Do you want more Rewards, or less Rewards?
Get the fastest Airpoints DollarTM earning Platinum Card.
The American Express Gold Rewards Card
Get $200 back when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. T&Cs apply1.
Earn 2 Membership Rewards points per $1 spent2.
Get up to $200 Dining Credit3
Annual Fee: $200 p.a
The American Express Airpoints Platinum Card
Be rewarded with 300 bonus Airpoints Dollars™ when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only.4
$59 spend = 1 Airpoints DollarTM5 Annual Fee: $195 p.a
The American Express Airpoints Card
50 bonus Airpoints Dollars™ when you apply, are approved and spend $750 on your new Card within the first 3 months. New Card Members only 6.
Annual Fee: $0 p.a
The Low Rate Credit Card from
American Express®
Enjoy an introductory interest rate of just 2.99% p.a on purchases for 6 months.7 Add up to 4 additional Cards with no annual fee.8
Annual Fee: $59 p.a
The American Express Platinum Card®
100,000 bonus Membership Rewards points. When you apply online for the Platinum Card, are approved, and spend $1,500 on purchases on your new Card within the first 3 months. New Card Members only9.
Get access to Platinum Travel Service and Platinum Concierge.10
Annual Fee: $1,250 p.a
American Express with Apple Pay.
Make simple and secure purchases with American Express and Apple Pay®. With a quick setup on your Apple device, you can make payments on the go.
Easy. Secure. Rewarding.
Apple Pay is a trademark of Apple Inc.
The American Express Airpoints Platinum Card
Get rewarded with 400 bonus Airpoints Dollars™ when you apply by 28 October 2026, are approved and spend $1,500 on your new Amex Airpoints Platinum Card within the first 3 months. New Amex Card Members only4.
$70 spend = 1 Airpoints DollarTM5
Card Type: Credit Card
Annual Fee: $195 p.a
The American Express Airpoints Card
50 bonus Airpoints Dollars™ when you apply, are approved and spend $750 on your new Card within the first 3 months. New Card Members only 6.
Card Type: Credit Card
Annual Fee: $0 p.a
The American Express Gold Rewards Card
Get $200 back when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. T&Cs apply1.
Earn 2 Membership Rewards points per $1 spent2.
Get up to $200 Dining Credit3
Card Type: Credit Card
Annual Fee: $200 p.a
The Low Rate Credit Card from American Express®
Enjoy an introductory interest rate of just 2.99% p.a on purchases for 6 months.7 Add up to 4 additional Cards with no annual fee.8
Card Type: Credit Card
Annual Fee: $59 p.a
American Express with Apple Pay.
Make simple and secure purchases with American Express and Apple Pay®. With a quick setup on your Apple device, you can make payments on the go.
Easy. Secure. Rewarding.
Apple Pay is a trademark of Apple Inc.
Learn more about the different types of Credit Cards
AirpointsTM, Rewards or No Annual Fee. Find out what Credit Card suits you best.
Discover how American Express Membership gives you more
Complimentary domestic flights, Travel Insurance, hotel stays and more.
Gift cards, shopping, entertainment, travel and more.
Special deals, pre-sale concert tickets, Member-only experiences, and other American Express benefits.
Secure Account features, access to 24/7 Global Support and more.
- 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.
- Membership Rewards Points Transfer. Subject to the Terms and Conditions of the Membership Rewards Programme available at https://www.americanexpress.com/en-nz/rewards/membership-rewards/terms. 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 https://www.americanexpress.com/en-nz/rewards/membership-rewards/terms for details.
- 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.
- 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.
- Airpoints Platinum Programme. 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 Cheques 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.
- 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.
- Introductory Interest Rate. Offer only available to new American Express Low Rate Credit Card Members who apply and are approved. 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.
- Additional Cards. Additional Credit Card Members must be over 18 years of age. You will be liable for all Additional Credit Card spending.
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From competitive earn rates and rewards to lower interest rates, American Express offers a complete range of
charge and credit Cards. Including the fastest Airpoints DollarTM earning Card.
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Airpoints Platinum Card
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The American Express Airpoints Platinum Card
The fastest Airpoints DollarTM earning Platinum
Card in NZ
Welcome Offer
300 bonus Airpoints DollarsTM️
Get rewarded with 300 bonus Airpoints DollarsTM when you apply, are approved and spend $1,500 on your new Amex Airpoints Platinum Card within the first 3 months. New Amex Card Members only1.
- $70 spend = 1 Airpoints DollarTM2.
