Program. Membership of the Partner Program is the Card Member’s responsibility and is subject to the Terms and Conditions of the applicable Program. A joining fee may apply.
8. 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. Minimum redemption amounts apply. 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.
9. Gift Cards. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details. Minimum redemption amounts apply.
10. Points for Credit. Points may be redeemed by the Card Member for a credit on the Card Account. 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. The redemption of Points for Credit will be administered solely by American Express within three business days and cannot be reversed. Redeeming Points for Credit is not redeemable for cash via Credit balance refund. 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. Minimum redemption amounts apply.
11. FXIP Service 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. FXIP transactions are excluded from the standard MR earn rate as per the Membership Rewards Terms and Conditions.
12. 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. All travel bookings are subject to availability. Subject to the American Express Travel Online standard booking Terms and Conditions.
13. Travel Agency Partners: Minimum redemption amounts apply. You can redeem points for prepaid travel of a nominated value through Webjet.com.au and Helloworld 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. Partner Terms and Conditions apply. Subject to the Terms and Conditions of the Membership Rewards program and the Partners' booking Terms and Conditions.
14. Select + Pay with points: For each successful transaction with Select + Pay with points, points will be debited from your Membership Rewards Account and a credit placed on your Card in line with the points chosen to be used for the Eligible Charge. Minimum redemption amounts apply. Any credit to your Card Account cannot exceed the amount of the relevant Eligible Charges. A credit will appear on your statement identified as “Rewards Credit”. Points will be debited immediately, and the credit will take up to 3 business days to appear online. Credits processed after the Card Account’s statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card Account by the due date. Select + Pay with points is not available for redemption by Corporate Card Accounts and is not redeemable for cash via Credit balance refund.
Enjoy peace of mind when you travel for business.
With complimentary Travel Insurance and 24/7 support if you ever lose your Card, you can travel the world with less worry.
Complimentary Travel Insurance
Use your American Express Gold Business Card to book your trip to receive complimentary domestic and international Travel Insurance.6
Receive a replacement Card virtually anywhere in the world
If your Card is lost or stolen, we can usually get a replacement one to you within 2 business days at no extra cost.7
Call 1300 366 549 from Australia or +61 2 9271 8666 from overseas.
Your American Express Gold Business Card provides you with complimentary domestic and international Travel Insurance.6
Cover is available for you, your spouse and your dependent children (25 years of age or younger) as well as all your Employee Gold Business Card Members when you book and pay for your return trip with your Gold Business Card.
Your Travel Insurance6 includes:
- Travel Inconvenience Cover
- Medical Emergency Expenses Cover
- Public Transport Accident Cover
- Baggage, Money and Documents Cover
- Travel Cancellation and Amendment Cover
- Personal Liability Cover.
In the event of a medical emergency
Should the unexpected occur whilst you’re travelling, make sure you contact Chubb Assistance as soon as practicable on 1800 950 797. Chubb Assistance will ensure you receive fast and effective treatment from a doctor who speaks your language. Your claim may be affected should you not contact us as soon as practicable.
For the full Gold Business Card Insurance Terms and Conditions, please click here.
If your Card is lost or stolen, we can usually get a replacement one to you within 2 business days at no extra cost.7
Just make sure you inform us as soon as possible to ensure that you won't be liable for any unauthorised charges.
Call 1300 366 549 from Australia or +61 2 9271 8666 from overseas.
Benefit from instantly replacing your Card on your mobile wallet if you already have this provisioned on your phone.
Book a room with The Hotel Collection8 and receive special benefits including:
- Up to US$100 hotel credit on qualifying charges9
- Room upgrade (if available).10
With Hertz Gold Plus Rewards® loyalty program, you’ll enjoy a range of benefits at participating locations across the world.
When you join11 ,you’ll receive:
- Up to 15% discount off standard rates, and up to 25% off Prestige Collection vehicles
- One-car-class upgrade whenever possible
With the Avis Preferred program, you’ll enjoy a range of benefits at participating locations around the world.
When you join12, you’ll receive:
- One complimentary car-class upgrade, whenever possible
- Increased savings on car rentals worldwide
To enjoy Hertz and Avis benefits enrolment is required.
More from American Express®
Pay local and international suppliers – even if they don’t accept Card payments.4
Roll over purchases and grow your business without shrinking your cash flow.3
Get greater transparency over business spend and earn more points as you do.5
1. Membership Rewards: Subject to the Terms and Conditions of the Membership Rewards program. Enrolment required. Fees apply. You will earn 1.5 points for every $1 spent on all spend except government where you will earn 1 point for every $1 spent. Merchants classified as "government" include the Australian Taxation Office, the Australian Postal Corporation, 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 points 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.
2. Up to 51 days cash flow: 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.
3. 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. Eligibility criteria applies.
4. 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 885 749. 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.
5. 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.
6. Insurance: The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Gold Business Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Gold Business Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs.
This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
7. 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 1300 366 549. Once you have notified us, you are not liable for any unauthorised charges.
