There’s no single best Credit Card for everyone, what matters most is finding one that aligns with your financial goals, spending habits and credit profile. Comparing fees, interest rates and types of benefits offered will help you find the best fit.

To choose the right Credit Card, it’s important to start by understanding how and why you plan to use it, whether you want to earn rewards on everyday purchases, enjoy Interest-free days, access travel perks or shopping benefits. Different Cards are designed for different needs, for example:

• Rewards Cards let you earn rewards points like Amex Membership Rewards^® points²³ or Airpoints^TM8 on eligible spend;
• Low Rate Credit Cards can help reduce interest costs;
• No Annual Fee Cards can help minimise yearly costs;

Membership Rewards^® points with Amex and Airpoints^TM (earned through the Air New Zealand Koru programme) are both rewards you can earn on eligible spend on Amex Cards, but they work differently.

Amex Membership Rewards is a flexible rewards programme²³ that lets you choose from a wide range of options to use your points such as:

• Using your points for travel and pay for your eligible flight, prepaid hotel or car rental when you book with American Express Travel; or transferring your points to major Airline and Hotel Rewards partners²⁴;
• Covering eligible transactions you’ve made on your Card with points²⁵ and reduce your balance;
• Redeeming your points for a credit to your Card;
• Redeem your points for Gift Cards²⁶ from leading brands across travel and retail;

The value of your points is variable and depends on how you choose to use them.

Koru is Air New Zealand’s loyalty programme. When enrolled, you earn Airpoints^TM, which are transferred to your Koru account each month and can be used for:
Flights with Air New Zealand and its partners;

• Hotels;
• Upgrades;
• Holiday packages;
• Car rentals;
• To shop at the Airpoints Store;

The value of your Airpoints^TM is fixed based on the Earn Rate of your Card (i.e. 1 Airpoints^TM per $100 spent on eligible purchases¹⁶ with the Amex Airpoints Card or 1 Airpoints^TM per $70 spent on eligible purchases⁸ with the Amex Airpoints Platinum Card).

To apply for an American Express personal Card, you need to:

• Be aged 18 years or over;
• Be a citizen or permanent resident of New Zealand or have the right to work in New Zealand;
• Have a good credit history and no payment defaults;

You can apply for an Amex Card in a few simple steps online:

1. Select the Amex Card that suits your needs and click ‘Apply Now’;
2. Check the eligibility requirements and the documents you will need (e.g. Drivers Licence, income information, details of your living expenses) on the pre-application page;
3. Click ‘Start Application’ and complete the online application form;

1. Platinum Bonus & Eligibility. 160,000 Bonus Membership Rewards^® Points is only available to new American Express^® Card Members who apply online by 30 November 2026, are approved and spend $2,500 or more on eligible purchases on the American Express Platinum Credit Card in the first 3 months from the 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 Card product issued by American Express International (NZ), Inc. in the past 18-month period are ineligible for this offer. 160,000 Membership Rewards Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. Subject to the Terms and Conditions of the Membership Rewards Programme. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. The American Express Platinum Card has an annual fee of $850. Offer subject to change without notice.

2. Membership Rewards Programme. There is no expiry date for points earned while in the programme so long as you are an American Express Card Member enrolled in Membership Rewards^® Programme, and your Account is kept in good standing and is not overdue.

3. Annual Dining Credit. Valid 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 (amex.co.nz/platinumdining). Limited to one $150 credit each defined calendar period, per Platinum Card Account. The defined calendar periods are between 1 January and 30 June, and between 1 July and 31 December. Limited to a maximum of two credits at a total of $300 each year, per Platinum Card Account. Your Card must be charged prior to the end of each defined calendar period to be eligible for the credit in the defined calendar period. Spend on Additional Cards will count towards the offer. Excludes spend on gift vouchers, online orders for pick up or delivery and transactions where you do not spend directly with your Card at a participating location Dining Collection restaurant. Credit should appear on your billing statement within 5 business days from qualifying spend but may take up to 90 days from the end of the defined calendar period. Excludes transactions made through a third-party establishment or payment processor, apart from Windcave. Credit is not redeemable for cash or other payment form. Credit will not be applied to your Platinum Card Account if your Card has been suspended or cancelled. Credit may be reversed if your qualifying purchase is refunded or cancelled.

