American Express® Gold and Platinum Credit Cards
American Express provides members of Auckland District Law Society and the New Zealand Law Society with exclusive credit cards that go beyond the usual range of benefits.
These cards come with reduced fees, low interest rates on balance transfers and other money saving advantages.
- Choice of a Gold or Platinum Credit Card
- With access to the American Express Membership Rewards® programme2 you can earn Membership Rewards® points towards a fantastic range of rewards
- Low interest rates for balance transfer
- No annual card fee for additional and Supplementary Cards
Whatever your aspirations, Membership Rewards® is the best way to reach them
Flights, luxury accommodation, leading brand electronics, quality homewares - whatever you're aiming for - nothing rewards you like Membership Rewards. Cannex, an independent research company, recently compared every major credit and charge card rewards programme in the country, and the American Express Membership Rewards Programme came out best overall1.
Unlike most other rewards programmes, Membership Rewards points don’t expire, provided your account is in good standing.
Gold Credit Card Members
- Enrol in Membership Reqards for an annual fee of $50 and you will earn 1 Membership Rewards point or ever $1 you spend on your card.
- With Turbo4 you will earn 2 Membership Rewards points for every $1 you spend on your card for an annual fee of $99 (in addition to the Membership Rewards fee).
- Earn bonus points when you shop with American Express Bonus Partners.
- www.americanexpress.co.nz/bonuspartners
Platinum Membership Rewards Credit Card Members
- Automatic and complimentary enrolment in the Membership Rewards Programme. Earn 2 Membership Rewards points for every $1 you spend you spend on your card.
- Earn 10 Membership Rewards points for every $1 you spend on your card when you shop at Platinum Supercharger Partners.
- Earn Bonus Rewards points when you shop with American Express Bonus Partners.
- www.americanexpress.co.nz/bonuspartners
- Get 200 bonus points for every month you carry forward a debit balance of $2,000 or more.5
Features and benefits at a glance
Your everyday spending can be very rewarding.
American Express is now accepted at more places than ever before, both locally and around the world. That means it’s easier for you to use your Card for everyday purchases, from groceries and petrol to paying your monthly bills. And each time you use your Card, you’re earning points with Membership Rewards - New Zealand’s best rewards programme.
Which Card is right for you?
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American Express ADLS Gold Credit Card & American Express NZLS Gold Credit Card |
American Express ADLS Platinum Membership Rewards Credit Card |
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Card fee |
No annual Card fee for the first year, then $70 per year. If you spend $7000 or more per annum on your Card, the fee is waived3 |
$325 a year |
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Rewards programme |
Annual Memberhsip Rewards fee of $502. Annual Turbo4 fee of $99 (in addition to the Mebmership Rewards fee) |
Automatic and complimentary enrolment in Membership Rewards2 with exclusive benefits for Platinum Cardmembers. |
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Interest rate |
20.95% p.a.6 |
17.95% p.a.6 |
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Balance transfer interest rate
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9.49% p.a. until paid in full7 |
7.99% p.a. until paid in full7 |
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Interest free period
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Up to 55 days8 |
Up to 55 days8 |
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Cash advance - PIN required
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Fast access to cash from over 520,000 ATMs worldwide |
Fast access to cash from over 520,000 ATMs worldwide |
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Supplementary card fee
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No annual card fee for supplementary Cards |
No annual card fee for supplementary Cards |
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Accounting
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24 hour online account management |
24 hour online account management |
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Fraud protection
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100% online fraud guarantee |
100% online fraud guarantee |
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Minimum income required
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Minimum income $35,000 |
Minimum income $60,000 |
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Other features
|
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Worldwide Travel Insurance for up to 180 days per trip with a maximum of 183 days total per year Platinum Privileges - special offers for a luxury lifestyle Get an Additional Card for no charge to separate business and personal expenses |
Questions you might want to ask
What is Membership Rewards?
