American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information is correct as at 15 July 2026 and is subject to change. This offer is only available to those who reside in Australia. Cards are offered, issued and administered by American Express Australia Limited (ABN 92 108 952 085). ^®Registered Trademark of American Express Company.

1. 375,000 Bonus Membership Rewards^® Points + $875 Credit: Offer only available to new American Express^® Card Members who are existing American Express Merchants, who apply by 3 November 2026, are approved and spend $12,000 on eligible purchases on their new American Express^® Platinum Business 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 other Card product issued by American Express Australia Limited in the preceding 18-month period are ineligible for this offer. 375,000 Bonus Membership Rewards^® Points plus an $875 credit 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 Program available at americanexpress.com/en-au/rewards/membership-rewards/terms. The American Express^® Platinum Business Card has an annual fee of $1,750. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. Once applied for, this offer cannot be substituted for any other offer. You must apply for the American Express Platinum Business Card via our Business Development Executives or on https://www.americanexpress.com/au/ business/merchant-card-offer/.

2. 190,000 bonus Qantas Points + $200 Qantas Business Rewards Travel Fund Offer: Offer only available for eligible American Express Merchants, who apply by 6 October 2026, are approved and spend $6,000 on eligible purchases on their new American Express^® Qantas Business Rewards 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 other Card product issued by American Express Australia Limited in the preceding 18-month period are ineligible for this offer. 190,000 bonus Qantas Points will be awarded to the eligible Card Member's Account 8-10 weeks after the spend criteria has been met. $200 credit will be issued by Qantas into the Card Member’s Qantas Business Rewards Travel Fund up to 10 weeks after the bonus Qantas Points have been awarded. The $200 Travel Fund will only be awarded once per ABN. Bookings made using Travel Fund can only be used for future flight bookings through Qantas Business Rewards; it is non-transferable and cannot be redeemed for cash. Promotional Credits from this offer will be valid for 12 months from the date of issue. Subject to Travel Fund Terms and Conditions. Subject to the American Express^® Qantas Business Rewards Card Points Terms and Conditions. The American Express^® Qantas Business Rewards Card has an annual fee of $450. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. Once applied for, this offer cannot be substituted for any other offer. You must apply for the American Express Platinum Business Card via our Business Development Executives or on https://www.americanexpress.com/au/ business/merchant-card-offer/.

3. Reduced Annual Fee Offer: Offer only available for American Express Merchants who apply and are approved for a new American Express^® Qantas Business Rewards Card. Card Members who currently hold or who have previously held any American Express Business Card product in the preceding 18-month period are ineligible for this offer. As long as you continue to be an American Express accepting Merchant, and do not breach your card acceptance agreement with American Express, your annual card fee will be discounted. You will be required to pay the standard annual card fee of $450 (which is subject to change) should you end your merchant relationship or breach your card acceptance agreement. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. Once applied for, this offer cannot be substituted for any other offer. You must apply for the American Express Qantas Business Rewards Card via our Business Development Executives or on https://www.americanexpress.com/au/business/ merchant-card-offer/.

4. 225,000 Membership Rewards Bonus Points: Offer only available to new American Express Card Members who are existing American Express Merchants who apply by 3 November 2026, are approved and spend $5,000 on eligible purchases on their new American Express^® Business Gold Plus Card in the first three (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 Australia Limited in the past 18 months are ineligible for this offer. 225,000 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 Program available at https://www.americanexpress.com/en-au/benefits/rewards/ membership-rewards/. The American Express Business Gold Plus Card has an annual fee of $395. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. Once applied for, this offer cannot be substituted for any other offer. You must apply for the American Express Business Gold Plus Card via our Business Development Executives or on https://www.americanexpress.com/au/business/ merchant-card-offer/.

5. Earning 2.25 Membership Rewards Points: Subject to the Terms and Conditions of the Membership Rewards program available here. Merchants classified as "government" include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. There may be tax implications associated with participation in the Membership Rewards program. You are advised to check with your accountant or tax adviser for further information.

6. Points Transfer: Subject to the Terms and Conditions of the Membership Rewards program available at americanexpress.com/australia/membership rewardsplatinum. To transfer Membership Rewards points into an Airline or Frequent Guest Partner Program you must be a member of the Partner Program. Membership of the Partner Program is the Card Members responsibility and is subject to the terms and conditions of the applicable Program. A joining fee may apply. Award seats are not available on all routes. Please check availability with the Partner prior to transferring your points. Charges/levies/taxes may apply. The redemption of points will be administered solely by American Express. A minimum transfer amount applies. Points transferred to Partner Airlines are not reversible and American Express holds no responsibility for flight or accommodation availability, which may be limited. This is at the sole discretion of the Airline and Hotel Partners.

