# Source: https://www.americanexpress.com/en-au/referral/platinum?ref=aNTHODwrep&XLINK=MYCP

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## The American Express® Platinum Card

## Terms and Conditions

American Express income and credit approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information, including fees and charges are correct as at 26 August 2026 and are subject to change. Applicants must be 18 years of age or over to apply for the American Express Platinum Card. They must be an Australian Citizen or permanent resident or hold a long term visa. Long term means 12 months or more and does not include a student visa.

1. **Bonus & Eligibility:** To receive up to 325,000 Bonus Membership Rewards® Points you must apply online using the referral link for the American Express Platinum® Card, be approved and meet the following criteria – You’ll receive 225,000 Bonus Membership Rewards® Points when you spend $5,000 or more on eligible purchases on your new Card in the first 3 months from the Card approval date. To receive an additional 100,000 Bonus Membership Rewards® Points, you will need to remain on the American Express Platinum® Card after the first year and spend $5,000 on the Card within the first 3 months of your second year of Card membership. Eligible purchases do not include Card fees and charges, for example annual fees, late payment fees, traveller’s cheques and foreign currency conversion. Please allow 8-10 weeks after the spend criteria has been met in both your first and second years of Card Membership for the bonus points to be credited to your Account. You will still be eligible for the additional 100,000 bonus Membership Rewards points even if you did not meet the $5,000 minimum spend criteria to receive the 225,000 bonus points in the first year of Membership. This offer is only available to new American Express Card Members. Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the past 18 months are ineligible for this offer. The American Express Platinum Card has an Annual Card Fee of $1,450\. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. This is a personalised offer which may be withdrawn or changed at any time. Card applications should be considered carefully. Please do not rush your decision.
  
2. **Cash Flow Days.**  
Cash flow days depend on your method of payment, when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your Account from your previous statement period. If you pay by direct debit, your payment will be processed 10 days after your statement has been issued.
  
3. **Flexible Spending Power.**  
Unless we tell you otherwise, your American Express Charge Card comes with flexible spending power, also known as no pre-set spending limit. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your personal credit rating and other factors. The way you use your Card can help your spending power grow, particularly in the first few months. To help maximise your spending power, you can make regular transactions and don’t miss any payments.
  
4. **Membership Rewards Program.**  
Subject to the Terms and Conditions of the Membership Rewards program available [here](https://www.americanexpress.com/en-au/rewards/membership-rewards/terms). You will earn 1 point per dollar spent with Merchants classified as 'government', including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies, including where you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant.
  
5. **Travel Credit.**  
If your Card has a Travel Credit benefit, the Primary Card Member is eligible for an annual Travel Credit, subject to the full Travel Credit Terms and Conditions at [amex.com.au/platinumtravelcreditterms](https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/TravelCreditTerms.pdf) The Travel Credit can be redeemed through [American Express Travel Online](https://travel.americanexpress.com.au/apps/shopping/#/search/air) on a single eligible travel booking by selecting the Travel Credit when you checkout. To redeem the Travel Credit, the full value of the Travel Credit (or more) must be charged to the eligible Primary Card. Eligible travel includes flights, hotels and car hire when you prepay in advance. The Travel Credit can be used for 365 days from the benefit anniversary date and cannot be used past the expiration date. To check the expiration date of your Travel Credit if you have not already redeemed it, please visit [americanexpress.com.au/travel;](https://www.americanexpress.com/en-au/travel/) log in and click ‘Travel Credit’. If your booking is cancelled, and your Travel Credit has already been used and associated statement credit applied to your account, you will forfeit your annual Travel Credit benefit and American Express may reverse the statement credits issued. You need to be able to spend on the Card to access the Travel Credit benefit and it should be credited to your Card Account within 3 business days but may take up to 30 days. Your account must be in good standing and you must have paid the annual fee and minimum payment by the due date. If you cancel your Card, change your rewards program or Card type, you will no longer be eligible for the Travel Credit.
  
6. **Global Dining Credit.**  
   * **Maximum amount back is $200 on spend at participating local restaurants (Local Dining Credit) and AUD$200 on spend at participating abroad restaurants (Abroad Dining Credit) per redemption period:** Each redemption period resets on 1 January until the offer end date of 31 December 2026\. The redemption periods are: 1 January – 31 December 2025 and 1 January – 31 December 2026\. Spend can be in one or more transactions. You cannot carry any unused offer value from one redemption period into the next.  
   * **Primary Card Member Only:** The Benefit is only available to Primary American Express Australia Platinum Card Members using their Platinum Personal Charge Card. Transactions made with an Additional Card is not eligible for this Benefit.  
   * **Save this Benefit First:** A one-time enrolment is required. You must first save the Benefit to your Platinum Card before making your payment to qualify for the Benefit. Benefit limited to the Card to which the offer is saved and only spend on this Card counts towards the Benefit. If you use another Card to make a payment at any time, you will not be eligible for the Benefit on that Card. If you switch to a new Card product that is not eligible for this Benefit, enrolment will be removed from your Card Account. If a Card you hold is ineligible, you will not be able to see the Benefit, nor will you be able to save the Benefit to the Card. If you are no longer eligible for this Benefit due to a change in Account status, including but not limited to fraudulent flags, suspension or cancellation, it will be removed from your Account.  
   * **Eligible Transactions:** Benefit only available for dine-in services made in-person at a participating restaurant in Australia. Full participating restaurant list can be found [here](https://www.americanexpress.com/en-au/benefits/diningbenefit/). Participating restaurant list subject to change without notice, please check before you dine as you won’t be eligible to receive a credit if the restaurant isn’t on the list at the time of your transaction.  
   * **Excluded Transactions:** Benefit excludes purchases of gift cards and vouchers, transactions made towards deposits charged upfront by the venue, booking, cancellation, and no-show charges, takeaway or dine-at-home services.  
   * **Direct Payments Only:** If you pay using payment processors such as QR payment or restaurant in-app purchases, you may not be eligible for the Benefit. Please request to pay at the restaurant’s designated checkout register.  
   * **Award of Credits:** Credit(s) should appear on your billing statement within 30 days from the date of payment but may take longer. Credit(s) are not redeemable for cash or any other payment form. Credit may be reversed if your qualifying purchase is refunded or cancelled.  
   * **Expiry or Withdrawal of Benefit:** The Benefit will expire on 31 December 2026\. American Express can withdraw the Benefit at any time by giving you 60 days’ notice.  
   * **Your use of participating restaurants:** Your purchase of goods and/or services from the participating brands is governed by their respective terms and conditions (including privacy policies). American Express is not responsible in any way for the goods and/or services of the participating brands. Inquiries or complaints related to the participating brands' goods and/or services should be directed to their customer service.  
   * **Our General Offer Terms:** Our [General Offer Terms](https://www.americanexpress.com/au/network/amex-offers-terms.html) also apply to the Benefit and contain important additional terms.
  
7. **Global Lounge Collection**  
This benefit is available to American Express® Platinum Personal, Platinum Business and Corporate Platinum Charge Card Members (“Platinum Card Members”). Eligibility and complimentary access vary by lounge and are governed by the individual lounge terms outlined below. Some airport lounge providers may require presentation of your physical Platinum Card for entry. We highly recommend travelling with your physical Card as some lounges may not accept digital Cards. American Express reserves the right to revise these rules from time to time, and may do so without prior notice, but will provide advance notice of material changes where reasonably practical. If American Express®, in its sole discretion, determines that the Card Member and their guests have engaged in abuse, misuse, or gaming in connection with access to the Global Lounge Collection lounges in any way, we may cancel your American Express Account.  
    
   * **The Centurion® Lounge**  
   Primary and Additional Platinum Card Members have complimentary access to participating locations of The Centurion Lounge. Platinum Personal Card Members may bring one (1) complimentary guest into The Centurion Lounge locations in the U.S. and select international locations as set forth on the Centurion Lounge website at [thecenturionlounge.com](https://www.thecenturionlounge.com/) (the “Centurion Lounge Website”). Additional Gold Cards and Additional Green Cards on your Platinum Account are not eligible for complimentary access. Guest access policies (including, but not limited to, guest fees and number of complimentary guests per visit) applicable to international locations of The Centurion Lounge may vary by location and are subject to change. Visit the Centurion Lounge Website to learn more about lounge locations and guest access policies applicable to international Centurion Lounge locations. For more information specific to Australian Lounge access, visit [americanexpress.com.au/airportlounge](https://www.americanexpress.com/en-au/credit-cards/membership-benefits/travel/airport-lounges/the-centurion-lounge/index.html). All guests must be travelling on the same flight as the Card Member. If you have paid for additional guests and choose to visit multiple locations of The Centurion Lounge on the same day, guest fees will apply at each location. All access to The Centurion Lounge is subject to space availability. To access The Centurion Lounge, Platinum Card Members must arrive within 3 hours of their departing flight. During a layover, Card Members must arrive within 5 hours of their connecting flight. Same day round-trip itineraries are not considered connecting flights. Card Members will not be granted access to the lounge with a boarding pass for a flight that has landed at the final destination. Upon arrival at The Centurion Lounge, Platinum Card Members must present The Centurion Lounge agent with the following upon each visit: their valid Platinum Card, a boarding pass showing a confirmed reservation for a departing flight on the same day on any carrier and a government-issued I.D. Name on boarding pass must match name on the Card. Failure to present this documentation may result in access being denied. Refer to the specific location’s access policy for more information. Card Members must be at least 18 years of age to enter without a parent or legal guardian. All Centurion Lounge visitors must be of legal drinking age in the jurisdiction where the Lounge is located to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behaviour or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Soliciting other Card Members for access into our lounge is not permissible. Hours may vary by location and are subject to change. Amenities vary among The Centurion Lounge locations and are subject to change. Card Members will not be compensated for changes in locations, rates or policies. In addition to the complimentary services and amenities in the Lounge, certain services, products or amenities may be offered for sale. You are responsible for any purchases and/or servicing charges you make in The Centurion Lounge or authorise our Member Services Professionals to make on your behalf. Services available at the Member Services Desk are based on the type of American Express Card used to enter the Lounge. American Express will not be liable for any articles lost or stolen or damages suffered by visitors to The Centurion Lounge. If American Express®, in its sole discretion, determine that you have engaged in abuse, misuse, or gaming in connection with lounge access in any way, we may remove access to The Centurion Lounge from your Platinum Account. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise these rules from time to time, and may do so without prior notice, but will provide advance notice of material changes where reasonably practical.​  
    
   * **Sidecar by The Centurion® Lounge**  
   Primary and Additional Platinum Card Members have complimentary access to Sidecar by The Centurion® Lounge. Please visit [thecenturionlounge.com](https://www.thecenturionlounge.com/) for more information on Sidecar by The Centurion Lounge availability. Platinum Personal Card Members may bring one (1) complimentary guest into The Sidecar by The Centurion Lounge locations. Additional Gold Cards and Additional Green Cards on your Platinum Account are not eligible for complimentary access. All guests must be travelling on the same flight as the Card Member. All access to Sidecar by The Centurion Lounge is subject to space availability. To access Sidecar by The Centurion Lounge, Platinum Card Members must arrive within 90 minutes of their departing flight (including a connecting flight during a layover) and present the Sidecar by The Centurion Lounge agent with the following upon each visit: their valid Platinum Card, a boarding pass showing a confirmed reservation for a departing flight on the same day on any carrier and a government-issued I.D. Name on boarding pass must match name on the Card. Failure to present this documentation may result in access being denied. Card Members must be at least 18 years of age to enter without a parent or legal guardian. All Sidecar by The Centurion Lounge visitors must be of legal drinking age in the jurisdiction where Sidecar by The Centurion Lounge is located to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from Sidecar by The Centurion Lounge for inappropriate behaviour or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Soliciting other Card Members for access into Sidecar by The Centurion Lounge is not permissible. Hours may vary by location and are subject to change. Amenities vary among Sidecar by The Centurion Lounge locations and are subject to change. Card Members will not be compensated for changes in locations, rates or policies. In addition to the complimentary services and amenities in Sidecar by The Centurion Lounge, certain services, products or amenities may be offered for sale and you are responsible for any purchases of such services, products or amenities. Services available at the Member Services Desk are based on the type of American Express Card used to enter Sidecar by The Centurion Lounge. American Express will not be liable for any articles lost or stolen or damages suffered by visitors to Sidecar by The Centurion Lounge. If American Express®, in its sole discretion, determine that you have engaged in abuse, misuse, or gaming in connection with Sidecar by The Centurion Lounge access in any way, we may remove access to Sidecar by The Centurion Lounge from your Platinum Account. Use of Sidecar by The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise these rules from time to time, and may do so without prior notice, but will provide advance notice of material changes where reasonably practical.  
    
