Amex benefits for Frequent Flyers

1. Qantas Points
Qantas American Express Ultimate Card, Qantas American Express Discovery Card and Qantas American Express Premium Card
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.

Qantas American Express Ultimate Card: 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.

American Express Qantas Business Rewards Card
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.

2. Additional Card Members.
Additional Card Members must be 16 years of age or over. The Primary Card Member will be liable to pay for all transactions made by Additional Card Members. Earning of points is subject to the terms and conditions of the Rewards Program the Primary Card Member is actively enrolled. All points earned on Additional Card Member spend will go to the Primary Card Members Account. The Primary Card Member cannot add an Additional Card under their own name or email address and cannot add an Additional card under the name or email address of a previously approved Additional Card application on the Account.

3. Employee Cards: Employee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1) Employee Card.

4. 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 18 September 2025 and is subject to change. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited (ABN 92 108 952 085), Australian Credit Licence No. 291313. ^® Registered Trademark of American Express Company.

Don't Spam!
American Express discourages spamming. You should only send referral messages to friends and family who genuinely want to receive them. By participating in ‘Refer a Friend’, you agree to these terms and conditions:

• Friend: For the purpose of these terms and conditions, the term ‘friend’ means:
  • For American Express Consumer Card referrals, individuals that are your friends, family or close associates; and
  • For American Express Business Card referrals, entities that are known to you including companies, partnerships and sole proprietors that hold an active Australian Business Number (ABN).
  • For the avoidance of doubt, if you already have an American Express Card, you are prohibited from referring yourself for any American Express Card.
• 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 and be given consent to send them an email about your Card product. Sending emails to people without permission is considered spam.
• We encourage fair usage of this referral program and so limit the number of individuals who can apply using your referral link. This is capped at 25 in any 30-day period. The amount of Bonus Points you may receive under the 'Refer a Friend' program for Personal Cards is capped at 200,000 points per year. The amount of Bonus Points you may receive under the 'Refer a Friend' program for Business Cards is capped at 10,000,000 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 Bonus 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.
• Your friend may not receive any points if they hold or previously held any Card product issued by American Express Australia Limited in the past 18 months.
• You must be enrolled in the relevant rewards loyalty program to receive Bonus Points.
• It may take 8 to 10 weeks to be credited Bonus Points if you are successful.

Why should I comply?
Any violation, abuse or failure to comply with these 'Refer a Friend' Terms and Conditions including, sending emails to individuals with whom you have no business, personal or family relationship, referring yourself, and efforts to bypass, manipulate, obscure or otherwise modify the delivery and accurate presentation of the referral link, sharing tools, content, disclosures, instructions or other materials we provide will be considered a breach of these Terms and Conditions and make you ineligible for any referral bonus, reverse any referral bonus awarded, and may result in your termination from the ‘Refer a Friend’ program and cancellation of your Card account.

For full terms and conditions for your Card product please log in here.

5. 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. 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.

7. A business can redeem Qantas Points directly from their Qantas Business Rewards account on Classic Flight Rewards or Points Plus Pay flights, paid seat selection and additional baggage allowance (when purchased at time of flight booking), and/or transfer Qantas Points out of the Qantas Business Rewards accounts into any individual’s Qantas Frequent Flyer account. In order to transfer or directly redeem Qantas Points from a Qantas Business Rewards account, the Business Account must have a balance of at least 3,000 Qantas Points. You must be a Qantas Frequent Flyer member to earn, transfer and redeem Qantas Points as an individual. A joining fee may apply. Membership and Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions. We recommend you consult your accountant or tax adviser to ensure you understand possible tax implications, for example fringe benefits tax (if applicable).

Seat selection: You can select your seat on all Qantas operated flights (excluding select regional services). Fees may apply. Seat selection cannot be guaranteed as seats may need to be changed for operational, safety or security reasons, even after boarding the aircraft. For more information, visit qantas.com/seatselection.

Additional Baggage: Baggage limits vary by aircraft type, route, and date of travel. Piece, size and weight restrictions apply. For more information, visit qantas.com/baggage. In order to transfer Qantas Points from a Qantas Business Rewards account to an individual’s Qantas Frequent Flyer account, the business account must have a balance of at least 3,000 Qantas Points. You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points. A joining fee may apply. Membership and Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions. We recommend you consult your accountant or tax adviser to ensure you understand possible tax implications, for example fringe benefits tax (if applicable).

