The American Express
Platinum Card^®

A Platinum Card is a premium type of Credit Card that offers a higher level of benefits and rewards compared to standard Credit Cards. These may include more rewards on eligible spending, complimentary insurance, airport lounge access and exclusive offers or services.

The Platinum Card is designed for people who travel frequently, spend more on their Card or want access to premium perks and experiences.

Membership Rewards^® is how Amex Card Members earn and redeem points from spending on their Platinum Credit Card²¹. You can earn 2 Membership Rewards points per $1 spent (bills, groceries, dining out, entertainment, travel bookings) and redeem them from a wide range of options such as:​

• Using your points for travel and pay for your eligible flight, prepaid hotel or car rental when you book with American Express Travel¹⁰; or transferring your points to major Airline and Hotel Transfer Partners¹³;​
• Covering eligible transactions you’ve made on your Card with points¹² and reduce your balance;​
• Redeeming your points for a statement credit to your Card¹¹;​
• Redeem your points for Gift Cards⁹ from leading brands across travel and retail;

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The Amex Platinum Card comes with the following travel perks:

• Access to over 1,550 lounges in airports across 140 countries with the Global Lounge Collection⁵. This includes The Centurion^® Lounges, Priority Pass^TM lounges (enrolment is required), Plaza Premium lounges and Delta Sky Club lounges.
• The Platinum Card comes with complimentary domestic and international insurance¹⁵ for you, your partner and your dependent children, when you pay for your return trip on your Card. Terms, conditions, cover limits and exclusions apply (such as maximum age limits and pre-existing medical condition exclusions).​
• Hotel benefits with complimentary membership to ALL Accor+ Explorer⁴ valued at NZ$379 (enrolment required) and access to Fine Hotels + Resorts with competitive rates and complimentary benefits that offer an average total value of US$550* per stay⁶.
  

Here are some benefits which could help you maximise the value you get for the $850 Annual Fee charged for the Card.

• Up to $300 Dining Credit is provided each year with the Card⁷. With the Dining Credit benefit, you can receive a $150 Dining Credit, when you spend $150 or more in one transaction, on your Amex Platinum Rewards Card at a participating Dining Collection restaurant. Valid up to 2 times per year.
• Complimentary membership to ALL Accor+ Explorer⁴ valued at NZ$379 (enrolment required).
• Access to Fine Hotels + Resorts with complimentary benefits that offer an average total value of US$550* per stay⁶.
  

All American Express Credit Cards have a maximum Credit limit. Your highest limit will depend on your financial circumstances and the Credit Card you choose. When you apply for the Amex Platinum Credit Card. You’ll have the opportunity to choose your preferred Credit Card limit. Approval of your credit limit will be subject to our lending assessment and approval criteria. If you don’t choose a limit, we’ll assign you one, based on your current financial circumstances.

If you choose to nominate a limit, ensure that’s in line with your current financial circumstances.

It’s also important to know that the limit you choose will not impact the chances of your application being approved.

Learn more about Credit Card limits.

To apply for the Amex Platinum Card, you need to:

• Be aged 18 years or over;
• Be a citizen or permanent resident of New Zealand or have the right to work in New Zealand;
• Have a good credit history and no payment defaults;

When you are ready to apply, click the button ‘Apply now’ and follow the steps to complete your online application.

The American Express Platinum Card^®
American Express income and credit approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information, including fees and charges are correct as of 1 July 2026 and are subject to change. Applicants must be 18 years of age or over to apply for the American Express Platinum Card® and have no history of bad debt or payment default. They must 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). Long term means 12 months or more and does not include a student visa.