4. Accor+ Explorer Membership. An annual ALL Accor+ Explorer Membership is valued at NZ$379, found at accorplus.com/nz/benefits as of 1 October 2025. Eligible American Express Card Members are required to enrol to receive a complimentary ALL Accor+ Explorer membership. An ALL Accor+ Explorer membership is available only to the Primary Platinum Card Member. Membership privileges will only be granted on presentation of a valid membership card, and a member must identify themselves as an ALL Accor+ Explorer member at time of booking. Accommodation bookings must be made in advance through the ALL.com app. American Express reserves the right to instruct Accor Plus to cancel your membership if you cease to be a Platinum Card Member or your Account is not in good standing. Complimentary membership is a continuing benefit of your American Express Platinum Card; however American Express reserves the right to discontinue the benefit, upon providing you with reasonable notice. Once enrolled, enrolment continues for at least 12 months. If you become ineligible for this benefit or if this benefit ends, the ALL Accor+ Explorer membership standard eligibility criteria will apply to you. A Stay Plus Free Nights may be subject to availability at participating properties. Use of the Stay Plus is subject to the conditions as listed on www.accorplus.com/nz/terms-and-conditions. Membership privileges are subject to exceptions listed at accorplus.com/nz/benefits-exceptions. Dining and drinks discounts do not apply to room service, mini bars, meeting rooms, selections from the kids’ menus or takeaways, and public holidays or during special events. For more information, please visit here: accorplus.com/benefits/more-flavours. Dining privileges are subject to the Accor Plus membership terms and conditions which are found here:  accorplus.com/nz/terms-and-conditions.

5. The American Express Platinum Card Insurance. IMPORTANT INFORMATION: No matter where you are in the world, if the unexpected happens on your travels and a medical emergency arises, your first port of call is Chubb Assistance. When an emergency arises, and to ensure you get appropriate, and fast, treatment from a doctor who speaks your language, you should contact Chubb Assistance on +64 9 374 1774 or the number on the back of your Card as soon as reasonably possible when seeking medical treatment, or you may be responsible for your medical expense costs. The American Express Platinum Card insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits) – see the full terms and conditions available at go.amex/nzplatinuminsurance. You must use your American Express Platinum Card to pay for your return trip in order to be eligible for the travel insurance or pay for eligible items in order to be covered under the insurance. The insurance is underwritten by Chubb Insurance New Zealand Limited (Company Number 104656, FSP No. 35924)) under a group policy held by American Express International (NZ), Inc. (Company Number 867929). Card Members are not a party to the group policy, but may be able to claim under it as third party beneficiaries. This information does not take into account your personal circumstances, objectives, financial situation or needs and does not constitute financial advice. You should consider the terms, conditions, exclusions and limitations of the policy, and obtain financial advice if required, before making any decisions about the insurance policy.

6. Global Lounge Collection
This benefit is available to American Express Platinum Card^® Members. Eligibility and complimentary access vary by lounge and are governed by the individual lounge terms outlined below. Some airport lounge providers may require presentation of your physical Platinum Card for entry. We highly recommend travelling with your physical Card as some lounges may not accept digital Cards. American Express reserves the right to revise these rules from time to time, and may do so without prior notice, but will provide advance notice of material changes where reasonably practical. If American Express^®, in its sole discretion, determines that the Card Member and their guests have engaged in abuse, misuse, or gaming in connection with access to the Global Lounge Collection lounges in any way, we may cancel your American Express Account.

