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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.

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. If you pay by direct debit, your payment will be processed 10 days after your statement is issued.

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. Industry specific earn rates 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.

5G. Virgin Australia Lounge. Some Virgin Australia Lounges are currently closed, and Virgin Australia is continuing to assess their re-opening as travel restrictions ease. Please note, due to social distancing requirements, seating capacity within Virgin Australia Lounges may be limited. Visit the Virgin Australia website for up-to-date information on Virgin Australia’s Lounge network. Virgin Australia lounge entry passes are subject to the American Express Velocity Platinum Card Benefits Terms and Conditions. Two Single Entry passes to the Virgin Australia lounge will be activated on the Basic Card Member's Velocity Membership Card annually on or after each annual Card fee renewal date. Single entry passes are valid for 12 months from the date of issue. The Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airports in accordance with the Virgin Australia Lounge Terms and Conditions, and as amended from time to time.

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, commencing and ending in Australia. American Express Card Insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) ("Chubb") and are subject to the terms, conditions and exclusions contained in the American Express Card insurances policy of insurance between American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313) 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. 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.

14G. 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.

15G. Offer only available to new American Express Card Members who apply by 30 June 2021, are approved and spend $3,000 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 Bonus Velocity 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. $249 annual fee applies. Subject to the American Express Velocity Business Card Points Terms and Conditions.

16G. 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: https://centr.com/join?partner=amex. 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 (centr.com, 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 centr.com 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.