   * **Escape Lounges**  
   This benefit is available to Primary, Additional and Employee Platinum Card Members. Card Members receive complimentary access to all Escape Lounge locations throughout North America, Central America, the Caribbean and South America, including Escape Lounges - The Centurion® Studio Partner locations. Additional Gold Cards and Additional Green Cards on your Platinum Account are not eligible for complimentary access. Card Members may bring up to two (2) complimentary guests per visit. To access an Escape Lounge, Card Members must present their valid Platinum Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. Name on boarding pass must match name on the Card and the eligible flight must be booked on your American Express Platinum Card. For access at select locations, Card Members must arrive within 3 hours of their departing flight. Refer to the specific location’s access policy for more information. During a layover Card Members may use the Escape Lounge in the connecting airport at any time. For more information on access policies and lounge terms and conditions, see [escapelounges.com](https://www.escapelounges.com/). All access to an Escape Lounge is subject to space availability. Card Members must be at least 18 years of age to enter without a parent or legal guardian. All Escape Lounge visitors must be of legal drinking age in the jurisdiction where the Lounge is located to consume alcoholic beverages. Please drink responsibly. Card Members must adhere to all house rules of participating lounges. Card Members and their guests will receive all the complimentary benefits and amenities afforded to the Escape Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. American Express reserves the right to revise these rules from time to time, and may do so without prior notice, but will provide advance notice of material changes where reasonably practical. Additional restrictions may apply.  
    
   * **Delta**  
   Delta Sky Club access is operated by Delta Air Lines and is subject to Delta’s access rules, conditions and availability. For the most current Delta Sky Club access and pricing policy, please visit [delta.com/skyclub](https://www.delta.com/us/en/delta-sky-club/overview). Benefit and rules subject to change. Additional restrictions may apply.  
         
   This benefit is available to Primary, Additional and Employee Platinum Card Members. Platinum Card Members and any guests traveling with Delta Main Basic (Basic Economy) fare tickets do not have access to this benefit. Additional Gold Cards and Additional Green Cards on your Platinum Account are not eligible for complimentary access. Platinum Card Members must present their valid American Express Platinum Card, government-issued I.D., and boarding pass for entry. Boarding pass must show a reservation for a same-day Delta-operated flight (Delta or Delta connection) or Delta-marketed flight operated by WestJet (ticket number starting with 006) departing from or arriving at the airport in which the Delta Sky Club is located. Name on boarding pass must match name on the Card. Eligible Platinum Card Members on departing flights can only access the Delta Sky Club within three hours of their flight's scheduled departure time or any time during a layover. Delta reserves the right to limit access for non-revenue flyers at any Delta Sky Club. Access to Delta Sky Club partner lounges is not permitted. Individuals must be at least 18 years of age to access Delta Sky Club, and 21 years of age to access locations with a self-service bar, unless accompanied by a responsible, supervising adult who has access to the lounge. Eligible Card Members must adhere to all Delta Sky Club House Rules while accessing participating airport clubs. Participating airport clubs and locations subject to change. Eligible Platinum Card Members may bring guests into the Delta Sky Club subject to the most current Delta Sky Club access and pricing policies, and must use their valid Platinum Card as the payment method for guest access. Guests must also be flying on a same-day Delta-operated flight or Delta-marketed flight operated by WestJet (ticket number starting with 006). Children under 2 years of age may accompany the Eligible Platinum Card Member for free. Guest access and fees subject to terms and conditions of participating airport clubs.  
    
   * **Plaza Premium Lounges**  
   Plaza Premium Lounge access is operated by Plaza Premium and is subject to Plaza Premium’s access rules. Plaza Premium Lounge locations, benefits and rules are subject to change. Primary, Additional and Employee Platinum Card Members have complimentary access to participating global locations of Plaza Premium Lounges. Platinum Personal and Platinum Business Card Members may bring one (1) complimentary guest into Plaza Premium Lounges. Corporate Platinum Card Members may bring up to two (2) complimentary guests into Plaza Premium Lounges. Additional Gold Cards and Additional Green Cards on your Platinum Account are not eligible for complimentary access. Card Member must present their valid Platinum Card, a confirmed boarding pass for same-day travel on any carrier and government-issued I.D. Minimum age requirements may vary by location, and in some lounges, Card Members must be 21 years of age to enter without a parent or guardian. If you have paid for additional guests and choose to visit multiple Plaza Premium lounges on the same day, guest fees will apply at each location. Card Members must adhere to all house rules of participating lounges. Card Members and their guests will receive all of the complimentary benefits and amenities afforded to the Plaza Premium Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges.  
    
   * **Virgin Australia**  
   Virgin Australia Lounge access is operated by Virgin Australia and is subject to Virgin Australia’s access rules.  
         
   Access is to Virgin Australia-branded lounges at their city of departure in Australia only. Access is complimentary for Primary Card Members holding a Platinum Personal, Business or Corporate Charge Card issued in Australia only and one (1) complimentary guest per visit. The Primary Platinum Card Member and guest must be travelling with Virgin Australia domestically on the same Virgin Australia flight. The Platinum Card Member must present their valid physical Platinum Card and same-day boarding pass to Virgin Australia lounge agents and the name on the boarding pass must match the name on the Platinum Card. The guest must also present their boarding pass. All access is subject to space availability. This benefit is subject to change.  
    
   * **Priority Pass™**  
   Priority Pass is an independent airport lounge access program. This benefit is available to Primary Platinum Personal, Platinum Business and Primary Corporate Platinum Card Members only. Primary Platinum Personal, Primary Platinum Business and Primary Corporate Platinum Card Members may bring one (1) complimentary guest into Priority Pass Lounges that admit guests. You will be charged the prevailing retail rate for any additional guests. If you have paid for additional guests and choose to visit multiple Priority Pass lounges on the same day, guest fees will apply at each location. Some lounges do not admit guests. You acknowledge and agree that American Express will verify your Card Account number and provide updated Card Account information to Priority Pass. Priority Pass will use this information to fulfill on the Priority Pass program and may use this information for marketing related to the program. Once enrolled, Platinum Card Members whose Card Account is not cancelled may access participating Priority Pass lounges by presenting their physical or digital Priority Pass card and airline boarding pass. If the Card Account is cancelled, you will not be eligible for Priority Pass and your enrolment will be cancelled. Minimum age requirements may vary by location, and in some lounges, Priority Pass members must be 21 years of age to enter without a parent or guardian. Priority Pass members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package, and can be viewed at [prioritypass.com](https://www.prioritypass.com/en-GB). Upon receipt of your enrolment information, Priority Pass will send your Priority Pass card and membership package which you should receive within 10-14 business days. If you have not received the Priority Pass card after 14 days, please contact American Express using the number on the back of your American Express® Card. To access lounges before your physical Priority Pass card arrives, call the number on the back of your Platinum Card to obtain your Priority Pass membership details. You can then activate your membership online and receive a digital membership card. For a step-by-step guide on the activation process, visit [prioritypass.com/activation](https://www.prioritypass.com/en-GB/activation). If American Express®, in its sole discretion, determines that the Card Member and their guests have engaged in abuse, misuse, or gaming in connection with access to the Priority Pass Lounge in any way, we may cancel your Priority Pass membership. This benefit is subject to change.  
    
   * **Additional Global Lounge Collection Partner Lounges**  
   American Express offers access to additional lounges in the Global Lounge Collection where Platinum Card Members have complimentary access to participating locations. Card Members must present their valid Platinum Card, a government-issued I.D., and a boarding pass showing a confirmed reservation for same-day travel on any carrier. Guest access and associated fees are subject to the terms and conditions of the participating lounge provider. Participation, locations, rates, and policies of lounges are subject to change, and Card Members and their guests will not be compensated for such changes. Amenities, services, and hours may vary by participating lounge and are subject to change. American Express and the participating lounge will not be liable for any articles lost or stolen, or damages suffered by the Card Member or guests inside the participating lounge. For participating lounges with a self-service bar, the Card Member may be required to be of legal drinking age in the participating lounge jurisdiction to enter without a parent or legal guardian. All Card Members and their guests must be of legal drinking age in the jurisdiction where the lounge is located to consume alcoholic beverages. Please drink responsibly. Each participating lounge may have their own policy allowing for children under a certain age to enter for free with the Card Member who is a parent or legal guardian. Card Members must adhere to all house rules of participating lounges. If American Express, in its sole discretion, determines that the Card Member or their guests have engaged in abuse, misuse, or gaming in connection with access to participating lounges in any way, we may remove access to the Additional Lounges from your Platinum Account. American Express and the participating lounge reserve the right to revise the rules at any time. For the most current list of participating lounges and access requirements, please use the Lounge Finder feature [amex.com.au/platinumlounges](https://www.americanexpress.com/en-au/travel/lounges/the-platinum-card/).
  
8. **Partner Programs.**  
Subject to the Terms and Conditions of the Membership Rewards program available [here](https://www.americanexpress.com/en-au/rewards/membership-rewards/terms). To transfer Membership Rewards points into an airline rewards or frequent guest partner program you must be a member of the partner program. Membership of the partner program is the Card Member's responsibility and is subject to the Terms and Conditions of the applicable program. A joining fee may apply.
  
9. **Hilton Honors Gold Status.**  
As a Platinum Card Member you are eligible to enrol in complimentary Hilton Honors Gold status. Please note that a Hilton Honors Membership Number is required before you are able to enrol in this benefit. For Card Members who are new to Hilton Honors, please sign up [here](https://www.hilton.com/en/hilton-honors/join/?OCODE=AXPNW). Your full name and email address must match on both your American Express account and Hilton Honors account to successfully complete your registration. Offer available only to Platinum Card Members and is not transferable. Full details of Gold status can be found at [HiltonHonors.com/MemberBenefits](http://hiltonhonors3.hilton.com/en/explore/benefits/index.html) and are subject to change by Hilton. Gold status benefits are subject to availability at participating hotels and resorts within the Hilton Portfolio. Once you request enrolment in Hilton Honors Gold status, American Express will share your enrolment information with Hilton. Hilton may use this information in accordance with its privacy policy available at [Hilton.com/PrivacyPolicy](https://www.hilton.com/en/p/global-privacy-statement/). If you already have Hilton Honors Gold Status, you can maintain the benefit in the future because you don’t need to meet any stay requirements. You maintain Gold status without meeting otherwise required criteria only while an eligible cardholder or until American Express notifies you that the benefit is terminated. Hilton Honors membership, earning and redemption of Points are subject to [Hilton Honors Terms & Conditions](http://hiltonhonors3.hilton.com/en/terms/index.html). All Hampton by Hilton™ hotels in the Republic of China are excluded from the Hilton Honors program. Visit [HiltonHonors.com/Terms](http://hiltonhonors3.hilton.com/en/terms/index.html) for more details.
  