The Centurion^® Lounge
Primary and Additional Platinum Card Members have complimentary access to participating locations of The Centurion Lounge. Platinum Card Members may bring one (1) complimentary guest into The Centurion Lounge locations in the U.S. and select international locations as set forth on the Centurion Lounge website at thecenturionlounge.com (the “Centurion Lounge Website”). Guest access policies (including, but not limited to, guest fees and number of complimentary guests per visit) applicable to international locations of The Centurion Lounge may vary by location and are subject to change. Visit the Centurion Lounge Website to learn more about lounge locations and guest access policies applicable to international Centurion Lounge locations. For more information specific to Australian Lounge access, visit americanexpress.com.au/airportlounge. All guests must be travelling on the same flight as the Card Member. If you have paid for additional guests and choose to visit multiple locations of The Centurion Lounge on the same day, guest fees will apply at each location. All access to The Centurion Lounge is subject to space availability. To access The Centurion Lounge, Platinum Card Members must arrive within 3 hours of their departing flight. During a layover, Card Members must arrive within 5 hours of their connecting flight. Same day round-trip itineraries are not considered connecting flights. Card Members will not be granted access to the lounge with a boarding pass for a flight that has landed at the final destination. Upon arrival at The Centurion Lounge, Platinum Card Members must present The Centurion Lounge agent with the following upon each visit: their valid Platinum, a boarding pass showing a confirmed reservation for a departing flight on the same day on any carrier and a government-issued I.D. Name on boarding pass must match name on the Card. Failure to present this documentation may result in access being denied. Refer to the specific location’s access policy for more information. Card Members must be at least 18 years of age to enter without a parent or legal guardian. All Centurion Lounge visitors must be of legal drinking age in the jurisdiction where the Lounge is located to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behaviour or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Soliciting other Card Members for access into our lounge is not permissible. Hours may vary by location and are subject to change. Amenities vary among The Centurion Lounge locations and are subject to change. Card Members will not be compensated for changes in locations, rates or policies. In addition to the complimentary services and amenities in the Lounge, certain services, products or amenities may be offered for sale. You are responsible for any purchases and/or servicing charges you make in The Centurion Lounge or authorise our Member Services Professionals to make on your behalf. Services available at the Member Services Desk are based on the type of American Express Card used to enter the Lounge. American Express will not be liable for any articles lost or stolen or damages suffered by visitors to The Centurion Lounge. If American Express®, in its sole discretion, determine that you have engaged in abuse, misuse, or gaming in connection with lounge access in any way, we may remove access to The Centurion Lounge from your Platinum Account. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise these rules from time to time, and may do so without prior notice, but will provide advance notice of material changes where reasonably practical.

Sidecar by The Centurion^® Lounge
Primary and Additional Platinum Card Members have complimentary access to Sidecar by The Centurion^® Lounge. Please visit thecenturionlounge.com for more information on Sidecar by The Centurion Lounge availability. Platinum Card Members may bring one (1) complimentary guest into The Sidecar by The Centurion Lounge locations. All guests must be travelling on the same flight as the Card Member. All access to Sidecar by The Centurion Lounge is subject to space availability. To access Sidecar by The Centurion Lounge, Platinum Card Members must arrive within 90 minutes of their departing flight (including a connecting flight during a layover) and present the Sidecar by The Centurion Lounge agent with the following upon each visit: their valid Platinum Card, a boarding pass showing a confirmed reservation for a departing flight on the same day on any carrier and a government-issued I.D. Name on boarding pass must match name on the Card. Failure to present this documentation may result in access being denied. Card Members must be at least 18 years of age to enter without a parent or legal guardian. All Sidecar by The Centurion Lounge visitors must be of legal drinking age in the jurisdiction where Sidecar by The Centurion Lounge is located to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from Sidecar by The Centurion Lounge for inappropriate behaviour or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Soliciting other Card Members for access into Sidecar by The Centurion Lounge is not permissible. Hours may vary by location and are subject to change. Amenities vary among Sidecar by The Centurion Lounge locations and are subject to change. Card Members will not be compensated for changes in locations, rates or policies. In addition to the complimentary services and amenities in Sidecar by The Centurion Lounge, certain services, products or amenities may be offered for sale and you are responsible for any purchases of such services, products or amenities. Services available at the Member Services Desk are based on the type of American Express Card used to enter Sidecar by The Centurion Lounge. American Express will not be liable for any articles lost or stolen or damages suffered by visitors to Sidecar by The Centurion Lounge. If American Express^®, in its sole discretion, determine that you have engaged in abuse, misuse, or gaming in connection with Sidecar by The Centurion Lounge access in any way, we may remove access to Sidecar by The Centurion Lounge from your Platinum Account. Use of Sidecar by The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise these rules from time to time, and may do so without prior notice, but will provide advance notice of material changes where reasonably practical.

