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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.

1F. 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.

2F. 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.

3F. Selected Qantas products and services are Qantas passenger flights (with a QF flight number) purchased on the Qantas merchant account i.e. directly from Qantas, and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays and Qantas branded non-airfare products. Subject to Qantas American Express Business Credit Card Points Terms and Conditions available at americanexpress.com.au/businesst&cs

4F. You must be a member of the Qantas Frequent Flyer Program to earn and redeem Qantas Points. A joining fee may apply. Membership and the earning and redemption points are subject to the Terms and Conditions of the Qantas Frequent Flyer Program available at qantas.com/terms Points are earned in accordance with and subject to the Qantas American Express Business Credit Card Points Terms and Conditions available here, and exclusions apply. Eligible purchases do not include annual fees and late payment fees - these do not earn Qantas Points. For the full list of exclusions, please refer to the Qantas American Express Business Credit Card Points Terms and Conditions available here.

5F. Insurance: The Qantas American Express Business Credit 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 Qantas American Express Business Credit Card to pay for your return trip 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.

6F. 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.

7F. 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.

8F. 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.

9F. 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.

10F. 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.

11F. As long as your Account remains current and in good standing.

12F. 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.

13F. 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.