Understanding Amex Card
categories in Australia

1. Membership Rewards^® Program for The American Express Essential Rewards Credit Card.

Subject to the Terms and Conditions of the Membership Rewards^® program available at americanexpress.com/en-au/rewards/membership-rewards/terms.

Earn 5 points per $1 spent at restaurants, fast food outlets, cafes, bars and selected food delivery services in Australia (“Eats and Drinks”). See the list of selected food delivery services here. Earning points at this rate is dependent on how the merchant categorises their business and provide us this information (directly or through their financial institution). Locations such as a bar in an entertainment venue or a restaurant in a hotel may not be eligible for accelerated points earn. Spend through an aggregator or intermediary platform for these transactions may not be eligible for accelerated points earn. The Eats and Drinks category does not include supermarket, grocery store or catering spend.

Earn 3 points per $1 spent on eligible streaming subscriptions at selected providers in Australia. The current list of streaming services is available here. Purchases must be made directly with the merchant on our list. Spend will not be eligible for accelerated earn if the product is bundled with another product or service or billed by a third party such as a digital platform or a TV, telecommunications or internet provider. Spend through an aggregator or intermediary platform for these transactions may not be eligible for accelerated points earn.

Earn 2 points per $1 spent at selected major retailers in Australia. The following merchants have been classified as Selected Major Retailers: Amazon, Kmart, Bunnings Warehouse, Uniqlo, Myer, The Iconic, JB Hi-Fi, Harvey Norman. Purchases with these Selected Major Retailers are only eligible for additional points if the transactions are made online or in-store in Australia. Spend through an aggregator or intermediary platform for these transactions may not be eligible for accelerated points earn. The current list of selected retailers and corresponding terms and conditions are available here. The list is subject to change.

Eligible spend outside the accelerated earn rate categories will earn 1 Membership Rewards point per $1 spent.

American Express reserves the right to change this list of Eats and Drinks providers, selected food delivery services, selected streaming services and selected major retailers that earn points at an accelerated rate.

Monthly Points Threshold: You will earn points at an accelerated earn rate on spend at eligible Eats & Drinks, select food delivery services, select streaming services and selected major retailers up to a combined maximum of 10,000 points posted to your account monthly. After a total of 10,000 points is earned in a month, you will earn 1 point for every $1 regardless of credits, returns and adjustments until the threshold resets at the start of the next calendar month.

Refunds and returns: When the Basic Card Member or an Additional Card Member obtains a refund or reimbursement for items purchased on the Card or an Additional Card as applicable, Membership Rewards points will be deducted. Points are deducted based on the earn rate applicable on the day a refund or reimbursement transaction is processed.

2. Interest Rate. This interest rate does not apply for Cash Advances and associated fees.

3. Interest Free Days.
The Credit Card gives you up to 55 days interest free on purchases, depending on when you make a purchase, when your statement is issued, whether you have obtained a balance transfer and whether or not you are carrying forward a balance on your account from the previous statement period. This interest free period is not applicable where you are carrying forward a balance on your account from the previous statement period.

4. Qantas Points.
You must be a member of the Qantas Frequent Flyer program to earn and redeem points. A joining fee may apply. Membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms. Points are earned in accordance with and subject to the Qantas American Express Card Points Terms and Conditions, and exclusions apply. Eligible purchases do not include annual Card fees, cash advances, interest, fees and charges for travellers cheques and foreign currencies – these do not earn Qantas Points. For the full list of exclusions, please refer to the Qantas American Express Cards Points Terms and Conditions. You will earn 0.5 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, including where you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant.
 

5. Classic Flight Rewards. Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Seats are subject to capacity controls, availability is limited, and some flights may not have any Classic Flight Rewards available. Taxes, fees and carrier charges are payable to Qantas (excluding any amounts payable to third parties at the airport) by an Accepted Payment Card in addition to the points required on Classic Flight Reward flights. Qantas Points required and taxes, fees and carrier charges are subject to change and quoted at the time of booking. For more information, visit qantas.com/classicflightrewards.
 

6. Velocity Membership & Points.
As long as your Velocity Escape Plus Account remains current and in good standing and you must be a member of the Velocity Frequent Flyer program to earn and redeem Velocity Points. Velocity Points are earned in accordance with the American Express Velocity Cards Points Terms and Conditions available at americanexpress.com.au/VelocityPointsTerms, and are subject to the Terms and Conditions of the Velocity Frequent Flyer program available at experience.velocityfrequentflyer.com/member-support/terms-conditions. Exclusions apply. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment fees, cash advances, balance transfers, fees for traveller’s cheques and foreign currency conversion. These do not earn Velocity Points. For the full list of exclusions, please refer to the American Express Velocity Cards Points Terms and Conditions. Certain transactions will earn 0.5 points per dollar 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 payment aggregator may earn rates at the government earn rate. Velocity Points earned on Virgin Australia spend are only valid for purchases made in Australia. After a total of 12,000 Velocity Points is earned on your Velocity Escape Plus Card Account in a calendar year, your everyday purchases earn rate will change from 1 to 0.75 Velocity Points per $1 spent. Velocity Points earned on eligible Virgin Australia purchases made in Australia and the 0.5 Points per dollar on government spend, remain unchanged. The Points threshold is based on eligible Velocity Points earned during a calendar year and will be reset on 1 January each year. Velocity Points earned by all Card Members on a Card Account contribute to the 12,000 Points threshold each calendar year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.
 

7. Velocity membership and Points earn and redemption are subject to the Velocity Membership and American Express Velocity Cards Points Terms and Conditions.
 

8. The American Express^® Platinum Edge Credit Card - Membership Rewards Program.
Subject to the Terms and Conditions of the Membership Rewards program available here. The following merchants have been classified as major supermarkets: Bi-Lo, Coles, Fishers, Food For Less, Fresh Provisions, Harris Farm Markets, IGA, Macro Wholefoods, Safeway, Supabarn, Thomas Dux, Woolworths. The following merchants have been classified as major petrol stations: Ampol, BP, Caltex Woolworths, Gull, Metro, Peak, Safeway Petrol, Shell, United, Woolworths Petrol, 7 Eleven.
Exceptions may apply if an individual merchant trading as one of the above named retailers does not accept American Express as a form of payment. Purchases at major supermarket & major petrol station retailers are only eligible for additional points if the transactions are made in Australia.
Certain transactions will earn 2 points per dollar spent, including the use of foreign currency overseas and overseas online payments. Additional points for major supermakets, petrol stations and foreign currency may not 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 a major supermarket processed through a payment aggregator may not earn the additional points.
 

