American Express
American Express

American Express® Gold Business Card

Purchase Rate
0% p.a.
Cash Advance Rate
0% p.a.
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Interest Free
Up to 51 days
Annual Fee
  • Receive 100,000 Membership Rewards Bonus Points. Simply spend $1,000 on your new Gold Business Card within 2 months of your approval date. Offer ends 29 June 2022. New American Express Card Members only. Membership Rewards® enrolment required, fees apply.8J
  • No pre-set spending limit - Take advantage of new business opportunities with no pre-set spending limit.3B
  • Earn up to 1.5 points for every $1 spent - Your business can earn Membership Rewards points on every dollar spent with no limit or expiry and use these to pay off purchases.5B
  • Spend with Dell Technologies to receive up to $75 credit twice a year.6B
  • Travel confidently with comprehensive Travel Insurance - Enjoy peace of mind on the road with Travel Insurance that includes up to $2.5 million in medical emergency cover.7B

Key Features
Rewards Program
Joining Fee
Annual Fee
Insurance Cover
for Purchases
Overseas ATM
Automatic Travel

Rewards Program
  • Join the Membership Rewards Ascent program, earning you more points, which you can redeem for a range of exciting rewards.
  • Earn 1.5 Membership Rewards points per $1 spent excluding government spend where you’ll earn 1 point per $1 spent

Fee & Repayments

Annual Fee $169.00
Annual Fee First Year $169.00
Rewards Joining Fee $80.00
Supplementary Card Fee $119.00
Minimum Repayment Greater of 2.50% or $30.00
Interest Charged From PurchaseDate
Late Payment Fee $30.00

Rewards Program

Rewards Points per Dollar 1.5
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* -
Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card*
Lifetime of Points
Rewards Program Partners Hilton Hotels, Helloworld, Webjet, Air New Zealand, Asia Miles, Emirates Skywards, Etihad Guest, Malaysia Airlines, Singapore KrisFlyer, Thai Royal Orchid Plus, Velocity, Virgin Atlantic Flying Club, Ticketmaster, David Jones
Rewards Bonus Points Partners Hilton Hotels, Helloworld, Webjet, Air New Zealand, Asia Miles, Emirates Skywards, Etihad Guest, Malaysia Airlines, Singapore KrisFlyer, Thai Royal Orchid Plus, Velocity, Virgin Atlantic Flying Club, Ticketmaster, David Jones
Domestic Airlines Virgin Airlines, Velocity
International Airlines Air New Zealand, Asia Miles, Emirates Skywards, Etihad Guest, Malaysia Airlines, Singapore KrisFlyer, Thai Royal Orchid Plus, Virgin Atlantic Flying Club
Conditions MEMBERSHIP REWARDS TERMS AND CONDITIONS Terms and Conditions for the Membership Rewards Program for American Express Corporate and Business Cards Effective 15 November 2018, this agreement replaces any previous Membership Rewards Terms and Conditions. If you have not already accepted this agreement, you now accept it by using your Card or your program Account.

Other Charges

Duplicate Statement Fee $0.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $0.00
Overseas ATM Withdrawal Fee $0.00
Over Limit Fee $0.00
Overseas Emergency Card Replacement Fee -
Terms & Conditions
Offer only available to new American Express Card Members who apply by 29 June 2022, are approved and spend $1,000 on their new Card in the first two (2) months from the Card approval date. Card Members who currently hold or who have previously held any other Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. 100,000 Membership Rewards Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. Subject to the Terms and Conditions of the Membership Rewards Program available at The American Express Gold Business Card has a standard annual fee of $169 and a Membership Rewards program fee of $80.

3B. No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit records, and financial resources known to us.

5B. Membership Rewards enrolment required (an annual fee may apply). Subject to the Terms and Conditions of the Membership Rewards program available here. Merchants classified as “government” include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example, a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. There may be tax implications associated with participation in the Membership Rewards program. You are advised to check with your accountant or tax adviser for further information.