10. **Mariott Bonvoy Gold status.**  
As a Platinum Card Member you are eligible to enrol in complimentary Marriott BonvoyTM Gold Elite Status. Once you request enrolment within the Marriott Bonvoy Program at the Gold Elite Status level, American Express will share your enrolment information with The Marriott BonvoyTM Program. Marriott Bonvoy may use this information in accordance with its privacy statement available at [marriott.com/privacy](https://www.marriott.com/privacy). You will maintain Gold Elite Status without meeting otherwise required Marriott Bonvoy criteria as long as you remain an eligible American Express Card Member or until American Express notifies you that the benefit is terminated. Marriott Bonvoy member benefits are subject to change, availability and certain eligibility requirements. Reservations booked through third parties and online booking sources are not eligible. For complete Marriott Bonvoy Program terms visit [marriott.com/signInOverlay.mi](https://www.marriott.com/sign-in.mi). Marriott Bonvoy program amenities may not be combined with the Fine Hotels + Resorts program. Upgrades are based upon availability and will vary by property.
  
11. **Cover Charges with Points.**  
For each successful transaction with Cover Charges with Points, 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 to cover any eligible transaction with points. 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 3 business days 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. Any charges covered by points is not redeemable for cash via Credit balance refund. American Express will select and display each eligible charge that can be covered with points (“Eligible Charge”) and the points rate required to cover the Eligible Charge. Each Eligible Charge must: (a) appear within 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. Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any time without notice. Eligible transactions can be covered by points via your online account or American Express mobile app. Covering charges with points is available only to Basic Cardmembers enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing. For more information on Cover Charges with Points click [here](https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/cover-charges-with-points/).
  
12. **Gift Cards.**  
Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details.
  
13. **Amex Offers.**  
The following are not Eligible Cards: Business Cards that are affiliated with a wholesale partner, American Express Business Travel Accounts, Government Cards, Corporate Purchasing Cards, Corporate Meeting Cards, Corporate Cards and the David Jones Storecard. To view Amex Offers, simply [log into your Online Account](https://global.americanexpress.com/offers/eligible) or the American Express Mobile App. The account must being in good standing to be eligible for offers.
  
14. **American Express Experiences.**  
Invitations will be sent by email only. A valid email address and opt-in to Platinum Marketing communications is required. Event availability is strictly limited.
  
15. **LANGTONS benefit​.**  
Benefit is available to both Primary and Additional American Express Platinum Card Members. Enrolment via [www.langtons.com.au/platinum](http://www.langtons.com.au/platinum) and Client Services contact is required to be eligible for these benefits. One $50 welcome voucher may be redeemed per eligible Card Member, and is valid on purchases through the LANGTONS Client Services only with a minimum spend of $240 in a single transaction. The welcome voucher is only available to Card Members who are using LANGTONS Client Services for the first time. You must be at least 18 years of age to redeem this offer. The offer is not redeemable or exchangeable for cash or credit and is not valid for use on purchases outside LANGTONS Client Services. This offer is fulfilled by LANGTONS and American Express is not liable for the actions or inactions of such suppliers. The LANGTONS benefit including the welcome voucher offer and Annual Reward ends 30 June 2029\. 2026 LANGTONS Pty Ltd. All rights reserved.​​  
Once enrolled, Card Members are eligible for an Annual Reward from LANGTONS based on the following criteria:​  
   1. Spend $5,000 or more in each 12-month membership period from benefit enrolment date to receive a complimentary bottle of wine valued up to $50 retail price.​​  
   2. Spend $10,000 or more in each 12-month membership period from benefit enrolment date to receive a complimentary bottle of wine valued up to $100 retail price.  
   3. Spend $25,000 or more in each 12-month membership period from benefit enrolment date to receive a complimentary bottle of wine valued up to $250 retail price.  
   4. Spend $50,000 or more in each 12-month membership period from benefit enrolment date to receive a complimentary bottle of Grange or a bottle of wine with a retail value at least equivalent to the market value of the current vintage of Grange.
  
16. **The Australian Premium Subscription.**  
The _Australian_ Premium Subscription benefit offer (‘Benefit’) is available to eligible American Express Australia Card Members (‘Card Members’).  
Once you have requested to enrol in The Australian Premium Subscription, American Express Australia Limited (‘American Express’) will determine your eligibility to enrol in the Benefit via the enrolment process. If eligible then American Express will share your enrolment information with Nationwide News Pty Ltd (‘News Corp’). News Corp may use this enrolment information in accordance with its privacy policy available [here](https://preferences.news.com.au/privacy).  
The Benefit will provide eligible Card Members with; (a) a 12 month digital access to The Australian which provides premium content at [theaustralian.com.au](http://theaustralian.com.au/) and via The Australian app; (b) eligibility to activate a digital subscription to the Wall Street Journal which will run concurrently with the subscription in (a) above; (c) a bespoke The Australian Premium e-newsletter sent every week and exclusive to subscribers of The Australian Premium subscription; and (d) access to The Australian annual event​.Eligible Card Members must activate the Benefit described in (a) above in order to be provided with the opportunity to activate or enjoy the other parts of the Benefit.​  
Card Members are not required to pay for the Benefit. Subscriptions provided under the Benefit will be automatically renewed every 12 months provided American Express and News Corp continue their arrangements in relation to this Benefit. Under the Benefit, you are limited to one digital subscription per eligible Card Member; not to be used in conjunction with any other offer; subscription is for digital content only; physical newspapers are not included. In addition to these terms and conditions, your use of the Benefit is subject to News Corp’s full digital subscription terms and conditions available [here](https://myaccount.news.com.au/theaustralian/help/subscriptionTerms?pkgDef=TA%5FSDO%5FP0413%5FW04). For avoidance of doubt, terms and conditions contained here will take precedent in the event of inconsistency. Eligible Card Members will be required to agree to News Corp’s terms and conditions and privacy policy to activate the Benefit.​  
News Corp may cancel any digital subscription provided under the Benefit at any time if the Card Member subscriber is in breach of these terms and conditions or the News Corp terms and conditions for any part of the Benefit, if notified by American Express that a Card Member is no longer eligible for this subscription or if American Express and News Corp cease to have an agreement relating to the continued provision of the Benefit. The value of the Benefit is not redeemable for cash or any other payment form. American Express may end this Benefit at any time. ​
  
17. **ALL Accor+ Explorer Membership.**  
An annual ALL Accor+ Explorer Membership is valued at AU$349, found at [accorplus.com/au/benefits](http://accorplus.com/au/benefits) as at 1 October 2025\. Eligible American Express Card Members are required to enrol to receive a complimentary ALL Accor+ Explorer membership. An ALL Accor+ Explorer membership is available only to the Primary Platinum Card Member. Membership privileges will only be granted on presentation of a valid membership card and a member must identify themselves as an ALL Accor+ Explorer member at time of booking. Accommodation bookings must be made in advance through the ALL.com app. American Express reserves the right to instruct Accor Plus to cancel your membership if you cease to be a Platinum Card Member or your Account is not in good standing. Complimentary membership is a continuing benefit of your American Express Platinum Card, however American Express reserves the right to discontinue the benefit, upon providing you with reasonable notice. Once enrolled, enrolment continues for at least 12 months. If you become ineligible for this benefit or if this benefit ends, the ALL Accor+ Explorer membership standard eligibility criteria will apply to you. A Stay Plus Free Night may be subject to availability at participating properties. Use of the Stay Plus is subject to the conditions as listed on [accorplus.com/au/terms-and-conditions](http://www.accorplus.com/au/terms-and-conditions). Membership privileges are subject to exceptions listed at [accorplus.com/au/benefits-exceptions](http://accorplus.com/au/benefits-exceptions). Dining and drinks discounts do not apply to room service, mini bars, meeting rooms, selections from the kids’ menus or takeaways; and public holidays or during special events. For more information, please visit here: [accorplus.com/benefits/more-flavours](http://accorplus.com/benefits/more-flavours). Dining privileges are subject to the Accor Plus membership terms and conditions which are found here: [accorplus.com/au/terms-and-conditions](http://accorplus.com/au/terms-and-conditions).
  
18. **Platinum Card Insurance.**  
IMPORTANT INFORMATION: If the unexpected happens on your travels and a medical emergency arises, your first port of call is Chubb Assistance. In the event of an incident and to ensure you get appropriate, and fast, treatment from a doctor who speaks your language, you must call Chubb Assistance on +61 2 9335 3492 or the number on the back of your Card before seeking medical treatment, or you may be responsible for your medical expense costs. The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Platinum Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the [American Express Platinum Card Insurance Terms and Conditions](https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf) and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
  
19. **Fine Hotels + Resorts.**  
Average US$550 value based on FHR bookings in 2024 for stays of two nights. Actual value will vary based on property, room rate, upgrade availability and use of benefits. Fine Hotels + Resorts (FHR) program benefits are available for new bookings made through American Express Travel with participating properties and are valid only for eligible Platinum Charge Card Members and Centurion® Members. Platinum Credit Card Members who are not also Australian Platinum Charge Card Members or Centurion® Members, are not eligible for FHR program benefits. Bookings must be made using an eligible Card and must be paid using that Card, or another American Express® Card, in the eligible Card Member's name, and that Card Member must be travelling on the itinerary booked. Noon check-in and room upgrade are subject to availability and are provided at check-in; certain room categories are not eligible for upgrade. The US$100 credit will be applied to eligible charges up to the amount of the credit. To receive the US$100 credit, the eligible spend must be charged to your hotel room. The US$100 credit will be applied at check-out. Advance reservations are recommended for certain US$100 credits. The type and value of the daily breakfast (for two) varies by property; breakfast will be valued at a minimum of US$60 per room per day. To receive the breakfast credit, the breakfast bill must be charged to your hotel room. The breakfast credit will be applied at check-out. If the cost of Wi-Fi is included in a mandatory property fee, a daily credit of that amount will be applied at check-out. Benefits are applied per room, per stay (with a three-room limit per stay). Back-to-back stays booked by a single Card Member, Card Members staying in the same room or Card Members travelling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional FHR benefits (“Prohibited Action”). American Express and the property reserve the right to modify or revoke FHR benefits at any time without notice if we or they determine, in our or their sole discretion, that you may have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your FHR benefits. Benefit restrictions vary by property. Benefits cannot be redeemed for cash and are not combinable with other offers unless indicated. Benefits must be used during the stay booked. Any credits applicable are applied at check-out in USD or the local currency equivalent. Benefits, participating properties, and availability and amenities at those properties are subject to change. To be eligible for FHR program benefits, your eligible Card Account must not be cancelled. For additional information, please call the number on the back of your Card.
  
20. **Radisson Rewards Premium status.**  
Enrolment in the Radisson Rewards program is required for membership to be upgraded. Benefits are subject to change and availability may vary by property. Radisson Rewards benefits may not be combined with benefits offered by American Express and other loyalty programs. All American Express terms and conditions apply. All Radisson Rewards terms and conditions apply. To view terms and conditions visit [radissonhotels.com/en-us/terms-and-conditions](https://www.radissonhotels.com/en-us/terms-and-conditions). American Express reserves the right to instruct Radisson Rewards to cancel your membership if you cease to be a Platinum Card Member or your Account is not in good standing.
  