9. The American Express^® Platinum Edge Credit Card - Travel Credit.
If your Card has a Travel Credit benefit, the Primary Card Member is eligible for an annual Travel Credit, subject to the full Travel Credit Terms and Conditions at amex.com.au/platinumedge-travelcreditterms. The Travel Credit can be redeemed through American Express Travel Online on a single eligible travel booking by selecting the Travel Credit when you checkout. To redeem the Travel Credit, the full value of the Travel Credit (or more) must be charged to the eligible Primary Card. Eligible travel includes flights, hotels and car hire when you prepay in advance. The Travel Credit can be used for 365 days from the benefit anniversary date and cannot be used past the expiration date. To check the expiration date of your Travel Credit if you have not already redeemed it, please visit americanexpress.com.au/travel; log in and click ‘Travel Credit’. If your booking is cancelled, and your Travel Credit has already been used and associated statement credit applied to your account, you will forfeit your annual Travel Credit benefit and American Express may reverse the statement credits issued. You need to be able to spend on the Card to access the Travel Credit benefit and it should be credited to your Card Account within 3 business days but may take up to 30 days. Your account must be in good standing and you must have paid the annual fee and minimum payment by the due date. If you cancel your Card, change your rewards program or Card type, you will no longer be eligible for the Travel Credit.
 

10. The American Express^® Platinum Edge Credit Card 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 Edge Credit 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 American Express Platinum Edge Credit 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.
 

11. Membership Rewards Program.
Subject to the Terms and Conditions of the Membership Rewards program available here. You 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, including where you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant.
 

12. The American Express Explorer^® Credit Card - Travel Credit.
If your Card has a Travel Credit benefit, the Primary Card Member is eligible for an annual Travel Credit, subject to the full Travel Credit Terms and Conditions at amex.com.au/explorer-travelcreditterms. The Travel Credit can be redeemed through American Express Travel Online on a single eligible travel booking by selecting the Travel Credit when you checkout. To redeem the Travel Credit, the full value of the Travel Credit (or more) must be charged to the eligible Primary Card. Eligible travel includes flights, hotels and car hire when you prepay in advance. The Travel Credit can be used for 365 days from the benefit anniversary date and cannot be used past the expiration date. To check the expiration date of your Travel Credit if you have not already redeemed it, please visit americanexpress.com.au/travel; log in and click ‘Travel Credit’. If your booking is cancelled, and your Travel Credit has already been used and associated statement credit applied to your account, you will forfeit your annual Travel Credit benefit and American Express may reverse the statement credits issued. You need to be able to spend on the Card to access the Travel Credit benefit and it should be credited to your Card Account within 3 business days but may take up to 30 days. Your account must be in good standing and you must have paid the annual fee and minimum payment by the due date. If you cancel your Card, change your rewards program or Card type, you will no longer be eligible for the Travel Credit.
 

13. The American Express Explorer^® Credit Card 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 Explorer Credit 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 American Express Explorer Credit 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.
 

14. The Centurion^® Lounge.
Entry into The Centurion^® Lounge is governed by the full Terms and Conditions available at amex.com.au/airportlounge. All entrants must adhere to the General Conditions of Entry. American Express Explorer Card Members are entitled to a total of two (2) entries into The Centurion^® Lounges in Australia per calendar year (1 January to 31 December). Complimentary access is available for the Card Member’s children 17 years and younger. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member's American Express Card.
 

15. Qantas Club Complimentary Lounge Invitations for Qantas American Express Premium Card Members.
Provided you are a Qantas Frequent Flyer and have registered your Qantas Frequent Flyer number with your Qantas American Express Premium Card, you are eligible to receive two Qantas Club Lounge Invitations each anniversary year of your Card Membership after purchasing selected Qantas products and services using your Qantas American Express Premium Card. Selected Qantas products and services means Qantas passenger flights departing from Australia with a QF flight number purchased in Australian Dollars (AUD) directly from Qantas.com.au; Qantas Frequent Flyer and Qantas Club membership joining and/or annual fees. Subject to Qantas American Express Card Points Terms and Conditions. Once you have purchased Qantas selected products and services, please allow 2 weeks for your Complimentary Lounge Invitations to be available in your Qantas Frequent Flyer Account. Login to your Qantas Frequent Flyer Account or use the Qantas App to access your invitation, link it with an eligible Qantas or Jetstar flight booking or find out more information. Qantas Club Lounge Invitations are valid for a single visit by one guest to a Qantas Club Lounge and must be used prior to their expiry. Invitations are subject to the Qantas Complimentary Lounge Invitation Terms and Conditions and are not valid for Qantas International First Class Lounges, the Qantas Chairman’s Lounge, Qantas Domestic Business and or oneworld® alliance partner or associated lounges. Qantas Club Invitations cannot be carried forward to any subsequent year and must not be sold, they may only be transferred as allowed by Qantas. Invitations may be revoked or withheld if your Qantas American Express Premium Card account is not in good standing, if the selected Qantas products and services are refunded in full or if you have not complied with these Qantas Complimentary Lounge Invitation Terms and Conditions, the Qantas Club Lounge Entry Terms and Conditions or the Credit Card Terms and Conditions.
 

16. The American Express^® Platinum Card - Travel Credit.
If your Card has a Travel Credit benefit, the Primary Card Member is eligible for an annual Travel Credit, subject to the full Travel Credit Terms and Conditions at amex.com.au/platinumtravelcreditterms. The Travel Credit can be redeemed through American Express Travel Online on a single eligible travel booking by selecting the Travel Credit when you checkout. To redeem the Travel Credit, the full value of the Travel Credit (or more) must be charged to the eligible Primary Card. Eligible travel includes flights, hotels and car hire when you prepay in advance. The Travel Credit can be used for 365 days from the benefit anniversary date and cannot be used past the expiration date. To check the expiration date of your Travel Credit if you have not already redeemed it, please visit americanexpress.com.au/travel; log in and click ‘Travel Credit’. If your booking is cancelled, and your Travel Credit has already been used and associated statement credit applied to your account, you will forfeit your annual Travel Credit benefit and American Express may reverse the statement credits issued. You need to be able to spend on the Card to access the Travel Credit benefit and it should be credited to your Card Account within 3 business days but may take up to 30 days. Your account must be in good standing and you must have paid the annual fee and minimum payment by the due date. If you cancel your Card, change your rewards program or Card type, you will no longer be eligible for the Travel Credit.