1. Bonus & Eligibility.
160,000 Bonus Membership Rewards^® Points is only available to new American Express^® Card Members who apply online by 30 November 2026, are approved and spend $2,500 or more on eligible purchases on the American Express Platinum Credit Card in the first 3 months from the Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Card Members who currently hold or who have previously held any Card product issued by American Express International (NZ), Inc. in the past 18-month period are ineligible for this offer. 160,000 Membership Rewards Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. Subject to the Terms and Conditions of the Membership Rewards Programme available at https://www.americanexpress.com/en-nz/benefits/rewards/membership-rewards/#t&cs. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. The American Express Platinum Card has an annual fee of $850. Offer subject to change without notice.

2. 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.

3. 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 of 3 May 2023 and are subject to change.

4. Accor+ Explorer Membership
An annual ALL Accor+ Explorer Membership is valued at NZ$379, found at accorplus.com/nz/benefits as at 1 October 2025. Eligible American Express Card Members are required to enrol to receive a complimentary ALL Accor+ Explorer membership. An ALL Accor+ Explorer membership is available only to the Primary Platinum Card Member. Membership privileges will only be granted on presentation of a valid membership card, and a member must identify themselves as an ALL Accor+ Explorer member at time of booking. Accommodation bookings must be made in advance through the ALL.com app. American Express reserves the right to instruct Accor Plus to cancel your membership if you cease to be a Platinum Card Member or your Account is not in good standing. Complimentary membership is a continuing benefit of your American Express Platinum Card; however American Express reserves the right to discontinue the benefit, upon providing you with reasonable notice. Once enrolled, enrolment continues for at least 12 months. If you become ineligible for this benefit or if this benefit ends, the ALL Accor+ Explorer membership standard eligibility criteria will apply to you. A Stay Plus Free Night may be subject to availability at participating properties. Use of the Stay Plus is subject to the conditions as listed on www.accorplus.com/nz/terms-and-conditions. Membership privileges are subject to exceptions listed at accorplus.com/nz/benefits-exceptions. Dining and drinks discounts do not apply to room service, mini bars, meeting rooms, selections from the kids’ menus or takeaways, and public holidays or during special events. For more information, please visit here: accorplus.com/benefits/more-flavours. Dining privileges are subject to the Accor Plus membership terms and conditions which are found here: accorplus.com/nz/terms-and-conditions.

5. Global Lounge Collection
This benefit is available to American Express Platinum Card^® Members. Eligibility and complimentary access vary by lounge and are governed by the individual lounge terms outlined below. Some airport lounge providers may require presentation of your physical Platinum Card for entry. We highly recommend travelling with your physical Card as some lounges may not accept digital Cards. American Express reserves the right to revise these rules from time to time, and may do so without prior notice, but will provide advance notice of material changes where reasonably practical. If American Express^®, in its sole discretion, determines that the Card Member and their guests have engaged in abuse, misuse, or gaming in connection with access to the Global Lounge Collection lounges in any way, we may cancel your American Express Account.

The Centurion^® Lounge
Primary and Additional Platinum Card Members have complimentary access to participating locations of The Centurion Lounge. Platinum Card Members may bring one (1) complimentary guest into The Centurion Lounge locations in the U.S. and select international locations as set forth on the Centurion Lounge website at thecenturionlounge.com (the “Centurion Lounge Website”). Guest access policies (including, but not limited to, guest fees and number of complimentary guests per visit) applicable to international locations of The Centurion Lounge may vary by location and are subject to change. Visit the Centurion Lounge Website to learn more about lounge locations and guest access policies applicable to international Centurion Lounge locations. For more information specific to Australian Lounge access, visit americanexpress.com.au/airportlounge. All guests must be travelling on the same flight as the Card Member. If you have paid for additional guests and choose to visit multiple locations of The Centurion Lounge on the same day, guest fees will apply at each location. 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. During a layover, Card Members must arrive within 5 hours of their connecting flight. Same day round-trip itineraries are not considered connecting flights. Card Members will not be granted access to the lounge with a boarding pass for a flight that has landed at the final destination. Upon arrival at The Centurion Lounge, Platinum Card Members must present The Centurion Lounge agent with the following upon each visit: their valid Platinum, a boarding pass showing a confirmed reservation for a departing flight on the same day on any carrier and a government-issued I.D. Name on boarding pass must match name on the Card. Failure to present this documentation may result in access being denied. Refer to the specific location’s access policy for more information. 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 behaviour 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 authorise 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 American Express®, in its sole discretion, determine that you have engaged in abuse, misuse, or gaming in connection with lounge access in any way, we may remove access to The Centurion Lounge from your Platinum Account. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise these rules from time to time, and may do so without prior notice, but will provide advance notice of material changes where reasonably practical.