- Complimentary overseas and domestic Travel insurance3.
- Access to 1,400+ airport lounges globally4.
- You’ll be covered for up to $500 towards front screen repairs and an excess of 10% of the claimed amount applies3.
- Card Type: Credit Card
- Annual Fee: $195 p.a
The American Express® Gold Rewards Card
Dining, Rewards, Gold or Rose Gold Metal Card
Welcome Offer
Get $200 back
When you apply, are approved and spend $1,500 on your new Card
within the first 3 months. New Card Members only. T&Cs apply5.
- Competitive Membership Rewards earn rate. Earn 2 Membership Rewards® points per $1 spent2.
- Get up to $200 Dining Credit annually6.
- Complimentary overseas and domestic Travel insurance7 when you book and pay for your return trip with your Gold Rewards Card. Sub limits apply. Other terms, conditions and exclusions apply (such as maximum age limits, exclusions for pre-existing medical conditions and cover limits).
- Choose from the elegant Gold or Rose Gold new metal Card.
- Card Type: Credit Card
- Annual Fee: $200 p.a
The American Express Airpoints Card
Earn Airpoints Dollars with no annual fee
50 bonus Airpoints DollarsTM️
When you apply, are approved and spend $750 on your new Card
within the first 3 months. New Card Members only8.
- $0 Annual Card Fee.
- $100 spend = 1 Airpoints Dollar9.
- Enjoy 0% p.a. on purchases for the first 6 months, reverting to 22.95% p.a. thereafter10.
- Add up to 4 additional Cards with no extra fee.
- Card Type: Credit Card
- Annual Fee: $0 p.a
The Low Rate Credit Card from American Express
Benefit from a low rate and up to 55 days interest-free
Pay just 2.99% p.a. on purchases for the first 6 months15 then 12.69% p.a. on purchases thereafter16. New Card Members only.
- Add up to 4 additional Cards with no annual fee17.
- Get up to 55 days interest-free18.
- Card Type: Credit Card
- Annual Fee: $59 p.a
How to Apply
The fastest Airpoints DollarTM earning Platinum
Card in NZ
300 bonus Airpoints DollarsTM️
Get rewarded with 300 bonus Airpoints DollarsTM when you apply, are approved and spend $1,500 on your new Amex Airpoints Platinum Card within the first 3 months. New Amex Card Members only1.
- $70 spend = 1 Airpoints DollarTM2.
- Complimentary overseas and domestic Travel insurance3.
- Access to 1,400+ airport lounges globally4.
- You’ll be covered for up to $500 towards front screen repairs and an excess of 10% of the claimed amount applies3.
- Card Type: Credit Card
- Annual Fee: $195 p.a
Determine what kind of Credit Card suits you
The right Credit Card will offer services, rewards and benefits that suit your lifestyle and finances, so investigate your options before you apply.
Determine Eligibility
Each Credit Card has slightly different terms and conditions and eligibility criteria. Once you’ve chosen the Credit Card that best suits your needs, check if you’re eligible before you click the ‘Apply’ button.
Complete Application
To complete the online application for an American Express Credit Card, you’ll need the required documents listed out in the pre-application page.
Receive Card
You'll receive your Card in the mail once it's been approved.
American Express with Apple Pay.
Make simple and secure purchases with American Express and Apple Pay®. With a quick setup on your Apple device, you can make payments on the go.
Easy. Secure. Rewarding.
*Apple Pay is a trademark of Apple Inc.
75,000 places across NZ now welcome American Express Cards since the start of 2019*.
From groceries, fuel, to shopping online, earn rewards in the places you spend the most. Enjoy even more places that accept American Express, thanks to our collaboration with New Zealand's leading payment partners.
Discover the many benefits and joys of
American Express Membership
American Express Membership
Travel
Enjoy complimentary Travel Insurance on selected Cards, prestige hotel stays and more. Terms, conditions and exclusions apply.
Access & Offers
Special deals, pre-sale concert tickets, Member-only experiences, and other American Express benefits.
Rewards
Transfer your points to 9 airline partners (including Air New Zealand), to buy Gift Cards or pay off eligible purchases with your points10. The choice is yours.
Service & Security
Feel confident with secure Account features, our fraud guarantee, and 24/7 access to Global Support.
Global Card support
Amex support is there for you with help, wherever you are in the world, for whatever you need and whenever you need it. You can call our Customer Service Centre anytime, day or night. Just call the number on the back of your Card.