17. Platinum Global Dining Credit

• Maximum amount back is $200 on spend at participating local restaurants (Local Dining Credit) and AUD$200 on spend at participating abroad restaurants (Abroad Dining Credit) per redemption period: Each redemption period resets on 1 January until the offer end date of 31 December 2026. The redemption periods are: 1 January – 31 December 2025 and 1 January – 31 December 2026. Spend can be in one or more transactions. You cannot carry any unused offer value from one redemption period into the next.
• Primary Card Member Only: The Benefit is only available to Primary American Express Australia Platinum Card Members using their Platinum Personal Charge Card. Transactions made with an Additional Card is not eligible for this Benefit.
• Save this Benefit First: A one-time enrolment is required. You must first save the Benefit to your Platinum Card before making your payment to qualify for the Benefit. Benefit limited to the Card to which the offer is saved and only spend on this Card counts towards the Benefit. If you use another Card to make a payment at any time, you will not be eligible for the Benefit on that Card. If you switch to a new Card product that is not eligible for this Benefit, enrolment will be removed from your Card Account. If a Card you hold is ineligible, you will not be able to see the Benefit, nor will you be able to save the Benefit to the Card. If you are no longer eligible for this Benefit due to a change in Account status, including but not limited to fraudulent flags, suspension or cancellation, it will be removed from your Account.
• Eligible Transactions: Benefit only available for dine-in services made in-person at a participating restaurant in Australia. Full participating restaurant list can be found here. Participating restaurant list subject to change without notice, please check before you dine as you won’t be eligible to receive a credit if the restaurant isn’t on the list at the time of your transaction.
• Excluded Transactions: Benefit excludes purchases of gift cards and vouchers, transactions made towards deposits charged upfront by the venue, booking, cancellation, and no-show charges, takeaway or dine-at-home services.
• Direct Payments Only: If you pay using payment processors such as QR payment or restaurant in-app purchases, you may not be eligible for the Benefit. Please request to pay at the restaurant’s designated checkout register.
• Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date of payment but may take longer. Credit(s) are not redeemable for cash or any other payment form. Credit may be reversed if your qualifying purchase is refunded or cancelled.
• Expiry or Withdrawal of Benefit: The Benefit will expire on 31 December 2026. American Express can withdraw the Benefit at any time by giving you 60 days’ notice.
• Your use of participating restaurants: Your purchase of goods and/or services from the participating brands is governed by their respective terms and conditions (including privacy policies). American Express is not responsible in any way for the goods and/or services of the participating brands. Inquiries or complaints related to the participating brands' goods and/or services should be directed to their customer service.
• Our General Offer Terms: Our General Offer Terms also apply to the Benefit and contain important additional terms.

18. The American Express Global Lounge Collection.

• The Centurion^® Lounge  
  Platinum Card Members have complimentary access to all locations of The Centurion Lounge. Gold Card and Green Card Additional Cards on your Platinum account are not eligible for complimentary access. Card Members may bring up to two (2) companions into The Centurion Lounge locations in the U.S. and select international locations as set forth on the Centurion Lounge website at thecenturionlounge.com (the “Centurion Lounge Website”). Guest access policies (including, but not limited to, guest fees and number of complimentary guests per visit) applicable to international locations of The Centurion Lounge may vary by location and are subject to change. Visit the Centurion Lounge Website to learn more about lounge locations and guest access policies applicable to international Centurion Lounge locations. For more information on the Australian Lounges access, visit americanexpress.com.au/airportlounge. All access to The Centurion Lounge is subject to space availability. To access The Centurion Lounge, Platinum Card Members must arrive within 3 hours of their departing flight (during a layover Platinum Card Members may enter The Centurion Lounge in the connecting airport at any time) and present The Centurion Lounge agent with the following upon each visit: their valid Platinum Card, a boarding pass showing a confirmed reservation for a departing flight on the same day on any carrier and a government-issued I.D. Note that select lounges allow access to Card Members with a confirmed reservation for any same-day travel (departure or arrival). Refer to the specific location’s access policy for more information. Failure to present the above documentation may result in access being denied. Card Members must be at least 18 years of age to enter without a parent or legal guardian. All Centurion Lounge visitors must be of legal drinking age in the jurisdiction where the Lounge is located to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behaviour or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Soliciting other Card Members for access into our lounge is not permissible. Hours may vary by location and are subject to change. Amenities vary among The Centurion Lounge locations and are subject to change. Card Members will not be compensated for changes in locations, rates or policies. In addition to the complimentary services and amenities in the Lounge, certain services, products or amenities may be offered for sale. You are responsible for any purchases and/or servicing charges you make in The Centurion Lounge or authorise our Member Services Professionals to make on your behalf. Services available at the Member Services Desk are based on the type of American Express Card used to enter the Lounge. American Express will not be liable for any articles lost or stolen or damages suffered by visitors to The Centurion Lounge. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with lounge access in any way or that you intend to do so, we may remove access to The Centurion Lounge from the Account. 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.
  
  
• Escape Lounges –The Centurion^® Studio Partner
  This benefit is available to Platinum Card Members. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Card Members receive complimentary access to all US locations of the Escape Lounges. Card Members may enter with up to two complimentary guests. Card Member must present his or her valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. Card Member must be at least 18 years of age to enter without a parent or legal guardian. All Escape Lounge visitors must be of legal drinking age in the jurisdiction where the Lounge is located to consume alcoholic beverages. Please drink responsibly. Card Member must adhere to all house rules of participating lounges. Card Members and their guests will receive all of the complimentary benefits and amenities afforded to the Escape Lounge customers, including access to purchase non-complimentary items. Some product features may be subject to additional charges. Escape Lounge locations are subject to change. Additional restrictions may apply.
  
  
• Delta SkyClub
  Effective January 1, 2024: Eligible Card Members travelling on a same-day Delta-operated flight with Basic Economy (E) fare tickets will not have access to the Delta Sky Club or to Grab and Go
  This benefit is available to the Platinum Card Members. Platinum Card Members must present their valid American Express Card, government-issued I.D., and boarding pass to the Delta Sky Club ambassador. Boarding pass must show a reservation for a same-day Delta-operated flight (Delta or Delta connection) departing from or arriving at the airport in which the Delta Sky Club is located. Name on boarding pass must match name on the Card. Eligible Platinum Card Members on departing flights can only access the Delta Sky Club within three hours of their flight's scheduled departure time. During a connection between Delta-operated flights on the same ticket, you may use the Delta Sky Club in your connecting airport at any time during the layover. Delta reserves the right to limit access for non-revenue flyers at any Delta Sky Club. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Access to Delta Sky Club partner lounges is not permitted. Individuals must be at least 18 years of age to access Delta Sky Club, and 21 years of age to access locations with a self-service bar, unless accompanied by a responsible, supervising adult who has access to the lounge. Eligible Card Members must adhere to all Delta Sky Club House Rules while accessing participating airport clubs. Participating airport clubs and locations subject to change without notice. Eligible Platinum Card Members may bring guests into the Delta Sky Club subject to the most current Delta Sky Club access and pricing policies, and must use their valid Platinum Card as the payment method for guest access. Guests must also be flying on a same-day Delta-operated flight. Guest access and fees subject to terms and conditions of participating airport clubs.
  For the most current Delta Sky Club access and pricing policy, please visit delta.com/skyclubaccess. All Delta Sky Club rules apply to Delta Sky Club membership and use. To review the rules, please visit delta.com/skyclub. Benefit and rules subject to change without notice. Additional restrictions may apply.
  