Sidecar by The Centurion^® Lounge
Primary and Additional Platinum Card Members have complimentary access to Sidecar by The Centurion^® Lounge. Please visit thecenturionlounge.com for more information on Sidecar by The Centurion Lounge availability. Platinum Card Members may bring one (1) complimentary guest into The Sidecar by The Centurion Lounge locations. All guests must be travelling on the same flight as the Card Member. All access to Sidecar by The Centurion Lounge is subject to space availability. To access Sidecar by The Centurion Lounge, Platinum Card Members must arrive within 90 minutes of their departing flight (including a connecting flight during a layover) and present the Sidecar by The Centurion Lounge agent with the following upon each visit: their valid Platinum 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. Name on boarding pass must match name on the Card. 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 Sidecar by The Centurion Lounge visitors must be of legal drinking age in the jurisdiction where Sidecar by The Centurion Lounge is located to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from Sidecar by The Centurion Lounge for inappropriate behaviour 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 Sidecar by The Centurion Lounge is not permissible. Hours may vary by location and are subject to change. Amenities vary among Sidecar by 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 Sidecar by The Centurion Lounge, certain services, products or amenities may be offered for sale and you are responsible for any purchases of such services, products or amenities. Services available at the Member Services Desk are based on the type of American Express Card used to enter Sidecar by The Centurion Lounge. American Express will not be liable for any articles lost or stolen or damages suffered by visitors to Sidecar by The Centurion Lounge. If American Express^®, in its sole discretion, determine that you have engaged in abuse, misuse, or gaming in connection with Sidecar by The Centurion Lounge access in any way, we may remove access to Sidecar by The Centurion Lounge from your Platinum Account. Use of Sidecar by The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise these rules from time to time, and may do so without prior notice, but will provide advance notice of material changes where reasonably practical.

Escape Lounges
This benefit is available to Primary and Additional Platinum Card Members. Card Members receive complimentary access to all Escape Lounge locations throughout North America, Central America, the Caribbean and South America, including Escape Lounges - The Centurion^® Studio Partner locations. Card Members may bring up to two (2) complimentary guests per visit. To access an Escape Lounge, Card Members must present their valid Platinum Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. Name on boarding pass must match name on the Card and the eligible flight must be booked on your American Express Platinum Card. For access at select locations, Card Members must arrive within 3 hours of their departing flight. Refer to the specific location’s access policy for more information. During a layover Card Members may use the Escape Lounge in the connecting airport at any time. For more information on access policies and lounge terms and conditions, see escapelounges.com. All access to an Escape Lounge is subject to space availability. Card Members 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 Members must adhere to all house rules of participating lounges. Card Members and their guests will receive all the complimentary benefits and amenities afforded to the Escape Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. American Express reserves the right to revise these rules from time to time, and may do so without prior notice, but will provide advance notice of material changes where reasonably practical. Additional restrictions may apply.