Escape Lounges
This benefit is available to Primary and Additional Platinum Card Members. Card Members receive complimentary access to all Escape Lounge locations throughout North America, Central America, the Caribbean and South America, including Escape Lounges - The Centurion^® Studio Partner locations. Card Members may bring up to two (2) complimentary guests per visit. To access an Escape Lounge, Card Members must present their valid Platinum Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. Name on boarding pass must match name on the Card and the eligible flight must be booked on your American Express Platinum Card. For access at select locations, Card Members must arrive within 3 hours of their departing flight. Refer to the specific location’s access policy for more information. During a layover Card Members may use the Escape Lounge in the connecting airport at any time. For more information on access policies and lounge terms and conditions, see escapelounges.com. All access to an Escape Lounge is subject to space availability. Card Members must be at least 18 years of age to enter without a parent or legal guardian. All Escape Lounge visitors must be of legal drinking age in the jurisdiction where the Lounge is located to consume alcoholic beverages. Please drink responsibly. Card Members must adhere to all house rules of participating lounges. Card Members and their guests will receive all the complimentary benefits and amenities afforded to the Escape Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. American Express reserves the right to revise these rules from time to time, and may do so without prior notice, but will provide advance notice of material changes where reasonably practical. Additional restrictions may apply.

Delta
Delta Sky Club access is operated by Delta Air Lines and is subject to Delta’s access rules, conditions and availability. For the most current Delta Sky Club access and pricing policy, please visit delta.com/skyclub. Benefit and rules subject to change. Additional restrictions may apply.
This benefit is available to Primary and Additional Platinum Card Members. Platinum Card Members and any guests traveling with Delta Main Basic (Basic Economy) fare tickets do not have access to this benefit. Platinum Card Members must present their valid American Express Platinum Card, government-issued I.D., and boarding pass for entry. Boarding pass must show a reservation for a same-day Delta-operated flight (Delta or Delta connection) or Delta-marketed flight operated by WestJet (ticket number starting with 006) departing from or arriving at the airport in which the Delta Sky Club is located. Name on boarding pass must match name on the Card. Eligible Platinum Card Members on departing flights can only access the Delta Sky Club within three hours of their flight's scheduled departure time or any time during a layover. Delta reserves the right to limit access for non-revenue flyers at any Delta Sky Club. Access to Delta Sky Club partner lounges is not permitted. Individuals must be at least 18 years of age to access Delta Sky Club, and 21 years of age to access locations with a self-service bar, unless accompanied by a responsible, supervising adult who has access to the lounge. Eligible Card Members must adhere to all Delta Sky Club House Rules while accessing participating airport clubs. Participating airport clubs and locations subject to change. Eligible Platinum Card Members may bring guests into the Delta Sky Club subject to the most current Delta Sky Club access and pricing policies, and must use their valid Platinum Card as the payment method for guest access. Guests must also be flying on a same-day Delta-operated flight or Delta-marketed flight operated by WestJet (ticket number starting with 006). Children under 2 years of age may accompany the Eligible Platinum Card Member for free. Guest access and fees subject to terms and conditions of participating airport clubs.

Plaza Premium Lounges
Plaza Premium Lounge access is operated by Plaza Premium and is subject to Plaza Premium’s access rules. Plaza Premium Lounge locations, benefits and rules are subject to change. Primary and Additional Platinum Card Members have complimentary access to participating global locations of Plaza Premium Lounges. Platinum Card Members may bring one (1) complimentary guest into Plaza Premium Lounges. Card Member must present their valid Platinum Card, a confirmed boarding pass for same-day travel on any carrier and government-issued I.D. Minimum age requirements may vary by location, and in some lounges. Card Members must be 21 years of age to enter without a parent or guardian. If you have paid for additional guests and choose to visit multiple Plaza Premium lounges on the same day, guest fees will apply at each location. Card Members must adhere to all house rules of participating lounges. Card Members and their guests will receive all of the complimentary benefits and amenities afforded to the Plaza Premium Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges.