FAQs
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 free-interest 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® points12 or AirpointsTM2 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™ with Koru are both rewards points you earn on eligible spend on Amex Cards when enrolled but they work differently:
Amex Membership Rewards is a flexible rewards program12 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 partners19;
- Covering eligible transactions you’ve made on your Card with points20 and reduce your balance;
- Redeeming your points for a credit to your Card;
- Redeem your points for Gift Cards21 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 a rewards program tied to Air New Zealand Frequent Flyer program. Your Airpoints™ are transferred to your Koru Account each month and you can use them for22:
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™ is fixed based on the Earn Rate of your Card (i.e. 1 Airpoints™ per $100 spent on eligible purchases9 with the Amex Airpoints Card or 1 Airpoints™ per $70 spent on eligible purchases2 with the Amex Airpoints Platinum Card).
To apply for an American Express Consumer 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:
- Select the Amex Card that suits your needs and click ‘Apply Now’;
- 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;
- Click ‘Start Application’ and complete the online application form;
- Bonus & Eligibility. Offer only available to new American Express Card Members who apply online, are approved and spend $1,500 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. 300 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
- 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
- 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.
- 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 PassTM 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.
- 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.
- 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.
- 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.
- 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.
- 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
- 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.
- Bonus & Eligibility. Offer only available to new American Express Card Members who apply online for the Platinum Card, are approved and spend $1,500 on their new Card on eligible purchases in the first 3 months of Card Membership. 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. Eligible purchases do not include annual Card fees, cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. Membership Rewards Bonus Points will be awarded to the eligible Card Member’s account 8 to 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.
- Membership Rewards Programme. Subject to the Terms and Conditions of the Membership Rewards Programme available at www.membershiprewards.co.nz/ termsandcondition:
- The American Express Global Lounge Collection. Please note, some lounges may require you to present your physical Platinum Card to gain entry into their lounges. We highly recommend travelling with your physical Card as some lounges may not accept digital Cards.
The Centurion® Lounge: Platinum Card Members have complimentary access to all locations of The Centurion Lounge. Gold Card and Green Card Additional Cards on your Platinum account are not eligible for complimentary access. 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 and present The Centurion Lounge agent with the following upon each visit: their valid 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. Note that select lounges allow access to Card Members with a confirmed reservation for any same-day travel (departure or arrival). Refer to the specific location’s access policy for more information. 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 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 behavior 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 authorize 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 we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with lounge access in any way or that you intend to do so, we may remove access to The Centurion Lounge from the Account. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice.
The Centurion Lounge – Sydney & Melbourne, Australia: Guest access policies for The Centurion Lounges in Sydney and Melbourne, Australia may vary to the Global Lounge Collection terms. For more information on the Australian Lounges access, visit americanexpress.com.au/airportlounge.
Escape Lounges – The Centurion® Studio Partner: This benefit is available to the Platinum Card. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Card Members receive complimentary access to all US locations of the Escape Lounges. Card Members may enter with up to two complimentary guests. Card Member must present his or her valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. Card Member 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 Member 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 Escape Lounge customers, including access to purchase non- complimentary items. Some product features may be subject to additional charges. Escape Lounge locations are subject to change. Additional restrictions may apply.
Delta Sky Club: Effective January 1, 2024: Eligible Card Members travelling on a same-day Delta-operated flight with Basic Economy (E) fare tickets will not have access to the Delta Sky Club or to Grab and Go. This benefit is available to the Platinum Card Members. Platinum Card Members must present their valid American Express Card, government-issued I.D., and boarding pass to the Delta Sky Club ambassador. Boarding pass must show a reservation for a same-day Delta-operated flight (Delta or Delta connection) 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. During a connection between Delta-operated flights on the same ticket, you may use the Delta Sky Club in your connecting airport at any time during the layover. Delta reserves the right to limit access for non-revenue flyers at any Delta Sky Club. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. 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 without notice. 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. Guest access and fees subject to terms and conditions of participating airport clubs. For the most current Delta Sky Club access and pricing policy, please visit delta.com/skyclubaccess. All Delta Sky Club rules apply to Delta Sky Club membership and use. To review the rules, please visit delta.com/ skyclub. Benefit and rules subject to change without notice. Additional restrictions may apply.
Plaza Premium Lounges: This benefit is available to Platinum Card Members. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Card Members receive complimentary access to any global location of Plaza Premium Lounges. Card Member must present their valid Card, a confirmed boarding pass for same-day travel on any carrier and government-issued I.D. In some cases, Card Member must be 21 years of age to enter without a parent or guardian. Card Members may bring up to two (2) guests into Plaza Premium Lounges as complimentary guests. Card Member 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. Plaza Premium Lounge locations are subject to change.