7. Earn Rate: A business must be a Qantas Business Rewards Member to earn Qantas Points for business. Membership and the earning of Qantas Points as a business are subject to the Qantas Business Rewards Terms and Conditions. Points are earned in accordance with and subject to the American Express Qantas Business Rewards Card Points Terms and Conditions. Your business will earn 1.25 Qantas Points per $1 of everyday spend, which does not include annual fees, late payment fee and fees and charges for foreign currencies. Your business will earn 0.5 Qantas Points per $1 spent at participating merchants classified as "utilities" including gas, water and electricity providers; "government" including the Australian Taxation Office, the Australian Postal Corporation, federal/state and local government bodies; and "insurance" excluding insurances offered by American Express. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. Your business will earn 2 Qantas Points per $1 spent on the following Qantas Products and Services purchased on the Qantas merchant account (i.e. directly from Qantas): Qantas passenger flights (with a QF flight number), Qantas Holidays, Qantas Branded non-airfare products, and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar. For the full list of exclusions, please refer to the American Express Qantas Business Rewards Card Points Terms and Conditions. Once you have earned a total of 500,000 Qantas Points on your Card Account in a calendar year, your earn rate of 1.25 Qantas Points per $1 spent will change to 0.75 Qantas Points per $1 spent on everyday business purchases. All other earn rates (Qantas products, services and government, utilities and insurances spend) will remain unchanged. The points threshold is based on eligible Qantas Points earned during a calendar year and will be reset on 1 January each year. Qantas Points earned by all Card Members on a Card Account contribute to the 500,000 points threshold each calendar year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.

8. Bonus Qantas Points on Eligible Flights: A business must be a Qantas Business Rewards Member and include both its ABN and the traveller’s Qantas Frequent Flyer number on eligible Qantas flight bookings to earn 2 bonus Qantas Points on eligible flights per $1 spent for business. Points will be credited after all segments in a flight booking have been flown. Any segment that is not flown or cancelled will not earn points. Qantas Points will not be earned on credit card fees, change fees, and ancillary purchases such as seat selection and baggage. Qantas Points earned for the business are only available for American Express Qantas Business Rewards or American Express Qantas Corporate Card Members when the Card is used to make an eligible Qantas flight booking. An eligible flight means a domestic or international flight which has a Qantas 'QF' flight number on the ticket that is purchased in Australia; is operated by Qantas, Emirates or American Airlines; has a ticket number commencing with '081'; and is booked and travelled for business purposes on or after the date the business registers for Qantas Business Rewards; and does not include a segment of the booking that includes a non-QF coded flight. Exclusions apply. The bonus Qantas Points benefit is not available in conjunction with any other rebate, Corporate Fares Agreement or discount arrangement with Qantas. A Member's ABN and traveller's Qantas Frequent Flyer number must be quoted at the time of booking to earn Qantas Points for both the business and the traveller. Qantas will allocate bonus Qantas Points to the business under the Qantas Business Rewards Airline Reward Scheme Terms and Conditions. The 2 bonus Qantas Points for business benefit applies to all bookings made on or after 17 June 2026. Any bookings made before 17 June 2026 will earn points under the benefit in effect at the time of booking.

9. Points Transfers: In order to transfer Qantas Points from a Qantas Business Rewards account to an individual's Qantas Frequent Flyer account, the business account must have a balance of at least 3,000 Qantas Points. You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points. A joining fee may apply. Membership and Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions. We recommend you consult your accountant or tax adviser to ensure you understand possible tax implications, for example fringe benefits tax (if applicable).

10. Membership Rewards^® Program for The American Express^® Business Gold Plus Card: Subject to the Terms and Conditions of the Membership Rewards^® program available at americanexpress.com/en-au/rewards/membership-rewards/terms.

Earn 3 points per $1 spent directly at these selected merchants: Xero, Google Ads, Meta for Business, Amazon Web Services (AWS) and Dell. Spend made through an aggregator or intermediary 3rd party platforms for these transactions may not be eligible for accelerated points earn.

Earn 2 points per $1 spent with American Express^® AccessLine. Excludes any special risk based pricing Customer transactions with AccessLine. This information has been prepared without taking into account your objectives, financial situation or needs. You should read the AccessLine Terms and Conditions and consider the appropriateness of Australian domestic payments using AccessLine in relation to your individual requirements. AccessLine is not available to individual consumers. To enrol in this service, your business will be required to complete an application, which is subject to review and approval by American Express. To use AccessLine, you must have an eligible American Express Corporate Card or American Express Business Card that is registered to use the service. Terms, conditions, fees and charges apply. Learn more about AccessLine here.

Earn 1.5 points for every $1 spent everywhere else except government where you will earn 1 point for every $1 spent. Merchants classified as "government" include the Australian Taxation Office, the Australian Postal Corporation, Federal/State and Local government bodies. Industry-specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example, a payment made to Local Government bodies processed through a payment aggregator may earn points at the government earn rate.