Priority Pass™
Priority Pass is an independent airport lounge access program. This benefit is available to Primary Platinum Card Members only. Primary Platinum Card Members may bring one (1) complimentary guest into Priority Pass Lounges that admit guests. You acknowledge and agree that American Express will verify your Card Account number and provide updated Card Account information to Priority Pass. Priority Pass will use this information to fulfill on the Priority Pass program and may use this information for marketing related to the program. Once enrolled, Platinum Card Members whose Card Account is not cancelled may access participating Priority Pass lounges by presenting your physical or digital Priority Pass card and airline boarding pass. If the Card Account is cancelled, you will not be eligible for Priority Pass and your enrolment will be cancelled. At any visit to a Priority Pass lounge that admits guests, Platinum Card Members may bring one (1) complimentary guest. You will be charged the prevailing retail rate for any additional guests. If you have paid for additional guests and choose to visit multiple Priority Pass lounges on the same day, guest fees will apply at each location. Some lounges do not admit guests. Minimum age requirements may vary by location, and in some lounges, Priority Pass member must be 21 years of age to enter without a parent or guardian. Priority Pass members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package, and can be viewed at prioritypass.com. Upon receipt of your enrolment information, Priority Pass will send your Priority Pass card and membership package which you should receive within 10-14 business days. If you have not received the Priority Pass card after 14 days, please contact American Express using the number on the back of your American Express^® Card. To access lounges before your physical Priority Pass card arrives, call the number on the back of your Platinum Card to obtain your Priority Pass membership details. You can then activate your membership online and receive a digital membership card. For a step-by-step guide on the activation process, visit prioritypass.com/activation. If American Express®, in its sole discretion, determines that the Card Member and their guests have engaged in abuse, misuse, or gaming in connection with access to the Priority Pass Lounge in any way, we may cancel your Priority Pass membership. This benefit is subject to change.

Additional Global Lounge Collection Partner Lounges
American Express offers access to additional lounges in the Global Lounge Collection where Platinum Card Members have complimentary access to participating locations. Card Members must present their valid Platinum Card, a government-issued I.D., and a boarding pass showing a confirmed reservation for same-day travel on any carrier. Guest access and associated fees are subject to the terms and conditions of the participating lounge provider. Participation, locations, rates, and policies of lounges are subject to change, and Card Members and their guests will not be compensated for such changes. Amenities, services, and hours may vary by participating lounge and are subject to change. American Express and the participating lounge will not be liable for any articles lost or stolen, or damages suffered by the Card Member or guests inside the participating lounge. For participating lounges with a self-service bar, the Card Member may be required to be of legal drinking age in the participating lounge jurisdiction to enter without a parent or legal guardian. All Card Members and their guests must be of legal drinking age in the jurisdiction where the lounge is located to consume alcoholic beverages. Please drink responsibly. Each participating lounge may have their own policy allowing for children under a certain age to enter for free with the Card Member who is a parent or legal guardian. Card Members must adhere to all house rules of participating lounges. If American Express, in its sole discretion, determines that the Card Member or their guests have engaged in abuse, misuse, or gaming in connection with access to participating lounges in any way, we may remove access to the Additional Lounges from your Platinum Account. American Express and the participating lounge reserve the right to revise the rules at any time. For the most current list of participating lounges and access requirements, please use the Lounge Finder feature americanexpress.co.nz/platinumlounges.

7. Airpoints Platinum Offer Bonus & Eligibility. Offer only available to new American Express Card Members who apply by 28 October 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 purchases of American Express Travellers Cheques, Gift Cards or for purchases of Foreign Exchange, cash advances, balance transfers, interest, annual Card fees or other fees and charges billed to the account. 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. 400 bonus Air New Zealand Airpoints Dollars 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.

