American Express credit approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 4 August 2026 and is subject to change. This offer is only available to those who reside in New Zealand. Cards are offered, issued and administered by American Express International (NZ), Inc.

1. Bonus & Eligibility. Offer only available to new American Express Card Members who apply online by 14 December 2026, are approved and spend $1,500 or more on eligible purchases on their new Card in the first 3 months from Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Card Members who currently hold or who have previously held any other Card product offered by American Express International (NZ), Inc in the preceding 18 month period are ineligible for this offer. 100,000 Membership Rewards Bonus Points will be awarded to the eligible Card Member’s Account 8-10 weeks after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. The American Express Gold Rewards Business Card^® has an annual fee of $349. Offer subject to change without notice. Subject to the Terms and Conditions of the Membership Rewards Programme available at https://www.americanexpress.com/en-nz/benefits/rewards/membership-rewards/#t&cs

2. American Express Travel Online. To earn or redeem Membership Rewards points, Cards must be enrolled in the American Express Membership Rewards programme, 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 programme. For full Terms and Conditions please visit the Membership Rewards website.

3. Employee Cards. American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. This offer is only available to those who reside in New Zealand. Employee Card Members must be over 18 years of age. The Primary Card Member and the Business will be liable for all charges and fees associated with the Employee Card. Each employee is entitled to only one (1) Employee Card. All Employee Card Members will receive the standard recycled plastic Card.

4. Extend your cash flow by up to 55 days. Depending on when you make a purchase, when your statement is issued, and whether you are carrying forward a balance on your Account from your previous statement period. If you pay by direct debit, please refer to your monthly statements to confirm the date that direct debit will be processed. If the debit date falls on a weekend or public holiday, it will be processed on the next business day.

5. Membership Rewards. Subject to the Terms and Conditions of the Membership Rewards program available at https://www.americanexpress.com/en-nz/rewards/membershiprewards/terms Once you have earned a total of 300,000 Membership Rewards points on your Card Account in a calendar year, your earn rate of 2 points per $1 spent will change to 1 point per $1 spent on purchases. The points threshold is based on eligible Membership Rewards points earned during a calendar year and will be reset on 1 January each year. Membership Rewards points earned by all Card Members on a Card Account contribute to the 300,000 points threshold each calendar year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.

6. 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.

7. RewardPay. RewardPay enrolment is required. RewardPay fees apply. Please visit rewardpay.co.nz for current fees and terms. Eligible payments made through RewardPay using an American Express Gold Rewards Business Card may earn Membership Rewards points in accordance with the Membership Rewards Terms and Conditions. RewardPay is operated by RewardPay Pty Ltd. American Express is not responsible for the products or services provided by RewardPay. Payments made through RewardPay are subject to RewardPay's terms, conditions and eligibility requirements.

8. Xero. Eligible Card Members can connect their American Express Card issued by American Express New Zealand via secure API with Xero. User must be a Xero subscriber, have an American Express Online Account, and the Card must be active and in good standing.

9. Priority Pass™ These Terms and Conditions govern participation in and use of the Priority Pass™ program. Priority Pass is an independent airport lounge access program. American Express Gold Rewards Business Card Members are entitled to two complimentary visits for the Primary Card Member only within each 12-month membership period, after which every visit would be charged to your American Express^® Card as per the prevailing rates available at www.prioritypass.com. Card Members are not entitled to any complimentary guest entries, including children of all ages. If a lounge permits guests, this comes at an additional cost to the Card Member. Guest access policies (including, but not limited to, guest fees and number of guests per visit) may vary by location and are subject to change. By enrolling in Priority Pass, you agree that you will be responsible for any accompanying guest visits and that your Card will be automatically charged after you have signed for the guest visit and it has been reported to Priority Pass by the participating lounge. Additionally, 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. Card Members must be enrolled prior to usage and only digital enrolment is available. Once enrolled, Card Members whose Card Account is not cancelled may access participating Priority Pass lounges by presenting your Digital Membership Card and airline boarding pass. In some lounges, Priority Pass members 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. Your Priority Pass benefit will be limited to lounge access only. Non-lounge airport experiences in the form of food and beverage credits at restaurants, cafes and bars are not available. 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, including house rules of participating lounges, and can be viewed at www.prioritypass.com/en-GB/conditions-of-use.

