1. 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 available for redemption by Corporate Cards, Allied Liquor and Tasman Liquor American Express Gold Business Cards, and is not redeemable for cash via Credit balance refund. 2. 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. 3. 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 Basic Card Members enrolled in the New Zealand Membership Rewards programme and is subject to the full Membership Rewards Terms and Conditions.