All your business. One Account.
Add an Employee Card to better
manage your expenses.
All your business. One account.
Add American Express Employee Card to better manage your expenses.
More visibility, more control, one Account.
Employee Cards can help streamline your business spend and give you greater visibility over your expenses, while enabling you to earn more rewards.
Earn points on more purchases
Employee Cards earn points at the same
rate as your Primary Card (if enrolled).
More Cards = more Points.1
Manage expenses on the go
View, track and repay employee spend
through your Online Account or the
Amex App.
See important numbers clearly
Make clearer decisions on cash flow
with a consolidated, real-time view of
your business outgoings.
Control Employee Spend
Feel confident knowing you have full visibility
of employee expenses with the option to lock Cards when needed.2
Set spend limits
Determine the spending capacity within your approved limit
of each Employee Card to suit your business needs.2
Add an Employee Card in 3 easy steps
Select your Card and have
your applicant details ready.
Click 'Apply Now' to be redirected
to the application form.
Once completed, return your signed form
by either post or email.
Details can be found on the form.
Choose a Card to get started
The Card you choose must correspond with your Primary Card.
American Express®
Business Card
- Earn points on Employee Card spend3
- Includes Transport Accident Cover4
- Employee Card fee of $40 p.a. per Card
Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions, and cover limits).
American Express®
Gold Business Card
- Earn Points on Employee Card spend3
- Includes Transport Accident Cover5
- Complimentary Overseas Travel Insurance5
- Employee Card fee of $70 p.a. per Card
Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions, and cover limits).
Manage employee spend,
no matter where it happens
See how an Employee Card can help bring your business greater control over the important numbers.
FAQs
No – you can only apply for the same Employee Card as your Primary Card.
Charges made are the responsibility of the Primary Business Card Member and the Business. Charges will be billed to the Primary Card Member’s Account.
1. What is Employee Card Liability?
As of 1st August 2023, the Primary Card Member and the Business will be liable for all charges and fees associated with the Employee Card.
2. What does this mean for the Primary Card Member?
The Primary Card Member will be the sole signatory required to authorize the Employee Card application, enabling a more streamlined process.
3. What does this mean for the Employee Card Member?
The Employee Card Member must continue to comply with the Terms and Conditions of their Employee Card.
4. As the Primary Card Holder, what can I do to ensure the security of my Employee Card/s?
We want the Primary Card Member and their Business to continue to feel confident with their Account(s). There are two ways for the Primary Card Members, who hold an American Express Business Charge Card, to control the spend on their Employee Cards:
Set Spend Limits
Determine the spending capacity within your approved limit of each Employee Card to suit your business needs2.
Lock Cards:
Feel confident knowing you have full visibility of employee expenses with the option to lock Employee Cards when needed2.
The Primary Card Member will also have full visibility over all expenses on their Employee Card/s in a consolidated, real-time view through their Online Account or Amex App.
5. What do I do if there are issues with the charges and/or fees on my Employee Card?
The Primary Card Member and the Business will be liable for all charges and fees incurred on their Employee Cards. The Primary Card holder must continue to pay for all fees and charges as per the statement by the due date.
If any issues arise, please contact the number on the back of your Card for further assistance.
As the Primary Card Member, you can do this anytime via your Online Account, your monthly statement or by calling the number on the back of your Card.
As the Primary Card Member, you will have all points earned from an Employee Card directly credited to your Account. For American Express rewards Card Members, you must be enrolled in the Membership Rewards1 customer loyalty program.
Once an application is approved, the Employee Card will be delivered via post to the Primary Card Member within 10 business days. It will then need to be activated by the Employee Card Member using the instructions on the back of it.
1. Membership Rewards: Subject to the Terms and Conditions of the Membership Rewards program available at https://www.americanexpress.com/en nz/rewards/membership rewards/terms. Enrolment into Membership Rewards is required (an annual fee may apply). Eligibility to participate in the Membership Rewards program depends on your Card product type, and is subject to the approval of American Express.
2. You may limit the total dollar amount that your Employee Card Member(s) can spend during each billing period on your Card Account. Employee Card Limit Management does not apply to American Credit Card products. Unless otherwise specified in the full Employee Card Limit Management Terms and Conditions , the maximum amount your Employee Card Member(s) can spend within a billing period will be the spending limit you assign to the Employee Card Member(s). When you initially set a spending limit for your Employee Card Member(s) or after you unlock an Employee Card, any transactions made on the Employee Card prior to setting the spending limit or unlocking the Employee Card will not be included in the spending limit you set. Please read the full Employee Card Limit Management Terms and Conditions before using the Employee Card Member Limit Management functionality.
3. 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. Earning of points is subject to the Terms and Conditions of the Membership Rewards program available at https://www.americanexpress.com/en nz/rewards/membership rewards/terms. Enrolment into Membership Rewards is required (an annual fee may apply). Eligibility to participate in the Membership Rewards program depends on your Card product type, and is subject to the approval of American Express. Annual Employee Card fees apply.
- The American Express Business Card: $40 per Additional Employee Card per year.
- The American Express Gold Business Card: $70 per Additional Employee Card per year.
4. For full details of the insurance cover for the American Express Business Card, including terms, conditions and exclusions, please refer to the Insurance Terms and Conditions. Please be sure to read the Insurance Terms and Conditions carefully and be aware of its various terms, conditions and exclusions.
5. For full details of the insurance cover for the American Express Gold Business Card, including terms, conditions and exclusions, please refer to the Insurance Terms and Conditions. Please be sure to read the Insurance Terms and Conditions carefully and be aware of its various terms, conditions and exclusions.