8. Airpoints Terms & Conditions. Subject to the American Express Airpoints Platinum Card Benefits Terms and Conditions available here. Status Points and Airpoints Dollars are not earned on purchases of American Express Travellers Cheques, Gift Cards or for purchases of Foreign Exchange, cash advances, balance transfers, interest, annual Card fees or other fees and charges billed to the account. Air New Zealand Airpoints Programme terms and conditions also apply. Airpoints Dollars and Status Points earning rates are subject to change with reasonable notice

9. Status Points. You can earn up to half the Status Points you need to reach or maintain your Silver or Gold Airpoints tier status by making purchases on your Credit Card. You need to earn at least 900 Status Points on Air NZ operated flights to change from Gold to Gold Elite, and 810 Status Points on Air NZ operated flights to maintain Gold Elite, and the balance can be earned by making purchases on your Credit Card. Visit airnewzealand.co.nz/airpoints for details of the number of Status Points required. For full list of exclusions, please refer to The American Express Airpoints Platinum Card Benefits Terms and Conditions available here.

10. Insurance. For all non-emergency insurance claims, please follow the link www.americanexpress.com/newzealand/claims. This insurance is subject to Terms, Conditions and exclusions – see the full insurance Terms and Conditions for your American Express Airpoints Platinum Card available at here. You must use your American Express Airpoints Platinum Card to pay for your return trip or eligible items to be covered under the insurance or pay for your smartphone or monthly contract in order to be covered under the Smartphone Screen Insurance. Maximum of 2 claims per 12 month period, per Account, maximum cover of $500 per claim and an excess of 10% of the claimed amount applies. Waiting periods may apply. The insurance is underwritten by Chubb Insurance New Zealand Limited (Company No. 104656) under a group policy held by American Express International (NZ), Inc. (Company Number 867929). Card Members are not a party to the group policy, but may be able to claim under it as third party beneficiaries. This communication does not take into account your objectives or financial situation. You should read the full Terms and Conditions to decide if this insurance meets your needs. Domestic & International Travel Insurance. American Express Airpoints Platinum Card Insurances are underwritten by Chubb Insurance New Zealand Limited (Company No. 104656) (Chubb) and are subject to the terms, conditions and exclusions contained in the American Express Airpoints Platinum Card Insurances policy of insurance between American Express International (NZ) Inc. (Company No. 867929) (American Express) and Chubb. This product page does not take into account your objectives, financial situation or needs. It is important for you to read the terms and conditions and consider the appropriateness of that insurance in relation to your individual requirements.

11. Priority Pass. Enjoy access to over 1,300 lounges in 148 countries, please visit www.prioritypass.com and log in for a list of available lounges. Subject to the Terms and Conditions of the Priority Pass^TM program. Priority Pass is an independent airport lounge access program. Basic American Express Airpoints Platinum Card Members are entitled to two complimentary visits 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. Some lounges do not admit guests. To access participating Priority Pass lounges, present your Priority Pass card and confirmed airline boarding pass. In some lounges, Priority Pass member must be 21 years of age to enter without a parent or guardian. Priority Pass members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, including house rules of participating lounges, and can be viewed at www.prioritypass.com. Enrolment required. Please allow 4-6 weeks from enrolment to receive your Priority Pass card and membership package. To enrol click here (upon Amex Card receipt). Once you are successfully enrolled, your physical membership card, membership number and online PIN will be sent to you.

12. Gold Rewards Card Bonus & Eligibility. To receive $200 Credit, you must apply online, be approved and spend $1,500 or more on eligible purchases on your new Card in the first 3 months from the Card approval date. Please allow 8–10 weeks for the credit to be credited to your Account after the spend criteria has been met. Card Members who opt in to receiving payment alerts, may receive a payments received email once the $200 Credit has been applied to their Account. The credit is not redeemable for cash or other payment form. The credit will not be applied to your Account if it has been suspended or cancelled. The Statement Credit may be reversed if your qualifying purchase is refunded or cancelled. Card Members who currently hold or who have previously held any Card product issued by American Express International (NZ), Inc. in the preceeding 18 month period are ineligible for this offer. Eligible purchases do not include annual Card fees, cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer and may be removed at any time.

