Membership Rewards® Program
Rewards that actually reward
Important Updates
Air New Zealand: Due to a system issue, Air NZ points transfer are temporarily unavailable. We are working to resolve this issue as quickly as possible, but at this point in time are unable to advise a date by when this will be fixed. We apologize for any inconvenience this may cause.
David Jones: David Jones Shop with Points is temporarily unavailable. During this time, our Customer Service team is also unable to assist with redemptions over the phone or chat. We apologize for any inconvenience this may cause.
The Membership Rewards program offers a breadth of rewards so you can propel your journey – wherever it takes you. Earn Membership Rewards points on most everyday purchases, then use points for gift cards, travel rewards, or even to cover recent Card charges. T&Cs apply.
Why you’ll love Membership Rewards points
Unlimited Earning
With no caps, you can earn points on eligible spend
No Expiry
Continue to earn and grow your points every year
Flexible
Redeem for almost anything on points
Use Points to Travel
Transfer your Membership Rewards points to a wide range of Airline Rewards and Frequent Guest Partner Programs1.
Use your Membership Rewards points to pay for your next flight, prepaid hotel or car rental when you book with Amex Travel Online2.
Use Points for Purchases
Membership Rewards gives you the freedom to use your points to cover almost anything you've purchased on your Card3.
Log in to your Account to use points to pay for eligible transactions.
Redeem your points for a credit to your Card, then use this additional credit to buy whatever you like. Amounts credited will appear on the first billing statement following redemption4.
Use Points for Gift Cards
Redeem your Membership Rewards points for Gift Cards from leading brands and retailers across fashion, dining, live entertainment and movies, wellness, health services and more5.
Use Points to Shop
Use your Membership Rewards points to make purchases online and shop at your favourite brands6.
American Express has been named Most Satisfied Customers, Rewards Credit Cards Provider 2024 by Canstar,
thanks to the breadth and flexibility of the Membership Rewards program
Use your Card for everyday purchases like petrol, grocery shopping and eating out
Add Additional Cards for your family and friends to earn points on their spend. T&Cs apply7
Refer a Friend and you could both earn Bonus Points
Check Amex Offers for Bonus Points offers
Ready to Start Earning Points
Explore our lineup of American Express Membership Rewards Cards
Expect rewards after you apply and are approved for an eligible American Express® Card. You can earn Membership Rewards points for just spending on certain categories, depending on your Card. Terms and Conditions apply.
Membership Rewards is the loyalty program of American Express. For every eligible dollar spent on an eligible American Express Card, Membership Rewards points are earned and credited to your Card Account. Points can then be redeemed for travel rewards, shopping rewards and entertainment rewards and more. There’s no limit to how many Membership Rewards points you can earn. And as long as you’re an active Card Member and your account is in good standing, points will never expire. Subject to the Terms and Conditions of the Membership Rewards program.
Redeem your points by logging in to your Membership Rewards Dashboard where you can browse the different redemption options available. Once logged in, follow the prompts on screen to use your points on the redemption option you choose. Your Membership Rewards points can be redeemed for eligible flights, accommodation, gift cards, shopping and more. Subject to the Terms and Conditions of the Membership Rewards program.
You can redeem your points for a range of rewards as listed on this page: gift cards, transfer points to airline and hotel partners, shop with points at select retailers or cover your card charges to pay off your statement. Membership Rewards redemptions span across travel, retail, entertainment and dining categories. Subject to the Terms and Conditions of the Membership Rewards program.
Choose a Card that earns Membership Rewards points here. Depending on your Card, you may be instantly enrolled in Membership Rewards. If your Card is not automatically enrolled in Membership Rewards, you can do so by calling the number at the back of your Card. For Corporate Card holders, you may enrol in Membership Rewards if your Company has chosen to participate in the program. Speak to your Program Administrator for more information .
You can earn Membership Rewards points for virtually every dollar you spend on your Card. Use your Card for everyday purchases and watch your points add up. With every spend, you earn points and the number of points you can earn is limitless. As long as your Card is in good standing, your points will never expire. Subject to the Terms and Conditions of the Membership Rewards program.
To quickly earn Membership Rewards points, follow the below tips:
- Earn points from everyday purchases. From a coffee to a larger grocery shop, they all add up.
- Add Additional Cards to your account so that their spend accumulates points for your Account
- Refer a friend to get Bonus Points
- Check Amex offers for Bonus Points offers.
Subject to the Terms and Conditions of the Membership Rewards program.
You can check your points balance by logging in to your Membership Rewards Dashboard. There you will be able to see your points balance, your history of points redeemed as well as view the redemption options available.
The Membership Rewards Ascent program is available on a range of Personal and business Cards: Platinum Edge Credit Card and the Gold Business Card. It offers a range of redemption options. If you are enrolled in the Ascent program, log in to the Membership Rewards Dashboard to see the redemptions available to you.
Still have more questions? Visit Membership Rewards FAQs
Membership Rewards Terms and Conditions
View full terms and conditions below.
American Express Consumer Cards
American Express Corporate and Business Cards
Terms and Conditions for the Membership Rewards program apply.
- 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.
- American Express Travel Online: To earn or redeem Membership Rewards points, Cards must be enrolled to the American Express Membership Rewards program, 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 Program.
- Cover Charges with Points.
- For each successful transaction with covered 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 to cover any eligible transaction with points. 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 3 business days 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. Any charges covered by points is not redeemable for cash via Credit balance refund.
- American Express will select and display each eligible charge that can be covered with points (“Eligible Charge”) and the points rate required to cover the Eligible Charge. Each Eligible Charge must: (a) appear within 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. Eligible transactions can be covered by points via your online account or American Express mobile app. Covering charges with points is available only to Basic Cardmembers enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing.
- For each successful transaction with covered 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 to cover any eligible transaction with points. 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 3 business days 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. Any charges covered by points is not redeemable for cash via Credit balance refund.
- Points for Credit: The redemption of Points for a credit to your Card (Points for Credit) will be administered by us within three business days and cannot be reversed. Amounts credited will appear on the first monthly statement following redemption. If you hold multiple Cards linked to the one Membership Rewards Account, the Points for Credit redemption will automatically be credited to the Primary Account only. Points may be redeemed by the Card Member for a credit on the Primary Card Account. 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.
- 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.
- 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.
- Points earned by any Additional Card Members will automatically accrue to your Program Account only. Additional Cards cannot be enrolled in the Program separately from your Program Account.