After a total of 200,000 points is earned in a calendar year, you will earn 1 point for every $1 for all spend, uncapped and with no expiry. Points earned by Primary and Employee Card Members on a Card Account contribute to the 200,000 points threshold each calendar year and threshold resets on 1st January every year. Bonus points earned from Acquisition bonus offers and marketing campaigns are excluded from the threshold.

11. Points Expiry: There is no expiry on points as long as the Card Account is active, enrolled in Membership Rewards program and is kept in good standing and not overdue.

12. Unless we tell you otherwise, your American Express Charge Card comes with flexible spending power, also known as no pre-set spending limit. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your business' credit rating, and other factors. The way you use your Card can help your spending power grow, particularly in the first few months. To help maximise your spending power, make regular transactions and don’t miss any payments.

13. Extending cash flow by up to 55 days: Depending on your method of payment, when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your account from your previous statement period. If you pay by direct debit, your payment will be processed 10 days after your statement is issued.

14. Employee Cards: 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.

15. Accessline: This information has been prepared without taking into account your objectives, financial situation or needs. You should read the AccessLine Terms and Conditions and consider the appropriateness of Australian domestic payments using AccessLine in relation to your individual requirements. AccessLine is not available to individual consumers. To enrol in this service, your business will be required to complete an application, which is subject to review and approval by American Express. To use AccessLine, you must have an American Express Business Card or American Express Corporate Card that is registered to use the service. Terms, conditions, fees and charges apply.

16. Extending cash flow with up to 51 days: Depending on your method of payment, when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your account from your previous statement period. If you pay by direct debit, your payment will be processed 10 days after your statement is issued.

17. Extending cash flow: Extend your cash flow by up to 55 days: Depending on your method of payment, when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your account from your previous statement period. If you pay by direct debit, your payment will be processed 10 days after your statement is issued.

18. Employee Cards: Subject to Terms and Conditions. This offer is only available to those who reside in Australia. Two Employee Cards are complimentary; then $75 p.a. for each additional Employee Card. All Employee Card Members will receive the standard recycled plastic Card. 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.

19. Global Lounge Collection: This benefit is available to American Express^® Platinum Personal, Platinum Business and Corporate Platinum Charge Card Members (“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 Employee Platinum Card Members have complimentary access to participating locations of The Centurion Lounge. Platinum Business 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 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. 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 Employee 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 Business 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, Additional and Employee 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. Additional Gold Cards and Additional Green Cards on your Platinum Account are not eligible for complimentary access. 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, Additional and Employee 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. Additional Gold Cards and Additional Green Cards on your Platinum Account are not eligible for complimentary access. 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: Prior to 1 October 2026, Platinum Card Members may bring up to two (2) guests into Plaza Premium Lounges.

Effective 1 October 2026, the complimentary guest allowance for Platinum Personal and Platinum Business Cards will change from two (2) guests to one (1) guest. Corporate Platinum Card Members may continue to bring up to two (2) guests.

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, Additional and Employee Platinum Card Members have complimentary access to participating global locations of Plaza Premium Lounges. Additional Gold Cards and Additional Green Cards on your Platinum Account are not eligible for complimentary access. 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.

Virgin Australia: Virgin Australia Lounge access is operated by Virgin Australia and is subject to Virgin Australia’s access rules.

Access is to Virgin Australia-branded lounges at their city of departure in Australia only. Access is complimentary for Primary Card Members holding a Platinum Personal, Business or Corporate Charge Card issued in Australia only and one (1) complimentary guest per visit. The Primary Platinum Card Member and guest must be travelling with Virgin Australia domestically on the same Virgin Australia flight. The Platinum Card Member must present their valid physical Platinum Card and same-day boarding pass to Virgin Australia lounge agents and the name on the boarding pass must match the name on the Platinum Card. The guest must also present their boarding pass. All access is subject to space availability. This benefit is subject to change.

Priority Pass™:
Prior to 1 October 2026:

• Primary Platinum Business Card Members and one Employee Platinum Business Card Member as nominated by the Primary Card Member may enrol in the Priority Pass™ program.
• At any visit to a Priority Pass lounge that admits guests, Platinum Business and Corporate Platinum Card Members will be charged the prevailing retail rate for any guests.

Effective 1 October 2026:

• Enrolment in the Priority Pass™ program and complimentary Priority Pass lounge access will be available only to the Primary Platinum Business Card Member, and all complimentary Priority Pass memberships and lounge access for Employee Card Members will end.
• At any visit to a Priority Pass lounge that admits guests, Platinum Business and Corporate Platinum Card Members may bring one (1) complimentary guest from this date.

Priority Pass is an independent airport lounge access program. This benefit is available to Platinum Business and Corporate Charge Card Members. 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 either 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. If you have paid for any 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 members 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 Business 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.

Lufthansa: Effective 1 October 2026, eligible Primary, Additional and Employee Platinum Card Members will no longer have access to Lufthansa Lounges via the Global Lounge Collection benefit. Eligible Card Members continue to have access to Lufthansa Lounges up until 30 September 2026.