Delta
Delta Sky Club access is operated by Delta Air Lines and is subject to Delta’s access rules, conditions and availability. For the most current Delta Sky Club access and pricing policy, please visit delta.com/skyclub. Benefit and rules subject to change. Additional restrictions may apply.
This benefit is available to Primary and Additional Platinum Card Members. Platinum Card Members and any guests traveling with Delta Main Basic (Basic Economy) fare tickets do not have access to this benefit. Platinum Card Members must present their valid American Express Platinum Card, government-issued I.D., and boarding pass for entry. Boarding pass must show a reservation for a same-day Delta-operated flight (Delta or Delta connection) or Delta-marketed flight operated by WestJet (ticket number starting with 006) 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 or any time during a layover. Delta reserves the right to limit access for non-revenue flyers at any Delta Sky Club. 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. 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 or Delta-marketed flight operated by WestJet (ticket number starting with 006). Children under 2 years of age may accompany the Eligible Platinum Card Member for free. Guest access and fees subject to terms and conditions of participating airport clubs.

Plaza Premium Lounges
Plaza Premium Lounge access is operated by Plaza Premium and is subject to Plaza Premium’s access rules. Plaza Premium Lounge locations, benefits and rules are subject to change. Primary and Additional Platinum Card Members have complimentary access to participating global locations of Plaza Premium Lounges. Platinum Card Members may bring one (1) complimentary guest into Plaza Premium Lounges. Card Member must present their valid Platinum Card, a confirmed boarding pass for same-day travel on any carrier and government-issued I.D. Minimum age requirements may vary by location, and in some lounges. Card Members must be 21 years of age to enter without a parent or guardian. If you have paid for additional guests and choose to visit multiple Plaza Premium lounges on the same day, guest fees will apply at each location. Card Members 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.

Priority Pass™
Priority Pass is an independent airport lounge access program. This benefit is available to Primary Platinum Card Members only. Primary Platinum Card Members may bring one (1) complimentary guest into Priority Pass Lounges that admit guests. 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 physical or digital Priority Pass card and airline boarding pass. If the Card Account is cancelled, you will not be eligible for Priority Pass and your enrolment will be cancelled. At any visit to a Priority Pass lounge that admits guests, Platinum Card Members may bring one (1) complimentary guest. You will be charged the prevailing retail rate for any additional guests. If you have paid for additional guests and choose to visit multiple Priority Pass lounges on the same day, guest fees will apply at each location. Some lounges do not admit guests. Minimum age requirements may vary by location, and 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 prioritypass.com. Upon receipt of your enrolment 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 access lounges before your physical Priority Pass card arrives, call the number on the back of your Platinum Card to obtain your Priority Pass membership details. You can then activate your membership online and receive a digital membership card. For a step-by-step guide on the activation process, visit prioritypass.com/activation. If American Express®, in its sole discretion, determines that the Card Member and their guests have engaged in abuse, misuse, or gaming in connection with access to the Priority Pass Lounge in any way, we may cancel your Priority Pass membership. This benefit is subject to change.

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, 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. 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 in the jurisdiction where the lounge is located 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 Members 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, we may remove access to the Additional Lounges from your Platinum Account. American Express and the participating lounge reserve the right to revise the rules at any time. For the most current list of participating lounges and access requirements, please use the Lounge Finder feature americanexpress.co.nz/platinumlounges.