Virgin Australia: Access is complimentary for Primary Platinum Card Member and one complimentary guest only. The Primary Platinum Card Member and guest must be travelling with Virgin Australia domestically on the same Virgin Australia flight. Access is to Virgin Australia-branded lounges in Australia only. Name on boarding pass must match the name on Platinum Card and boarding pass must be presented. The Platinum Card Member and guest must present their physical valid Card and same-day boarding pass (containing your Virgin Australia Velocity Frequent Flyer number and status) to Virgin Australia lounge agents. One guest per Primary Platinum Card Member permitted. All access is subject to space availability. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. This benefit is subject to change.
Lufthansa: This benefit isb available to Platinum Card Members. Additional Gold Cards and Additional Green Cards on your Platinum Card Account are not eligible for complimentary access. Platinum Card Members have complimentary access to select Lufthansa Business Lounges (regardless of ticket class) and Lufthansa Senator Lounges (when flying business class) when flying on a Lufthansa Group flight. To access the Lufthansa lounges, Platinum Card Members must present their valid Platinum, a government issued I.D., and a same-day departure boarding pass showing confirmed reservation on a Lufthansa Group flight (Lufthansa, SWISS and Austrian airlines). Card Members must adhere to all rules of participating lounges. Participating lounges and locations subject to change without notice. Additional guest access and fees subject to terms and conditions of participating lounges. In some Lounges the Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly.nFor the most current list of Lufthansa lounges, guest access requirements, rules, and pricing policy, please visit https://www.lufthansa.com/de/en/lounges.
Priority PassTM – Platinum Personal Charge Card: This benefit is available to Platinum Personal Charge Card Members. Platinum Card Members and one Additional Platinum Card Member as nominated by the Primary Card Member may enrol in the Priority PassTM program. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Priority Pass is an independent airport lounge access program. 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 Priority Pass card and airline boarding pass. If the Card Account is canceled, you will not be eligible for Priority Pass and your enrollment will be cancelled. At any visit to a Priority Pass lounge that admits guests, you may bring in 1 guest for no charge. You will be charged the prevailing retail rate for any additional guests. Some lounges do not admit guests. 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 www.prioritypass.com. Upon receipt of your enrollment 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 receive immediate access to the lounges after enrolling in Priority Pass, you can activate your membership online by using your Priority Pass membership details to receive a Digital Membership Card. For a step-by-step guide on the activation process, visit prioritypass.com/activation.
Priority PassTM – Platinum Business and Corporate Charge Cards: This benefit is available to Platinum Business and Corporate Charge Card Members. Platinum Card Members and one Employee Platinum Card Member as nominated by the Primary Card Member may enrol in the Priority PassTM program. Additional Gold Cards and Additional Green Cards on your Platinum account are not eligible for complimentary access. Priority Pass is an independent airport lounge access program. 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 Priority Pass card and airline boarding pass. If the Card Account is canceled, you will not be eligible for Priority Pass and your enrollment will be cancelled. At any visit to a Priority Pass lounge that admits guests, you will be charged the prevailing retail rate for any guests. Some lounges do not admit guests. 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 www.prioritypass.com. Upon receipt of your enrollment 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 receive immediate access to the lounges after enrolling in Priority Pass, you can activate your membership online by using your Priority Pass membership details to receive a Digital Membership Card. For a step-by-step guide on the activation process, visit prioritypass.com/activation.
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 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 without notice, 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 without notice. 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 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 Member 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, or that the Card Member or their guests intend to do so, we may remove access to the Additional Lounges from the Account. American Express and the participating lounge reserve the right to revise the rules at any time without notice. For the most current list of participating lounges and access requirements, please use the Lounge Finder feature in the American Express App or visit www.americanexpress.com/findalounge. - 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.
- 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.
- 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.
- Additional Cards. Additional Credit Card Members must be over 18 years of age. You will be liable for all Additional Credit Card spending.
- 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.
- 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.
- 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.
- 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.
- Redeeming Airpoints. Airpoints may only be redeemed for flights that are ticketed and operated by Air New Zealand and certain airline partner codeshare flights. The full list of Air New Zealand Airpoints partners is available here. Third party taxes, levies or surcharges are additional unless the fare is a New Zealand domestic fare.