21. **International Airline Program.**  
   * American Express reserves the rights to change these conditions from time to time with 21 days prior notice and/or to discontinue the whole programme. To earn or redeem Membership Rewards points, Cards must be registered to the American Express Membership Rewards program, and be active and current in their payments. When paying with a combination of your American Express Card and Membership Rewards points, only the value applied to the Card is eligible to earn Membership Rewards points. Membership Rewards Terms and Conditions apply when booking on the American Express Travel website. Please visit the Membership Rewards website to view the full Terms and conditions ([membershiprewards.com.au/termsandconditions](https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/)).  
   * Airlines reserve the right to change, cancel or restrict flight operations without notice. IAP upgrades or specially negotiated fares may be limited by airlines to certain flights and/or dates (“blackouts”). IAP is subject to the terms and conditions of each participating carrier. American Express does not guarantee that seats or tickets will be available. Cabins of service and discounts vary by airline and route.  
   * To qualify for the IAP upgrades or specially negotiated fares: a) Your journey must start and end at the same port as designated by the participating airline and be completed within the period during which your selected carrier participates in the programme. You will be advised of any applicable dates at the time of booking. b) IAP tickets must be purchased through the American Express Travel Service and must be charged to a valid Australian American Express Platinum Card which is in good standing. c) The Platinum Cardmember who purchases the ticket(s) must be one of the travellers. d) IAP tickets are non-transferable and nonendorsable.  
   * Any travel on non-participating airlines must be ticketed and paid for separately and is not part of the IAP. Certain code share or flights on the worldwide partners of the participating airlines may not apply.  
   * Certain IAP airlines or non-participating airlines impose restrictions such as ticketing time limit on advance booking to indicate a timeline for ticketing upon making your reservations. For each individual airline Terms & Conditions, please check with the Platinum Travel Service for details.  
   * IAP upgrade offers or specially negotiated fares may not be combined with any other promotion, discount, negotiated or corporate rate.  
   * American Express acts only as an agent for travel service providers and does not own or operate any airline or means of transportation. American Express is not liable for service deficiencies on the part of airlines or other service providers, including but not limited to: accidents and injuries; delays; changes in routes or itineraries; loss, theft or damages to possessions. American Express strongly advises travellers to insure themselves against travel risks. Travellers are responsible for ensuring that they have valid documentation and for complying with the health, customs, currency and other laws of any country they enter or attempt to enter.  
   * IAP is available to Platinum Cardmembers from a variety of participating airlines each with specifically designated ports of departure and arrival. Please refer to the Platinum Travel Service for details of participating airlines, applicable routing and timetables and fares in force at any particular time. Other International Airline Program Terms & Conditions may apply.  
Savings are based on full-priced retail year-round airfares from Australia to select destinations with participating airlines in selected booking classes in First, Business and Premium Economy. Savings are calculated on the base fare and do not include applicable charges such as taxes, service fees, date change fees and cancellation fees. A maximum of 8 tickets can be purchased per Card Member per transaction. Prices are subject to availability and subject to change. All airfares must be purchased through the Platinum Travel Service and paid for on the Platinum Card. Airfares at sale prices may be released in the market at any time and reduce the featured savings. Fare rules including Advance Purchase, Min/Max Stay, any Penalties/Refunds, Stopovers/Transfers, Discounts (child/infant), and Taxes/Surcharges, are dependent on the airline’s Terms and Conditions and can vary. Airline Partners and offers vary and are subject to change. Contact Platinum Travel Service for full details on the International Airline Program.
  
22. **Additional Card Members.**  
Additional Card Members must be 16 years of age or over. The Primary Card Member will be liable to pay for all transactions made by Additional Card Members. Earning of points is subject to the terms and conditions of the Rewards Program the Primary Card Member is actively enrolled. All points earned on Additional Card Member spend will go to the Primary Card Members Account. The Primary Card Member cannot add an Additional Card under their own name or email address and cannot add an Additional card under the name or email address of a previously approved Additional Card application on the Account.
  
23. **Fraud Protection Guarantee.**  
Provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.
  
Google Pay and the Google Logo are trademarks of Google LLC.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices.

American Express Australia Limited (ABN 92 108 952 085). ®Registered Trademark of American Express Company.

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# 

The American Express® Platinum Card

Make every moment count with the Platinum Card®

Annual Fee $1,450

[Apply Now](#)

* Terms and Conditions

Don't Miss This Special Offer

REFERRAL OFFER

### Receive up to 325,000 Bonus Membership Rewards® Points1

That's 225,000 Bonus Membership Rewards® Points when you apply online using the referral link, are approved and spend $5,000 on eligible purchases within the first 3 months from Card approval date. Plus, earn an additional 100,000 Bonus Membership Rewards® Points when you spend $5,000 on eligible purchases within the first 3 months of your second year of Card membership1. New American Express Card Members only. T&Cs apply.  
  
This is a personalised offer which may be withdrawn or changed at any time. This offer may not be available or change if you return later. Card applications should be considered carefully. Please do not rush your decision.

Key Information

### Annual Fee

$1,450 p.a.

### Card Type

[Personal Charge Card](https://www.americanexpress.com/au/credit-cards/about-credit-cards/what-is-a-charge-card/)

### Cash Flow Period

Up to 44 cash flow days2 and flexible spending power3

## How You Earn Membership Rewards Points

* ###  
2.25 points per $1 spent on purchases excluding government bodies in Australia4  
### 2.25  
### points per $1 spent  
### on purchases excluding government bodies in Australia4
* ###  
1 point per $1 spent on purchases at government bodies in Australia4  
### 1  
### point per $1 spent  
### on purchases at government bodies in Australia4

## $450 Travel Credit each year

Plan your dream escape using your annual Travel Credit5, for use on eligible flights, hotels or car hire.

Read more about $450 Travel Credit each year

## $450 Travel Credit each year

Receive $450 to spend on domestic or international travel each year when you book eligible flights, hotels or car hire with the Platinum Travel Service or [American Express Travel Online.](https://www.americanexpress.com/en-au/travel/) Learn more about the Travel Credit [here](https://www.americanexpress.com/au/credit-cards/membership-benefits/the-platinum-card/platinum-travel-credit.html)5.

## Enjoy up to $400 in Dining Credits⁶

Dine out on Platinum and enjoy up to $200 to spend at participating restaurants in Australia and up to $200 to spend at participating restaurants abroad. Terms, conditions, and exclusions apply. A separate one-time enrolment is required. Benefit ends 31 December 2026.

Read more about Enjoy up to $400 in Dining Credits⁶

## Enjoy up to $400 in Dining Credits⁶

Explore the Global Selection of Restaurants. From Michelin-starred hot spots to hidden gems, each restaurant has been handpicked locally with our Platinum Members in mind. Find your next restaurant experience to use the Global Dining Credits6 at and let Platinum take care of it.

## Access to 1,550+ Airport Lounges

Access 1,550+ Airport Lounges in more than 140 countries7, including the Centurion® Lounge, Escape Lounges, Priority Pass™ Lounges and more.

Read more about Access to 1,550+ Airport Lounges

## Access to 1,550+ Airport Lounges

The American Express Global Lounge Collection® offers a peaceful retreat at the airport, with more than 1,550 Airport Lounges across 140 countries and counting.7

## All Benefits

* ### Rewards  
Get more out of life and earn rewards along the way with the Membership Rewards® program4.  
 axp-icon-minuscircle  
#### Earn points quickly  
What's more, with no cap on earn rate, you'll continue to earn up to 2.25 points per $1 spent no matter how much you spend per year  
#### And enjoy the rewards  
   * **Transfer Points to Airline Partners**  
   Transfer your points to major Airline Reward Partner Programs8  
   * **Transfer Points to Hotel Partners**  
   Transfer points to your choice of two hotel partner programs - Hilton Honors9 and Marriott Bonvoy10  
   * **Other ways to use your Points**  
   Use your points to pay for travel8, pay for eligible purchases on your Account with Cover Charges with Points11 or redeem for Gift Cards12 with our retail and entertainment partners
* ### Shopping and Entertainment  
Enjoy exclusive offers at your favourite stores available to American Express Card Members.  
 axp-icon-minuscircle  
#### Amex Offers  
Whether it's shopping, dining, travel or entertainment there's an Amex Offer with your name on it.  
 From credits on your Account to bonus points, our eligible Card Members13 are offered opportunities to be rewarded in many ways, just by using their Card.  
As a Card Member, you will receive exciting offers from brands like David Jones, Country Road, Ampol, Lululemon, La Mer, Kogan, Luxury Escapes and Liquorland, to name a few.  
#### The American Express Experiences program  
The American Express Experiences program14 provides Platinum Card Members with access to specially curated experiences that are not open to the general public – from sporting to fashion and dining.  
#### LANGTONS  
Both Primary and Additional Platinum Card Members can unlock a range of benefits with Australia's premier fine wine destination, LANGTONS15. Gain access to LANGTONS Client Services, a complimentary service granting you exclusive access to hard-to-find vintages, pre-release wines and experiences as well as personalised recommendations and advice. You will also receive a $50 welcome voucher when you spend $240 or more in a single transaction for newly enrolled Card Members using LANGTONS Client Services for the first time. Terms, conditions and exclusions apply. A one-time enrolment is required. Benefit ends on 30 June 2029.  
#### The Australian Premium Subscription  
The Australian Premium subscription gives you access to The Australian's news coverage and analysis from here and around the world across all your devices as well as access to The Wall Street Journal. In addition, you will have access to exclusive member-only features including a weekly curated eNewsletter featuring a selection of the best reads from The Australian and global news partners including The Times of London and Harvard Business Review, as well as The Australian annual event featuring some of The Australian's most experienced political and business journalists. The complimentary The Australian Premium subscription is available to Primary and Additional Platinum Card Members16.
* ### Travel Benefits  
Explore the world with rewards, premium benefits, and complimentary airport lounge access.  
 axp-icon-minuscircle  
  
#### Complimentary ALL Accor+ Explorer Membership  
ALL Accor+ Explorer membership17 valued at $349p.a. grants you two complimentary nights stay each year (each complimentary night must be booked in conjunction with a paid night), 30% off dining, for up to 10 guests at participating Accor properties and much more.  
#### Complimentary Travel Insurance  
Travel with domestic and international insurance18 for you, your partner and your dependent children, when you pay for your return trip on your Card. Some of the covers included are:  
    
   * Trip Cancellation and Amendment Cover  
   * Travel Inconvenience Cover  
   * Public Transport Accident Cover  
   * Personal Baggage, Valuables, Money and Travel Documents Cover  
   * Medical Emergency Expenses Cover  
   * Personal Accident Cover  
    
Sub-limits apply. Please refer to the ‘Schedule of Benefits' section of the Insurance Terms and Conditions for full details.  
Terms, conditions, cover limits and exclusions apply (such as a maximum age limit of 79 when travel is purchased and a pre-existing medical condition(s) exclusion).  
#### Fine Hotels + Resorts program  
Receive a complimentary suite of benefits which offer an average total value of USD$550 at over 1,800 extraordinary properties worldwide when you book with Fine Hotels + Resorts19. Complimentary benefits include guaranteed 4pm late check-out, room upgrades (subject to availability), daily breakfast for two, or a complimentary amenity valued at US$100 experience credit per stay, unique to each property.  
#### Hotel Elite Status  
With Hotel Elite Status, you'll be fast-tracked to the higher tiers of leading hotel loyalty programs around the world, without having to fulfil the usual qualifying criteria like numerous night stays each year. Partners include Hilton Honors Gold status9 and Marriott BonvoyTM Gold status10 and Radisson Rewards Premium status20.  
#### International Airline Program  
Our International Airline Program21 offers savings on First and Business Class airfares with some of the world's leading airlines.
* ### Service and Protection  
Protection when you need it most. Shop with confidence.  
 axp-icon-minuscircle  
#### 24/7 Platinum Card Services  
Platinum Card Services provides 24/7 help whether you need emergency assistance, your account balance, redemption on Membership Rewards points or Additional Cards22.  
#### Shop with confidence  
   * Buyer's Advantage Cover18, extends your manufacturer's warranty by up to 12 months on eligible items purchased with your Card. You're covered for up to $20,000 per year on eligible items within the Buyer's Advantage period.  
   * Card Purchase Cover18, will keep your protected with cover should your eligible items be stolen or damaged. Item must be stolen or broken within 90 days of purchase. You're covered for up to $30,000 per year and $3,500 per claim with a $50 excess per claim.  
   * Card Refund Cover18, is also available should a store refuse to accept the return of an eligible item. Must be within 90 days of purchase. You're covered for up to $5,000 per year and $1,000 per claim, with no excess.  
   * Fraud Protection Guarantee23 means you won't be held responsible for any unauthorised charges made without your knowledge. Must be within 90 days of purchase. You're covered for up to $5,000 per year and $1,000 per claim, with no excess.  
   * This Platinum Card is also eligible for use with Apple Pay, Samsung Pay and Google Pay™ and if your Card is lost or stolen, notify us and you can continue to pay with your smartphone while your replacement Card is being delivered.