10. Complimentary Travel Insurance. American Express Gold Rewards Business Card^® Insurances are underwritten by Chubb Insurance New Zealand Limited (Company No. 104656) (Chubb) and are subject to the terms, conditions and exclusions (including age restrictions) contained in the American Express Gold Rewards Business Card Insurances policy of insurance between American Express International (NZ), Inc. (Company No. 867929) (American Express) and Chubb. This communication does not take into account your objectives, financial situation or needs. It is important for you to read the Terms and Conditions which can be found at http://americanexpress.co.nz/gold-business-insurance and consider the appropriateness of that insurance in relation to your individual requirements.

11. Points Expiry. There is no expiry on points as long as the Card Account is active, enrolled in Membership Rewards program and is kept in good standing and not overdue.

12. Shop with Points.You may use Points to make purchases at certain retailers listed on our website. You need to indicate at the time of purchase that you wish to Pay with Points. Individual retailers provide specific delivery and refund polices. Refund policies for Pay with Points retail Partners are subject to the Terms and Conditions of the retail Partner. The retailers’ conditions and refund policies may be amended by the retailers from time to time.

13. Dine with Points. Only American Express Cards issued by American Express International (NZ) Inc are eligible provided they are enrolled in the Membership Rewards programme. Business Cards affiliated with a wholesale partner are not eligible. All your accounts must be in good standing and not overdue. A minimum of 1,000 points must be redeemed at any one time. Offer available for all eligible transactions charged and billed on your Account, including charges made by Additional Card Members, when dining in at participating location Dining Collection restaurants only. Some locations are excluded, please refer to the full list of participating restaurant locations before dining. Participants in this program may change without notice. Excludes spend on gift vouchers, online orders for pick up or delivery and transactions where you do not spend directly at a participating location Dining Collection restaurant. Excludes transactions made through a third-party establishment or payment processor, apart from Windcave. You must Use Points for Charges within two months of the eligible purchase appearing on your Card Account to receive the added value. For this offer a minimum of $7.50 must be paid by Membership Rewards points in a single redemption for Use Points for Charges. American Express will select and display each eligible charge for Use Points for Charges (“Eligible Charge”) and the Points required to pay for the Eligible Charge. A credit will appear on your statement identified as “Membership Rewards Credit”. Use Points for Charges transactions can only be completed online (https://www.americanexpress.com/en-nz/rewards/membership-rewards/agency/American-Express/NZ-Dining-Collection-Dine-with-Points/SPWPDINE).

14. Airline and Hotel Transfer Partners. To redeem points to any Frequent Traveller Program you must be a member of the applicable Program. Enrolment in such Programs is solely your responsibility and fees may apply. The minimum requirement and transfer rate varies. Subject to the Membership Rewards Terms and Conditions.​

15. 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.​

16. Cover Charges with Points. Points will be debited from your Membership Rewards account and a credit placed on your Card in line with the points chosen to be used for the Eligible Charge. A minimum of 1,000 Membership Rewards points is required for any Use Points for Your Charges transaction. Any credit to your Card Account cannot exceed the amount of the relevant Eligible Charges. A credit will appear on your statement identified as “Membership Rewards Credit”. Points will be debited immediately, and the credit will take up to 72 hours to appear online. Credits processed after the Card Account’s statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card Account by the due date. Use Points for Charges is not redeemable for cash via Credit balance refund. American Express will select and display each eligible charge for Use Points for Your Charges (“Eligible Charge”) and the Points required to pay for the Eligible Charge. Each Eligible Charge must: (a) appear within the first 150 transactions of 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. Use Points for Your Charges transactions can only be completed online. Use Points for Your Charges is available only to Primary Card Members enrolled in the New Zealand Membership Rewards programme and is subject to the full Membership Rewards Terms and Conditions.