  
• Plaza Premium Lounges
  This benefit is available to Platinum Card Members. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Card Members receive complimentary access to any global location of Plaza Premium Lounges. Card Member must present their valid Card, a confirmed boarding pass for same-day travel on any carrier and government-issued I.D. In some cases, Card Member must be 21 years of age to enter without a parent or guardian. Card Members may bring up to two (2) guests into Plaza Premium Lounges as complimentary guests. Card Member must adhere to all house rules of participating lounges. Card Members and their guests will receive all of the complimentary benefits and amenities afforded to the Plaza Premium Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Plaza Premium Lounge locations are subject to change.
  
  
• Virgin Australia
  This benefit is available to Primary Platinum Card Members. Access is complimentary for Primary Platinum Card Members and one complimentary guest only. The Primary Platinum Card Member and guest must be travelling with Virgin Australia domestically on the same Virgin Australia flight. Access is to Virgin Australia-branded lounges at their city of departure in Australia only. The Platinum Card Member must present their valid Physical Platinum Card and same-day boarding pass to Virgin Australia lounge agents and the name on the boarding pass must match the name on the Platinum Card. The guest must also present their boarding pass. One guest per Primary Platinum Card Member permitted. All access is subject to space availability. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. This benefit is subject to change.
  
  
• Priority Pass
  For Priority Pass^™ Terms and Conditions for Platinum Business and Corporate Platinum Card Members click here.
  
  
• Priority Pass^™ - Platinum Personal Charge Card. This benefit is available to Platinum Personal Charge Card Members. Platinum Card Members and one Additional Platinum Card Member as nominated by the Primary Card Member may enrol in the Priority Pass^™ program. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Priority Pass is an independent airport lounge access program. 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 fulfill on the Priority Pass program and may use this information for marketing related to the program. Once enrolled, Platinum Card Members whose Card Account is not cancelled may access participating Priority Pass lounges by presenting your Priority Pass card and airline boarding pass. If the Card Account is cancelled, you will not be eligible for Priority Pass and your enrolment will be cancelled. At any visit to a Priority Pass lounge that admits guests, you may bring in 1 guest for no charge. You will be charged the prevailing retail rate for any additional guests. Some lounges do not admit guests. In some lounges, 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 www.prioritypass.com. Upon receipt of your enrolment information, Priority Pass will send your Priority Pass card and membership package which you should receive within 10-14 business days. If you have not received the Priority Pass card after 14 days, please contact American Express using the number on the back of your American Express^® Card. To receive immediate access to the lounges after enrolling in Priority Pass, you can activate your membership online by using your Priority Pass membership details to receive a Digital Membership Card. For a step-by-step guide on the activation process, visit prioritypass.com/activation.

• Priority Pass^™ - Platinum Business and Corporate Charge Cards. This benefit is available to Platinum Business and Corporate Charge Card Members. Platinum Card Members and one Employee Platinum Card Member as nominated by the Primary Card Member may enrol in the Priority Pass™ program. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Priority Pass is an independent airport lounge access program. 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 fulfill on the Priority Pass program and may use this information for marketing related to the program. Once enrolled, Platinum Card Members whose Card Account is not cancelled may access participating Priority Pass lounges by presenting your Priority Pass card and airline boarding pass. If the Card Account is cancelled, you will not be eligible for Priority Pass and your enrolment will be cancelled. At any visit to a Priority Pass lounge that admits guests, you will be charged the prevailing retail rate for any guests. Some lounges do not admit guests. In some lounges, 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 www.prioritypass.com. Upon receipt of your enrolment information, Priority Pass will send your Priority Pass card and membership package which you should receive within 10-14 business days. If you have not received the Priority Pass card after 14 days, please contact American Express using the number on the back of your American Express^® Card. To receive immediate access to the lounges after enrolling in Priority Pass, you can activate your membership online by using your Priority Pass membership details to receive a Digital Membership Card. For a step-by-step guide on the activation process, visit prioritypass.com/activation.

• Lufthansa
  This benefit is available to Platinum Card Members. Additional Gold Cards and Additional Green Cards on your Platinum Card Account are not eligible for complimentary access. Platinum Card Members have complimentary access to select Lufthansa Business Lounges (regardless of ticket class) and Lufthansa Senator Lounges (when flying business class) when flying on a Lufthansa Group flight. To access the Lufthansa lounges, Platinum Card Members must present their valid Platinum Card, a government issued I.D., and a same-day departure boarding pass showing confirmed reservation on a Lufthansa Group flight (Lufthansa, SWISS and Austrian airlines). Card Members must adhere to all rules of participating lounges. Participating lounges and locations subject to change without notice. Additional guest access and fees subject to terms and conditions of participating lounges. In some Lounges the Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly.
  For the most current list of Lufthansa lounges, guest access requirements, rules, and pricing policy, please visit https://www.lufthansa.com/de/en/lounges.
  
  
• Additional Global Lounge Collection Partner Lounges
  American Express offers access to additional lounges in the Global Lounge Collection where Platinum Card Members have complimentary access to participating locations. Card Members must present their valid Platinum Card, a government-issued I.D., and a boarding pass showing a confirmed reservation for same-day travel on any carrier. Guest access and associated fees are subject to the terms and conditions of the participating lounge provider. Participation, locations, rates, and policies of lounges are subject to change without notice, and Card Members and their guests will not be compensated for such changes. Amenities, services, and hours may vary by participating lounge and are subject to change without notice. American Express and the participating lounge will not be liable for any articles lost or stolen, or damages suffered by the Card Member or guests inside the participating lounge. For participating lounges with a self-service bar, the Card Member may be required to be of legal drinking age in the participating lounge jurisdiction to enter without a parent or legal guardian. All Card Members and their guests must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. Each participating lounge may have their own policy allowing for children under a certain age to enter for free with the Card Member who is a parent or legal guardian. Card Member must adhere to all house rules of participating lounges If American Express, in its sole discretion, determines that the Card Member or their guests have engaged in abuse, misuse, or gaming in connection with access to participating lounges in any way, or that the Card Member or their guests intend to do so, we may remove access to the Additional Lounges from the Account. American Express and the participating lounge reserve the right to revise the rules at any time without notice. For the most current list of participating lounges and access requirements, please use the Lounge Finder feature in the American Express App or visit www.americanexpress.com.au/platinumlounges.