Eligibility

To apply for The Platinum Card you need to:

* Have a good credit history and no payment defaults
* Be aged 18 years or over
* Be an Australian citizen, permanent resident or hold a long term visa

Documentation

Documents and information to have ready:

* Australian Driver’s Licence number (if you have one)
* Details of your income, expenses and debts
* Proof of income (e.g. payslips)

Important Information

* [Insurance Terms and Conditions](https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf)
* [Membership Rewards Terms and Conditions](https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/)
* [Card Terms & Conditions](https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/CMagreement.pdf)
* [Target Market Determination](https://www.americanexpress.com/content/dam/amex/au/pdfs/credit-cards/TargetMarketDetermination%5FPlatinum.pdf)

---

This American Express® Card is eligible for use with [Apple Pay](http://www.americanexpress.com/au/content/apple-pay/), [Samsung Pay](http://americanexpress.com/au/content/samsung-pay/) and [Google Pay](https://www.americanexpress.com/au/content/google-pay/)

The American Express® Platinum Card

[Apply Now](#)

* Terms and Conditions

## Browse Other Cards

Click below to find the right Card for you. Your friend can receive a referral bonus when you apply and are approved through the links below.

## American Express Card

* [View all Personal Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/personal/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fview%5Fall%5Fpersonal%5Fcards "View all Personal Cards")
* [About Personal Cards](https://www.americanexpress.com/au/credit-cards/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fabout%5Fpersonal%5Fcards "About Personal Cards")
* [View all Business Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/business/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fview%5Fall%5Fbusiness%5Fcards "View all Business Cards")
* [View all Corporate Cards](https://www.americanexpress.com/en-au/business/corporate-credit-cards/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fview%5Fall%5Fcorporate%5Fcards "View all Corporate Cards")
* [Add Someone to Your Account](https://www.americanexpress.com/au/credit-cards/manage-your-card/additional-card/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fadd%5Fsomeone%5Fto%5Fyour%5Faccount "Add Someone to Your Account")
* [Refer a Friend](https://www.americanexpress.com/en-au/referral/?CPID=100316804&inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Frefer%5Fa%5Ffriend "Refer a Friend")

## More Products & Services

* [Insurance](https://www.americanexpress.com/au/insurance/?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Finsurance "Insurance")
* [Accept the Card](https://www.americanexpress.com/au/merchant/accept-amex-cards.html?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Faccept%5Fthe%5Fcard "Accept the Card")
* [Register for Online Services](https://oce.americanexpress.com/myca/ocareg/japa/action?request%5Ftype=un%5FRegister&inav=en%5Fau%5Ffooter%5Fmy%5Faccount%5Fbusiness%5Fowners%5Fregister%5Ffor%5Fonline%5Fservices&Face=en%5FAU#/splash "Register for Online Services")
* [ATM Locator](https://network.americanexpress.com/en/atm%5Flocator/?ref=prop&inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Fatm%5Flocator "ATM Locator")
* [Global Network](https://network.americanexpress.com/globalnetwork/v4?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Fglobal%5Fnetwork "Global Network")
* [Download the App](https://www.americanexpress.com/en-au/credit-cards/manage-your-card/mobile-app/?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Fdownload%5Fthe%5Fapp "Download the App")

## Important Links

* [Frequently Asked Questions](https://www.americanexpress.com/en-au/customer-service/?inav=en%5Fau%5Ffooter%5Fimportant%5Flinks%5Ffrequently%5Fasked%5Fquestions "Frequently Asked Questions")
* [Moving Abroad?](https://www.americanexpress.com/us/customer-service/global-card-relationship/?inav=en%5Fau%5Ffooter%5Fimportant%5Flinks%5Fmoving%5Fabroad "Moving Abroad?")
* [Ways to Pay](https://www.americanexpress.com/au/credit-cards/manage-your-card/ways-to-pay/?inav=en%5Fau%5Ffooter%5Fimportant%5Flinks%5Fways%5Fto%5Fpay "Ways to Pay")

## Company Information

* [About American Express](https://www.americanexpress.com/au/about-us/?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fabout%5Famerican%5Fexpress "About American Express")
* [Careers](https://www.americanexpress.com/en-us/careers/?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fcareers "Careers")
* [Contact Us](https://www.americanexpress.com/australia/customerservice/contactus.shtml?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fcontact%5Fus "Contact Us")
* [Site Map](https://www.americanexpress.com/au/sitemap/personal.html?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fsite%5Fmap "Site Map")

---

Australia[Change Country](https://www.americanexpress.com/en-us/change-country/)

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* [](https://www.youtube.com/user/AmericanExpressAU "Link will open in a new window")

* [Website Rules and Regulations](https://www.americanexpress.com/au/about-us/disclosures/online-terms-and-conditions/?inav=en%5Fau%5Flegalfooter%5Fwebsite%5Frules%5Fand%5Fregulations "Website Rules and Regulations")
* [Trademarks](https://www.americanexpress.com/en-au/company/legal/trademarks/?inav=en%5Fau%5Flegalfooter%5FTrademarks "Trademarks")
* [Privacy Centre](https://www.americanexpress.com/en-au/company/legal/privacy-centre/?inav=en%5Fau%5Flegalfooter%5Fprivacy%5Fcentre "Privacy Centre")
* [Privacy Statement](https://www.americanexpress.com/au/about-us/disclosures/privacy-statement/?inav=en%5Fau%5Flegalfooter%5Fprivacy%5Fstatement "Privacy Statement")
* [Security](https://www.americanexpress.com/en-au/credit-cards/membership-benefits/why-amex/service-security/?inav=en%5Fau%5Flegalfooter%5FSecurity "Security")
* [Accessibility](https://www.americanexpress.com/au/about-us/disclosures/accessibility/?inav=en%5Fau%5Flegalfooter%5FAccessibility "Accessibility")
* [Resolving Complaints](https://www.americanexpress.com/en-au/customer-service/resolve-complaints/?inav=en%5Fau%5Flegalfooter%5Fresolving%5Fcomplaints "Resolving Complaints")
* [Financial Hardship](https://www.americanexpress.com/australia/customerservice/financial%5Fdifficulty.shtml?inav=en%5Fau%5Flegalfooter%5Ffinancial%5Fhardship "Financial Hardship")

 Copyright © 2026 [American Express Company](https://www.americanexpress.com/en-au/ "Copyright © {Year} American Express Company.") 

;

---

# Source: http://accorplus.com/au/terms-and-conditions

[  ](https://www.accorplus.com/au "ALL Accor+ Explorer Australia") 

###### Welcome 

* [Your Membership](https://www.accorplus.com/au/profile/)  
   * [Your Account](https://www.accorplus.com/au/profile/)  
   * [Hotels](http://accorplus.com/au/hotels/?q=Canberra%20ACT,%20Australia&rooms=1&freenight=NO&room1Adults=1)  
   * [Hotel Benefits](http://accorplus.com/au/hotel-benefits/)  
   * [Reserve a restaurant](http://accorplus.com/au/restaurants/?destination=Canberra%20ACT,%20Australia&lat=-35.3075&long=149.124417&radius=54145.61&unit=KM)  
   * [Restaurant Benefits](http://accorplus.com/au/restaurant-benefits/)  
   * [ALL Accor Loyalty Benefits](http://accorplus.com/au/all-accor-loyalty-benefits/)  
   * [Our Hotel Brands](http://accorplus.com/au/hotel-brands/)
* [Hotels](http://accorplus.com/au/hotels/?q=Canberra%20ACT,%20Australia&rooms=1&freenight=NO&room1Adults=1)
* [Restaurants](http://accorplus.com/au/restaurants/?destination=Canberra%20ACT,%20Australia&lat=-35.3075&long=149.124417&radius=54145.61&unit=KM)
* [Find an Offer](https://www.accorplus.com/au/offers/)  
   * [All Offers](https://www.accorplus.com/au/offers/)  
   * [Discovery Offers](#)  
   * [Dine](http://accorplus.com/au/offers/?offer-types=dine)  
   * [Events](http://accorplus.com/au/offers/?offer-types=events)  
   * [More Escapes](http://accorplus.com/au/offers/?offer-types=more-escapes)  
   * [Partner Offers](http://accorplus.com/au/offers/?offer-types=partner-offers)  
   * [Red Hot Rooms](http://accorplus.com/au/offers/?offer-types=red-hot-room)  
   * [Stay](http://accorplus.com/au/offers/?offer-types=stay)
* [Help Center](https://help.accorplus.com/hc/en-au/)

* [MEMBERSHIP](http://accorplus.com/au/explorer-membership/)  
   * [Explorer Membership](http://accorplus.com/au/explorer-membership)  
   * [Hotel Benefits](http://accorplus.com/au/hotel-benefits/)  
   * [Restaurant Benefits](http://accorplus.com/au/restaurant-benefits/)  
   * [ALL Accor Loyalty Benefits](http://accorplus.com/au/all-accor-loyalty-benefits/)  
   * [Our Hotel Brands](http://accorplus.com/au/hotel-brands/)  
   * [Help Center](https://help.accorplus.com/hc/en-au/)
* [Hotels](http://accorplus.com/au/hotels/?q=Canberra%20ACT,%20Australia&rooms=1&freenight=NO&room1Adults=1)
* [Restaurants](http://accorplus.com/au/restaurants/?destination=Canberra%20ACT,%20Australia&lat=-35.3075&long=149.124417&radius=54145.61&unit=KM)
* [Member Offers](http://accorplus.com/au/offers/)  
   * [ALL OFFERS](http://accorplus.com/au/offers/)  
   * [Stays](http://accorplus.com/au/offers/?filter-offer%5Fcategory=stay)  
   * [Dine](http://accorplus.com/au/offers/?filter-offer%5Fcategory=dine)  
   * [Red Hot Rooms](http://accorplus.com/au/offers?filter-offer%5Fcategory=red-hot-rooms)  
   * [More Escapes](http://accorplus.com/au/offers?filter-offer%5Fcategory=more-escapes)  
   * [Events](http://accorplus.com/au/offers?filter-offer%5Fcategory=events)  
   * [Partners](http://accorplus.com/au/offers?filter-offer%5Fcategory=partner-offers)

[ JOIN NOW ](https://checkout.accorplus.com/product/au-explorer) 

* [ English](https://www.accorplus.com/au/about/terms-and-conditions/ "Switch to English (English)")

######  Welcome 

[ Your Account ](https://www.accorplus.com/au/profile/) [ Log Out ](http://accorplus.com/logout.php?redirect%5Furi=%2Fau%2Fabout%2Fterms-and-conditions%2F) 

[ JOIN NOW ](https://checkout.accorplus.com/product/au-explorer) 

## Country Selection

Please select your country below. If your country is not listed, select continue on Rest of the World.