With access to the Membership Rewards Programme every $1 you spend on your card earns you 1 Membership Rewards point towards a fantastic range of rewards.
What is Turbo?
Enrol in Turbo to earn 2 points for every $1 you spend. Whether it's flight, luxury accommodation, electronics, vouchers, wine, quality homewares or whatever you may have your heart set on Turbo will get you there twice as fast.
To view the full range of rewards and benefits of the Programme visit www.americanexpress.co.nz/rewards
What is Membership Rewards direct ticket?
Membership Rewards direct ticket is your travel service with Membership Rewards points. You can book travel to virtually anywhere in the world without needing to be a member of a frequent flyer programme, and pay using Membership Rewards points or a combination of points plus payment on your card.
Booking is as easy as calling 0800 44 22 08 or visiting your local Holiday Shoppe.
For more information visit www.americanexpress.co.nz/directticket.
How can I redeem Membership Rewards points?
Redeeming Membership Rewards points is easy. Redeem for merchandise rewards and shopping vouchers by logging on to www.americanexpress.co.nz/rewards or calling 0800 44 22 08. To book travel using points, call the Membership Rewards direct ticket team on 0800 44 22 08 or visit your local Holiday Shoppe.
How does the Balance Transfer Interest Rate work?
You’ll pay a low interest rate until paid in full on the transferred balance. This is likely to be much lower than the interest rate on your other credit card. Your monthly payment will first repay the balance you have transferred before reducing other outstanding amounts, such as new purchases.
What is a Supplementary Card?
Supplementary cards allow you to extend the benefits of your credit card to people close to you, such as your partner, children or parents. A supplementary card carries the individual’s name, but charges will be billed to our card account under that name. Membership Rewards points earned with a supplementary card will be credited to you.
What is an Additional Card?
An additional card can help make managing your expenses a breeze. For example, use your main card for personal purchasing and your additional card for household expenditure. At the end of the month, your expenditure is separated for quick reconciliation.
What are my Payment options?
You can pay your American Express ADLS/NZLS credit card account by direct debit, which will automatically debit your nominated back account.
Other options include telephone or internet banking, or payment by cheque or cash through any New Zealand Post Shop.
Points to Note
1. Cannex November 2007. To view the full report, visit www.americanexpress.co.nz/cannex
2. Enrolment and participation in the American Express Membership Rewards Programme is subject to the Membership Rewards Terms and Conditions and partner terms and conditions. Ann annual $50 Membership Rewards fee applies. Only purchasers are eligible for Membership Rewards points - balance transfers and cash advances are ineligible. Membership Rewards points do not expire while youir account is in good standing. A fee may be applicable for participation in partner airline programmes. A transfer fee of $35 per transfer of points to one of our airline partner programmes will apply. Platinum Cardmembers receive automatic and compliments enrolment in Membership Rewards and you will earn 2 Membership Rewards points for every $1 you spend on your card.
3. American Express credit approval criteria applies, subject to terms and conditions.
4. An annual $99 Turbo fee applies and is in addition to the standard annual Mebmership Rewards, transfer and card fees. You will earn 2 Membership Rewards points for every $1 you spend on your card.
5. Bonus points for balances carried forward apply to debit balances only. Points will be credited monthly within six weeks of the Minimum Payment Due Date and will only be credited if you account is in good standing (i.e. not overdue or in collection).
6. All interest rates are quoted as an annual percentage rate and are correct as at 01/04/2008. Rates are subject to change.
7. All payments to your Credit Card Account are applied first to transferred balances, including transferred balances benefiting from promotional interest rates. Minimum payment requirements of the Card Account apply to balance transfers. There are no interest free days on balance transfers.
8. The Credit Card gives you up to 55 days interest free on purchases, depending on when your statement is issued, whether you have made a balance transfer and whether you are carrying forward a balance on your account from a previous statement period. There are no interest free days for cash advances and balance transfers.