19. Qantas Points.
You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership and the earning and redemption of points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at qantas.com/terms. Qantas Points and bonus Qantas Points are earned in accordance with and subject to the Qantas American Express Cards Points Terms and Conditions, and exclusions apply. Eligible purchases do not include annual Card fees, cash advances, interest, fees and charges for traveller's cheques and foreign currencies - these do not earn Qantas Points. For the full list of exclusions, please refer to the Qantas American Express Cards Points Terms and Conditions. You will earn 0.5 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, including where you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. Once you have earned a total of 100,000 Qantas Points on your Card Account in a calendar year, your earn rate of 1.25 Qantas Points per $1 spent will change to 1 Qantas Point per $1 spent on everyday purchases. All other earn rates (Qantas products and services and government spend) will remain unchanged. The points threshold is based on eligible Qantas Points earned during a calendar year and will be reset on 1 January each year. Qantas Points earned by all Card Members on a Card Account contribute to the 100,000 points threshold each calendar year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.
 

20. The Qantas American Express Ultimate Card - Travel Credit.
Qantas American Express Ultimate Primary Card Members are eligible for an annual $450 Qantas Travel Credit, subject to the full Qantas Travel Credit Terms and Conditions at amex.com.au/qantasultimate-travelcreditterms. The Qantas Travel Credit can be redeemed through American Express Travel Online on a single eligible travel booking for Qantas Flights (i.e. a QF flight number on your ticket) by selecting the Qantas Travel Credit when you checkout. All Qantas Flight travel is subject to Qantas Conditions of Carriage. To redeem the Travel Credit, the full value of the Travel Credit (or more) must be charged to the eligible Primary Card. The Qantas Travel Credit can be used for 365 days from the benefit anniversary date and cannot be used past the expiration date. To check the expiration date of your Qantas Travel Credit if you have not already redeemed it, please visit americanexpress.com.au/travel; log in and click ‘Travel Credit’. If your booking is cancelled, and your Qantas Travel Credit has already been used and associated statement credit applied to your account, you will forfeit your annual Qantas Travel Credit benefit and American Express may reverse the statement credits issued. You need to be able to spend on the Card to access the Qantas Travel Credit benefit and it should be credited to your Card Account within 3 business days but may take up to 30 days. Your account must be in good standing and you must have paid the annual fee and minimum payment by the due date. If you cancel your Card, change your rewards program or Card type, you will no longer be eligible for the Qantas Travel Credit.
 

21. Qantas Club Complimentary Lounge Invitations.
Provided you are a Qantas Frequent Flyer and have registered your Qantas Frequent Flyer number with your Qantas American Express Ultimate Card, you are eligible to receive two Qantas Club Lounge Invitations each anniversary year of your Card Membership after purchasing on selected Qantas products and services using your Qantas American Express Ultimate Card. Selected Qantas products and services are Qantas passenger flights departing from Australia with a QF flight number purchased in Australian Dollars (AUD) directly from Qantas.com.au; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. Subject to Qantas American Express Card Points Terms and Conditions. Once you have purchased Qantas selected products and services, please allow 2 weeks for your Complimentary Lounge Invitations to be available in your Qantas Frequent Flyer Account. Login to your Qantas Frequent Flyer Account or use the Qantas App to access your invitation, link it with an eligible Qantas or Jetstar flight booking or find out more information. Qantas Club Lounge Invitations are valid for a single visit by one guest to a Qantas Club Lounge and must be used prior to their expiry. Invitations are subject to the Qantas Club Terms and Conditions and are not valid for Qantas International First Class Lounges, the Qantas Chairman’s Lounge, Qantas Domestic Business and or oneworld^® alliance partner or associated lounges. Qantas Club Invitations cannot be carried forward to any subsequent year and must not be sold, they may only be transferred as allowed by Qantas. Invitations may be revoked or withheld if your Qantas American Express Ultimate Card account is not in good standing, if the selected Qantas products and services are refunded in full or if you have not complied with these Qantas Club Invitation Conditions, the Credit Card Terms and Conditions or the Qantas Club Lounge Access Terms and Conditions.
 

22. Velocity Points
As long as your Account remains current and in good standing and you must be a member of the Velocity Frequent Flyer program to earn and redeem Velocity Points. Velocity Points are earned in accordance with the American Express Velocity Cards Points Terms and Conditions available at americanexpress.com.au/VelocityPointsTerms ,and are subject to the Terms and Conditions of the Velocity Frequent Flyer program available at experience.velocityfrequentflyer.com/member-support/terms-conditions. Exclusions apply. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment fees, cash advances, balance transfers, fees for traveller’s cheques and foreign currency conversion. These do not earn Velocity Points. For the full list of exclusions, please refer to the American Express Velocity Cards Points Terms and Conditions. Certain transactions will earn 0.5 points per dollar 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 payment aggregator may earn rates at the government earn rate. Velocity Points earned on Virgin Australia spend are only valid for purchases made in Australia.
 

23. Virgin Australia Lounge Access
The American Express Velocity Platinum Card Virgin Australia Lounge Access is subject to the American Express Velocity Platinum Card Benefits Terms and Conditions. The Virgin Australia Lounge Access provides the Primary Card Member with access to Virgin Australia Lounges at Australian domestic airports whenever they are flying on a Virgin Australia operated domestic flight on the same day. American Express Velocity Platinum Primary Card Members will receive 12 months of Lounge Access on your Velocity membership. Enrol via your online American Express Account. This is your benefit anniversary date. After enrolling, activate the VA Lounge Access by making an Eligible Transaction on your American Express Velocity Platinum Card. Eligible Transaction does not include annual Card fees, cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. After 12 months, at each subsequent benefit anniversary, make an Eligible Transaction on your Velocity Platinum Card to reactivate the VA Lounge Access. Please allow up to 7 days for the benefit to be processed on to the Primary Card Member’s Velocity membership. The Primary Card Member must provide their Velocity Frequent Flyer membership details to Virgin Australia Lounge staff and present same day boarding pass on a Virgin Australia flight. Additional Card Members are not eligible. Virgin Australia Lounge Access is subject to space availability. Virgin Australia Lounge is owned and operated by Virgin Australia Airlines Pty. Ltd. in selected domestic airports in accordance with Virgin Australia Lounge Terms and Conditions, available at virginaustralia.com/lounge and as amended from time to time.
 

