Membership Rewards offer you benefits to match your lifestyle.

With options that stretch from shopping to holidays, you'll find rewards to suit your taste.

Already a Card Member or looking to become one?
Choose an option below to see how our Card Membership gives you more rewards.

Make life more rewarding

Use your Card to earn Membership Rewards points and put them towards your next travel adventure, a new outfit, concert tickets and more of the things you love.

Turn points into travel

Transfer Membership Rewards points to any of our airline partner rewards programmes1, or by visiting any helloworld store2. You can also redeem Membership Rewards points for any flight at

Use points for purchases

Paying for purchases with American Express Membership Rewards points, or using a combination of points and payment, can be a great way to boost your cash flow4.

To do this, simply:
1. Log in to your Account online or via the Amex Mobile App.
2. Select the eligible transaction from your online Account.
3. You’ll receive a credit on your Account within 72 hours.

Shop with Points

Our partners make it easy to use Membership Rewards points to shop, watch live sport, or even visit the theatre. So, whether it’s a brand new TV or a great night out, Membership Rewards points could be the ticket to something you love.

Gift Cards

Use American Express Membership Rewards points for Gift Cards from a choice of travel, entertainment and retail partners including The Warehouse, Bunning, Countdown, Westfield, Farmers, Torpedo 7 and many more.

Maximising rewards for every Card

Woman working on a tablet

Earn extra points with
a Supplementary Card

A Supplementary Card can be linked to your Account and used by family or friends. It’s the perfect way to keep earning Membership Rewards points, as all points earned on Supplementary Cards are credited to the primary Card Member’s Membership Rewards Account.

Man paying bills on his laptop

No limit on points
you can earn

There’s no limit to the number of Membership Rewards points you can earn on American Express Credit Cards and they won’t expire as long as your Account is in good standing. When you consider the points you could potentially earn, there are advantages to using your Card whenever you pay for something.

Man shopping with Camera around his neck

Turn points into

Earn points on your everyday spend and then redeem those points for flights, accommodation, rental cars and more.

Choose a Card that rewards you more

Earn more from
everyday spending

3 Membership Rewards points
per $1 spent at major supermarkets5

2 Membership Rewards points
per $1 spent at participating petrol stations5

1 Membership Rewards point
per $1 spent on all other purchases5

Maximise points earned
on every purchase

2 Membership Rewards points
per $1 spent on your Card6

Receive $200 to spend on travel each year,
which can be redeemed for pre-paid airfares, car hire or hotel bookings through American Express Travel7

Complimentary access for you and a guest to over 1,000 airport lounges with Priority Pass™8

Complimentary domestic and international Travel Insurance Cover

Airpoints™ Cards that keep you travelling

Turn Airpoints Dollars™ into travel

Redeem your Airpoints Dollars for flights to more than 1,300 Air New Zealand destinations, in 190 countries10. Plus you can use your Airpoints for accommodation, car rental and more.

Discover how American Express Membership gives Card Members more

Explore our Personal Cards


Earn Airpoints
Dollars™ fast


Earn points from
everyday spending


Premium benefits
and services

No Annual Fee

Card Member benefits
with no annual fee

Want to know more about Credit Cards?

Whether you want to know more about Credit Card limits, interest rates, fees, or the increased security you have when travelling overseas with your American Express Card, here’s all the information you need.