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 conunction with any other advertised or promotional offer and may be removed at any time.
   
   
2. 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.
   
   
3. 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.
   
   
4. 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.
   


5. Additional Cards. Additional Credit Card Members must be over 18 years of age. You will be liable for all Additional Credit Card spending.
   
   
6. 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.
   
   
7. 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.
   
   
8. Emergency Card Replacement. If your Credit Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In New Zealand, call us on 0800 656 660. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office or call +64 9 583 8287. Once you have notified us, you are not liable for any unauthorised charges.
   
   
9. 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.


10. 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 also apply. Airpoints Dollars and Status Points earning rates are subject to change with reasonable notice.
    
    


11. 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.