24. Complimentary Flight.
The complimentary domestic economy Virgin Australia return flight is only available between selected Australian cities and is available for booking by American Express Velocity Platinum Card Members after your first Card spend in the first year, and then after your first Card spend each year after the anniversary of your Membership. All flights are subject to availability and neither Virgin Australia nor American Express guarantees that seats or tickets will be available on the dates or at the times you may wish to fly. Seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. Some flights may not have any seats available for redemption. Route availability is subject to change without notice. All travel is subject to the American Express Velocity Platinum Card Benefits Terms and Conditions available here and travel is subject to Virgin Australia Conditions of Carriage available at Conditionsofcarriage/VirginAustralia.com.

25. Cash Flow Days.
Extend your cash flow by up to 55 days: Depending on your method of payment, 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.
 

26. Flexible Spending Power:
Unless we tell you otherwise, your American Express Charge Card comes with flexible spending power, also known as no-pre-set spending limit. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your Business’ credit rating, and other factors. The way you use your Card can help your spending power grow, particularly in the first few months. To help maximise your spending power, make regular transactions and don’t miss any payments.
 

27. 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. Once you have earned a total of 500,000 Qantas Points on your Card Account in a calendar year, your earn rate of 1.25 Qantas Points per $1 spent will change to 0.75 Qantas Points per $1 spent on everyday business purchases. All other earn rates (Qantas products, services and government, utilities and insurances spend) will remain unchanged. The points threshold is based on eligible Qantas Points earned during a calendar year and will be reset on 1 January each year. Qantas Points earned by all Card Members on a Card Account contribute to the 500,000 points threshold each calendar year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.
 

28. Qantas Business Rewards.
A business must be a Qantas Business Rewards Member to earn Qantas Points for the business. A one-off joining fee of $89.50 usually applies, however this will be waived for any business that has an existing or successfully applies for the American Express Qantas Business Rewards Card. 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.  
 

29. Flight Discount.
Savings are available exclusively to Qantas Business Rewards Members on the base fare of selected fares only and do not apply to taxes, fees and carrier charges. Availability is limited. Member savings are subject to the Qantas Business Rewards Terms and Conditions.
 

30. American Express Business Gold Plus B2B Credits:
Business Gold Plus Xero Benefit
Save this American Express^® Business Gold Plus Card benefit to your Card and spend $100 in one or more transactions, online at www.xero.com/au/ to get $100 back. Benefit redeemable once each calendar year until the benefit end date of 31/12/2026. Terms, conditions and exclusions apply. Benefit Limit is $100 per calendar year: Spend $100 or more in one or more transactions to receive $100 back, per calendar year. Limited to one credit at a total of $100 each calendar year. Each redemption period resets on 1 January until the offer end date of 31/12/2026. You cannot carry any unused offer value from one redemption period into the next. Primary Card Member Only: The Benefit is only available to Primary American Express^® Business Gold Plus Card Members using their American Express^® Business Gold Plus Card. Transactions made with an Additional Card or Employee Card are not eligible for this Benefit. Save this Benefit First: You must first save the Benefit to your American Express^® Business Gold Plus before making your payment to qualify for the benefit. Card Members will automatically be enrolled for the subsequent redemption periods from their enrolment date. The final date to enrol and spend is 31/12/2026. Only payments made after enrolment are eligible for the benefit. You should ensure that your American Express^® Business Gold Plus is set as your default payment method with Xero to avoid missing the benefit. If you use another card to make a payment at any time, you will not be eligible for the benefit on that card. Eligible Transactions: Excludes transactions where you do not spend directly on the Card Account to which the offer is saved, in AUD, online at www.xero.com/au/. Benefit valid at Australian website only. Your Card must be charged prior to the end of each redemption period to be eligible for the credit in the redemption period. Direct Payments Only: If you pay using third party payment providers, such as Buy Now Pay Later providers or payment processors, you will not be eligible for the benefit. Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date of payment but may take longer. Credit(s) are not redeemable for cash or any other payment form. Your use of Xero: Your purchase of goods and/or services from Xero is governed by their respective terms and conditions (including privacy policies). American Express is not responsible in any way for the goods and/or services of the participating brands. Inquiries or complaints related to the participating brands' goods and/or services should be directed to their customer service.
Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain important additional terms.

Business Gold Plus Google Ads Benefit
Save this American Express^® Business Gold Plus Card benefit to your Card and spend AU$100 in one or more transactions, online at ads.google.com to get AU$100 back. Benefit redeemable once each calendar year until the benefit end date of 31/12/2026. Terms, conditions and exclusions apply. Benefit Limit is AU$100 per calendar year: Spend AU$100 or more in one or more transactions to receive AU$100 back, per calendar year. Limited to one credit at a total of $100 each calendar year. Each redemption period resets on 1 January until the offer end date of 31/12/2026. You cannot carry any unused offer value from one redemption period into the next. Primary Card Member Only: The Benefit is only available to Primary American Express® Business Gold Plus Card Members using their American Express® Business Gold Plus Card. Transactions made with an Additional Card or Employee Card are not eligible for this Benefit. Save this Benefit First: You must first save the Benefit to your American Express® Business Gold Plus before making your payment to qualify for the benefit. Card Members will automatically be enrolled for the subsequent redemption periods from their enrolment date. The final date to enrol and spend is 31/12/2026. Only payments made after enrolment are eligible for the benefit. You should ensure that your American Express® Business Gold Plus is set as your default payment method with Google Ads to avoid missing the benefit. If you use another card to make a payment at any time, you will not be eligible for the benefit on that card. Eligible Transactions: Excludes transactions where you do not spend directly on the Card Account to which the offer is saved, in AUD or USD online at ads.google.com. Benefit valid at Australian website only. Your Card must be charged prior to the end of each redemption period to be eligible for the credit in the redemption period. If you spend in a currency other than Australian Dollars, a Currency Conversion Fee applies and this fee does not count towards the benefit spend requirement. For more information regarding charges made in foreign currencies refer to your Card Member Agreement. You must meet the benefit spend requirement of $100 Australian Dollars after currency conversion to be eligible for the benefit. Direct Payments Only: If you pay using third party payment providers, such as Buy Now Pay Later providers or payment processors, you will not be eligible for the benefit. Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date of payment but may take longer. Credit(s) are not redeemable for cash or any other payment form. Your use of Google Ad Services: Your purchase of goods and/or services from Google Ads is governed by their respective terms and conditions (including privacy policies). American Express is not responsible in any way for the goods and/or services of the participating brands. Inquiries or complaints related to the participating brands' goods and/or services should be directed to their customer service.
Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain important additional terms.

