How rewarding is the Gold Rewards Card?
Find out what new American Express Card Members could earn in the first year of membership
What is your average monthly Credit Card spend?
Key Information
| Annual Fee: | $200 p.a. |
| Card Type: | Credit Card |
| Interest Free Period: | Up to 55 days4 |
| Interest Rate: | 22.95% p.a. on purchases5 |
Featured Benefits
Up to $200 Dining Credit
Enjoy 2x $100 Dining Credits each year when you spend at our extensive Dining Collection3 of top NZ restaurants.
Earn Rewards Fast
2 Membership Rewards points per dollar spent on purchases. Use points for gift cards, travel1 or to pay off eligible purchases6.
Travel with confidence
Receive complimentary domestic and overseas Travel Insurance when you use your Gold Rewards Card to pay for your return trip7. Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions and cover limits).
Sleek Metal Card
Choose from the elegant Gold or Rose Gold metal Card.
- Membership Rewards American Express Travel. To earn or redeem Membership Rewards points, Cards must be enrolled in the American Express Membership Rewards programme, and your Card Account must be in good standing. To redeem Membership Rewards points with American Express Travel Online, you need to have available limit on your Card for the full transaction amount of the booking. You will then receive a statement credit within 3 business days for your points redemption. If the credit is not on the same statement as the transaction, it should appear on your next statement. Please pay all amounts due each month. You will earn Membership Rewards points on the full dollar amount charged to your Card. All bookings are subject to the terms and conditions of our Membership Rewards Programme. For full terms and conditions, please visit: https://www.americanexpress.com/en-nz/benefits/rewards/membership-rewards/.
- Bonus & Eligibility. To receive $200 Credit, you must apply online, be approved and spend $1,500 or more on eligible purchases on your new Card in the first 3 months from the Card approval date. Please allow 8–10 weeks for the credit to be credited to your Account after the spend criteria has been met. Card Members who opt in to receiving payment alerts, may receive a payments received email once the $200 Credit has been applied to their Account. The credit is not redeemable for cash or other payment form. The credit will not be applied to your Account if it has been suspended or cancelled. The Statement Credit may be reversed if your qualifying purchase is refunded or cancelled. Card Members who currently hold or who have previously held any Card product issued by American Express International (NZ), Inc. in the preceeding 18 month period are ineligible for this offer. Eligible purchases do not include annual Card fees, cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer and may be removed at any time.
- Annual Dining Credit. Valid when dining in at participating location Dining Collection restaurants only. Some locations are excluded, please refer to the full list of participating restaurant locations before dining (amex.co.nz/golddining). Limited to one $100 credit each defined calendar period, per Gold Rewards Card Account. The defined calendar periods are between 1 January and 30 June, and between 1 July and 31 December. Limited to a maximum of two credits at a total of $200 each year, per Gold Rewards Card Account. Your Card must be charged prior to the end of each defined calendar period to be eligible for the credit in the defined calendar period. Spend on Additional Cards will count towards the offer. Excludes spend on gift vouchers, online orders for pick up or delivery and transactions where you do not spend directly with your Card at a participating location Dining Collection restaurant. Credit should appear on your billing statement within 5 business days from qualifying spend but may take up to 90 days from the end of the defined calendar period. Excludes transactions made through a third-party establishment or payment processor, apart from Windcave. Credit is not redeemable for cash or other payment form. Credit will not be applied to your Gold Rewards Card Account if your Card has been suspended or cancelled. Credit may be reversed if your qualifying purchase is refunded or cancelled. If you hold multiple American Express Cards linked to one Membership Rewards® account, the Credit will be credited to the Primary Card Account only.
- Up to 55 Days Interest Free. You will have up to 55 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued.
- Interest Rates. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as of 1 February 2025 and are subject to change. This interest rate does not apply for Cash Advances and fees relating to Cash Advance.
- Membership Rewards Points for your Charges. Points will be debited from your Membership Rewards account and a credit placed on your Card in line with the points chosen to be used for the Eligible Charge. A minimum of 1,000 Membership Rewards points is required for any Use Points for Your Charges transaction. Any credit to your Card Account cannot exceed the amount of the relevant Eligible Charges. A credit will appear on your statement identified as “Membership Rewards Credit”. Points will be debited immediately and the credit will take up to 72 hours to appear online. Credits processed after the Card Account’s statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card Account by the due date. Use Points for Charges is not available for redemption by Corporate Cards, Allied Liquor and Tasman Liquor American Express Gold Business Cards, and is not redeemable for cash via Credit balance refund. 2. American Express will select and display each eligible charge for Use Points for Your Charges (“Eligible Charge”) and the Points required to pay for the Eligible Charge. Each Eligible Charge must: (a) appear within the first 150 transactions of the Online Statement of the Summary of Accounts page; (b) be redeemed within 2 months of the charge appearing on your Card Account; (c) not currently or have previously been disputed; and (d) not be a fee. 3. Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any time without notice. Use Points for Your Charges transactions can only be completed online. Use Points for Your Charges is available only to Basic Card Members enrolled in the New Zealand Membership Rewards programme and is subject to the full Membership Rewards Terms and Conditions.
- Complimentary Travel Insurance. The American Express Gold Rewards Card insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits) - see the full terms and conditions available here. You must use your American Express Gold Rewards Card to pay for your return trip in order to be eligible for the travel insurance in order to be covered under the insurance. The insurance is underwritten by Chubb Insurance New Zealand Limited (Company No. 104656) under a group policy held by American Express International (NZ), Inc. (Company Number 867929). Card members are not a party to the group policy, but may be able to claim under it as third party beneficiaries. This website does not take into account your objectives or financial situation. You should read the full terms and conditions to decide if this insurance meets your needs.