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1. Membership Rewards. Subject to the Terms and Conditions of the Membership Rewards program available at americanexpress.com/en-au/rewards/membership-rewards/terms. Government transactions will earn 1 point per dollar spent with Merchants classified as "government", including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), 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 rates at the government earn rate.  

2. Additional Cards. Additional Cards. Additional Card Members must be 16 years of age or over. Additional Card Members were previously referred to as “Supplementary Card Members”. The basic Card Member will be liable to pay for all transactions made by Additional Card Members.

3. Refer a friend. American Express discourages spamming. You should only send referral messages to friends and family who genuinely want to receive them. Subject to 'Refer a Friend' Terms and Conditions available here. In order to be eligible for bonus points, your friend must apply using the referral link you send them. If your friend applies from a separate link or applies independently you will not receive bonus points. You cannot refer a friend who already has one of our Cards or has held one in the last 18 months and you will only receive the Bonus Points if your friend's Card application is approved. You may only send referral messages to a maximum of 20 friends and the amount of Bonus Points you may receive under the ‘Refer a Friend’ program is capped at 200,000 points per year. 

4. Points transfer. This is available to primary Card Members enrolled in the Ascent, Business Ascent, Spirit, Ascent Premium and Gateway Membership Rewards program. Qantas Frequent Flyer is only available as partner in Business Ascent and Ascent Premium program. Virgin Atlantic Flying Club is not available as an Airline Transfer Partner in Gateway program. To redeem points, you must be a member of the applicable frequent traveller program. Enrolment in the partner program is solely your responsibility and fees may apply. Points transferred to Airline Transfer Partner are not reversible and is subject to the terms and conditions of the partner programs. The minimum requirement and transfer rate varies. Subject to the Membership Rewards Terms and Conditions.

5.  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 booked 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.

6. Webjet and Helloworld. 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 booked for any person, provided all your accounts are kept in good standing and are not overdue. Partner Terms and Conditions apply. Subject to the Membership Rewards Terms and Conditions and the partners' booking terms and conditions.

7. Select + Pay with Points. This is available to primary Card Members enrolled in the Membership Rewards program. A minimum of 1,000 Membership Rewards points must be redeemed at any one time. Any credit to your Card Account cannot exceed the amount of the relevant Eligible Charges or the current outstanding balance on your Account. Certain fees and charges are excluded. Points will be debited immediately and the credit can take up to 72 hours 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. Subject to the Membership Rewards Terms & Conditions at americanexpress.com/en-au/rewards/membership-rewards/terms.

8.  Shop with Points - David Jones. Subject to the terms and conditions of the American Express Membership Rewards program available at membershiprewards.com.au/termsandconditions and the David Jones Terms and Conditions available at davidjones.com.au Terms and conditions apply to all Membership Rewards redemption options and redemption is subject to availability. Subject to your Account being kept in good standing and not overdue. Only American Express Cards issued by American Express Australia Limited are eligible provided they are enrolled in the Membership Rewards program. Supplementary Card Members are not eligible for Shop with Points transactions. The Primary Card must be used to complete the transaction. Minimum redemption amounts apply. The amount of Membership Rewards points required to purchase the item(s) is subject to change at any time. For the David Jones Refund Policy please go to davidjones.com.au/return-policy or for online delivery details and prices go to davidjones.com.au/Delivery-information.

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.

Manage your Account

We've made it easy for you to manage your Account online. 

There's more to paying your bill and viewing your transactions in the Amex Mobile App¹ and Online Services. Discover Amex Offers or earn additional points for being Local Champion². 

• The American Express Mobile App
• Online Services
  

Ways to pay your bill

Once you receive your statement, you'll be able to make payments through a number of our easy and secure options. 

Register your bank details to pay by Direct Debit, through your Online Account or via the Amex Mobile App. You can also use BPAY^® or use your points³ to pay for eligible purchases.  

• Learn more about your payment options

American Express have measures in place to keep you protected so you can shop anywhere with confidence.

• Fraud Protection Guarantee⁴
• American Express SafeKey^®
• Emergency Card Replacement⁵
• Shopping and Purchase Protection⁶

Additional Cards

An Additional Card⁷ can be linked to your Card Account, to be used by family or a friend. If you’re enrolled in Membership Rewards, it’s a great way to earn more Membership Rewards points, as points earned on transactions on Additional Cards are credited to the primary Card Member’s account.

1. American Express Mobile App. To use the App, you must be registered for Online Services. You can register here or alternatively, you can reset your User ID or Password here. Local Champion full terms is available here. App Store is a service mark of Apple Inc. Android and Google Play are trademarks of Google Inc.

2. Local Champion. Qantas American Express Cards, American Express Velocity Cards and Consumer Cards enrolled in Membership Rewards are eligible. Exclusions apply. Full terms and conditions available here.

3. Select and Pay with Points. This is available to Primary Card Members enrolled in the Membership Rewards program. A minimum of 1,000 Membership Rewards points must be redeemed at any one time. Any credit to your Card Account cannot exceed the amount of the relevant Eligible Charges or the current outstanding balance on your Account. Certain fees and charges are excluded. Points will be debited immediately and the credit can take up to 72 hours 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. Subject to the Membership Rewards Terms & Conditions at membershiprewards.com.au/termsandconditions.

4. Fraud Protection Guarantee. Provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.

5. 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 363 687. 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 will not be liable for any unauthorised charges.

6. Shopping and Purchase Protection. The American Express Green Card insurance is subject to terms, conditions, exclusions and cover limitations - see the full terms and conditions available here. 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 International, Inc. (ABN 15 000 618 208, AFSL No. 237996).  Card members are not a party to the group policy, but may be able to claim under it as third party beneficiaries. This webpage 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.

7. Additional Cards. Additional Card Members must be 16 years of age or over. Additional Card Members were previously referred to as “Supplementary Card Members”. The basic Card Member will be liable to pay for all transactions made by Additional Card Members.