Business Gold Plus Meta Benefit
Save this American Express^® Business Gold Plus Card benefit to your Card and spend $100 in one or more transactions, in-app or online at Meta for Business to get $100 back. Benefit redeemable once each calendar year until the benefit end date of 31/12/2026. Terms, conditions and exclusions apply. Benefit Limit is $100 per calendar year: Spend $100 or more in one or more transactions to receive $100 back, per calendar year. Limited to one credit at a total of $100 each calendar year. Each redemption period resets on 1 January until the offer end date of 31/12/2026. You cannot carry any unused offer value from one redemption period into the next.
Primary Card Member Only: The Benefit is only available to Primary American Express^® Business Gold Plus Card Members using their American Express^® Business Gold Plus Card. Transactions made with an Additional Card or Employee Card are not eligible for this Benefit.
Save this Benefit First: You must first save the Benefit to your American Express^® Business Gold Plus before making your payment to qualify for the benefit. Card Members will automatically be enrolled for the subsequent redemption periods from their enrolment date. The final date to enrol and spend is 31/12/2026. Only payments made after enrolment are eligible for the benefit. You should ensure that your American Express^® Business Gold Plus is set as your default payment method with Meta for Business to avoid missing the benefit. If you use another card to make a payment at any time, you will not be eligible for the benefit on that card. Eligible Transactions: Excludes transactions where you do not spend directly on the Card Account to which the offer is saved, in AUD in-app or online at www.facebook.com/business/marketing/facebook. Benefit valid at Australian app and website only. Your Card must be charged prior to the end of each redemption period to be eligible for the credit in the redemption period.
Direct Payments Only: If you pay using third party payment providers, such as Buy Now Pay Later providers or payment processors, you will not be eligible for the benefit.
Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date of payment but may take longer. Credit(s) are not redeemable for cash or any other payment form.
Your use of Meta for Business: Your purchase of goods and/or services from Meta for Business is governed by their respective terms and conditions (including privacy policies). American Express is not responsible in any way for the goods and/or services of the participating brands. Inquiries or complaints related to the participating brands' goods and/or services should be directed to their customer service.
Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain important additional terms.

Business Gold Plus Amazon Web Services Benefit
Save this American Express^® Business Gold Plus Card benefit to your Card and spend $100 in one or more transactions, online at aws.amazon.com to get $ 100 back. Benefit redeemable once each calendar year until the benefit end date of 31/12/2026. Terms, conditions and exclusions apply.
Benefit Limit is $100 per calendar year: Spend $100 or more in one or more transactions to receive $100 back, per calendar year. Limited to one credit at a total of $100 each calendar year. Each redemption period resets on 1 January until the offer end date of 31/12/2026. You cannot carry any unused offer value from one redemption period into the next.
Primary Card Member Only: The Benefit is only available to Primary American Express^® Business Gold Plus Card Members using their American Express^® Business Gold Plus Card. Transactions made with an Additional Card or Employee Card are not eligible for this Benefit.
Save this Benefit First: You must first save the Benefit to your American Express^® Business Gold Plus before making your payment to qualify for the benefit. Card Members will automatically be enrolled for the subsequent redemption periods from their enrolment date. The final date to enrol and spend is 31/12/2026. Only payments made after enrolment are eligible for the benefit. You should ensure that your American Express^® Business Gold Plus is set as your default payment method with Amazon Web Services to avoid missing the benefit. If you use another card to make a payment at any time, you will not be eligible for the benefit on that card.
Eligible Transactions: The benefit only applies to online spend made at aws.amazon.com. Only valid for payments made in AUD, with the billing country for your subscription selected as Australia. Benefit valid at Australian website only. Your Card must be charged prior to the end of each redemption period to be eligible for the credit in the redemption period. Excluded Transactions: Excludes transactions where you do not spend directly on the Card Account to which the offer is saved at aws.amazon.com. The benefit excludes any additional purchases or charges, such as payments made via phone and purchases made at amazon.com.au. For purchases of products that may have a delayed delivery, or if you accept a free trial, you must ensure that $100 or more has been charged to your Card by the end of each redemption period (31 December) to be eligible for the credit within that redemption period. Excludes pre-order items where the release date is after benefit end date.
Direct Payments Only: If you pay using third party payment providers, such as Buy Now Pay Later providers or payment processors, you will not be eligible for the benefit.
Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date of payment but may take longer. Credit(s) are not redeemable for cash or any other payment form.
Your use of Amazon Web Services: Your purchase of goods and/or services from Amazon Web Services is governed by their respective terms and conditions (including privacy policies). American Express is not responsible in any way for the goods and/or services of the participating brands. Inquiries or complaints related to the participating brands' goods and/or services should be directed to their customer service.
Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain important additional terms.

Business Gold Plus Square Benefit

Save this American Express^® Business Gold Plus Card benefit to your Card and spend AU$300 or more in one or more transactions at Square online, on either Square hardware or Square software subscriptions to receive one AU$100 back, per calendar year. Limited to one credit at a total of $100 each calendar year. Each redemption period resets on 1 January until the offer end date of 31/12/2026. Terms, conditions and exclusions apply. The redemption periods are between 1 October 2025 – 31 December 2025 and between 1 January – 31 December 2026. You cannot carry any unused offer value from one redemption period into the next.

Primary Card Member Only: The Benefit is only available to Primary American Express® Business Gold Plus Card Members using their American Express® Business Gold Plus Card. Transactions made with an Additional Card or Employee Card are not eligible for this Benefit.

Save this Benefit First: To redeem, you'll need a Square account. Sign up here if you don't have one yet before making a purchase. If you already have a Square account, you must first save the Benefit to your American Express® Business Gold Plus Card before making your payment to qualify for the benefit. The final date to enrol and spend is 31/12/2026. Only payments made after enrolment are eligible for the benefit. You should ensure that your American Express® Business Gold Plus Card is set as your default payment method with Square to avoid missing the benefit. Benefit limited to the Card to which the offer is saved and only spend on this Card counts towards the Benefit. If you use another card to make a payment at any time, you will not be eligible for the Benefit on that card.