Lufthansa Lounge access is operated by Lufthansa Air Lines and is subject to Lufthansa’s access rules, conditions and availability. For the most current list of Lufthansa lounges, guest access requirements, rules, and pricing policy, please visit lufthansa.com/de/en/lounges.

This benefit is available to Primary, Additional and Employee Platinum Card Members. Additional Gold Cards and Additional Green Cards on your Platinum 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 physical Platinum Card, 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. Additional guest access and fees subject to terms and conditions of participating lounges. Minimum age requirements may vary by location, and in some Lounges the Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. All Lufthansa Lounge visitors must be of legal drinking age in the jurisdiction where the Lounge is located to consume alcoholic beverages. Please drink responsibly. 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 amex.com.au/platinumlounges.

20. An annual ALL Accor+ Explorer Membership is valued at AU$349, found at accorplus.com/au/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 accorplus.com/au/terms-and-conditions. Membership privileges are subject to exceptions listed at accorplus.com/au/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/au/terms-and-conditions.

21. 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 eligible Platinum Charge Card Members and Centurion^® Members. Platinum Credit Card Members who are not also Australian Platinum Charge Card Members or Centurion^® Members, are not eligible for FHR program benefits. Bookings must be made using an eligible Card and must be paid using that Card, or another American Express^® Card, in the eligible Card Member's name, and that Card Member must be travelling on the itinerary booked. 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 US$100 credit will be applied to eligible charges up to the amount of the credit. To receive the US$100 credit, the eligible spend must be charged to your hotel room. The US$100 credit will be applied at check-out. Advance reservations are recommended for certain US$100 credits. The type and value of the daily breakfast (for two) varies by property; breakfast will be valued at a minimum of US$60 per room per day. To receive the breakfast credit, the breakfast bill must be charged to your hotel room. The breakfast credit will be applied at check-out. 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, Card Members staying in the same room or Card Members travelling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional FHR benefits (“Prohibited Action”). 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 a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your FHR benefits. Benefit restrictions vary by property. Benefits cannot be redeemed for cash and are not combinable with other offers unless indicated. Benefits must be used during the stay booked. Any credits applicable are applied at check-out in USD or the local currency equivalent. 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. For additional information, please call the number on the back of your Card.

22. The Hotel Collection (THC) benefits are available for new bookings of two consecutive nights or more, with participating properties, made through Platinum Travel Service, Centurion Travel Service or American Express Travel Online. Bookings are valid only for eligible Card Members of the following American Express Cards: American Express^® Rewards Advantage Card, American Express^® Explorer Credit Card, American Express^® Platinum Reserve Credit Card, American Express^® Gold Card, American Express^® Gold Business Card, American Express^® Business Gold Plus Card, American Express^® Platinum Card, American Express^® Platinum Business Card and American Express^® Centurion Card. Excludes Gold Credit Card Members who are not also Australian Rewards Advantage, Gold or Platinum Charge Card Members. Bookings must be made using an eligible Card and must be paid using that Card, or another American Express^® Card, in the eligible Card Member's name, and that Card Member must be travelling on the itinerary booked to be eligible for benefits described. Noon check-in, late check-out and the room upgrade are subject to availability; certain room categories are not eligible for upgrade. The type of US$100 credit and additional amenity (if applicable) varies by property; the US$100 credit will be applied to eligible charges up to US$100. To receive the US$100 credit, the eligible spend must be charged to your hotel room. The US$100 credit will be applied at check-out. Advance reservations are recommended for certain credits. Benefit restrictions vary by property. Benefits are applied per room, per stay (with a three-room limit per stay). Back-to-back stays booked by a single Card Member, Card Members staying in the same room or Card Members traveling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional THC benefits (“Prohibited Action”). American Express and the Property reserve the right to modify or revoke the THC benefits at any time without notice if we or they determine, in our or their sole discretion, that you have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your THC benefits. Benefits cannot be redeemed for cash and are not combinable with other offers unless indicated. Benefits must be used during the stay booked. Any credits applicable are applied at check-out in US Dollars or the local currency equivalent. Benefits, participating properties, and availability and amenities at those properties are subject to change. To be eligible for THC program benefits, your eligible Card Account must not be cancelled. For additional information, call the number on the back of your Card.

23. The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Platinum Business Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Platinum Business Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs.

This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.