* [ Australia](http://accorplus.com/au)
* [ Hong Kong China](http://accorplus.com/hk)
* [ India](http://accorplus.com/in)
* [ Indonesia](http://accorplus.com/id)
* [ Japan](http://accorplus.com/jp)
* [ Korea](http://accorplus.com/kr)
* [ Malaysia](http://accorplus.com/my)

* [ New Zealand](http://accorplus.com/nz)
* [ Philippines](http://accorplus.com/ph)
* [ Singapore](http://accorplus.com/sg)
* [ Thailand](http://accorplus.com/th)
* [ United Arab Emirates](http://accorplus.com/ae)
* [ Vietnam](http://accorplus.com/vn)
* [ Continue on Rest of the World](#)

[ Join now ](https://checkout.accorplus.com/product/au-explorer) 

# Membership Terms and Conditions

**Updated as of 19 May 2026**

[Download Membership Terms and Conditions](https://etqk82p44vf.exactdn.com/wp-content/uploads/2026/05/18181144/ALL-Accor-Explorer-Terms-and-Conditions%5FUpdated%5F19May2026.pdf)

## Variations

[Stay Variations](https://www.accorplus.com/au/stay-benefit-variations/)

[Dining Variations and Blackout Dates](https://www.accorplus.com/au/dining-benefit-variations/)

* [MEMBERSHIP](http://accorplus.com/au/explorer-membership/)  
   * [Explorer Membership](http://accorplus.com/au/explorer-membership/)  
   * [Hotel Benefits](http://accorplus.com/au/hotel-benefits/)  
   * [Stay Variations](http://accorplus.com/au/stay-benefit-variations/)  
   * [Restaurant Benefits](http://accorplus.com/au/restaurant-benefits/)  
   * [Dining Variations](http://accorplus.com/au/dining-benefit-variations/)  
   * [ALL Accor Loyalty Benefits](http://accorplus.com/au/all-accor-loyalty-benefits/)
* [Member Offers](http://accorplus.com/au/offers/)  
   * [All Offers](http://accorplus.com/au/offers/)  
   * [Dine](http://accorplus.com/au/offers?filter-offer%5Fcategory=dine)  
   * [Events](http://accorplus.com/au/offers/?offer-types=events)  
   * [More Escapes](http://accorplus.com/au/offers?filter-offer%5Fcategory=more-escapes)  
   * [Partner Offers](http://accorplus.com/au/offers?filter-offer%5Fcategory=partner-offers)  
   * [Red hot Rooms](http://accorplus.com/au/offers?filter-offer%5Fcategory=red-hot-rooms)  
   * [Stay](http://accorplus.com/au/offers/?filter-offer%5Fcategory=stay)
* [About](http://accorplus.com/au/about/)  
   * [Accor Plus](http://accorplus.com/au/about/)  
   * [Our Hotel Brands](http://accorplus.com/au/hotel-brands/)  
   * [Hotels](http://accorplus.com/au/hotels/?q=Canberra%20ACT,%20Australia&rooms=1&freenight=NO&room1Adults=1)  
   * [Restaurants](http://accorplus.com/au/restaurants/?destination=Canberra%20ACT,%20Australia&lat=-35.3075&long=149.124417&radius=54145.61&unit=KM)  
   * [Partner With Accor Plus](http://accorplus.com/au/partner-with-accor-plus/)  
   * [News](http://accorplus.com/au/news/)
* [Help & Support](https://help.accorplus.com/hc/en-au/)  
   * [Contact Us](https://help.accorplus.com/hc/en-au/requests/new)

* [About](http://accorplus.com/au/about/)  
   * [Accor Plus](http://accorplus.com/au/about/)  
   * [Hotels](http://accorplus.com/au/hotels)  
   * [Restaurants](http://accorplus.com/au/restaurants)  
   * [Partner with Accor Plus](http://accorplus.com/au/partner-with-accor-plus/)  
   * [News](http://accorplus.com/au/news)
* [Help & Support](https://help.accorplus.com/hc/en-au/)  
   * [Help Center](https://help.accorplus.com/hc/en-au/)  
   * [Contact Us](https://help.accorplus.com/hc/en-au/requests/new)

* [ youtube ](https://www.youtube.com/c/AccorPlusExperienceMore)
* [ instagram ](https://www.instagram.com/accorplus/)
* [ facebook ](https://www.facebook.com/AccorPlus/)
* [ linkedin ](https://www.linkedin.com/company/accor-plus/)

* [Careers](https://careers.accor.com/global/en/)
* [Terms and Conditions](https://www.accorplus.com/au/about/terms-and-conditions/)
* [Data Privacy Charter](https://www.accorplus.com/au/data-privacy-charter/)

 © 2026 ​ 

Australia Fiji Hong Kong China India Indonesia Japan Korea Malaysia New Zealand Philippines Rest of the World Singapore Thailand United Arab Emirates Vietnam

---

# Source: http://www.accorplus.com/au/terms-and-conditions

[  ](https://www.accorplus.com/au "ALL Accor+ Explorer Australia") 

###### Welcome 

* [Your Membership](https://www.accorplus.com/au/profile/)  
   * [Your Account](https://www.accorplus.com/au/profile/)  
   * [Hotels](http://www.accorplus.com/au/hotels/?q=Canberra%20ACT,%20Australia&rooms=1&freenight=NO&room1Adults=1)  
   * [Hotel Benefits](http://www.accorplus.com/au/hotel-benefits/)  
   * [Reserve a restaurant](http://www.accorplus.com/au/restaurants/?destination=Canberra%20ACT,%20Australia&lat=-35.3075&long=149.124417&radius=54145.61&unit=KM)  
   * [Restaurant Benefits](http://www.accorplus.com/au/restaurant-benefits/)  
   * [ALL Accor Loyalty Benefits](http://www.accorplus.com/au/all-accor-loyalty-benefits/)  
   * [Our Hotel Brands](http://www.accorplus.com/au/hotel-brands/)
* [Hotels](http://www.accorplus.com/au/hotels/?q=Canberra%20ACT,%20Australia&rooms=1&freenight=NO&room1Adults=1)
* [Restaurants](http://www.accorplus.com/au/restaurants/?destination=Canberra%20ACT,%20Australia&lat=-35.3075&long=149.124417&radius=54145.61&unit=KM)
* [Find an Offer](https://www.accorplus.com/au/offers/)  
   * [All Offers](https://www.accorplus.com/au/offers/)  
   * [Discovery Offers](#)  
   * [Dine](http://www.accorplus.com/au/offers/?offer-types=dine)  
   * [Events](http://www.accorplus.com/au/offers/?offer-types=events)  
   * [More Escapes](http://www.accorplus.com/au/offers/?offer-types=more-escapes)  
   * [Partner Offers](http://www.accorplus.com/au/offers/?offer-types=partner-offers)  
   * [Red Hot Rooms](http://www.accorplus.com/au/offers/?offer-types=red-hot-room)  
   * [Stay](http://www.accorplus.com/au/offers/?offer-types=stay)
* [Help Center](https://help.accorplus.com/hc/en-au/)

* [MEMBERSHIP](http://www.accorplus.com/au/explorer-membership/)  
   * [Explorer Membership](http://www.accorplus.com/au/explorer-membership)  
   * [Hotel Benefits](http://www.accorplus.com/au/hotel-benefits/)  
   * [Restaurant Benefits](http://www.accorplus.com/au/restaurant-benefits/)  
   * [ALL Accor Loyalty Benefits](http://www.accorplus.com/au/all-accor-loyalty-benefits/)  
   * [Our Hotel Brands](http://www.accorplus.com/au/hotel-brands/)  
   * [Help Center](https://help.accorplus.com/hc/en-au/)
* [Hotels](http://www.accorplus.com/au/hotels/?q=Canberra%20ACT,%20Australia&rooms=1&freenight=NO&room1Adults=1)
* [Restaurants](http://www.accorplus.com/au/restaurants/?destination=Canberra%20ACT,%20Australia&lat=-35.3075&long=149.124417&radius=54145.61&unit=KM)
* [Member Offers](http://www.accorplus.com/au/offers/)  
   * [ALL OFFERS](http://www.accorplus.com/au/offers/)  
   * [Stays](http://www.accorplus.com/au/offers/?filter-offer%5Fcategory=stay)  
   * [Dine](http://www.accorplus.com/au/offers/?filter-offer%5Fcategory=dine)  
   * [Red Hot Rooms](http://www.accorplus.com/au/offers?filter-offer%5Fcategory=red-hot-rooms)  
   * [More Escapes](http://www.accorplus.com/au/offers?filter-offer%5Fcategory=more-escapes)  
   * [Events](http://www.accorplus.com/au/offers?filter-offer%5Fcategory=events)  
   * [Partners](http://www.accorplus.com/au/offers?filter-offer%5Fcategory=partner-offers)

[ JOIN NOW ](https://checkout.accorplus.com/product/au-explorer) 

* [ English](https://www.accorplus.com/au/about/terms-and-conditions/ "Switch to English (English)")

######  Welcome 

[ Your Account ](https://www.accorplus.com/au/profile/) [ Log Out ](http://www.accorplus.com/logout.php?redirect%5Furi=%2Fau%2Fabout%2Fterms-and-conditions%2F) 

[ JOIN NOW ](https://checkout.accorplus.com/product/au-explorer) 

## Country Selection

Please select your country below. If your country is not listed, select continue on Rest of the World.

* [ Australia](http://www.accorplus.com/au)
* [ Hong Kong China](http://www.accorplus.com/hk)
* [ India](http://www.accorplus.com/in)
* [ Indonesia](http://www.accorplus.com/id)
* [ Japan](http://www.accorplus.com/jp)
* [ Korea](http://www.accorplus.com/kr)
* [ Malaysia](http://www.accorplus.com/my)

* [ New Zealand](http://www.accorplus.com/nz)
* [ Philippines](http://www.accorplus.com/ph)
* [ Singapore](http://www.accorplus.com/sg)
* [ Thailand](http://www.accorplus.com/th)
* [ United Arab Emirates](http://www.accorplus.com/ae)
* [ Vietnam](http://www.accorplus.com/vn)
* [ Continue on Rest of the World](#)

[ Join now ](https://checkout.accorplus.com/product/au-explorer) 

# Membership Terms and Conditions

**Updated as of 19 May 2026**

[Download Membership Terms and Conditions](https://etqk82p44vf.exactdn.com/wp-content/uploads/2026/05/18181144/ALL-Accor-Explorer-Terms-and-Conditions%5FUpdated%5F19May2026.pdf)

## Variations

[Stay Variations](https://www.accorplus.com/au/stay-benefit-variations/)

[Dining Variations and Blackout Dates](https://www.accorplus.com/au/dining-benefit-variations/)

* [MEMBERSHIP](http://www.accorplus.com/au/explorer-membership/)  
   * [Explorer Membership](http://www.accorplus.com/au/explorer-membership/)  
   * [Hotel Benefits](http://www.accorplus.com/au/hotel-benefits/)  
   * [Stay Variations](http://www.accorplus.com/au/stay-benefit-variations/)  
   * [Restaurant Benefits](http://www.accorplus.com/au/restaurant-benefits/)  
   * [Dining Variations](http://www.accorplus.com/au/dining-benefit-variations/)  
   * [ALL Accor Loyalty Benefits](http://www.accorplus.com/au/all-accor-loyalty-benefits/)
* [Member Offers](http://www.accorplus.com/au/offers/)  
   * [All Offers](http://www.accorplus.com/au/offers/)  
   * [Dine](http://www.accorplus.com/au/offers?filter-offer%5Fcategory=dine)  
   * [Events](http://www.accorplus.com/au/offers/?offer-types=events)  
   * [More Escapes](http://www.accorplus.com/au/offers?filter-offer%5Fcategory=more-escapes)  
   * [Partner Offers](http://www.accorplus.com/au/offers?filter-offer%5Fcategory=partner-offers)  
   * [Red hot Rooms](http://www.accorplus.com/au/offers?filter-offer%5Fcategory=red-hot-rooms)  
   * [Stay](http://www.accorplus.com/au/offers/?filter-offer%5Fcategory=stay)
* [About](http://www.accorplus.com/au/about/)  
   * [Accor Plus](http://www.accorplus.com/au/about/)  
   * [Our Hotel Brands](http://www.accorplus.com/au/hotel-brands/)  
   * [Hotels](http://www.accorplus.com/au/hotels/?q=Canberra%20ACT,%20Australia&rooms=1&freenight=NO&room1Adults=1)  
   * [Restaurants](http://www.accorplus.com/au/restaurants/?destination=Canberra%20ACT,%20Australia&lat=-35.3075&long=149.124417&radius=54145.61&unit=KM)  
   * [Partner With Accor Plus](http://www.accorplus.com/au/partner-with-accor-plus/)  
   * [News](http://www.accorplus.com/au/news/)
* [Help & Support](https://help.accorplus.com/hc/en-au/)  
   * [Contact Us](https://help.accorplus.com/hc/en-au/requests/new)