8. The Hotel Collection: Valid only for new The Hotel Collection bookings with participating providers of two or more consecutive nights made through Platinum Travel Service, Business Platinum Travel Service or Centurion Travel Service, American Express Travel office or American Express Travel Online (online bookings currently only available to Basic Card Members). Available only for the following American Express Cardmembers: Consumer and Business Gold Card Members, Consumer and Business Platinum Card ® Members and Consumer Centurion® Members (“Eligible Card Members”). The term “Eligible Card Members” does not include Gold and Platinum Credit Card Members. Payment must be made in full with an American Express Card in the Eligible Card Members name. Eligible Card Member must travel on itinerary booked to be eligible for benefits described. Hotel nightly rates vary by property, dates, room category and occupancy. Participating providers and benefits subject to change.
9. The eligible Card Member will receive the credit as a deduction from the final hotel bill when checking out of the hotel; they will receive $1 for each eligible dollar spent up to $100 USD. Eligible spend includes dining, spa and resort activities. Eligible spend does not include charges for taxes, gratuities, fees and cost of room. Additional exclusions based on specific hotel restrictions may also apply (including without limitation purchases within the hotel that are unaffiliated and/or owned by third parties) - see hotel front desk for details. Credit must be used in conjunction with initial stay and cannot be carried over to another stay, is not redeemable for cash and expires at check-out. Credit is non-exchangeable and non-refundable and is applied in USD or equivalent in local currency based on exchange rate on day of arrival. Limit one credit per room, per stay. Three-room limit per Card Member per stay; back-to-back stays within a 24-hour period at the same property considered one stay. If an eligible Card Member cancels their room, any additional rooms will no longer qualify for benefits as the eligible Card Member must be staying at the hotel. Participating providers and benefits subject to change. Taxes, surcharges and additional fees are as supplied by the hotel at the time of reservation; however, they are subject to change and will be charged as applicable at the time of settlement of your hotel account. Note that payments made in foreign currencies will be subject to a foreign currency conversion and fee at the time of payment upon departure. **A one category room upgrade is based on availability and eligibility at check-in to the hotel.
10. A one category room upgrade is based on availability and eligibility at check-in to the hotel.
11. Hertz Gold Plus Rewards®: Benefits vary by market and location of rental, and may be subject to availability. Hertz Gold Plus Rewards® enrolment is required to enjoy all benefits. Terms and Conditions apply. Visit the Hertz Gold Plus Rewards® website for full Terms and Conditions. American Express Terms and Conditions apply. American Express reserves the right to instruct Hertz to cancel your membership if you cease to be a Gold Business Card Member or your Account is not in good standing. Available for the American Express Gold Business Card Member. Payment must be made in full with an American Express Gold Business Card in the Gold Business Card Member's name. Eligible Gold Business Card Member must travel on itinerary booked to be eligible for benefits described.
12. Avis Preferred: Enrolment in the Avis Preferred program is required to receive benefits. Benefits are subject to change. All Avis Preferred Terms and Conditions apply. To view partner Terms and Conditions, visit www.avispreferred.eu. American Express Terms and Conditions apply. American Express reserves the right to instruct Avis to cancel your membership if you cease to be a Gold Card Member or if your Account is not in good standing.
Business made easier.
We’ve created a range of services and tools to help make doing business easier, wherever you are.
We’re here to help
Whether home or travelling abroad we’re here to help, including 24/7 Live Chat. Simply call the number on the back of your Card.
Emergency Card Replacement
If your Card is lost or stolen, we can usually get a replacement one to you within 2 business days at no extra cost.6
Call 1300 366 549 from Australia or +61 2 9271 8666 from overseas.
Manage your Card from anywhere
Because we know your time is valuable, we’ve made it easy to manage your Account online.
Additionally, with the American Express Mobile App, you can view your statements7, make payments, check your points balance, and set up Card Alerts from anywhere in the world.
- Don’t have an online Account yet?
- Create your Account or call 1300 366 549 for assistance
- Download the American Express® Mobile App
With our Fraud Protection Guarantee, you can use your Card with confidence, knowing you’re protected against unauthorised purchases.8
If you notice anything unusual on your Card statement, notify us straight away and you’ll be covered for any unauthorised purchases
Call 1300 366 549 and press Option 3.
With American Express, you can make Card payments and manage your Account on any device using Apple Pay®, Samsung Pay® or Google Pay®.
You’ll also continue to enjoy all the rewards and benefits of your American Express Membership when paying with your compatible device.
To get started, simply load your Card details to the relevant app on your mobile, and use it to pay.9
Idea Exchange
Let’s share what it means to do business
The Idea Exchange is back for – bringing new opportunities for our community of business customers to share their curiosity, smarts and success.
American Express Experiences®
Enjoy some of the world’s most unforgettable experiences with American Express Experiences®. Access pre-sale tickets to your favourite artists, or the best seats in the house with American Express Reserved Seating offers.
Plus, you’ll have the chance to relax before the show in one of our dedicated exclusive Card Member lounges at Qudos Bank Arena Sydney, the First State Super Theatre in Sydney, or the Brisbane Entertainment Centre.
Save money on some of the biggest and best brands with Amex Offers.