6. Fine Hotels + Resorts (FHR).
Fine Hotels + Resorts (FHR) program benefits are available for new bookings made through American Express Travel with participating properties and are valid only for the following Eligible Card Members: The American Express Platinum Card^® and The American Express Platinum Card® Plus. Each eligible FHR booking includes the following program benefits: (1) daily breakfast for two, (2) a US$100 credit towards eligible charges, (3) guaranteed 4pm checkout, (4) 12pm check-in when available, (5) room upgrade upon arrival when available, and (6) complimentary Wi-Fi. To receive program benefits, (i) the booking must be made and paid for using an Eligible Card or another American Express^® Card, in the Eligible Card Member's name, (ii) the Eligible Card Member must be traveling on the itinerary booked, and (iii) charges for program benefits (if applicable) must be billed to the hotel room. If paying for the booking at the property, the Eligible Card Member may need to provide a physical American Express Card. Any applicable program-related credits will be applied at checkout in USD or the local currency equivalent. The average total value of the program benefits is based on prior-year bookings for stays of two nights; the actual value varies. Noon check-in and room upgrade are subject to availability and are provided at check-in; certain room categories are not eligible for upgrade. The type of US$100 credit and any additional benefit (if applicable) varies by property; the credit will be applied to eligible charges up to the amount of the credit. Advance reservations are recommended for certain credits. The type of breakfast service and value of the daily breakfast (for two) varies by property but the daily breakfast (for two) will be valued at the greater of: (a) US$60 per room per day; or (b) the total value of two (2) times the price of the lowest priced breakfast entrée, coffee or tea, and juice combination available on the hotel’s breakfast menu(s). The Eligible Card Member will be responsible for all breakfast charges greater than the value of the daily breakfast (for two) credit. If the cost of Wi-Fi is included in a mandatory property fee, a daily credit of that amount will be applied at check-out. Benefits are applied per room, per stay (with a three-room limit per stay). Back-to-back stays booked by a single Card Member, bookings made by different Card Members staying in the same room or bookings made by different Card Members traveling in the same party, in each case, within a 24-hour period at the same property, are considered one stay and are only eligible for one set of FHR benefits for the entirety of such stay. American Express and the Property reserve the right to modify or revoke FHR benefits at any time without notice if we or they determine, in our or their sole discretion, that you may have engaged in abuse, misuse, or gaming in connection with your FHR benefits. Benefit restrictions vary by property. Eligible Card Members are entitled to the benefits offered by the property on the booking check-in date. Benefits cannot be redeemed for cash and are not combinable with other offers unless indicated. Benefits must be used during the stay booked. Benefits, participating properties, and availability and amenities at those properties are subject to change. To be eligible for FHR program benefits, your Eligible Card Account must not be cancelled.

7. Annual Dining Credit.
Valid when dining in at participating location Dining Collection restaurants only. Some locations are excluded, please refer to the full list of participating restaurant locations before dining (amex.co.nz/platinumdining). Limited to one $150 credit each defined calendar period, per Platinum 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 $300 each year, per Platinum 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 spend on gift vouchers, online orders for pick up or delivery and transactions where you do not spend directly with your Card at a participating location 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, apart from Windcave. Credit is not redeemable for cash or other payment form. Credit will not be applied to your Platinum Card Account if your Card has been suspended or cancelled. Credit may be reversed if your qualifying purchase is refunded or cancelled.

8. Additional Cards.
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 Primary Card Member will be liable to pay for all spend made by Additional Card Members.

9. Gift Cards
Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of minimum 3 years from the date of issue, unless otherwise stated. We are not responsible if any Gift Card is lost, stolen, or destroyed, or the Gift Card is used without your permission. Membership Reward terms and conditions apply. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details.​

10. American Express Travel Online:
To earn or redeem Membership Rewards points, Cards must be enrolled to the American Express Membership Rewards programme, and your Card Account must be in good standing. To redeem Membership Rewards Points with American Express Travel Online, you need to have available limit on your Card for the full transaction amount of the booking. You will then receive a statement credit within 3 business days for your points redemption. If the credit isn’t on the same statement as the transaction, it should appear on your next statement. Please pay all amounts due each month. You will earn Membership Rewards points on the full dollar amount charged to your Card. All bookings are subject to the terms and conditions of our Membership Rewards programme. For full Terms and Conditions please visit the Membership Rewards website.

11. Points for Credit
Points may be redeemed by the Basic Card Member for a credit on the Primary Card Account (the Card which your Membership Rewards points balance appears online). American Express may decline a Points for Credit request where the Card Account or Card Member’s other Accounts with American Express are not in good standing or overdue. The redemption of Points for Credit will be administered solely by American Express within 3 business days and cannot be reversed. Redeeming Points for Credit is not redeemable for cash via Credit balance refund.

12. Cover Charges with Points
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 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 Primary Card Members enrolled in the New Zealand Membership Rewards programme and is subject to the full Membership Rewards Terms and Conditions.

