Explore your American Express® Gold Card benefits

1. 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 your return trip 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 document 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.
2. You can redeem points for prepaid travel of a nominated value through American Express Travel Online with the point-of-purchase redemption capability. Travel bookings using points may be booked for any person, provided all your accounts are kept in good standing and are not overdue. All travel bookings are subject to availability. Subject to the American Express Travel Online standard booking terms and conditions.
3. Points are only redeemable in store. A minimum of 10,000 points must be redeemed at any one time. Subject to the Terms and Conditions of the American Express Membership Rewards programme.
4. Partner terms and conditions apply. Available to New Zealand enrollees who reside in New Zealand only. Enrolment in the New Zealand American Express Membership Rewards programme is required. A fee may apply. Flights are subject to availability. American Express accepts no responsibility for any information passed by you to Webjet. A minimum of 10,000 points must be redeemed at any one time. If using 'Points + Pay' the pay amount will be automatically billed to your Card Account and will appear on the first billing statement following redemption. Copyright Webjet Marketing Pty. Ltd. ACN. 063 430 848, ABN.8406 3430 848. Part of the Webjet Limited Group. Travel Agent Licence No. 32282.
5. To transfer Membership Rewards points into an airline partner program or a frequent guest partner program, you must be a member of the partner program. Membership of the partner program is the Card Member's responsibility and is subject to the terms and conditions of the applicable program. A joining fee may apply. Minimum redemption amounts apply. Partners are subject to change. Visit membershiprewards.co.nz for details.
6. To transfer Membership Rewards points into an airline partner program or a frequent guest partner program, you must be a member of the partner program. Membership of the partner program is the Card Member's responsibility and is subject to the terms and conditions of the applicable program. A joining fee may apply. Minimum redemption amounts apply. Partners are subject to change. Visit membershiprewards.co.nz for details.
7. Valid only for new THE HOTEL COLLECTION bookings with participating providers of two or more consecutive nights made through American Express Travel Online (online bookings currently only available to Basic Card Members). Available for eligible American Express Gold Card Members. The term “Eligible Card Members” does not include Gold Credit Card Members. Payment must be made in full with an American Express Card in the Eligible Card Members’ name. Eligible Card Member must travel on itinerary booked to be eligible for benefits described. *The Card Member will receive the credit as a deduction from the final hotel bill when checking out of the hotel; they will receive US$1 for each eligible dollar spent up to US$75. Eligible spend includes dining, spa and resort activities. Eligible spend does not include charges for taxes, gratuities, fees and cost of room. **A one category room upgrade is based on availability and eligibility at check-in to the hotel. Additional exclusions based on specific hotel restrictions may also apply (including without limitation purchases within the hotel that are unaffiliated and/or owned by third parties) - see hotel front desk for details. Credit must be used in conjunction with initial stay and cannot be carried over to another stay, is not redeemable for cash and expires at check-out. Credit is non- exchangeable and non-refundable and is applied in US$ or equivalent in local currency based on exchange rate on day of arrival. May not be combined with other offers or programs unless indicated. Limit one credit per room, per stay. Three-room limit per Eligible Card Member per stay; back-to-back stays within a 24-hour period at the same property considered one stay. Hotel nightly rates vary by property, dates, room category and occupancy. Participating providers and benefits subject to change. The Benefits cannot be used in conjunction with any other offers / or promotions. This program is not combinable with any American Express lodging or tour programs.
8. Hertz Gold Plus Rewards enrolment is required to access the benefits. Terms and conditions and rental location exclusions apply. 10% discount available on the best prepaid and non prepaid retail rates and it applies to time, mileage and all mandatory insurance and waivers included in the base rate. One-car-class upgrade applies to standard vehicles only and space available upgrade applicable on rentals of five consecutive days or more is applicable in all destinations excluding Japan and it is subject to availability. Rentals within Japan are eligible for a 5% discount and complimentary additional driver, but no vehicle upgrade will apply. Standard Blackout dates apply - visit the website for full terms and conditions www.hertz.com. The following countries and/or Hertz locations are excluded from the list of Destination Participating Countries: India, Pakistan, Sri Lanka and Taiwan rental locations are excluded from all benefits of this offer. Hertz standard terms and conditions of rental apply. American Express reserves the right to instruct Hertz to cancel your membership if you cease to be an American Express Card Member or your account is not in good standing. Offer only valid if purchased using an American Express Gold Card and when providing Gold Plus Rewards membership number at time of booking. The Promotional Code: 705500 must be included in Card Member’s Gold Plus Rewards booking. One-Car-Class upgrade does not apply to Hertz Collections (Green, Fun, Prestige and Family).
9. Hotel Elite Status – Hilton Honors Silver Status. As an Eligible Card Member you are able to enrol in complimentary Hilton Honors Silver status. Offer available only to eligible Card Members and is not transferable. Full details of Silver status can be found at HiltonHonors.com/MemberBenefits and are subject to change by Hilton. Silver status benefits are subject to availability at participating hotels and resorts within the Hilton Portfolio. Once you request enrolment in Hilton Honors Silver status, American Express will share your enrolment information with Hilton. Hilton may use this information in accordance with its privacy policy available at Hilton.com/PrivacyPolicy If you already have Hilton Honors Silver status, you can maintain the benefit in the future because you don’t need to meet any stay requirements. You maintain Silver status without meeting otherwise required criteria only while an eligible Card Member or until American Express notifies you that the benefit is terminated. Hilton Honors membership, earning of Points & Miles™ when booking direct and redemption of Points are subject to Hilton Honors Terms and Conditions. Visit HiltonHonors.com/Terms for more details.