8. Qantas Points Transfer
In order to transfer Qantas Points from a Qantas Business Rewards account to an individual's Qantas Frequent Flyer account, the business account must have a balance of at least 3,000 Qantas Points. You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points. A joining fee may apply. Membership and Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions. We recommend you consult your accountant or tax adviser to ensure you understand possible tax implications, for example fringe benefits tax (if applicable).

9. Qantas 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.

10. Qantas Ultimate 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 Qantas American Express Ultimate 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 Qantas American Express Ultimate 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. The Centurion^® Lounge for Qantas American Express Ultimate Card Members
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. Qantas American Express Ultimate 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.

12. Qantas Club Complimentary Lounge Invitations for Qantas American Express Ultimate Card Members
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.

13. Qantas Classic and Discovery 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 Qantas American Express Classic Credit Card or Qantas American Express Discovery Credit Card to pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the Qantas Discovery and Classic Credit Card Insurance Terms and Conditions here 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. 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.

15. Qantas Premium 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 Qantas American Express Premium 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 Qantas American Express Premium 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.

16. Qantas Club Lounge Invitations for American Express Qantas Business Rewards Card Members
Provided the Primary Card Member is a Qantas Frequent Flyer member and has registered their Qantas Frequent Flyer number with your business's American Express Qantas Business Rewards Card, your business is eligible to receive two domestic Qantas Club Lounge Invitations each anniversary year of Card Membership once your business makes an Eligible Qantas Purchase on your American Express Card during that year. Eligible Qantas Purchases are Qantas passenger airfares with a QF flight number purchased directly from Qantas Australia that appear on your Card statement, Qantas Frequent Flyer, Qantas Business Rewards or Qantas Club membership, joining or annual fees. Excludes purchases from Jetstar. Within 1-2 weeks of the Eligible Qantas Purchase, two Qantas Club Lounge Invitations will be assigned to the Qantas Frequent Flyer account nominated by the business. Visit the Complimentary Invitations Portal to access invitations, link it with an eligible Qantas flight booking or find out more information. Qantas Club Lounge Invitations are valid for a single visit by one guest to a domestic Qantas Club Lounge only and must be used prior to their expiry. Invitations are subject to the Qantas Complimentary Lounge Invitation Terms and Conditions. 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 business's American Express Qantas Business Rewards Card account is not in good standing, if the Eligible Qantas Purchase is 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 Card Terms and Conditions.

17. 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 Qantas Business Rewards 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 Qantas Business Rewards 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.

18. Velocity Points
The American Express Velocity Platinum Card
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.

The American Express Velocity Escape Plus Card
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.

The American Express Velocity Business Card
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. You will earn 0.5 points per $1 spent at participating merchants classified as 'government' including the Australian Taxation Office, the Australian Postal Corporation, federal/state and local government bodies. Industry specific earn rates may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate.

19. Membership T&Cs and individual airline partner T&Cs apply.

20. Economy X Terms and Conditions apply. Business: Points can be used to upgrade from Economy fares (excl. Economy Lite) on Virgin Australia marketed and operated flights (excl. flights to/from Christmas Island and Cocos (Keeling) Island). Subject to seat availability. Requests can be made at least 30 mins before scheduled departure at the airport. Additional terms and conditions available in clause 8.9.