17. Hilton Honors Silver Status.
[1] As an eligible Card Member you are eligible to enrol in complimentary Hilton Honors Silver status. Offer available only to eligible Card Members and is not transferable. Full details of Silver status can be found at HiltonHonors.com/MemberBenefits and is subject to change by Hilton. Silver status benefits are subject to availability at participating hotels and resorts within the Hilton Portfolio. Once you request enrolment in Hilton Honors Silver status, American Express will share your enrolment information with Hilton. Hilton may use this information in accordance with its privacy policy available at Hilton.com/PrivacyPolicy. If you already have Hilton Honors Silver Status, you can maintain the benefit in the future because you don’t need to meet any stay requirements. You maintain Silver status without meeting otherwise required criteria only while an eligible cardholder or until American Express notifies you that the benefit is terminated. Hilton Honors™ membership, earning and redemption of Points are subject to Hilton Honors Terms & Conditions. Visit HiltonHonors.com/Terms for more details.
[2]. Eligibility for all on-property Hilton Honors benefits subject to full Hilton Honors Terms & Conditions.
[3]. Base Points are earned from the Hilton Honors Program when you stay at hotels and resorts within the Hilton Portfolio. Bonus Points do not qualify for the 20% bonus.
[4]. Complimentary 5th Reward Night on Standard Room reward stays of 5 nights or more. Complimentary night value based on the average nightly value of the stay, up to 4 complimentary nights on a stay of 20 consecutive nights within the same stay.
[5]. Wi-Fi may not be complimentary in meeting spaces or at properties with a resort charge.

18. Hertz Gold Plus Rewards. Enrolment in the Hertz Gold Plus Rewards program is required. Enrolment takes place on the Hertz website and American Express will not receive your membership number or be able to update your status on this site. You will receive your membership number directly from Hertz when you enrol - please keep this safe for future reservations.
Hertz Gold Plus Rewards enrolment is required to access the benefits, please enrol at www.hertz.com/amexbenefits. 10% off Hertz's publicly available retail car rental rates excludes Special Offers and is offered at time of booking at participating Hertz locations worldwide. One car-class upgrade applies to standard vehicles only, on rentals of five consecutive days or more, and is subject to availability. Fee-Waived Additional Driver, must be requested at rental location prior to collection and is subject to meeting Hertz's driving requirements. In all cases, a valid American Express Gold Rewards Business Card must be registered as the form of payment in your Gold Plus Reward membership profile. Benefits are only available for new reservations and Terms Apply - visit the website for full Terms and Conditions Hertz.com/AmexBenefits. Reservations can be made via americanexpress.co.nz/travel, Hertz.com or through Hertz worldwide telephone reservations when the member’s Preferred Rewards Gold Card benefits-enabled Gold Plus Rewards membership number is entered prior to completion of the booking. Enrolment takes place on the Hertz website and American Express will not receive your membership number or be able to update your status on this site. You will receive your membership number directly from Hertz when you enrol – please keep this safe for future reservations.

19. Digital Wallets. Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries and regions.
Google Pay is a trademark of Google LLC.

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

*Data based on acceptance locations as of Dec 2025. Locations in force represent proprietary and partner acquired merchant locations where the merchant is enabled to accept American Express. LIF estimates incorporate data provided to us by certain third parties.

**Locations estimate as of December 2025, which reflects an estimated 37 million merchants that accept American Express in China (including through digital wallets). LIF represents proprietary and partner acquired merchant locations where the merchant is enabled to accept American Express. LIF estimates incorporate data provided to us by certain third parties and include merchants that accept American Express through payment facilitators and digital wallets.

***Based on American Express Merchant locations setup in New Zealand between January 2025 and December 2025, including through payment facilitators.