American Express approval criteria apply. Subject to Terms and Conditions. Fees and Charges apply. All information is correct as at 8 October 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. ® Registered Trademark of American Express Company.

1. American Express Platinum Business Card $300 Annual Card Fee: Offer only available to current primary Account holders of an American Express Platinum Card, who have been invited to apply and are approved. You will continue to be charged a reduced annual Card fee of $300 on the American Express Platinum Business Card for as long as you continue to hold your personal American Express Platinum Card. Subject to your Accounts being in good standing and not overdue. If your American Express Platinum Card is cancelled or changed to another Card product, you will be required to pay the standard annual Card fee of $1,750 (which is subject to change) on the American Express Platinum Business Card. You must apply for the American Express Platinum Business Card via our Business Development Executives or on https://www.americanexpress.com/en-au/business/business-card-offers-for-platinum/. Additional Card holders are ineligible for this offer. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. This offer cannot be forwarded to any other person.


2. American Express Business Gold Plus Card $195 Annual Card Fee: Offer only available to current primary Account holders of an American Express Platinum Card, who have been invited to apply and are approved. You will continue to be charged a reduced annual Card fee of $195 on the American Express Business Gold Plus Card for as long as you continue to hold your personal American Express Platinum Card. Subject to your Accounts being in good standing and not overdue. If your American Express Platinum Card is cancelled or changed to another Card product, you will be required to pay the standard annual Card fee of $395 (which is subject to change) on the American Express Business Gold Plus Card. You must apply for the American Express Business Gold Plus Card via our Business Development Executives or on https://www.americanexpress.com/en-au/business/business-card-offers-for-platinum/. Additional Card holders are ineligible for this offer. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. This offer cannot be forwarded to any other person.

3. Membership Rewards^® Program for The American Express^® Platinum Business Card: Subject to the Terms and Conditions of the Membership Rewards program available here. Merchants classified as "government" include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. There may be tax implications associated with participation in the Membership Rewards program. You are advised to check with your accountant or tax adviser for further information.

4. Membership Rewards^® Program for The American Express^® Business Gold Plus Card: Subject to the Terms and Conditions of the Membership Rewards^® program available at americanexpress.com/en-au/benefits/rewards/membership-rewards/.

Earn 3 points per $1 spent directly at these selected merchants: Xero, Google Ads, Meta for Business, Amazon Web Services (AWS) and Dell. Spend made through an aggregator or intermediary 3rd party platforms for these transactions may not be eligible for accelerated points earn.

Earn 2 points per $1 spent with American Express^® AccessLine. Excludes any special risk based pricing Customer transactions with AccessLine. This information has been prepared without taking into account your objectives, financial situation or needs. You should read the AccessLine Terms and Conditions and consider the appropriateness of Australian domestic payments using AccessLine in relation to your individual requirements. AccessLine is not available to individual consumers. To enrol in this service, your business will be required to complete an application, which is subject to review and approval by American Express. To use AccessLine, you must have an eligible American Express Corporate Card or American Express Business Card that is registered to use the service. Terms, conditions, fees and charges apply. Learn more about AccessLine here.

Earn 1.5 points for every $1 spent everywhere else except government where you will earn 1 point for every $1 spent. Merchants classified as "government" include the Australian Taxation Office, the Australian Postal Corporation, Federal/State and Local government bodies. Industry-specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example, a payment made to Local Government bodies processed through a payment aggregator may earn points at the government earn rate.

After a total of 200,000 points is earned in a calendar year, you will earn 1 point for every $1 for all spend, uncapped and with no expiry. Points earned by Primary and Employee Card Members on a Card Account contribute to the 200,000 points threshold each calendar year and threshold resets on 1st January every year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.

5. Points Transfer: Subject to the Terms and Conditions of the Membership Rewards program available at americanexpress.com/australia/membershiprewardsplatinum. 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 Member's 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.

6. American Express Platinum Business Employee Cards: Subject to Terms and Conditions. This offer is only available to those who reside in Australia. 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.

7. American Express Business Gold Plus Employee Cards: Subject to Terms and Conditions. This offer is only available to those who reside in Australia. Two Employee Cards are complimentary; then $75 p.a. for each additional Employee Card. All Employee Card Members will receive the standard recycled plastic Card. 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. Subject to Terms and Conditions. This offer is only available to those who reside in Australia.

8. 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.


9. Extending 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.

10. With Flexible Payment Option, you will be charged interest if you do not pay your Closing Balance in full by the due date each month. Please refer to your monthly statements for the current interest rate. Please refer to the full Flexible Payment Option Terms and Conditions. 

11. AccessLine: This information has been prepared without taking into account your objectives, financial situation or needs. You should read the AccessLine Terms and Conditions and consider the appropriateness of Australian domestic payments using AccessLine in relation to your individual requirements. AccessLine is not available to individual consumers. To enrol in this service, your business will be required to complete an application, which is subject to review and approval by American Express. To use AccessLine, you must have an American Express Business Card or American Express Corporate Card that is registered to use the service. Terms, conditions, fees and charges apply.

AccessLine^® payments are arranged through American Express Australia Limited (ABN 92 108 952 085) and American Express International, Inc. (ABN 15 000 618 208) incorporated with limited liability in Delaware, USA. ® Trademark of American Express Company. © 2025 American Express Company. All rights reserved.

12. American Express Platinum Business Card Dell Technologies Credit: The redemption periods are between 18 January 2022 - 30 June 2022, 1 July 2022 - 31 December 2022, 1 January 2023 - 30 June 2023, 1 July 2023 - 31 December 2023, 1 January 2024 - 30 June 2024, 1 July 2024 - 31 December 2024, 1 January 2025 - 30 June 2025, 1 July 2025 - 31 December 2025, 1 January 2026 - 30 June 2026 and between 1 July 2026 - 31 December 2026. Benefit is limited to one credit of up to $125 each redemption period, per Card Account. Your Card must be charged prior to the end of each redemption period to be eligible for the credit in the redemption period. Only the Primary Card Member can enrol the Card into the benefit. Valid for spend on any Employee Cards under the enrolled Card Account. Not all Cards are eligible for this Benefit. 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. Benefit limited to the Card Account to which the offer is saved and only spend on this Card Account counts towards the benefit. 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. A one-time enrolment is required from 18/01/2022 and 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. Excludes transactions made through a third party establishment or payment processor. Credit is not redeemable for cash or other payment form. Credit should appear on your billing statement within 5 business days from qualifying spend but may take up to 90 days from the offer end date. Credit will not be applied to your Card Account if your Card has been suspended or cancelled. Credit may be reversed if your qualifying purchase is refunded or cancelled. Full Offer Terms available here.

13. 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.

14. 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.

15. 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.

16. 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.

17. Business Gold Plus Square Benefit: Save this benefit to your Card and spend AU$300 or more in one or more transactions at Square online, on hardware and or software subscriptions to receive one $100 credit back. If new to Square, sign up here. Benefit redeemable once each calendar year until the benefit end date of 31/12/2026. Terms, conditions apply.
Benefit Limit is AU$100 per calendar year: 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-party applications 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.

18. 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.