24. Qantas Club Complimentary Lounge Invitations: Your business is eligible to receive two domestic Qantas Club Complimentary Lounge Invitations each anniversary year of your American Express Qantas Business Rewards Card (Card) Membership, provided that: (a) the Primary Card Member is a Qantas Frequent Flyer member; (b) your business makes a purchase on selected Qantas products and services; and (c) you have registered your business’s Qantas Frequent Flyer number with your business's Card Account. Selected Qantas products and services are the purchase of (a) a Qantas passenger flight departing from Australia with a QF flight number, purchased in Australian Dollars (AUD) directly from Qantas.com.au using your business's Card that appears on your Card statement; or (b) using your Card to pay for joining or annual fees for Qantas Frequent Flyer, Qantas Business Rewards or Qantas Club membership. Within 2 weeks of purchasing selected Qantas products and services, two Qantas Club Complimentary Lounge Invitations will be assigned to the Qantas Frequent Flyer account nominated by your business. If your Qantas Frequent Flyer member information requires updating, call the number on the back of your Card. In order to use your invitations, login to your Qantas Frequent Flyer Account or use the Qantas App to access your invitations and link them with an eligible Qantas flight booking prior to use (must be done at least 24 hours prior to your departure time). Each Qantas Club Complimentary Lounge Invitation is valid for a single visit by one guest to a domestic Qantas Club Lounge only and must be used prior to expiry. Access and use are subject to the Complimentary Lounge Invitation Terms and Conditions and the Lounge Entry Terms and Conditions. Invitations may be revoked or withheld if your business's Card account is not in good standing, if the selected Qantas products and services are refunded in full, or if you have not complied with the Complimentary Lounge Invitation Terms and Conditions, and the American Express Business Terms and Conditions.

25. Complimentary travel insurance: The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Qantas Business Rewards Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Qantas Business Rewards Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs.

This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.

26. Complimentary travel insurance: The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Business Gold Plus Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Business Gold Plus Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs.

This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.

27. Hilton Honors Silver Status: Eligible Card Members 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.

28. The Hertz Gold Plus Rewards: These benefits are available only to valid American Express Card Members who have created an American Express benefits-enabled Gold Plus Rewards program profile by enrolling via the dedicated enrollment process at www.hertz.com/AmexBenefits, or for existing Gold Plus Rewards members who have added promotional CDP number: 705500 to their Gold Plus Rewards profile. In all cases, a valid American Express card must be registered as the form of payment in your Gold Plus Reward membership profile. Benefits are only available for new reservations via www.hertz.com, www.hertz.com/AmexBenefits or through Hertz worldwide telephone reservations when the member’s American Express benefits-enabled Gold Plus Rewards membership number is entered prior to completion of the booking. Entire payment must be made on a valid American Express card. Offer is subject to availability at participating locations. Offer may not be combined with any other promotional offer. Standard blackout dates apply - see Hertz Reservation Terms and Conditions. To enrol visit www.hertz.com/AmexBenefits. Fulfillment of this offer is the sole responsibility of Hertz. Full Hertz offer terms and conditions are here.

29. Amex Experiences App: Apple, the Apple logo,Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Android and Google Play are trademarks of Google Inc. The Android robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.

30. The Australian Premium Subscription benefit offer (‘Benefit’) is available to eligible American Express Australia Card Members (‘Card Members’).

Once you have requested to enrol in The Australian Premium Subscription, American Express Australia Limited (‘American Express’) will determine your eligibility to enrol in the Benefit via the enrolment process. If eligible then American Express will share your enrolment information with Nationwide News Pty Ltd (‘News Corp’). News Corp may use this enrolment information in accordance with its privacy policy available here.

The Benefit will provide eligible Card Members with; (a) a 12 month digital access to The Australian which provides premium content at theaustralian.com.au and via The Australian app; (b) eligibility to activate a digital subscription to the Wall Street Journal which will run concurrently with the subscription in (a) above; (c) a bespoke The Australian Premium e-newsletter sent every week and exclusive to subscribers of The Australian Premium subscription; and (d) access to The Australian annual event. Eligible Card Members must activate the Benefit described in (a) above in order to be provided with the opportunity to activate or enjoy the other parts of the Benefit.

Card Members are not required to pay for the Benefit. Subscriptions provided under the Benefit will be automatically renewed every 12 months provided American Express and News Corp continue their arrangements in relation to this Benefit. Under the Benefit, you are limited to one digital subscription per eligible Card Member; not to be used in conjunction with any other offer; subscription is for digital content only; physical newspapers are not included. In addition to these terms and conditions, your use of the Benefit is subject to News Corp’s full digital subscription terms and conditions available here. For avoidance of doubt, terms and conditions contained here will take precedent in the event of inconsistency. Eligible Card Members will be required to agree to News Corp’s terms and conditions and privacy policy to activate the Benefit.

News Corp may cancel any digital subscription provided under the Benefit at any time if the Card Member subscriber is in breach of these terms and conditions or the News Corp terms and conditions for any part of the Benefit, if notified by American Express that a Card Member is no longer eligible for this subscription or if American Express and News Corp cease to have an agreement relating to the continued provision of the Benefit. The value of the Benefit is not redeemable for cash or any other payment form. American Express may end this Benefit at any time.