* [About](http://www.accorplus.com/au/about/)  
   * [Accor Plus](http://www.accorplus.com/au/about/)  
   * [Hotels](http://www.accorplus.com/au/hotels)  
   * [Restaurants](http://www.accorplus.com/au/restaurants)  
   * [Partner with Accor Plus](http://www.accorplus.com/au/partner-with-accor-plus/)  
   * [News](http://www.accorplus.com/au/news)
* [Help & Support](https://help.accorplus.com/hc/en-au/)  
   * [Help Center](https://help.accorplus.com/hc/en-au/)  
   * [Contact Us](https://help.accorplus.com/hc/en-au/requests/new)

* [ youtube ](https://www.youtube.com/c/AccorPlusExperienceMore)
* [ instagram ](https://www.instagram.com/accorplus/)
* [ facebook ](https://www.facebook.com/AccorPlus/)
* [ linkedin ](https://www.linkedin.com/company/accor-plus/)

* [Careers](https://careers.accor.com/global/en/)
* [Terms and Conditions](https://www.accorplus.com/au/about/terms-and-conditions/)
* [Data Privacy Charter](https://www.accorplus.com/au/data-privacy-charter/)

 © 2026 ​ 

Australia Fiji Hong Kong China India Indonesia Japan Korea Malaysia New Zealand Philippines Rest of the World Singapore Thailand United Arab Emirates Vietnam

---

# Source: https://www.americanexpress.com/au/network/amex-offers-terms.html

# Offer Terms

The offer is governed by and subject to these Offer Terms. The offer description forms part of these Offer Terms. By saving the offer to your Card, you agree to these Offer Terms. 

[A. The Offer](#a "The Offer")

[B. Eligible Cards](#b "Eligible Cards")

[C. Credit & Points](#c "Credit & Points")

[D. Your account payments](#d "Your account payments")

[E. Fraud/Gaming/Glitches](#e "Fraud/Gaming/Glitches")

[F. Changes](#f "Changes")

[G. Privacy and Security](#g "Privacy and Security") 

**A. The Offer**

Save the offer to your eligible Card then meet the criteria stated in the offer description before the offer end date to receive the credit or points. The offer description and  
terms are displayed to you prior to saving the offer to your Card. After you save the offer to your Card, you can continue to access the offer description and terms until the offer end date as follows: access the Amex Offers section in your Online Services account;access the Offers section in your Amex App and selecting "My Offers";revisit the email or page from where you saved the offer to your Card.

[Go to top](# "Go to top")

**B. Eligible Cards** 

Not all Cards are eligible for this offer. If a Card you hold is ineligible, you will receive an error message and you will not be able to save the offer to your Card. Corporate, business travel, government and store Cards are not eligible for this or any offer. If you are issued a replacement Card after saving the offer to your Card, and the replacement Card has a different Card number, your participation in this offer will end. If the offer is still available, you will need to save the offer to your replacement Card.

[Go to top](#top "Go to top")

**C. Credit & Points** 

Credit or points should be applied to your Card Account within 5 business days of you meeting the offer spend criteria, however this can take up to 90 days from the offer end date. Credit or points are not redeemable for cash or other payment forms. Credit or points may be reversed if an eligible transaction is subsequently cancelled or refunded. If your Card is suspended or cancelled the credit or points will not be applied to your Card Account, even if you have met the offer spend criteria. To receive points, your Card must be enrolled in the relevant loyalty program and have an active loyalty account. 

[Go to top](# "Go to top")

**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 offer may be cancelled and may affect your eligibility to participate in future offers. 

[Go to top](#top "Go to top")

**E. Fraud / Gaming / Glitches** 

American Express reserves the right to suspend or cancel the offer if any fraud or gaming by users, technical failure or any other factors outside our control impairs the integrity or proper functioning of the offer 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 an individual from this or future offers if they are suspected of fraud, gaming or are in breach of any of the Offer Terms. 

[Go to top](#top "Go to top")

**F. Changes**

American Express reserves the right to vary any eligibility criteria or Offer Terms prior to you saving the offer to your Card. 

[Go to top](#top "Go to top")

**G. Privacy & Security** 

We use your personal information such as name, account number and transaction information to manage your participation in the offer and track your spend. We will only ever use your personal information strictly in accordance with the [American Express Online Privacy Statement](https://www.americanexpress.com/au/privacy-statement.html "American Express Online Privacy Statement"). 

[Go to top](#top "Go to top")

The offer is provided by American Express Australia Limited (ABN 92 108 952 085 Australian Credit Licence No. 291313) of 12 Shelley Street, Sydney NSW 2000\. 

---

​

## American Express Card

* [View all Personal Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/personal/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fview%5Fall%5Fpersonal%5Fcards "View all Personal Cards")
* [About Personal Cards](https://www.americanexpress.com/au/credit-cards/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fabout%5Fpersonal%5Fcards "About Personal Cards")
* [View all Business Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/business/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fview%5Fall%5Fbusiness%5Fcards "View all Business Cards")
* [View all Corporate Cards](https://www.americanexpress.com/en-au/business/corporate-credit-cards/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fview%5Fall%5Fcorporate%5Fcards "View all Corporate Cards")
* [Add Someone to Your Account](https://www.americanexpress.com/au/credit-cards/manage-your-card/additional-card/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fadd%5Fsomeone%5Fto%5Fyour%5Faccount "Add Someone to Your Account")
* [Refer a Friend](https://www.americanexpress.com/en-au/referral/?CPID=100316804&inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Frefer%5Fa%5Ffriend "Refer a Friend")

## More Products & Services

* [Insurance](https://www.americanexpress.com/au/insurance/?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Finsurance "Insurance")
* [Accept the Card](https://www.americanexpress.com/au/merchant/accept-amex-cards.html?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Faccept%5Fthe%5Fcard "Accept the Card")
* [Register for Online Services](https://oce.americanexpress.com/myca/ocareg/japa/action?request%5Ftype=un%5FRegister&inav=en%5Fau%5Ffooter%5Fmy%5Faccount%5Fbusiness%5Fowners%5Fregister%5Ffor%5Fonline%5Fservices&Face=en%5FAU#/splash "Register for Online Services")
* [ATM Locator](https://network.americanexpress.com/en/atm%5Flocator/?ref=prop&inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Fatm%5Flocator "ATM Locator")
* [Global Network](https://network.americanexpress.com/globalnetwork/v4?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Fglobal%5Fnetwork "Global Network")
* [Download the App](https://www.americanexpress.com/en-au/credit-cards/manage-your-card/mobile-app/?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Fdownload%5Fthe%5Fapp "Download the App")

## Important Links

* [Frequently Asked Questions](https://www.americanexpress.com/en-au/customer-service/?inav=en%5Fau%5Ffooter%5Fimportant%5Flinks%5Ffrequently%5Fasked%5Fquestions "Frequently Asked Questions")
* [Moving Abroad?](https://www.americanexpress.com/us/customer-service/global-card-relationship/?inav=en%5Fau%5Ffooter%5Fimportant%5Flinks%5Fmoving%5Fabroad "Moving Abroad?")
* [Ways to Pay](https://www.americanexpress.com/au/credit-cards/manage-your-card/ways-to-pay/?inav=en%5Fau%5Ffooter%5Fimportant%5Flinks%5Fways%5Fto%5Fpay "Ways to Pay")

## Company Information

* [About American Express](https://www.americanexpress.com/au/about-us/?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fabout%5Famerican%5Fexpress "About American Express")
* [Careers](https://www.americanexpress.com/en-us/careers/?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fcareers "Careers")
* [Contact Us](https://www.americanexpress.com/australia/customerservice/contactus.shtml?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fcontact%5Fus "Contact Us")
* [Site Map](https://www.americanexpress.com/au/sitemap/personal.html?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fsite%5Fmap "Site Map")

* American Express Card  
   * [View all Personal Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/personal/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fview%5Fall%5Fpersonal%5Fcards "View all Personal Cards")  
   * [About Personal Cards](https://www.americanexpress.com/au/credit-cards/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fabout%5Fpersonal%5Fcards "About Personal Cards")  
   * [View all Business Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/business/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fview%5Fall%5Fbusiness%5Fcards "View all Business Cards")  
   * [View all Corporate Cards](https://www.americanexpress.com/en-au/business/corporate-credit-cards/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fview%5Fall%5Fcorporate%5Fcards "View all Corporate Cards")  
   * [Add Someone to Your Account](https://www.americanexpress.com/au/credit-cards/manage-your-card/additional-card/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fadd%5Fsomeone%5Fto%5Fyour%5Faccount "Add Someone to Your Account")  
   * [Refer a Friend](https://www.americanexpress.com/en-au/referral/?CPID=100316804&inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Frefer%5Fa%5Ffriend "Refer a Friend")
* More Products & Services  
   * [Insurance](https://www.americanexpress.com/au/insurance/?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Finsurance "Insurance")  
   * [Accept the Card](https://www.americanexpress.com/au/merchant/accept-amex-cards.html?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Faccept%5Fthe%5Fcard "Accept the Card")  
   * [Register for Online Services](https://oce.americanexpress.com/myca/ocareg/japa/action?request%5Ftype=un%5FRegister&inav=en%5Fau%5Ffooter%5Fmy%5Faccount%5Fbusiness%5Fowners%5Fregister%5Ffor%5Fonline%5Fservices&Face=en%5FAU#/splash "Register for Online Services")  
   * [ATM Locator](https://network.americanexpress.com/en/atm%5Flocator/?ref=prop&inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Fatm%5Flocator "ATM Locator")  
   * [Global Network](https://network.americanexpress.com/globalnetwork/v4?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Fglobal%5Fnetwork "Global Network")  
   * [Download the App](https://www.americanexpress.com/en-au/credit-cards/manage-your-card/mobile-app/?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Fdownload%5Fthe%5Fapp "Download the App")
* Important Links  
   * [Frequently Asked Questions](https://www.americanexpress.com/en-au/customer-service/?inav=en%5Fau%5Ffooter%5Fimportant%5Flinks%5Ffrequently%5Fasked%5Fquestions "Frequently Asked Questions")  
   * [Moving Abroad?](https://www.americanexpress.com/us/customer-service/global-card-relationship/?inav=en%5Fau%5Ffooter%5Fimportant%5Flinks%5Fmoving%5Fabroad "Moving Abroad?")  
   * [Ways to Pay](https://www.americanexpress.com/au/credit-cards/manage-your-card/ways-to-pay/?inav=en%5Fau%5Ffooter%5Fimportant%5Flinks%5Fways%5Fto%5Fpay "Ways to Pay")
* Company Information  
   * [About American Express](https://www.americanexpress.com/au/about-us/?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fabout%5Famerican%5Fexpress "About American Express")  
   * [Careers](https://www.americanexpress.com/en-us/careers/?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fcareers "Careers")  
   * [Contact Us](https://www.americanexpress.com/australia/customerservice/contactus.shtml?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fcontact%5Fus "Contact Us")  
   * [Site Map](https://www.americanexpress.com/au/sitemap/personal.html?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fsite%5Fmap "Site Map")

---

Australia[Change Country](https://www.americanexpress.com/en-us/change-country/)

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* [Privacy Statement](https://www.americanexpress.com/au/about-us/disclosures/privacy-statement/?inav=en%5Fau%5Flegalfooter%5Fprivacy%5Fstatement "Privacy Statement")
* [Security](https://www.americanexpress.com/en-au/credit-cards/membership-benefits/why-amex/service-security/?inav=en%5Fau%5Flegalfooter%5FSecurity "Security")
* [Accessibility](https://www.americanexpress.com/au/about-us/disclosures/accessibility/?inav=en%5Fau%5Flegalfooter%5FAccessibility "Accessibility")
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* [Financial Hardship](https://www.americanexpress.com/australia/customerservice/financial%5Fdifficulty.shtml?inav=en%5Fau%5Flegalfooter%5Ffinancial%5Fhardship "Financial Hardship")

 Copyright © 2026 [American Express Company](https://www.americanexpress.com/en-au/ "Copyright © {Year} American Express Company.") 