13. Airline and Hotel Transfer Partners 
To redeem points to any Frequent Traveller Program you must be a member of the applicable Program. Enrolment in such Programs is solely your responsibility and fees may apply. The minimum requirement and transfer rate varies. Subject to the Membership Rewards Terms and Conditions.​

14. The American Express Mobile App.
To use the App, you must be registered for Online Services. You can register for Online Services at americanexpress.co.nz/register. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google Play is a trademark of Google Inc.

15. The American Express Platinum Card Insurance
IMPORTANT INFORMATION: No matter where you are in the world, if the unexpected happens on your travels and a medical emergency arises, your first port of call is Chubb Assistance. When an emergency arises, and to ensure you get appropriate, and fast, treatment from a doctor who speaks your language, you should contact Chubb Assistance on +64 9 374 1774 or the number on the back of your Card as soon as reasonably possible when seeking medical treatment, or you may be responsible for your medical expense costs. The American Express Platinum 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 at go.amex/nzplatinuminsurance. You must use your American Express Platinum Card to pay for your return trip in order to be eligible for the travel insurance or pay for eligible items in order to be covered under the insurance. The insurance is underwritten by Chubb Insurance New Zealand Limited (Company Number 104656, FSP No. 35924)) 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 information does not take into account your personal circumstances, objectives, financial situation or needs and does not constitute financial advice. You should consider the terms, conditions, exclusions and limitations of the policy, and obtain financial advice if required, before making any decisions about the insurance policy.

16. Platinum Travel Service.
All fees or amounts payable in relation to the services are inclusive of GST where applicable. All fees, taxes and charges levied by the travel providers and/or air travel suppliers still apply and these are subject to change without notice until such time as tickets are issued.

17. International Airline Program.

• American Express reserves the rights to change these conditions from time to time with 21 days prior notice and/or to discontinue the whole programme. To earn or redeem Membership Rewards points, Cards must be registered to the American Express Membership Rewards program, and be active and current in their payments. When paying with a combination of your American Express Card and Membership Rewards points, only the value applied to the Card is eligible to earn Membership Rewards points. Membership Rewards Terms and Conditions apply when booking on the American Express Travel website. Please visit the Membership Rewards website to view the full Terms and conditions (https://www.americanexpress.com/en-nz/benefits/rewards/membership-rewards/).
• Airlines reserve the right to change, cancel or restrict flight operations without notice. IAP upgrades or specially negotiated fares may be limited by airlines to certain flights and/or dates (“blackouts”). IAP is subject to the terms and conditions of each participating carrier. American Express does not guarantee that seats or tickets will be available. Cabins of service and discounts vary by airline and route.
• To qualify for the IAP upgrades or specially negotiated fares: a) Your journey must start and end at the same port as designated by the participating airline and be completed within the period during which your selected carrier participates in the programme. You will be advised of any applicable dates at the time of booking. b) IAP tickets must be purchased through the American Express Travel Service and must be charged to a valid New Zealand American Express Platinum Card which is in good standing. c) The Platinum Cardmember who purchases the ticket(s) must be one of the travellers. d) IAP tickets are non-transferable and nonendorsable.
• Any travel on non-participating airlines must be ticketed and paid for separately and is not part of the IAP. Certain code share or flights on the worldwide partners of the participating airlines may not apply.
• Certain IAP airlines or non-participating airlines impose restrictions such as ticketing time limit on advance booking to indicate a timeline for ticketing upon making your reservations. For each individual airline Terms & Conditions, please check with the Platinum Travel Service for details.
• IAP upgrade offers or specially negotiated fares may not be combined with any other promotion, discount, negotiated or corporate rate.
• American Express acts only as an agent for travel service providers and does not own or operate any airline or means of transportation. American Express is not liable for service deficiencies on the part of airlines or other service providers, including but not limited to: accidents and injuries; delays; changes in routes or itineraries; loss, theft or damages to possessions. American Express strongly advises travellers to insure themselves against travel risks. Travellers are responsible for ensuring that they have valid documentation and for complying with the health, customs, currency and other laws of any country they enter or attempt to enter.
• IAP is available to Platinum Cardmembers from a variety of participating airlines each with specifically designated ports of departure and arrival. Please refer to the Platinum Travel Service for details of participating airlines, applicable routing and timetables and fares in force at any particular time. Other International Airline Program Terms & Conditions may apply.
  Savings are based on full-priced retail year-round airfares from New Zealand to select destinations with participating airlines in selected booking classes in First, Business and Premium Economy. Savings are calculated on the base fare and do not include applicable charges such as taxes, service fees, date change fees and cancellation fees. A maximum of 8 tickets can be purchased per Card Member per transaction. Prices are subject to availability and subject to change. All airfares must be purchased through the Platinum Travel Service and paid for on the Platinum Card. Airfares at sale prices may be released in the market at any time and reduce the featured savings. Fare rules including Advance Purchase, Min/Max Stay, any Penalties/Refunds, Stopovers/Transfers, Discounts (child/infant), and Taxes/Surcharges, are dependent on the airline’s Terms and Conditions and can vary. Airline Partners and offers vary and are subject to change. Contact Platinum Travel Service for full details on the International Airline Program.