21.Virgin Wines Redemption Terms and Conditions:
These Terms and Conditions apply if you want to purchase products from Virgin Wines Redemptions using Velocity Frequent Flyer Points only via the Virgin Wines Redemption store. These Terms and Conditions should be read with Virgin Wines Redemptions’ Terms and Conditions and Privacy Policy .
The Virgin Wines Redemptions store is operated by Wine People Pty Ltd (ABN: 41 105 657 154) trading as Virgin Wines, Level 6, Suite 6.01, 1 Oxford Street, Darlinghurst NSW 2010 (Liquor licence:LIQP770016550). Orders will not be accepted (nor alcohol be delivered to) persons under the age of 18 years. You are purchasing wine from Virgin Wines not Velocity Frequent Flyer Pty Ltd. Your contract with Virgin Wines will be formed when they dispatch your product(s).
Virgin Wines delivery to most addresses in Australia including PO Boxes except the Northern Territory, dry zones across Australia and Parcel Lockers. Orders are usually fulfilled within a week but please allow up to 14 days. Delivery to outlying areas will be to the agent’s nearest depot. If an offered wine becomes unavailable, an alternative wine of equal or greater value will be supplied. If you are unhappy with the substitute, Virgin Wines will provide you a refund.
Virgin Wines is covered by a quality guarantee, subject to certain conditions. If a wine fails to satisfy, for whatever reason, and assuming it has been stored in suitable conditions, and has met Virgin Wines’ wine handling conditions, it will be collected and refunded or replaced (subject to Virgin Wines Redemptions Terms and Conditions). Subject to applicable law, Virgin Wines does not offer refunds and returns on older vintage and fine wines.
Velocity membership Terms and Conditions apply.

22.American Express Velocity Business Card Points Redemption:
When redeeming Reward Seats with Velocity Points earned on your American Express Velocity Cards all redemptions quoted are Reward Seats, subject to availability and to the Velocity Membership Terms and Conditions. Taxes, fees and surcharges are payable in addition to Velocity Points redeemed. Seats are limited and may not be available at peak times or on all flights. Any pay component is not eligible for Velocity Points earn with Velocity Airline Partners. Name changes and refunds are not permitted for certain fare types. Card Payment Fee (Payment Surcharge) is applied per booking when using a credit card or a debit card as the method of payment and is non-refundable. For bookings made with debit card the booking fee is charged at 0.6% per booking and credit card booking fee is charged at 1.3% per booking. The Card Payment Fee (Payment Surcharge) is capped at $11 for Domestic flights and $70 International flights. Additional baggage charges apply for Virgin Australia domestic and international short-haul flights; please view the Velocity website for a schedule of current fees. Fees will be incurred for excess baggage. Complimentary baggage allowances apply for Silver, Gold and Platinum Velocity members and guests travelling on Flexi, Premium Economy and Business Class Fares. Conditions and travel restrictions apply for all fares. Fares quoted to international destinations not operated by Virgin Australia will be flown by one of Velocity's international partner airlines. More information on which of our partners can fly you to your chosen destination can be found by viewing our Interactive Route Map, available on the Velocity website. For full details see www.velocityfrequentflyer.com.

23. 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.

24. 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.

25. Virgin Australia Guest Lounge Passes
Virgin Australia Guest Lounge Passes are subject to the American Express Velocity Platinum Card Benefits Terms and Conditions. Two single entry passes to the Virgin Australia lounge will be activated on the Primary Card Member’s Velocity Frequent Flyer membership account annually, on or after each anniversary of membership. Additional Card members are not eligible. Complimentary single entry Virgin Australia Guest Lounge Passes are not transferable, but may be used to enable other people (who are travelling with the Primary Card Member) to gain access to the lounge. The Virgin Australia lounge is operated by Virgin Australia Airlines Pty. Ltd. in selected domestic airports in accordance with the Virgin Australia Lounge Terms and Conditions, available at virginaustralia.com/lounge and as amended from time to time. Visit the Virgin Australia website for up-to-date information on Virgin Australia’s Lounge network.

26. Bonus Velocity Status Credits
Velocity Frequent Flyer Status Credits are subject to the American Express Velocity Platinum Card Benefits Terms and Conditions. 50 Velocity Frequent Flyer Status Credits will be awarded when you spend $25,000 on Eligible Spend within your membership year, and a further 50 Status Credits when you spend another $25,000 on Eligible Spend within the same membership year. Membership year is defined as commencing upon Card activation and renews on the day of your Card activation each subsequent year. Eligible Spend does not include Card fees and charges, for example annual fees, interest, late or dishonoured payments, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Please allow up to 2 weeks after you meet the minimum spend requirement for the Status Credits to be credited to your Velocity account. In addition to Status Credits, Velocity members need to fly on Virgin Australia marketed flights to earn Eligible Sectors to upgrade or maintain a level of membership. To find out more about the Status Credit and Eligible Sector requirements for Velocity membership levels please visit velocityfrequentflyer.com/the-basics/status.