13. Annual Dining Credit. Valid at participating Dining Collection restaurants only. Limited to one $100 credit each defined calendar period, per Gold Rewards Card Account. The defined calendar periods are between 1 January and 30 June, and between 1 July and 31 December. Limited to a maximum of two credits at a total of $200 each year, per Gold Rewards Card Account. Your Card must be charged prior to the end of each defined calendar period to be eligible for the credit in the defined calendar period. Spend on Additional Cards will count towards the offer. Excludes transactions where you do not spend directly with your Card at a participating Dining Collection restaurant. Credit should appear on your billing statement within 5 business days from qualifying spend but may take up to 90 days from the end of the defined calendar period. Excludes transactions made through a third-party establishment or payment processor. Credit is not redeemable for cash or other payment form. Credit will not be applied to your Gold Rewards Card Account if your Card has been suspended or cancelled. Credit may be reversed if your qualifying purchase is refunded or cancelled. If you hold multiple American Express Cards linked to one Membership Rewards® account, the Credit will be credited to the Primary Card Account only.

14. Complimentary Travel Insurance. The American Express Gold Rewards Card insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre- existing medical conditions and cover limits) - see the full terms and conditions available here. You must use your American Express Gold Rewards Card to pay for your return trip in order to be eligible for the travel insurance in order to be covered under the insurance. The insurance is underwritten by Chubb Insurance New Zealand Limited (Company No. 104656) under a group policy held by American Express International (NZ), Inc. (Company Number 867929). Card members are not a party to the group policy, but may be able to claim under it as third party beneficiaries. This website does not take into account your objectives or financial situation. You should read the full terms and conditions to decide if this insurance meets your needs.

15. Airpoints Card Bonus & Eligibility. Offer only available to new American Express Card Members who apply online, are approved and spend $750 on their new Card in the first 3 months from Card approval date. 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. 50 bonus Air New Zealand Airpoints Dollars 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.

16. Airpoints Terms & Conditions. Airpoints Dollars are earned in accordance with the American Express Airpoints Card Terms and Conditions. Exclusions apply. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for Traveller's Cheques, Gift Cheques and Foreign currencies or annual Card fees or other fees and charges billed to the account. These do not earn Airpoints Dollars. For the full list of exclusions, please refer to the American Express Airpoints Card Terms and Conditions available here.

17. Introductory Interest Rate. Offer only available to new American Express Airpoints Card Members who apply and are approved. The 0% p.a. introductory rate applies to purchases for six months commencing the day the account is opened. Any balances transferred including from your existing American Express Card, cash advances and fees are excluded from the 0% introductory interest rate. At the end of the six-month introductory period, the interest rate for new charges and any remaining balances will revert to the prevailing interest rate at that time. Interest rates are current as at 3 May 2023 and subject to change. Visit here for more information.

18. Additional Cards. Additional Credit Card Members must be over 18 years of age. You will be liable for all Additional Credit Card spending.

19. Introductory Interest Rate. Offer only available to new American Express Low Rate Credit Card Members. The 2.99% p.a. introductory rate applies to purchases for six months commencing the day the account is opened. Any balances transferred including from your existing American Express Card, cash advances and fees are excluded from the 2.99% p.a. introductory interest rate. At the end of the six-month introductory period, the interest rate for new charges and any remaining balances will revert to the prevailing interest rate at that time. Visit here for more information.

20. Interest Rates. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 10 December 2021 and are subject to change. This interest rate does not apply for Cash Advances and fees relating to Cash Advance.

21. 55 Days Interest Free. You will have up to 55 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued.

22. 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.

23. Membership Rewards Programme. Subject to the Terms and Conditions of the Membership Rewards Programme available at www.membershiprewards.co.nz/ termsandcondition.

24. Membership Rewards Points Transfer. Subject to the Terms and Conditions of the Membership Rewards Programme available at www.membershiprewards.co.nz/termsandconditions. To transfer Membership Rewards points into an airline partner programme or a frequent guest partner programme, you must be a member of the partner programme. Membership of the partner programme is the Card Member's responsibility and is subject to the terms and conditions of the applicable programme. A joining fee may apply. Minimum redemption amounts apply. Partners are subject to change. Visit membershiprewards.co.nz for details.

25. Points for Charges. 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. 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 Basic Card Members enrolled in the New Zealand Membership Rewards programme and is subject to the full Membership Rewards Terms and Conditions.

26. Gift Cards. All rewards are subject to availability. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of 3 years from the date of issue, unless otherwise stated. Normal retailer Gift Card and voucher conditions apply.

27. 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.

*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.