This is Gold

With a rewards Credit Card, you can earn rewards points on all the eligible purchases you make on your Card.

Membership Rewards^® is how Amex Card Members earn and redeem points from spending on their Gold Rewards Credit Card¹¹. It’s a program that allows you to earn points on most of your Card spend (bills, groceries, dining out, entertainment, travel bookings) and redeem them for travel rewards by transferring your points to major Partner Programs across airlines and hotels¹⁰, or for shopping rewards with Gift Cards¹², or by using points to pay for your Card charges¹³.

You can check out our rewards calculator to estimate how many Membership Rewards points you could earn with the American Express Gold Rewards Card.

The Amex Membership Rewards^® program available on the Amex Gold Rewards Card lets you choose from a wide range of rewards so you can use your points, your way.

• Pay with Points - Pay off your eligible purchases with your Membership Rewards points when you shop at Harvey Norman.
• Cover charges with Points¹³ - You can use your points to cover eligible transactions you’ve made on your Card and reduce your balance.
• Use Points for Credit - Redeem your points for a credit to your Card, then use this additional credit to buy whatever you like.
• Redeem for Gift Cards¹² - You can redeem your points for Gift Cards from leading brands across travel and retail.
• Use your points for travel - Use your Membership Rewards points to pay for your eligible flight, prepaid hotel, car rental or holiday bundle when you book with American Express Travel.
• Transfer points to Travel Partners¹⁰ - Transfer your points to a wide range of Airline and Hotel Rewards partners where you can redeem for eligible flights or hotel stays.

All American Express Credit Cards have a maximum Credit limit. Your highest limit will depend on your financial circumstances and the Credit Card you choose. When you apply for the Amex Gold Rewards Credit Card, you’ll have the opportunity to indicate your preferred Credit Card limit and approval for your credit line will be subject to our approval criteria. You should ensure that you nominate a limit that’s in line with your current financial circumstances.

It’s also important to know that choosing a low limit during the application process will not change your chances of approval. If you don’t choose a limit, we’ll assign you one, based on your current financial circumstances.

Learn more about Credit Card limits.

Up to $200 Dining Credit is provided each year with the Amex Gold Rewards Card4, which could effectively offset the $200 Annual Fee charged for the Card.

With the Dining Credit benefit, you can receive a $100 Dining Credit, when you spend $100 or more in one transaction, on your Amex Gold Rewards Card at a participating Dining Collection restaurant. Valid up to 2 times per year, once per defined calendar period.

*Source: Internal American Express data based on Merchant locations setup between 1 January 2019 and 31 May 2023

American Express credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information is correct as at 3 May 2023 and is subject to change. This offer is only available to those who reside in New Zealand. Cards are offered, issued and administered by American Express International (NZ), Inc.

1. Bonus & Eligibility. 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.
   
   
2. 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.
   
   
3. 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 3 May 2023 and are subject to change. This interest rate does not apply for Cash Advances and fees relating to Cash Advance.
   
   
4. 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/golddining). 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 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 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.
   


5. 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.
   
   
6. Additional Cards. Additional Credit Card Members must be over 18 years of age. You will be liable for all Additional Credit Card spending.
   
   
7. 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.
   
   
8. Online Fraud Protection Guarantee. Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.
   
   
9. Apple Pay is a trademark of Apple Inc.


10. 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.


11. Membership Rewards. 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.


12. 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.


13. 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.