31. Business Gold Plus Xero Benefit: Save this American Express^® Business Gold Plus Card benefit to your Card and spend $100 in one or more transactions, online at www.xero.com/au/ to get $100 back. Benefit redeemable once each calendar year until the benefit end date of 31/12/2026. Terms, conditions and exclusions apply.

Benefit Limit is $100 per calendar year: Spend $100 or more in one or more transactions to receive $100 back, per calendar year. Limited to one credit at a total of $100 each calendar year. Each redemption period resets on 1 January until the offer end date of 31/12/2026. You cannot carry any unused offer value from one redemption period into the next.

Primary Card Member Only: The Benefit is only available to Primary American Express^® Business Gold Plus Card Members using their American Express^® Business Gold Plus Card. Transactions made with an Additional Card or Employee Card are not eligible for this Benefit.

Save this Benefit First: You must first save the Benefit to your American Express^® Business Gold Plus before making your payment to qualify for the benefit. Card Members will automatically be enrolled for the subsequent redemption periods from their enrolment date. The final date to enrol and spend is 31/12/2026. Only payments made after enrolment are eligible for the benefit. You should ensure that your American Express^® Business Gold Plus is set as your default payment method with Xero to avoid missing the benefit. If you use another card to make a payment at any time, you will not be eligible for the benefit on that card.

Eligible Transactions: Excludes transactions where you do not spend directly on the Card Account to which the offer is saved, in AUD, online at www.xero.com/au/. Benefit valid at Australian website only. Your Card must be charged prior to the end of each redemption period to be eligible for the credit in the redemption period.

Direct Payments Only: If you pay using third party payment providers, such as Buy Now Pay Later providers or payment processors, you will not be eligible for the benefit.

Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date of payment but may take longer. Credit(s) are not redeemable for cash or any other payment form.

Your use of Xero: Your purchase of goods and/or services from Xero is governed by their respective terms and conditions (including privacy policies). American Express is not responsible in any way for the goods and/or services of the participating brands. Inquiries or complaints related to the participating brands' goods and/or services should be directed to their customer service.

Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain important additional terms.

32. Business Gold Plus Google Ads Benefit: Save this American Express^® Business Gold Plus Card benefit to your Card and spend AU$100 in one or more transactions, online at ads.google.com to get AU$100 back. Benefit redeemable once each calendar year until the benefit end date of 31/12/2026. Terms, conditions and exclusions apply.

Benefit Limit is AU$100 per calendar year: Spend AU$100 or more in one or more transactions to receive AU$100 back, per calendar year. Limited to one credit at a total of $100 each calendar year. Each redemption period resets on 1 January until the offer end date of 31/12/2026. You cannot carry any unused offer value from one redemption period into the next.

Primary Card Member Only: The Benefit is only available to Primary American Express^® Business Gold Plus Card Members using their American Express^® Business Gold Plus Card. Transactions made with an Additional Card or Employee Card are not eligible for this Benefit.

Save this Benefit First: You must first save the Benefit to your American Express^® Business Gold Plus before making your payment to qualify for the benefit. Card Members will automatically be enrolled for the subsequent redemption periods from their enrolment date. The final date to enrol and spend is 31/12/2026. Only payments made after enrolment are eligible for the benefit. You should ensure that your American Express^® Business Gold Plus is set as your default payment method with Google Ads to avoid missing the benefit. If you use another card to make a payment at any time, you will not be eligible for the benefit on that card.

Eligible Transactions: Excludes transactions where you do not spend directly on the Card Account to which the offer is saved, in AUD or USD online at ads.google.com. Benefit valid at Australian website only. Your Card must be charged prior to the end of each redemption period to be eligible for the credit in the redemption period. If you spend in a currency other than Australian Dollars, a Currency Conversion Fee applies and this fee does not count towards the benefit spend requirement. For more information regarding charges made in foreign currencies refer to your Card Member Agreement. You must meet the benefit spend requirement of $100 Australian Dollars after currency conversion to be eligible for the benefit.

Direct Payments Only: If you pay using third party payment providers, such as Buy Now Pay Later providers or payment processors, you will not be eligible for the benefit.

Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date of payment but may take longer. Credit(s) are not redeemable for cash or any other payment form.

Your use of Google Ad Services: Your purchase of goods and/or services from Google Ads is governed by their respective terms and conditions (including privacy policies). American Express is not responsible in any way for the goods and/or services of the participating brands. Inquiries or complaints related to the participating brands' goods and/or services should be directed to their customer service.

Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain important additional terms.

33. Business Gold Plus Meta Benefit: Save this American Express^® Business Gold Plus Card benefit to your Card and spend $100 in one or more transactions, in-app or online at Meta for Business to get $100 back. Benefit redeemable once each calendar year until the benefit end date of 31/12/2026. Terms, conditions and exclusions apply.

