The American Express® Gold Rewards Card

This is Gold

 Key Information
Annual Fee: $200 p.a.
Card Type: Credit Card
Interest Free Period: Up to 55 days6
Interest Rate: 22.95% p.a. on purchases7
View key information for this Card and American Express® Credit Card Terms
Learn more about Credit Cards to ensure its right for you


Get $200 back


When you apply, are approved and spend $1,500 in the first 3 months. T&Cs apply. New Card Members only.1




Featured benefits

Up to $200 Dining Credit


Enjoy 2x $100 Dining Credits each year when you spend at our extensive Dining Collection2 of top NZ restaurants.


Sleek Metal Card


Choose from the elegant Gold or Rose Gold new metal Card.


Additional Cards are $0


Earn more points by getting Additional Cards for family members at no extra fee5, up to 4 Additional Card Members.

Apple Pay


Make easy and secure purchases with American Express and Apple Pay®. With a quick setup on your Apple device, you can make payments on the go12.

Get up to 55 days interest free


You will have up to 55 days interest free on Credit Card purchases6.

Earn Rewards Fast


Earn fast with 2 Membership Rewards points per dollar spent, our fastest earn rate. Use points for gift cards, travel or to pay off eligible purchases3.

Travel with confidence


Receive complimentary domestic and overseas Travel Insurance when you use your Gold Rewards Card to pay for your return trip4.

Local Dining Collection


Explore our participating Dining Collection Restaurants

and you could enjoy up to $200 Dining Credit each year2.


Earn rewards fast. Get 2 points per $1 spent with

the award-winning Membership Rewards programme.

card art

Example monthly household spend:


For illustrative purposes only














Dining and Cafe's


At the Gold rate




 =  60,000  

 =   $450
spend per month points per year                  when paying with points for travel with Amex. Or 400 Airpoints Dollars™ when transferred to Air New Zealand.3


 =   60,000

 =   $450
spend per month points per year when paying with points for travel with Amex. Or 400 Airpoints Dollars™ when transferred to Air New Zealand.3


To find out more ways you can use Membership Rewards points, visit the Membership Rewards Catalogue. Full options available to your Card can only be seen once logged-in with your Account. 

Get the most out of your Amex Card

Now accepted in more places
75,000 places across NZ now welcome American Express Cards since the start of 2019*.

Discover where.

Outstanding Amex App
See how the Amex App makes having an Amex Card a breeze

Receive an emergency Card within 48 hours
If your Card is ever lost or stolen, you can

usually get a replacement within 48 hours,

virtually anywhere in the world8.

Complimentary Travel Insurance4

Travel with confidence


When you book and pay for your return trip with your Gold Rewards Card, you can take advantage of complimentary domestic and overseas travel insurance for you, your spouse and your dependent children under the age of 23. The insurance includes cover for:

  • Medical Emergency Expenses (including Repatriation) up to $2,500,000
  • Travel Cancellation up to $30,000
  • Baggage, Money and Documents up to $30,000

Sub limits apply. Other terms, conditions and exclusions apply (such as maximum age limits, exclusions for pre-existing medical conditions and cover limits)4.

Interested? Check the eligibility criteria.


To apply for an American Express Gold Rewards Card, you’ll need to be able to meet the following criteria:

  • Be aged 18 or over
  • Have no history of bad debt or payment default
  • Have the right to work in New Zealand, and
  • If self-employed, have been trading for at least 18 months (or 12 months if I hold an existing American Express issued Card)

Documents and information to have ready:


  • NZ Driver’s Licence number (if you have one)
  • Details of your income, expenses and debts
  • Proof of your annual income and employment details (e.g. Inland Revenue Department (IRD) Statement, payslips)



Ready to apply ?

You may also be interested in these Cards.


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The American Express Airpoints Platinum Card




300 Bonus Airpoints Dollars


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.9



$59 spend = 1 Airpoints Dollar10.


The American Express
Platinum® Card




Get access to Platinum Travel Service and Platinum Concierge.

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 only.11