27. Velocity Platinum 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 Velocity Platinum 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 Velocity Platinum 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.

26. $50 Virgin Australia Statement Credit
Limited to one $50 credit per redemption period. The redemption periods are :
1. 1 January 2025 - 31 December 2025; and
2. 1 January 2026 - 31 December 2026.
Each redemption period resets on 1 January until the offer end date of 31 December 2026. You cannot carry any unused offer value from one redemption period into the next.
Save this Benefit First: You must first save the Benefit to your American Express Velocity Escape Plus Card via Amex Offers by simply logging into your Online Account or the Amex App, before making your payment to qualify for the benefit. Members will automatically be enrolled for the subsequent redemption periods from their enrolment date. The final date to enrol and spend is 31 December 2026. Only payments made after enrolment are eligible for the benefit. You should ensure that your American Express Velocity Escape Plus Card is set as your default payment method with Virgin Australia 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.
Primary Card Member Only: The Benefit is only available to Primary American Express Velocity Escape Plus Card Members using their American Express Velocity Escape Plus Card. Transactions made with an Additional Card are not eligible for this Benefit.
Eligible Transactions: The benefit only applies to payments made online at www.virginaustralia.com or in-person at the self-serve Kiosk or Guest Relations desk at the airport. Benefit valid for flight tickets, seats, bags and upgrades. Only valid for payments made in Australian Dollars at the Australian website and Australian airport locations. 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: The benefit excludes any additional purchases or charges, such as payments made for any in-flight purchases. Flights operated by codeshare partners are not eligible for the offer.
Direct Payments Only: If you pay using third party payment providers, such as travel agents, ticket offices, 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 Virgin Australia: Your purchase of goods and/or services from Virgin Australia 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. Flights with Virgin Australia are subject to the Virgin Australia Conditions of Carriage and the Virgin Australia fare rules.
Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain important additional terms.

29. Velocity Escape Plus 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 Velocity Escape Plus Credit Card to pay for your trip in order to be covered under the travel insurance and for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Velocity Escape Plus 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.

30. Virgin Australia Lounge Access for American Express Velocity Business Card Members
American Express Velocity Business Card Members receive two complimentary single entry passes each Membership year. The Card Member must be travelling with Virgin Australia domestically. Access is to Virgin Australia-branded lounges in Australia only. Name on boarding pass must match the name on the Velocity Business Card. The Velocity Business Card Member must present his or her valid Card and same-day boarding pass (containing their Virgin Australia Velocity Frequent Flyer number and status) to Virgin Australia lounge agents. Single entry passes are valid for 12 months from the date of issue. The Virgin Australia Lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airports in accordance with the Virgin Australia Lounge Terms and Conditions and Lounge Rules as amended from time to time. All access is subject to space availability. This benefit is subject to change. Visit virginaustralia.com/lounge for full Terms and Conditions.

31. The Fare Advantage Discount of 4% applies to domestic Flex fares (L, K, H, W, B, Y class) and 6% applies to domestic Business Class fares (D, C, J class) and is available to Virgin Australia Business Flyer members. The Fare Advantage Discount levels are subject to change without notice. Please check our website for current discount levels. Fare Advantage Discounts can only be booked through the Booking Portal, our Guest Contact Centre, or a registered self-ticketing Travel Management Company (TMC) or travel agent and are not available through the public Virgin Australia website. If your TMC or travel agent is not registered to process Fare Advantage Discounts, please instruct your TMC or travel agent to contact the Virgin Australia Business Flyer team at businessflyer@virginaustralia.com. Fare Advantage Discounts cannot be used in conjunction with any other offer or discount and cannot be combined with any other Unpublished Fares or Promotional Fares. Fare Advantage discounts do not apply to any bookings made via the Virgin Australia conference and group travel area, sale fares or other tactical fares offered from time to time, and bookings for children and infants. If you have any questions regarding the application of Fare Advantage Discounts, please contact the Virgin Australia Business Flyer team. Virgin Australia Business Flyer Terms and Conditions apply.