Let your everyday spend become amazing rewards.
Earn points faster from your everyday spend
Every time you use your Membership Rewards Credit Card to pay for items you regularly buy, you will earn Membership Rewards points. It makes everything more rewarding, from buying the groceries to paying bills.
What is the American Express Membership Rewards Programme?
Our Membership Rewards loyalty programme rewards Card Members for using their American Express® Card. The more you use your Card, the more Membership Rewards points you can earn. You can then redeem points for travel, gift cards, entertainment experiences and much more.
How can you earn points faster?
Keep an eye out for a Rewards Card that earns points faster, such as the American Express Gold Rewards Card which earns you 2 points per dollar spent1 on purchases. It’s just one of the ways you can maximise points and make your Rewards Credit Card work harder for you.
Use your Credit Card to pay for regular items like bills, groceries, petrol, your mobile, dining out or your gym membership.
Add a Supplementary Card Member and all points earned will be credited to your Account.
Where can you use Membership Rewards points?
There are so many ways you can use Membership Rewards points. Redeem points for one-off experiences, travel, gift cards and more of the things you love.
You can also use points to:
Dine with Points
Use points for all Dining Collection Charges. 1,000 Membership Rewards points = $7.50 which is 50% more value.
Redeem points for Gift Cards
Redeem gift cards from a range of travel, entertainment and retail stores such as Westfield, Bunnings, The Warehouse, Farmers, Harvey Norman, Flight Centre and many more.
Use points for Charges
You can redeem points for credit on your Account.
Shop with Points
Plus, when you Pay with Points, 16,000 Membership Rewards points = $100 worth of goods at Harvey Norman.
Redeem points for travel with any one of our travel partners.
You can transfer Membership Rewards points to a wide range of premium Airline and Hotel Reward Partner Programmes, on both The American Express Gold Rewards Card and The American Express Platinum Edge Credit Card.
To find out more ways you can use Membership Rewards points, visit the Membership Rewards Catalogue. Full options available for your Card can only be seen once logged-in with your Account.
Do Membership Rewards points expire?
No, Membership Rewards points will never expire, as long as your Account is current and in good standing. There is no cap on the amount of points you can earn. You can save Membership Rewards points until you are ready to use them.
Cards that make life more rewarding
An easy way to start
earning rewards
Credit Card
Up to 55 interest free days3
Earn 2 Membership Rewards points
per $1 spent on your card1
Transfer points to use on gift cards, travel or to pay off eligible purchases.1
Get up to $200 Dining Credit
Enjoy $100 back twice a year at participating restaurants in the Local Dining Collection. Exclusions, T&Cs apply.2
The fastest way to earn
Airpoints Dollars
Credit Card
Up to 55 interest free days3
Earn 1 Airpoints Dollar per $70 spent4
Earn 1 Status Point
per $250 spent5
Complimentary passes to airport lounges
with Priority PassTM4 and The Centurion® Lounge at Sydney International Airport or Melbourne International Airport6
Complimentary domestic and
international Travel Insurance cover7
Membership that gives you more
As an American Express Card Member you can take advantage of more travel benefits, richer rewards and outstanding service, plus 24/7 Global Support.
Explore our Personal Cards
Airpoints™
Earn Airpoints
Dollars™ fast
Rewards
Earn points from
everyday spending
No Annual Fee
Card Member benefits
with no annual fee
- Membership Rewards Points Transfer. Subject to the Terms and Conditions of the Membership Rewards Programme available at www.membershiprewards.co.nz/termsandconditions. To transfer Membership Rewards points into an airline partner programme or a frequent guest partner programme, you must be a member of the partner programme. Membership of the partner programme is the Card Member's responsibility and is subject to the terms and conditions of the applicable programme. A joining fee may apply. Minimum redemption amounts apply. Partners are subject to change. Visit membershiprewards.co.nz for details.
- Gold Rewards Card Annual Dining Credit. Valid at participating Dining Collection restaurants only. Limited to one $100 credit each defined calendar period, per Gold Rewards Card Account. The defined calendar periods are between 1 January and 30 June, and between 1 July and 31 December. Limited to a maximum of two credits at a total of $200 each year, per Gold Rewards Card Account. Your Card must be charged prior to the end of each defined calendar period to be eligible for the credit in the defined calendar period. Spend on Additional Cards will count towards the offer. Excludes transactions where you do not spend directly with your Card at a participating Dining Collection restaurant. Credit should appear on your billing statement within 5 business days from qualifying spend but may take up to 90 days from the end of the defined calendar period. Excludes transactions made through a third-party establishment or payment processor. Credit is not redeemable for cash or other payment form. Credit will not be applied to your Gold Rewards Card Account if your Card has been suspended or cancelled. Credit may be reversed if your qualifying purchase is refunded or cancelled. If you hold multiple American Express Cards linked to one Membership Rewards® account, the Credit will be credited to the Primary Card Account only.
- 55 Days Interest Free Days. 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.
- Airpoints Terms & Conditions. Subject to the American Express Airpoints Platinum Card Benefits Terms and Conditions available here. Status Points and Airpoints Dollars are not earned on purchases of American Express Travellers Cheques, Gift Cards or for purchases of Foreign Exchange, cash advances, balance transfers, interest, annual Card fees or other fees and charges billed to the account. Air New Zealand Airpoints Programme terms and conditions also apply. Airpoints Dollars and Status Points earning rates are subject to change with reasonable notice.
- Status Points. You can earn up to half the Status Points you need to reach or maintain your Silver or Gold Airpoints tier status by making purchases on your Credit Card. You need to earn at least 900 Status Points on Air New Zealand operated flights to change from Gold to Gold Elite, and 810 Status Points on Air New Zealand operated flights to maintain Gold Elite, and the balance can be earned by making purchases on your Credit Card. Visit airnewzealand.co.nz/airpoints for details of the number of Status Points required. For full list of exclusions, please refer to the American Express Airpoints Platinum Card Benefits Terms and Conditions available here.
- The Centurion® Lounge. Entry into The Centurion® Lounge is governed by the full Terms and Conditions available at amex.com.au/airportlounge. All entrants must adhere to the General Conditions of Entry. The American Express Airpoints Platinum Card Members are entitled to a total of two (2) entries into The Centurion® Lounges in Australia per calendar year (1 January to 31 December). Complimentary access is available for the Card Member’s children 17 years and younger. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member's American Express Card.
- American Express Travel Insurances. American Express Airpoints Platinum Card Insurances are underwritten by Chubb Insurance New Zealand Limited (Company No. 104656) (Chubb) and are subject to the terms, conditions and exclusions contained in the American Express Airpoints Platinum Card Insurances policy of insurance between American Express International (NZ) Inc. (Company No. 867929) (American Express) and Chubb. This product page does not take into account your objectives, financial situation or needs. It is important for you to read the terms and conditions and consider the appropriateness of that insurance in relation to your individual requirements.