6B. American Express Gold Business Card Dell Technologies Credit Benefit Terms This benefit is governed by and subject to these Dell Technologies Benefit Terms ('Benefit Terms'). By enrolling your American Express Gold Business Card account ('Card') into the Dell Technologies benefit, you agree to the Benefit Terms.

A. The Benefit Enrol to the benefit using your eligible Card and spend at Dell Technologies online by visiting or by contacting a dedicated Dell Technologies Advisor on 1800-880-855 to receive your transaction amount back as a credit, up to $75 back per Card Account. Valid up to 2 times each year. Limited to one credit of up to $75 each defined calendar period, per Card Account. The defined calendar periods are between 1 January and 30 June and between 1 July and 31 December. Benefit is limited to a maximum of two credits at a total of $150 each year, per 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. The benefit description and Benefit Terms are displayed to you prior to enrolling into the benefit. After you enrol your Card into the benefit, you can continue to access the benefit description and Benefit Terms by visiting

B. Eligible Cards Only the Primary Card Member can enrol the Card into the benefit. Valid for spend on any Employee Cards under the enrolled Card Account. Not all Cards are eligible for this benefit. If a Card you hold is ineligible, you will not be able to see the benefit, nor will you be able to enrol the Card in the benefit. If you are issued with a replacement Card after enrolling the Card into the benefit and the benefit is still available, the replacement card will be automatically enrolled into the benefit.

C. Credits Valid only on transactions made directly with Dell Technologies in Australia at or phoning a dedicated Dell Advisor on 1800-880-855. Valid on purchases at Australian website only. Not valid on purchases shipped outside of Australia. Credit should be applied to your Card Account within 5 business days after an eligible transaction is charged to your Card, however this can take up to 60 days. Credit may be reversed if the eligible transaction is subsequently returned or cancelled. If your Card is suspended or cancelled the credit will not be applied to your Card Account, even if you have met the benefit spend criteria. Credit is not redeemable for cash or other payment forms. If American Express does not receive information that identifies your transaction as eligible for the benefit, you will not receive the credit. Transactions made using third party payment processors or payment aggregators are excluded.

D. Your Account Payments You must continue to make all payments to your Card Account in full when they are due. If you don’t, your participation in the benefit may be cancelled and may affect your eligibility to participate in future benefits.

E. Fraud / Gaming / Glitches American Express can suspend or cancel the benefit if any fraud or gaming by users, technical failure or any other factors outside our control impairs the integrity or proper functioning of the benefit which may result in any loss or damage to American Express. We will try to give you reasonable notice of any such incident and take reasonable steps to ensure you are not unfairly impacted if the incident is due to something we have done or failed to do. American Express reserves the right, at its sole discretion, to disqualify you from this or future benefits, if you are suspected of fraud, gaming or are in breach of any of these Benefit Terms.

F. Changes American Express reserves the right to vary any eligibility criteria or the Benefit Terms prior to you enrolling your eligible Card in the benefit. G. Privacy & Security We use your personal information such as name, account number and transaction information to manage your participation in the benefit and track your spend. We will only ever use your personal information strictly in accordance with the American Express Online Privacy Statement.

7B. Insurance: The American Express Gold Business 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. You must use your American Express® Gold Business Card to pay for your return trip, commencing and ending in Australia, in order to be eligible for the travel insurance. The insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Card members are not a party to the group policy, but may be able to claim under it as third party beneficiaries. This communication 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. 8J. Minimum redemption amounts apply. You can redeem points for prepaid travel of a nominated value through and helloworld with the point-of-purchase redemption capability. Travel bookings using points may be made for any person, provided all your accounts are kept in good standing and are not overdue. Partner Terms and Conditions apply. Webjet is not available to Card Members enrolled in the Gateway program. Subject to the Membership Rewards Terms and Conditions and the partners' booking terms and conditions.

* 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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