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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 15 April 2019 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.

1G. 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.

2G. Extend your cash flow by up to 51 days: Depending upon 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.

3G. Velocity Points are earned in accordance with and subject to the Velocity American Express Cards Points Terms and Conditions, and exclusions apply. Eligible purchases do not include cash advances and fees and charges for foreign currencies. These do not earn Velocity Points. For the full list of exclusions, please refer to the Velocity American Express Card Points Terms and Conditions available here. The earn rate of 2 Velocity Points per $1 spent on Virgin Australia only applies to purchases made in Australia.

4G. You will earn 0.5 points per $1 spent at participating merchants classified as "government" including the Australian Taxation Office, the Australian Postal Corporation, federal/state and local government bodies.

5G. Virgin Australia Lounge Access: American Express Velocity Business Card Members receive two complimentary single entry passes every year. The Card Member must be travelling with Virgin Australia domestically. Access is to Virgin Australia-branded lounges in Australia only. Name on boarding pass must match the name on the Velocity Business Card. The Velocity Business Card Member must present his or her valid Card and same-day boarding pass (containing their Virgin Australia Velocity Frequent Flyer number and status) to Virgin Australia lounge agents. All access is subject to space availability. This benefit is subject to change. Visit virginaustralia.com/lounge for full Terms and Conditions.

6G. 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.

7G. 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 Velocity Business 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 International, Inc. (ABN 15 000 618 208, AFSL No. 237996) ("AEII") 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.

8G. 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.

9G. 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.

10G. 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.

11G. 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.

12G. 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.

13G. 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.