Eligible Transactions: Excludes transactions where you do not spend directly on the Card Account to which the offer is saved, in AUD online at squareup.com/au/en. This benefit applies only to transactions on Square hardware and or Square software subscriptions purchases. Only paid Square software plans are eligible for this offer. Third-partyapplications that use Square’s APIs and SDKs, Afterpay, and other payment related tools are ineligible. Any merchant processing fees and Instant Transfer fees are ineligible. Benefit valid at Australian website only. Your Card must be charged prior to the end of each redemption period to be eligible for the credit in the redemption period. Excludes purchases made in retail stores. To be eligible, you'll need a Square account. Fill in a form here if you don't have one yet before you make a purchase.

Direct Payments Only: Your payment must be made in AUD directly online at squareup.com/au/en to be eligible for the benefit. If you pay using third party payment providers, such as Buy Now Pay Later providers, third party payment providers or payment processors, you will not be eligible for the benefit.

Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date of payment but may take longer. Credit(s) are not redeemable for cash or any other payment form. 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 or cancelled.Your use of Square Services: Your purchase of goods and/or services from Squareup.com is governed by their respective terms and conditions (including privacy policies). American Express is not responsible in any way for the goods and/or services of the participating brands. Inquiries or complaints related to the participating brands' goods and/or services should be directed to their customer service.

Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain important additional terms

Business Gold Plus Dell Benefit
Save this American Express^® Business Gold Plus Card benefit to your Card and spend online at www.dell.com.au or by phone on 1800 880 855 to receive your purchase amount back as a credit, up to $75 back per redemption period. Benefit redeemable once every 6 months until the benefit end date of 31/12/2026. Exclusions apply.
Benefit Limit is $75, every calendar 6 months: the benefit value is capped at $75 each redemption period, per Card Account. The benefit value will reset on 1 January and 1 July every year until the benefit end date of 31/12/2026. You cannot carry any unused offer value from one redemption period into the next.
Primary Card Member Only: The Benefit is only available to Primary American Express^® Business Gold Plus Card Members using their American Express^® Business Gold Plus Card. Transactions made with an Additional Card or Employee Card are not eligible for this Benefit. Save this Benefit First: You must first save the Benefit to your American Express^® Business Gold Plus before making your payment to qualify for the benefit. Card Members will automatically be enrolled for the subsequent redemption periods from their enrolment date. The final date to enrol and spend is 31/12/2026. Only payments made after enrolment are eligible for the benefit. You should ensure that your American Express® Business Gold Plus is set as your default payment method with Dell to avoid missing the benefit. If you use another card to make a payment at any time, you will not be eligible for the benefit on that card.
Eligible Transactions: Excludes transactions where you do not spend directly on the Card Account to which the offer is saved, at www.dell.com.au or by phone on 1800 880 855. Offer valid at Australian website and phone orders only. Your Card must be charged prior to the end of each redemption period to be eligible for the credit in the redemption period.
Direct Payments Only: If you pay using third party payment providers, such as Buy Now Pay Later providers or payment processors, you will not be eligible for the benefit.
Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date of payment but may take longer. Credit(s) are not redeemable for cash or any other payment form.
Your use of Dell: Your purchase of goods and/or services from Dell is governed by their respective terms and conditions (including privacy policies). American Express is not responsible in any way for the goods and/or services of the participating brands. Inquiries or complaints related to the participating brands' goods and/or services should be directed to their customer service.
Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain important additional terms.
 

31. 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.
 

32. 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.
 

33. Partner Programs.
Subject to the Terms and Conditions of the Membership Rewards program available at https://www.americanexpress.com/en-au/rewards/membership-rewards/terms. To transfer Membership Rewards points into an Airline or Frequent Guest Partner Program you must be a member of the Partner Program. Membership of the Partner Program is the Card Members responsibility and is subject to the terms and conditions of the applicable Program. A joining fee may apply. Award seats are not available on all routes. Please check availability with the Partner prior to transferring your points. Charges/levies/taxes may apply. The redemption of points will be administered solely by American Express. A minimum transfer amount applies. Points transferred to Partner Airlines are not reversible and American Express holds no responsibility for flight or accommodation availability, which may be limited. This is at the sole discretion of the Airline and Hotel Partners.
 

34. American Express Travel Online: To earn or redeem Membership Rewards points, Cards must be enrolled to the American Express Membership Rewards program, and your Card Account must be in good standing. To redeem Membership Rewards Points with American Express Travel Online, you need to have available limit on your Card for the full transaction amount of the booking. You will then receive a statement credit within 3 business days for your points redemption. If the credit isn’t on the same statement as the transaction, it should appear on your next statement. Please pay all amounts due each month. You will earn Membership Rewards points on the full dollar amount charged to your Card. All bookings are subject to the terms and conditions of our Membership Rewards Program. For full Terms and Conditions please visit the Membership Rewards website.
 

35. Gift Cards. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of minimum 3 years from the date of issue, unless otherwise stated. We are not responsible if any Gift Card is lost, stolen, or destroyed, or the Gift Card is used without your permission. Membership Reward terms and conditions apply. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details.
 

36. Cover Charges with Points. For each successful transaction with cover charges with points, points chosen will be debited from your Membership Rewards account and a credit placed on your Card. A minimum of 1,000 Membership Rewards points is required to cover any eligible transaction with points. Account cannot be in credit when using cover charges with points. A credit will appear on your statement identified as “Membership Rewards Credit”. Points will be debited immediately and the credit will take up to 2-4 business days 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. Any charges covered by points is not redeemable for cash via Credit balance refund. American Express will select and display each eligible charge that can be covered with points (“Eligible Charge”) and the points rate required to cover the Eligible Charge. Each Eligible Charge must: (a) appear within the Online Statement of the Summary of Accounts page; (b) be redeemed within 2 months of the charge appearing on your Card account; (c) not currently or have previously been disputed; and (d) not be a fee. Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any time without notice. Eligible transactions can be covered by points via your online account or American Express mobile app. Covering charges with points is available only to Primary Card Members enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, Additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing. For more information on Cover Charges with Points click here.
 

37. Points may be redeemed by the Basic Cardmember for a credit on the Primary Card Account. American Express may decline a Points for Fee request where the Card Account or Cardmember's other accounts with American Express are not in good standing. The redemption of Points for Fee will be administered solely by American Express within 3 business days and cannot be reversed. Points for Fee is not redeemable for cash via Credit balance refund.

38. Points for Credit: The redemption of Points for a credit to your Card (Points for Credit) will be administered by us within three business days and cannot be reversed. Amounts credited will appear on the first monthly statement following redemption. If you hold multiple Cards linked to the one Membership Rewards Account, the Points for Credit redemption will automatically be credited to the Primary Account only. Points may be redeemed by the Card Member for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Card Member’s other accounts with American Express are not in good standing.
 

39. Travel 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 your American Express 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.