Let’s help to keep small businesses in business

*Terms and Conditions

• Offer is limited to a maximum $50 credit per Card and $5 credit per participating Shop Small business.


• You must spend on the Card to which the offer is saved in-store or online at a participating Shop Small business:
  • For participating in-store businesses click here. Participating businesses will be highlighted with a Shop Small logo.
  • For participating online businesses click here. Excludes gift card purchases.


• Transactions processed through a third party are not eligible for the offer. For example, transactions through Food Delivery services, some online payment capabilities and marketplaces and payment processors that use card readers or QR codes.


• Credit is not redeemable for cash or other payment form.


• Credit should appear on your billing statement within 5 business days from qualifying spend but may take up to 90 days from the offer end date.


• Credit will not be applied to your Card Account if your Card has been suspended or cancelled.


• Credit may be reversed if your qualifying purchase is refunded.


• Full Offer Terms available here.

 

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1. 'Refer a Friend' Terms and Conditions:

 

American Express credit approval criteria apply. Participation in the "Refer A Friend" program is subject to eligibility deemed by American Express. All information is correct as at 1 January 2020 and is subject to change.

 

• American Express discourages spamming. By participating in ‘Refer a Friend’, you agree to these ‘Refer a Friend’ terms and conditions:
  • Only Friends & Family: You must only send referral messages to close friends and family.
  • Ask Their Permission First: You must ask the person for their permission to send them an email about your Card product. Sending emails to people without permission is considered spam.
  • Cap Referrals: If you hold a Consumer card you may only send referral messages to a maximum of 20 friends, the amount of Bonus Points you may receive under the ‘Refer a Friend’ program is capped at 200,000 points per year. If you hold a Small Business Card, the amount of Bonus Points you may receive under the ‘Refer a Friend’ program is capped at 1,000,000 points per year.


• Your friend must apply from the referral link we have given you. If your friend applies from a separate link or applies independently (i.e. if they visit www.americanexpress.com.au directly) you will not receive your points.


• You must not market or promote this offer through paid advertising channels or to the public at large (i.e. on public blog sites, search engines or in sponsored ads).


• You will only receive points if your friend’s Card application is approved (in accordance with our usual Card application processes and assessments). Note: We will not tell you if your friend’s Card application is approved or declined for privacy and confidentiality reasons.


• You cannot refer a friend who already has one of our cards or has held one in the last 18 months.


• You must be enrolled in a Rewards program to receive Bonus Points. Bonus Points refer to Qantas Points if you are enrolled in Qantas Direct or Qantas Frequent Flyer, Velocity Points if you are enrolled in Velocity Frequent Flyer and Membership Rewards Points if you are enrolled in Membership Rewards.


• It may take 8 to 10 weeks to be credited Bonus Points if you are successful.