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Terms and Conditions

*Membership Rewards enrolment required (an annual fee may apply). Subject to the Terms and Conditions of the Membership Rewards program available at  membershiprewards.com.au/termsandconditions. 20,000 Bonus Membership Rewards Points will be awarded to the eligible Card Member’s account up to 8-10 weeks following the successful approval of each Employee Card application within offer period. If the Card Member cancels their Employee Card within 3 months of approval, the bonus points will be revoked. Offer ends 31 December 2023.

1. Subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au/termsandconditions.

2. 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. Each employee is entitled to only one (1) Employee Card.

3. 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 Platinum Business Card to pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Platinum 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.

4. The Centurion Lounge Network. Platinum Card Members have unlimited complimentary access to The Centurion Lounge locations. Platinum Card Members may bring up to two (2) companions into The Centurion Lounge. Children under 2 years of age can access the lounge free of charge, provided an accompanying parent or guardian is able to produce a “lap infant” boarding pass or proof of age. To access The Centurion Lounge, the Platinum Card Member must present The Centurion Lounge agent with the following upon each visit: his or her valid Card and upon request, same-day airline ticket on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. The Centurion Lounge is a day of departure lounge. Platinum Card Members who have landed will not be able to access the lounge. Card Members with layovers or connecting flights who produce proof can access the lounge. Platinum Card Members cannot access The Centurion Lounge more than 3 hours before the scheduled departure time on their same-day, confirmed boarding pass. This does not apply to Card Members with a connecting flight. Platinum Card Members will not be compensated for changes in locations, rates or policies. Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Platinum Card Member must be 21 years of age to enter a lounge with a self-service bar, unless you are accompanied by a parent or legal guardian. Platinum Card Members are allowed access to The Centurion Lounge in all U.S. locations. American Express reserves the right to remove any person from a lounge for inappropriate behaviour or failure to adhere to lounge rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability. The Centurion Lounge hours may vary by location and are subject to change. Amenities may vary among The Centurion Lounge locations and are subject to change. In-lounge services and amenities are complimentary, however you are responsible for any purchases and/or servicing charges you authorise our Member Services Professionals to perform on your behalf. Some American Express® Cards are not eligible for all services provided by Member Services Desk. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside The Centurion Lounge. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice. International American Express Lounges. Platinum Card Members have unlimited complimentary access to American Express Lounge locations. Guest access policies vary by location and are subject to change. To access American Express Lounges, the Platinum Card Member must present the agent with the following upon each visit: his or her valid Card and upon request, same-day airline ticket on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. Platinum Card Members will not be compensated for changes in locations, rates or policies. American Express reserves the right to remove any person from a lounge for inappropriate behaviour or failure to adhere to lounge rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability. Amenities, services and hours of operation may vary among locations and are subject to change. Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Platinum Card Member must be 21 years of age to enter a lounge with a self-service bar, unless you are accompanied by a parent or legal guardian. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside American Express Lounges. Use of American Express Lounges is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice. Priority Pass: Your Priority Pass benefit will be limited to lounge access only. Non-lounge airport experiences in the form of food and beverage credits at restaurants, cafes and bars will no longer be available. From this date, to continue to enjoy access to over 1,200 lounges in 130 countries, please visit americanexpress.com.au/platinumlounges and log in for a list of available lounges. These Terms and Conditions govern Platinum Card Members' participation in and use of the Priority Pass™ program. Priority Pass is an independent airport lounge access program. At any visit to a Priority Pass lounge, you will be automatically charged the guest visit fee equal to the visit fee of the Priority Pass Standard program for each guest. By enrolling in Priority Pass, you agree that you will be responsible for any additional accompanying guest visits and that your Card will be automatically charged after you have signed for the additional guest visit and it has been reported to Priority Pass by the participating lounge. Additionally, you acknowledge and agree that American Express will verify your Card Account number and provide updated Card Account information to Priority Pass. Priority Pass will use this information to fulfil on the Priority Pass program and may use this information for communications related to the program. The Card Member must enrol into Priority Pass. Once enrolled, Platinum Card Members in good standing may access participating Priority Pass lounges by presenting their Priority Pass card and airline boarding pass. In some lounges, the Priority Pass member must be 21 years of age to enter without a parent or guardian. Priority Pass members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package and can be viewed at prioritypass.com. Upon receipt of your enrolment information, Priority Pass will send your Priority Pass card and membership package, which you should receive within 4-6 weeks. Virgin Australia Lounges. Access is complimentary for Basic Platinum Card Member and one complimentary guest only. The Basic Platinum Card Member and guest 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 Platinum Card. The Platinum Card Member and guest must present his or her valid Card and same-day boarding pass (containing your Virgin Australia Velocity Frequent Flyer number and status) to Virgin Australia lounge agents. One guest per Basic Platinum Card Member permitted. Guest must be travelling on same Virgin Australia flights and present boarding pass. All access is subject to space availability. This benefit is subject to change. Visit virginaustralia.com/lounge for full terms and conditions.

5. 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.

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 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 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. 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 363 687. If you are overseas, call us on +612 9271 8666. Once you have notified us, you are not liable for any unauthorised charges.

8. You may limit the total dollar amount that your Employee Card Member(s) can spend during each billing period on your Card Account. Employee Card Limit Management does not apply to American Express Explorer Credit Card, American Express Business Accelerator Credit Card, Qantas American Express Business Credit Card or American Express Platinum Credit Card products. Unless otherwise specified in the full Employee Card Limit Management Terms and Conditions, the maximum amount your Employee Card Member(s) can spend within a billing period will be the spending limit you assign to the Employee Card Member(s). When you initially set a spending limit for your Employee Card Member(s) or after you unlock an Employee Card, any transactions made on the Employee Card prior to setting the spending limit or unlocking the Employee Card will not be included in the spending limit you set. Please read the full Employee Card Limit Management Terms and Conditions before using the Employee Card Member Limit Management functionality.

9. A business must be a Qantas Business Rewards Member to earn Qantas Points for business. Membership and the earning of Qantas Points as a business are subject to the Qantas Business Rewards Terms and Conditions. Points are earned in accordance with and subject to the American Express Qantas Business Rewards Card Points Terms and Conditions. Your business will earn 1.25 Qantas Points per $1 of everyday spend, which does not include annual fees, late payment fee and fees and charges for foreign currencies. Your business will earn 0.5 Qantas Points per $1 spent at participating merchants classified as "utilities" including gas, water and electricity providers; "government" including the Australian Taxation Office, the Australian Postal Corporation, federal/state and local government bodies; and "insurance" excluding insurances offered by American Express. 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. Your business will earn 2 Qantas Points per $1 spent on the following Qantas Products and Services purchased on the Qantas merchant account (i.e. directly from Qantas): Qantas passenger flights (with a QF flight number), Qantas Holidays, Qantas Branded non-airfare products, and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar. For the full list of exclusions, please refer to the American Express Qantas Business Rewards Card Points Terms and Conditions. There may be tax implications associated with participation in the Rewards program. You are advised to check with your accountant or tax adviser for further information.