Rewards Credit Cards from American Express

Let your everyday spend become amazing rewards.

Earn points faster from your everyday spend

Every time you use your Membership Rewards Credit Card to pay for items you regularly buy, you will earn Membership Rewards points. It makes everything more rewarding, from buying the groceries to paying bills.

What is the American Express Membership Rewards Programme?

Our Membership Rewards loyalty programme rewards Card Members for using their American Express^® Card. The more you use your Card, the more Membership Rewards points you can earn. You can then redeem points for travel, gift cards, entertainment experiences and much more.

Explore Membership Rewards

How can you earn points faster?

Keep an eye out for a Rewards Card that earns points faster, such as the American Express Gold Rewards Card which earns you 2 points per dollar spent¹on purchases . It’s just one of the ways you can maximise points and make your Rewards Credit Card work harder for you.

More ways to earn points

Use your Credit Card to pay for regular items like bills, groceries, petrol, your mobile, dining out or your gym membership.

Add a Supplementary Card Member and all points earned will be credited to your Account.

Where can you use Membership Rewards points?

There are so many ways you can use Membership Rewards points. Redeem points for one-off experiences, travel, gift cards and more of the things you love.

Dining

Gift Cards

Shopping

Travel

More ways to use points

You can also use points to:

Dine with Points

Use your points for all Dining Collection Charges. 1,000 Membership Rewards points = $7.50 which is 50% more value.

Redeem points for Gift Cards
Redeem gift cards from a range of travel, entertainment and retail stores such as Westfield, Bunnings, The Warehouse, Farmers, Harvey Norman, Flight Centre and many more.

Use points for Charges
You can redeem points for credit on your Account.

Shop with Points
Plus, when you Pay with Points, 16,000 Membership Rewards points = $100 worth of goods at Harvey Norman.

Redeem points for travel with any one of our travel partners.
You can transfer Membership Rewards points to a wide range of premium Airline and Hotel Reward Partner Programmes, on both The American Express Platinum Card , The American Express Gold Rewards Card and The American Express Platinum Edge Credit Card.

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

American Express Travel Partners

175 Membership Rewards points = 1 Airpoints Dollar™

2 Membership Rewards points = 1 Qantas Frequent Flyer point

2 Membership Rewards points = 1 KrisFlyer Mile

2 Membership Rewards points = 1 Asia Mile

2 Membership Rewards points = 1 Skywards Mile

2 Membership Rewards points = 1 Velocity point

2 Membership Rewards points = 1 Enrich Mile

1,000 Membership Rewards points = 1,000 Hilton Honors points

1,000 Membership Rewards points = 330 Starpoints

Do Membership Rewards points expire?

No, Membership Rewards points will never expire, as long as your Account is current and in good standing. There is no cap on the amount of points you can earn. You can save Membership Rewards points until you are ready to use them.

Cards that make life more rewarding

An easy way to start
earning rewards

The American Express^®
Gold Rewards Card

Earn 2 Membership Rewards points
per $1 spent on your card¹

Transfer points to use on gift cards, travel or to pay off eligible purchases.¹

Get up to $200 Dining Credit
Enjoy $100 back twice a year at participating restaurants in the Local Dining Collection. Exclusions, T&Cs apply.²

Full Card benefits

A premium Card with
first-class rewards

The American Express
Platinum Card^®

Earn 2 Membership Rewards points
per $1 spent on your Card³

Exclusive Dining Credit⁴
Enjoy $150 back when you spend $150 or more, in one transaction, on your American Express Platinum Card at a participating restaurant⁴. Valid twice a year. Exclusions, T&Cs apply.

Receive $200 to spend on travel each year,
which can be redeemed for pre-paid airfares, car hire or hotel bookings through American Express Travel⁵

Full Card benefits

Membership that gives you more

As an American Express Card Member you can take advantage of more travel benefits, richer rewards and outstanding service, plus 24/7 Global Support.

Explore Membership benefits

Explore our Personal Cards

Airpoints™

Earn Airpoints
Dollars™ fast

Platinum

Premium benefits
and services

No Annual Fee

Card Member benefits
with no annual fee

View all Cards

Learn about Credit Cards

Learn about Credit Cards

Managing your Card

Managing your Card

Terms and Conditions

Membership Rewards Points Transfer. Subject to the Terms and Conditions of the Membership Rewards Programme available at www.membershiprewards.co.nz/termsandconditions. To transfer Membership Rewards points into an airline partner programme or a frequent guest partner programme, you must be a member of the partner programme. Membership of the partner programme is the Card Member's responsibility and is subject to the terms and conditions of the applicable programme. A joining fee may apply. Minimum redemption amounts apply. Partners are subject to change. Visit membershiprewards.co.nz for details.

Gold Rewards Card Annual Dining Credit. Valid at participating Dining Collection restaurants only. Limited to one $100 credit each defined calendar period, per Gold Rewards 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 $200 each year, per Gold Rewards 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 transactions where you do not spend directly with your Card at a participating 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. Credit is not redeemable for cash or other payment form. Credit will not be applied to your Gold Rewards Card Account if your Card has been suspended or cancelled. Credit may be reversed if your qualifying purchase is refunded or cancelled. If you hold multiple American Express Cards linked to one Membership Rewards® account, the Credit will be credited to the Primary Card Account only.

Subject to the Terms and Conditions of the Membership Rewards Programme available here.

Platinum Card^® Annual Dining Credit. Valid at participating Dining Collection restaurants only. Limited to one $150 credit each defined calendar period, per Platinum Card Account. The defined calendar periods are between 25 February 2021 and 30 June 2021, and between 1 July 2021 and 31 December 2021. From 2022 onwards, 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 transactions where you do not spend directly with your Card at a participating 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. 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. Visit here for more details on the Dining Collection restaurants.

Annual Travel Credit. If your Card has a Travel Credit benefit, the Primary Card Member is eligible for an annual Travel Credit, subject to Travel Credit Terms and Conditions at americanexpress.co.nz/platinumtravelcreditterms. The Travel Credit can be redeemed through American Express Travel Online on a single eligible travel booking by selecting the Travel Credit when you checkout. To redeem the Travel Credit, the full value of the Travel Credit (or more) must be charged to the eligible Primary Card. Eligible travel includes flights, hotels and car hire when you prepay in advance. The Travel Credit can be used for 365 days from the benefit anniversary date and cannot be used past the expiration date. To check the expiration date of your Travel Credit if you have not already redeemed it, please visit americanexpress.co.nz/travel; log in and click ‘Travel Credit’. If your booking is cancelled, and your Travel Credit has already been used and associated statement credit applied to your account, you will forfeit your annual Travel Credit benefit and American Express may reverse the statement credits issued. You need to be able to spend on the Card to access the Travel Credit benefit and it should be credited to your Card Account within 3 business days but may take up to 30 days. Your account must be in good standing and you must have paid the annual fee and minimum payment by the due date. If you cancel your Card, change your rewards program or Card type, you will no longer be eligible for the Travel Credit.

Rewards Credit Cards from American Express

Earn points faster from your everyday spend

Cards that make life more rewarding

The American Express®Gold Rewards Card

The American ExpressPlatinum Card®

Membership that gives you more

Explore our Personal Cards

Learn about Credit Cards

Managing your Card

The American Express^®
Gold Rewards Card

The American Express
Platinum Card^®