All you have to do is save the Offers you want to your Card, spend with that brand using your registered Card and watch the savings add up as credits on your Account.
Login to your Account online or download the American Express app to save the offers to your Card.
More from American Express®
Enrol to get up to $250 back each year with a Platinum Business Card, and up to $150 back each year with a Gold Business Card. Exclusions, T&Cs apply.
Roll over purchases and grow your business without shrinking your cash flow.3
Get greater transparency over business spend and earn more points as you do.5
1. Membership Rewards: Subject to the Terms and Conditions of the Membership Rewards program. Enrolment required. Fees apply. You will earn 1.5 points for every $1 spent on all spend except government where you will earn 1 point for every $1 spent. Merchants classified as "government" include the Australian Taxation Office, the Australian Postal Corporation, 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 points 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.
2. Up to 51 days cash flow: 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.
3. 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. Eligibility criteria applies.
4. 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 885 749. 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.
5. 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.
6. 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 1300 366 549. Once you have notified us, you are not liable for any unauthorised charges.
7. By agreeing to receive statements online, you must register for online services and you understand you will not receive paper statements by mail. You must check your nominated email address regularly as you will be notified at your nominated email address when your online statement is available to view. You can elect to change this nomination or your email address at anytime by changing your preferences in your Online Services Account or by notifying us on 1300 366 549.
8. 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
9. 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.
Flexibility to help you
grow your business.
Your American Express® Gold Business Card
also gives you access to services and tools that
help you run and grow your business.
Money back with Dell Technologies
Enrol to get up to $250 back each year with a Platinum Business Card, and up to $150 back each year with a Gold Business Card. Exclusions, T&Cs apply.
American Express AccessLine®
Make fast and secure payments to virtually all your suppliers – both domestic and international – even if they don’t accept Card payments.4
Ask for your Business Card statement to be issued the day before your regular invoices are due and your cash flow can be extended by up to 51 days.
It's a simple way to extend your cash flow on your largest invoices or recurring bills every month1 – giving you more flexibility to grow your business, manage your short-term cash flow or earn interest on your funds.
Your Card also has no pre-set spending limit, giving you greater flexibility to make larger purchases and/or supplier payments.6
If you’re planning to make a large purchase on your Card, you can also use the Check Spending Power tool once you’ve set up your Online Account.
With AccessLine, you can make fast and secure payments to virtually all your suppliers -both domestic and international – even if they don’t accept Card payments.4
What’s more you can earn American Express Membership Rewards points in the process.7
Gain greater transparency over your business spend and simplify employee expense management by adding employees to your Account.5
Plus, if you're enrolled in Membership Rewards, you'll also earn points on your Employee Card(s) spend too.7
Have you ever wished you had the cash flow to upgrade your business equipment or get a new initiative up and running? Or maybe there were discounts on bulk purchases that could save your business money?
With Flexible Payment Option on your American Express Gold Business Card Account, you have instant access to a line of credit when you need it. Interest charges apply and enrolment required.3
Because we know your time is valuable, we’ve made it easy to manage your Account online.
Additionally, with the American Express Mobile App, you can view your statements8, make payments, check your points balance, and set up Card Alerts from anywhere in the world.
- Don’t have an online Account yet?
- Create your Account or call 1300 366 549 for assistance
- Download the American Express® Mobile App
Sync your Gold Business Card transactions with MYOB to ensure a more efficient and seamless business finance experience.9
Card Members must be enrolled with MYOB for the automatic transaction data feed to take place.
For more information and to enrol your Card, please visit myob.com.au/bank-feeds
The Annual Fee may be tax deductible for your business. Please contact your tax advisor/accountant to confirm the availability of a deduction for your business.
More from American Express®
Pay local and international suppliers – even if they don’t accept Card payments.4
Roll over purchases and grow your business without shrinking your cash flow.3
Get greater transparency over business spend and earn more points as you do.5
1. Membership Rewards: Subject to the Terms and Conditions of the Membership Rewards program. Enrolment required. Fees apply. You will earn 1.5 points for every $1 spent on all spend except government where you will earn 1 point for every $1 spent. Merchants classified as "government" include the Australian Taxation Office, the Australian Postal Corporation, 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 points 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.
2. Up to 51 days cash flow: 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.
3. 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. Eligibility criteria applies.
4. 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 885 749. 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.
5. 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.
6. No preset 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.
7. The earning and redemption of Membership Rewards points is subject to the Terms and Conditions of the Membership Rewards Program. There may be taxation implications associated with your participation in the Membership Rewards Program. You are advised to consult your accountant or tax advisor to determine if there are any implications from your participation in the program.
8. Online Statements: By agreeing to receive statements online, you must register for online services and you understand you will not receive paper statements by mail. You must check your nominated email address regularly as you will be notified at your nominated email address when your online statement is available to view. You can elect to change this nomination or your email address at anytime by changing your preferences in your Online Services Account or by notifying us on 1300 366 220.
9. 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.
10. Subject to the Terms and Conditions of the Membership Rewards program. There may be taxation implications associated with your participation in the Membership Rewards Program. You are advised to consult your accountant or tax advisor to determine if there are any implications from your participation in the program.