Benefit Limit is $100 per calendar year: Spend $100 or more in one or more transactions to receive $100 back, per calendar year. Limited to one credit at a total of $100 each calendar year. Each redemption period resets on 1 January until the offer end date of 31/12/2026. You cannot carry any unused offer value from one redemption period into the next.

Primary Card Member Only: The Benefit is only available to Primary American Express^® Business Gold Plus Card Members using their American Express^® Business Gold Plus Card. Transactions made with an Additional Card or Employee Card are not eligible for this Benefit.

Save this Benefit First: You must first save the Benefit to your American Express^® Business Gold Plus before making your payment to qualify for the benefit. Card Members will automatically be enrolled for the subsequent redemption periods from their enrolment date. The final date to enrol and spend is 31/12/2026. Only payments made after enrolment are eligible for the benefit. You should ensure that your American Express^® Business Gold Plus is set as your default payment method with Meta for Business to avoid missing the benefit. If you use another card to make a payment at any time, you will not be eligible for the benefit on that card.

Eligible Transactions: Excludes transactions where you do not spend directly on the Card Account to which the offer is saved, in AUD in-app or online at www.facebook.com/business/marketing/facebook. Benefit valid at Australian app and website only. Your Card must be charged prior to the end of each redemption period to be eligible for the credit in the redemption period.

Direct Payments Only: If you pay using third party payment providers, such as Buy Now Pay Later providers or payment processors, you will not be eligible for the benefit. Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date of payment but may take longer. Credit(s) are not redeemable for cash or any other payment form.

Your use of Meta for Business: Your purchase of goods and/or services from Meta for Business is governed by their respective terms and conditions (including privacy policies). American Express is not responsible in any way for the goods and/or services of the participating brands. Inquiries or complaints related to the participating brands' goods and/or services should be directed to their customer service.

Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain important additional terms.

34. Business Gold Plus Amazon Web Services Benefit: Save this American Express^® Business Gold Plus Card benefit to your Card and spend $100 in one or more transactions, online at aws.amazon.com to get $ 100 back. Benefit redeemable once each calendar year until the benefit end date of 31/12/2026. Terms, conditions and exclusions apply.

Benefit Limit is $100 per calendar year: Spend $100 or more in one or more transactions to receive $100 back, per calendar year. Limited to one credit at a total of $100 each calendar year. Each redemption period resets on 1 January until the offer end date of 31/12/2026. You cannot carry any unused offer value from one redemption period into the next.

Primary Card Member Only: The Benefit is only available to Primary American Express^® Business Gold Plus Card Members using their American Express® Business Gold Plus Card. Transactions made with an Additional Card or Employee Card are not eligible for this Benefit.

Save this Benefit First: You must first save the Benefit to your American Express^® Business Gold Plus before making your payment to qualify for the benefit. Card Members will automatically be enrolled for the subsequent redemption periods from their enrolment date. The final date to enrol and spend is 31/12/2026. Only payments made after enrolment are eligible for the benefit. You should ensure that your American Express^® Business Gold Plus is set as your default payment method with Amazon Web Services to avoid missing the benefit. If you use another card to make a payment at any time, you will not be eligible for the benefit on that card.

Eligible Transactions: The benefit only applies to online spend made at aws.amazon.com. Only valid for payments made in AUD, with the billing country for your subscription selected as Australia. Benefit valid at Australian website only. Your Card must be charged prior to the end of each redemption period to be eligible for the credit in the redemption period.

Excluded Transactions: Excludes transactions where you do not spend directly on the Card Account to which the offer is saved at aws.amazon.com. The benefit excludes any additional purchases or charges, such as payments made via phone and purchases made at amazon.com.au. For purchases of products that may have a delayed delivery, or if you accept a free trial, you must ensure that $100 or more has been charged to your Card by the end of each redemption period (31 December) to be eligible for the credit within that redemption period. Excludes pre-order items where the release date is after benefit end date.

Direct Payments Only: If you pay using third party payment providers, such as Buy Now Pay Later providers or payment processors, you will not be eligible for the benefit.

Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date of payment but may take longer. Credit(s) are not redeemable for cash or any other payment form.

Your use of Amazon Web Services: Your purchase of goods and/or services from Amazon Web Services is governed by their respective terms and conditions (including privacy policies). American Express is not responsible in any way for the goods and/or services of the participating brands. Inquiries or complaints related to the participating brands' goods and/or services should be directed to their customer service.

Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain important additional terms.

35. Business Gold Plus Square Benefit: Save this benefit to your Card and spend AU$300 or more in one or more transactions at Square online, on hardware and or software subscriptions to receive one $100 credit back. If new to Square, sign up here. Benefit redeemable once each calendar year until the benefit end date of 31/12/2026. Terms, conditions apply.

