1. Employee Card Members. must be 18 years of age or over. Please note Additional Cards are referred to as Supplementary Cards in some Terms and Conditions and marketing materials. The basic Card Member will be liable to pay for all spend made by Additional Card Members. Earning of points is subject to the terms and conditions of the Rewards Programme the Primary Card Member is actively enrolled.

The following Cards may incur annual Card fees. Please refer to your financial table to see if your Card will incur an annual fee.

• The American Express Gold Card: $70 per Additional Card per year may apply.
• The American Express Green Card: $40 per Additional Card per year may apply.
• The American Express Gold Credit Card: $20 per Additional Card per year may apply.
• The American Express Blue Credit Card: $15 per Additional Card per year may apply.

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

Airpoints Terms and Conditions. American Express Airpoints Platinum Card Members are subject to the Airpoints Platinum Card Benefits Terms and Conditions available here. American Express Airpoints Platinum Reserve Card Members are subject to the Airpoints Platinum Reserve 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 and 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.

2. Amex Offers. The following are not Eligible Cards: Corporate, business travel, government and store Cards are not eligible for any offer. To view Amex Offers, simply log into the American Express Mobile App. The account must be in good standing to be eligible for offers. Amex Offers are not available for Card Members under 18 years of age.

3. 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.

4. Airpoints Platinum Card 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 here. You must use your American Express Airpoints Platinum Card to pay for 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 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. Platinum Card Smartphone Screen 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 Platinum Card available here. You must use your American Express Platinum Card to 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 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. The Centurion Lounge Network. 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 SkyClub.
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.

Lufthansa. This benefit is 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.

For the most current list of Lufthansa lounges, guest access requirements, rules, and pricing policy, please visit https://www.lufthansa.com/de/en/lounges.

Priority Pass™. This benefit is available to Platinum Charge Card Members. Platinum Card Members and one Additional Platinum Card Member as nominated by the Primary Card Member may enrol in the Priority Pass^™ 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.

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 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.

7. Gold Card Additional Card Members. An Additional Card Member fee of up to $70 per year may apply. Additional Card Members must be 18 years of age or over. Please note Additional Cards are referred to as Supplementary Cards in some Terms and Conditions and marketing materials. The basic Card Member will be liable to pay for all spend made by Additional Card Members.

8. Gold Card Buyer’s Advantage Cover. The American Express Gold Card insurance is subject to terms, conditions, limitations and exclusions - see the full Terms and Conditions available here. You must use your American Express Gold Card to pay for eligible items in order to be eligible for 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.

9. Green Card Additional Card Members. An Additional Card Member fee of up to $40 per year may apply. Additional Card Members must be 18 years of age or over. Please note Additional Cards are referred to as Supplementary Cards in some Terms and Conditions and marketing materials. The basic Card Member will be liable to pay for all spend made by Additional Card Members.

10. Gold Credit Card Additional Card Members. An Additional Card Member fee of up to $20 per year may apply. Additional Card Members must be 18 years of age or over. Please note Additional Cards are referred to as Supplementary Cards in some Terms and Conditions and marketing materials. The basic Card Member will be liable to pay for all spend made by Additional Card Members.

11. Blue Credit Card Additional Card Members. An Additional Card Member fee of up to $15 per year may apply. Additional Card Members must be 18 years of age or over. Please note Additional Cards are referred to as Supplementary Cards in some Terms and Conditions and marketing materials. The basic Card Member will be liable to pay for all spend made by Additional Card Members.

12. Platinum Membership Rewards Card 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 Platinum Membership Rewards Credit Card available here. You must use your American Express Platinum Membership Rewards Credit Card to pay for 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 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.

13. Airpoints Platinum Reserve Card 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 Reserve Card available here. You must use your American Express Airpoints Platinum Reserve Card to pay for your eligible items in order 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 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.

14. Employee Card Members must be over 18 years of age. The Business and the Primary Card Member are jointly and severally liable for all Employee Card spending. Each employee is entitled to only one (1) Employee Card. Earning of points is subject to the Terms and Conditions of the Membership Rewards program available at https://www.americanexpress.com/en nz/rewards/membership rewards/terms. Enrolment into Membership Rewards is required (an annual fee may apply). Eligibility to participate in the Membership Rewards program depends on your Card product type, and is subject to the approval of American Express.
Annual Employee Card fees apply.

• The American Express Business Card: $40 per Additional Employee Card per year.
• The American Express Gold Business Card: $70 per Additional Employee Card per year.

15. For full details of the insurance cover for the Green Card, including terms, conditions and exclusions, please refer to the Insurance Terms and Conditions. Please be sure to read the Insurance Terms and Conditions carefully and be aware of its various terms, conditions and exclusions.

16. For full details of the insurance cover for the Gold Card, including terms, conditions and exclusions, please refer to the Insurance Terms and Conditions. Please be sure to read the Insurance Terms and Conditions carefully and be aware of its various terms, conditions and exclusions.