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American Express Gold Card

 
 
Product Image


Purchase Rate
Cash Advance Rate
51 days
Interest Free
$130
Annual Fee

  • Earn 1 Membership Rewards point for every $1 spent.
  • Because you have to pay your balance in full each month, you don't have to worry about interest rates.
  • When you purchase your trip on your Card, you and your family are covered by Overseas Travel and Accident Insurance.
  • Travel Inconvenience Cover will cover your for flight delays, missed connections or delayed luggage.

Card Details

Rewards Program Y Overseas ATM Availability Y
Insurance Cover for Purchases Y Interest Paid on Credit Balance N
Automatic Travel Insurance Y    


 
  • Each $1 you spend earns 1 Membership Rewards point.
  • Your points are not capped and do not expire as long as your account remains current.
  • Redeem with all the top brands, shop online for all the latest technology, gifts, homeware, wines and sporting equipment with over 1,500 options updated monthly.
  • Ascent enrollees enjoy the additional benefits of transferring points to any of our 8 airline rewards partners and 4 leading frequent guest partner programs.
 
Rewards Points per Dollar 1
Spend to Redeem $100 Gift Card* $13500
Spend at Loyalty Partner for $100 Gift Card*
Linked to Frequent Flyer Y
Frequent Flyer Ratio
SPEND FOR SYD/MEL RETURN*


Lifetime of Points
Rewards Program Partners 8 domestic and international frequent flyer program partners (see below for details - available for Membership Rewards Ascent only). 3 travel agency partners including Travelscene American Express, Harvey World Travel and Flight Centre. Accommodation partners include: Sofitel, Novotel, All Seasons Hotels Best Western, Comfort Hotels, Conrad Jupiters, Conrad Treasury, Crown Promenade, Crown Towers, Four Points by Sheraton, Grand Mecure Hotels and Apartments, Hilton, Ibis Hotels, Mecure Hotels and Resorts, Mirvac Hotels and Resorts, Novotel Hotels and Resorts, Peppers Hotels and Resorts, Radisson Hotels and Resorts, Sheraton, Sofitel Hotels and Resorts, Stamford Hotels and Resorts and Westin. Car rentals with Avis and Hertz. Gift Card partners include: Angus and Coote, Bob Jane T-Marts, Borders, BP, Bunnings, Coles, Country Road, David Jones, Domayne, Harvey Norman, Myer, Officeworks, Rebel Sport, Red Balloon, Sanity, Simon Johnson, Target, Tiffany and Co. and Vintage Cellars, WISH Gift Card. Plus an extensive range of products (approx. 1,400) from brands including Apple, JVC, Lonely Planet, Navman, Nike, Panasonic, Royal Doulton, Samsonite and Sony, to name a few. Experiences rewards from Greater Union, Hoyts, Australian Movie Voucher and Total Experience.
Rewards Bonus Points Partners Earn Bonus Points with the following Bonus Partners: Avis, Bob Jane T-Marts, DFS Galleria and Hotel Club.
Domestic Airlines
International Airlines
Conditions
Annual Fee $130 Minimum Repayment 100%
Annual Fee First Year $130 Interest Charged From StatementDate
Rewards Joining Fee 40 Late Payment Fee $6
Supplementary Card Fee $65    
Duplicate Statement Fee $7 Overseas ATM Balance Fee $1.25
Transaction Verification Fee $0 Overseas ATM Withdrawl Fee $1.25
Over Limit Fee $15 Overseas Emergency Card Replacement Fee $0
 

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* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

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