      Eligible Cards are:
• The American Express® Gold Card

• The American Express Explorer® Credit Card

• The American Express® Platinum Reserve Credit Card

• The American Express® Rewards Advantage Card

The American Express Charge Card Agreement is available here

1. Subject to the Terms and Conditions of the Membership Rewards Program available at americanexpress.com/en-nz/rewards/membership-rewards/terms
2. Supplementary Card Members must be 18 years of age or over. The primary Card Member will be liable for all Supplementary Card spending.
3. 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.
4. You can redeem points for prepaid travel of a nominated value through American Express Travel Online with the point-of-purchase redemption capability. Travel bookings using points may be booked for any person, provided all your accounts are kept in good standing and are not overdue. All travel bookings are subject to availability. Subject to the American Express Travel Online standard booking terms and conditions.
5. Points are only redeemable in store. A minimum of 10,000 points must be redeemed at any one time. Subject to the Terms and Conditions of the American Express Membership Rewards programme.
6. Partner terms and conditions apply. Available to New Zealand enrollees who reside in New Zealand only. Enrolment in the New Zealand American Express Membership Rewards programme is required. A fee may apply. Flights are subject to availability. American Express accepts no responsibility for any information passed by you to Webjet. A minimum of 10,000 points must be redeemed at any one time. If using 'Points + Pay' the pay amount will be automatically billed to your Card Account and will appear on the first billing statement following redemption. Copyright Webjet Marketing Pty. Ltd. ACN. 063 430 848, ABN.8406 3430 848. Part of the Webjet Limited Group. Travel Agent Licence No. 32282
7. To transfer Membership Rewards points into an airline partner program or a frequent guest partner program, you must be a member of the partner program. Membership of the partner program is the Card Member's responsibility and is subject to the terms and conditions of the applicable program. A joining fee may apply. Minimum redemption amounts apply. Partners are subject to change. Visit americanexpress.com/en-nz/rewards/membership-rewards/terms for details.
8. 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 months from the date of issue, unless otherwise stated. Normal retailer Gift Card and voucher conditions apply.

The American Express Charge Card Agreement is available here

1. 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.
2. The American Express Gold Card insurance is subject to terms, conditions, limitations and exclusions - see the full terms and conditions available here for cover until 20 May 2018 and here for cover from 21 May 2018. You must use your American Express Gold Card to pay for your return trip 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 document 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.
3. This is available to Primary Card Members enrolled in the Membership Rewards programme. American Express will display each eligible charge on your Mobile App timeline and the points required for each transaction. A minimum of 1,000 Membership Rewards points must be redeemed at any one time. Any credit to your Card Account cannot exceed the amount of the relevant eligible purchases or the current outstanding balance on your Account. Certain fees and charges are excluded. Points will be debited immediately and the credit can 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. Subject to the Membership Rewards Terms and Conditions at membershiprewards.co.nz/termsandconditions.

The American Express Charge Card Agreement is available here