[1] These savings are reduced fares as compared with fares otherwise available to non-Platinum Card and Centurion Members through American Express Travel.
[2] Must provide airline loyalty number when booking through American Express Travel. Airline loyalty program rules apply and are subject to change.

18. Digital Wallets
Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries and regions.
Google Pay is a trademark of Google LLC.

19. Shop with Points
You may use Points to make purchases at certain retailers listed on our website. You need to indicate at the time of purchase that you wish to Pay with Points. Individual retailers provide specific delivery and refund polices. Refund policies for Pay with Points retail Partners are subject to the Terms and Conditions of the retail Partner. The retailers’ conditions and refund policies may be amended by the retailers from time to time.

20. Dine with Points
Only American Express Cards issued by American Express International (NZ) Inc are eligible provided they are enrolled in the Membership Rewards programme. Business Cards affiliated with a wholesale partner are not eligible. All your accounts must be in good standing and not overdue. A minimum of 1,000 points must be redeemed at any one time. Offer available for all eligible transactions charged and billed on your Account, including charges made by Additional Card Members, when dining in at participating location Dining Collection restaurants only. Some locations are excluded, please refer to the full list of participating restaurant locations before dining. Participants in this program may change without notice. Excludes spend on gift vouchers, online orders for pick up or delivery and transactions where you do not spend directly at a participating location Dining Collection restaurant. Excludes transactions made through a third-party establishment or payment processor, apart from Windcave. You must Use Points for Charges within two months of the eligible purchase appearing on your Card Account to receive the added value. For this offer a minimum of $7.50 must be paid by Membership Rewards points in a single redemption for Use Points for Charges. American Express will select and display each eligible charge for Use Points for Charges (“Eligible Charge”) and the Points required to pay for the Eligible Charge. A credit will appear on your statement identified as “Membership Rewards Credit”. Use Points for Charges transactions can only be completed online (https://www.americanexpress.com/en-nz/rewards/membership-rewards/agency/American-Express/NZ-Dining-Collection-Dine-with-Points/SPWPDINE).

21. Membership Rewards.
There is no expiry date for points earned while in the programme so long as you are an American Express Card Member enrolled in Membership Rewards® Programme, and your account is kept in good standing and is not overdue.

22. 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.

*Locations estimate as of December 2025, which reflects an estimated 37 million merchants that accept American Express in China (including through digital wallets). LIF represents proprietary and partner acquired merchant locations where the merchant is enabled to accept American Express. LIF estimates incorporate data provided to us by certain third parties and include merchants that accept American Express through payment facilitators and digital wallets.