Benefit Limit is AU$100 per calendar year: Save this American Express^® Business Gold Plus Card benefit to your Card and spend AU$300 or more in one or more transactions at Square online, on either Square hardware or Square software subscriptions to receive one AU$100 back, per calendar year. Limited to one credit at a total of $100 each calendar year. Each redemption period resets on 1 January until the offer end date of 31/12/2026.  Terms, conditions and exclusions apply. The redemption periods are between 1 October 2025 – 31 December 2025 and between 1 January – 31 December 2026. You cannot carry any unused offer value from one redemption period into the next.

Primary Card Member Only: The Benefit is only available to Primary American Express^® Business Gold Plus Card Members using their American Express^® Business Gold Plus Card. Transactions made with an Additional Card or Employee Card are not eligible for this Benefit.

Save this Benefit First: To redeem, you'll need a Square account.  Sign up here if you don't have one yet before making a purchase.  If you already have a Square account, you must first save the Benefit to your American Express^® Business Gold Plus Card before making your payment to qualify for the benefit. The final date to enrol and spend is 31/12/2026. Only payments made after enrolment are eligible for the benefit. You should ensure that your American Express^® Business Gold Plus Card is set as your default payment method with Square to avoid missing the benefit. Benefit limited to the Card to which the offer is saved and only spend on this Card counts towards the Benefit. If you use another card to make a payment at any time, you will not be eligible for the Benefit on that card.

Eligible Transactions: Excludes transactions where you do not spend directly on the Card Account to which the offer is saved, in AUD online at squareup.com/au/en. This benefit applies only to transactions on Square hardware and or Square software subscriptions purchases. Only paid Square software plans are eligible for this offer. Third-party applications that use Square’s APIs and SDKs, Afterpay, and other payment related tools are ineligible. Any merchant processing fees and Instant Transfer fees are ineligible. Benefit valid at Australian website only. Your Card must be charged prior to the end of each redemption period to be eligible for the credit in the redemption period. Excludes purchases made in retail stores. To be eligible, you'll need a Square account.  Fill in a form here if you don't have one yet before you make a purchase.

Direct Payments Only: Your payment must be made in AUD directly online at squareup.com/au/en to be eligible for the benefit. If you pay using third party payment providers, such as Buy Now Pay Later providers, third party payment providers or payment processors, you will not be eligible for the benefit.

Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date of payment but may take longer. Credit(s) are not redeemable for cash or any other payment form. Credit will not be applied to your Card Account if your Card has been suspended or cancelled. Credit may be reversed if your qualifying purchase is refunded or cancelled.

Your use of Square Services: Your purchase of goods and/or services from Squareup.com is governed by their respective terms and conditions (including privacy policies). American Express is not responsible in any way for the goods and/or services of the participating brands. Inquiries or complaints related to the participating brands' goods and/or services should be directed to their customer service.

Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain important additional terms.

36. Business Gold Plus Dell Benefit: Save this American Express^® Business Gold Plus Card benefit to your Card and spend online at www.dell.com.au or by phone on 1800 880 855 to receive your purchase amount back as a credit, up to $75 back per redemption period. Benefit redeemable once every 6 months until the benefit end date of 31/12/2026. Exclusions apply.

Benefit Limit is $75, every calendar 6 months: the benefit value is capped at $75 each redemption period, per Card Account. The benefit value will reset on 1 January and 1 July every year until the benefit end date of 31/12/2026. You cannot carry any unused offer value from one redemption period into the next.

Primary Card Member Only: The Benefit is only available to Primary American Express^® Business Gold Plus Card Members using their American Express^® Business Gold Plus Card. Transactions made with an Additional Card or Employee Card are not eligible for this Benefit.

Save this Benefit First: You must first save the Benefit to your American Express^® Business Gold Plus before making your payment to qualify for the benefit. Card Members will automatically be enrolled for the subsequent redemption periods from their enrolment date. The final date to enrol and spend is 31/12/2026. Only payments made after enrolment are eligible for the benefit. You should ensure that your American Express^® Business Gold Plus is set as your default payment method with Dell to avoid missing the benefit. If you use another card to make a payment at any time, you will not be eligible for the benefit on that card.

Eligible Transactions: Excludes transactions where you do not spend directly on the Card Account to which the offer is saved, at www.dell.com.au or by phone on 1800 880 855. Offer valid at Australian website and phone orders only. Your Card must be charged prior to the end of each redemption period to be eligible for the credit in the redemption period.

Direct Payments Only: If you pay using third party payment providers, such as Buy Now Pay Later providers or payment processors, you will not be eligible for the benefit.

Award of Credits: Credit(s) should appear on your billing statement within 30 days from the date of payment but may take longer. Credit(s) are not redeemable for cash or any other payment form.

Your use of Dell: Your purchase of goods and/or services from Dell is governed by their respective terms and conditions (including privacy policies). American Express is not responsible in any way for the goods and/or services of the participating brands. Inquiries or complaints related to the participating brands' goods and/or services should be directed to their customer service.

Our General Offer Terms: Our General Offer Terms also apply to the benefit and contain important additional terms.