​

---

# Source: https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/CMagreement.pdf

1 Card Member Agreement 
Effective 15 September 2026

American Express Australia Limited
Card Member Services
GPO Box 1582
Sydney NSW 2001
Telephone 1300 132 639
Call collect (reverse charges) to Australia
+61 2 9271 3760
Telephone: 1300 132 639 (in Australia)
americanexpress.com.au

3 Card Member Agreement 
Introduction 
This American Express Charge Card Member Agreement along with
the Financial Table make up the agreement (this   Agreement)   which
governs the use of your Account with us.
By activating your Card or using your Account, you agree to this
Agreement which replaces any previous agreement for your Account. 
1. Definitions 
As you read these Conditions, please remember that:
•   You   and   your   mean the person who applied for this Account
and for whom we opened the Account. References to you and
your also include actions taken by an Additional Card Member,
but Additional Card Members do not have any direct contractual
obligations to us under this Agreement.
•   We,   us   and   our   mean American Express Australia Limited
(ABN 92 108 952 085, Australian Credit Licence 291313).
•   Account   means the account we establish and maintain in relation
to Cards issued to you and any Additional Card Members, to which
we may add Charges.
•   Additional   Card   Member   means a person issued with an
additional Card to access your Account, and may previously have
been referred to as a Supplementary Card Member.
•   Card   means any card, token, application or other thing we make
available for the purpose of accessing your Account.
•   Charge   means all transactions made using a Card or otherwise
charged to your Account, and includes purchases, fees, liquidated
damages, commissions, taxes and all other amounts you have
agreed to pay us or are liable for under this Agreement.
•   Electronic   Charge   means a charge which is initiated by giving
an instruction in an authorised manner, through electronic
equipment (such as an electronic terminal, computer, mobile
device, telephone or ATM) but does not include a charge where the
principal means of authorising the charge is based on comparing a
signature to the signature on the back of your Card.
•   Online   Account   means a secure website where you may access
Account information. 
Please read this Agreement carefully and keep it for your
reference. You agree that it is your responsibility to ensure that
any Additional Card Members are aware of these terms.   Please
see the 'Additional Card Members' section of this Agreement for
additional details. 
This Agreement contains a limitation of liability clause which
limits our responsibility and liability.   Please refer to the 'Limitation
of our Liability' section of this Agreement for additional details. 
2. Protecting your Account, and Use of your Card(s)/Codes 
Warning: Failure to comply with your obligations to protect your
Account or to notify us of a lost of stolen Card may make you liable
for unauthorised charges.
To prevent misuse of your Account, you must take the following
reasonable steps to protect your Account from unauthorised access:
•   sign and activate your Card as soon as you receive it;
•   keep the Card in your possession, safe and secure at all times; and
•   never share your Card or Account details with anyone, except with
Merchants when making purchases.

THE AMERICAN EXPRESS PLATINUM CARD 4 Card Member Agreement 
To protect your PIN (personal identification number), telephone
codes, online passwords and any other codes used on your Account
(called Codes), you must ensure that you and any Additional Card
Members:
•   never share your Code/PIN or passwords with anyone else
including a family member or friends;
•   ensure that you retrieve the Card after making a Charge;
•   never give out your Card details, except when using the Card in
accordance with this Agreement; and
•   follow any activation process we tell you about, as soon as
possible.
We will comply with the ePayments Code and your liability for losses
arising from failing to protect your Code(s) will be determined in
accordance with the ePayments Code. See the section 'Liability for
unauthorised charges' for more details. 
Permitted Uses 
You may use your Account, subject to any restrictions set out in
this Agreement, to pay for goods and services from Merchants who
accept the Card (called Merchants). Here are some examples:
•   using your Card to pay for goods and services by presenting the
Card to a Merchant and complying with their request to sign or
enter your Code; and
•   using your Card or the Account to pay for goods and services
ordered from a Merchant by telephone, internet or mail.
If permitted by the Merchant, you may return to the Merchant goods
or services obtained using your Account and receive a credit to your
Account. 
Prohibited Uses 
You must not:
•   give your Card or Account Number to anyone else, or permit
any other person to use your Card or Account for Charges,
identification or any other purpose;
•   return goods or services obtained using your Account for a cash
refund;
•   use your Card to obtain cash from a Merchant for a Charge
recorded as a purchase;
•   obtain a credit to your Account except by way of a refund for goods
or services previously purchased on your Account;
•   use your Account if you are bankrupt or insolvent or if you do not
honestly expect to be able to pay your closing balance on your
next statement;
•   use your Card if you find or recover it after reporting to us that it
was lost or stolen;
•   transfer balances from another account with us to pay your
Account;
•   use your Account if your Card has been suspended or cancelled or
after the valid date shown on the back of the Card; or
•   use your Account for an unlawful purpose, including the purchase
of goods or services prohibited by the laws of Australia or any
other country where the Card is used or where the goods or
services are provided.
It is your responsibility to ensure that there is no prohibited use of
your Account by you and any Additional Card Members. You will be
responsible for any prohibited use of your Account, even if we did not
prevent or stop the prohibited use.

5 Card Member Agreement 
3. Lost and Stolen Cards and Misuse of Your Account 
You must tell us immediately by telephone 1300 132 639 if:
•   a Card is lost, not in your possession, stolen or not received;
•   mobile or other device you use to make mobile payments using
your Account is lost or stolen;
•   someone else learns your PIN or other security Code; or
•   you suspect your Account or Card is being misused, or used
without your authority, or a Charge on your Account has not been
authorised by you or has been processed incorrectly.
If a Card that you have reported lost or stolen is later found, you must
destroy it and wait for the Replacement Card. 
4. When You Are Liable for Unauthorised Charges 
If applicable, your liability for unauthorised Charges will be
determined in accordance with the ePayments Code and we warrant
that we will comply with the ePayments Code.
You will not be responsible for unauthorised Charges where you have
not contributed to them, for example where they:
•   were due to our fraud or negligence, or that of a Merchant or third
party involved in networking arrangements;
•   related to a forged, faulty, expired or cancelled Card, PIN or
Account access device;
•   occurred before you received your Card, PIN or any other Account
access device;
•   related to a Charge being incorrectly debited more than once; or
•   related to a Charge after you had notified us the misuse of your
Account, loss or theft of your Card or breach of security for your
PIN or other security codes.
However, you may be liable for certain unauthorised Charges, for
example where you contribute to the unauthorised Charge:
•   through fraud, by breaching the security requirements in the
'Protecting Your Account' section above, or leaving your Card in an
ATM.
Then you will be responsible for all unauthorised Charges until you
report the loss or breach of security requirements to us;
•   through unreasonably delaying reporting of the misuse of your
Account, loss or theft of your Card or breach of security for your
PIN or other security codes.
Then you will be responsible for all unauthorised Charges
between when you became aware of the loss or breach of security
requirements (or should reasonably have become aware) and
when it was reported to us.
If applicable, under the ePayments Code you are not liable for any
portion of losses greater than a limit on your Account or under any
rights we may have under Card scheme rules.

THE AMERICAN EXPRESS PLATINUM CARD 6 Card Member Agreement 
7. Liquidated Damages 
If you do not pay the full closing balance by the due date on your
monthly Statement, you are in default and you agree that we may
charge you liquidated damages as specified in the Financial Table
on any overdue amount. Liquidated damages may themselves be
included in a future closing balance in any subsequent Statement
until paid in full. 
8. Liability 
Except as set out in the section 'When you are liable for unauthorised
charges', you promise to pay to us all Charges and amounts owing on
your Account, including:
•   Charges you authorise even if there was no signature or Card
presented;
•   Charges you authorise by allowing other people to use your
Account; and
•   Charges that occur because you breach this Agreement (for
example, if you haven't taken reasonable steps to protect your
Account, including unauthorised Charges related to a lost or stolen
Card or Code being used by an unauthorised person under the
circumstances set out in the 'Lost and Stolen Cards and Misuse of
Your Account' section of this Agreement). 
5. Statements 
We will send or make available to you statements of account (called
Statements) periodically. We will normally send you or make available
a Statement once every month. Each Statement will show important
information about your Account, such as the outstanding balance on
the last day of the Statement period (called the Closing Balance), the
payment due, the payment due date and will include Charges made
by you and any Additional Card Members. If your Account is seriously
overdue or the Closing Balance is less than $10 or in credit, or there
have been no transactions on your Account, we may stop sending
you Statements.
Always check each Statement for accuracy and contact us as soon
as possible if you need more information about a Charge on any
Statement.
If you have a complaint or problem with your Statement or any
Charge on it, inform us immediately. If we request, you agree to
promptly provide us with written confirmation of your complaint or
problem.
If you are enrolled in online Statements you agree that we may stop
sending paper Statements. You agree that any specific terms about
online Statements that we provide to you will apply and form part of
this Agreement. 
6. Fees 
The fees and commissions that apply to your Account are set out
and described in the Financial Table. You agree to pay these fees and
commissions and you authorise us to charge them to your Account
when due.

7 Card Member Agreement 
Additional Card Member not liable for Charges 
You authorise any Additional Card Member to use your Account and
acknowledge that the Additional Card Member is an authorised user
of your Account.
You will be solely liable for Charges made by an Additional Card
Member on your Account and any Additional Card Member is not
liable to us for any Charges they make to your Account using their
Additional Card. 
9. Charge Approval 
Unless we inform you of a spending limit, each Charge is approved
based on the expense level and credit history of all of your Accounts
established with us, our subsidiaries and affiliates and/or licensees,
as well as on your credit history with other financial institutions and
your personal resources and income known to us. We may at our
discretion decide and inform you of a credit limit applicable to your
Account which is the maximum amount which can be outstanding
at any time on your Account (including use by any Additional Card
Members).
You agree to manage your Account so that Charges billed to your
Account do not exceed any spending limit, where applicable. 
10. Card is Our Property 
Although you and any Additional Card Member use Card(s) on your
Account, all Card(s) remain our property at all times. You may be
asked to return the Card to us or anyone we ask to take it on our
behalf, including Merchants. We may also inform Merchants that your
Card is no longer valid. 
11. Payments 
Payments are due and payable to us on the date set out on your
monthly Statement, unless we notify you that it is due immediately.
Payments may be made by any of the methods set out in your
Statement. You must also comply with any instructions and
requirements regarding payments as set out in your Statement or
that we otherwise provide you.
Payments to your American Express Card Account must come from
a personal bank account in your name or if applicable, the name
of an Additional Card Member. Payments can also be made from a
joint bank account if you, the main Card Member, or an Additional
Card Member are one of the signatories. We may require additional
verification for any payment received from an unrecognised source
and we reserve our rights to suspend or cancel any Card Account in
breach of this requirement.
You must pay us in Australian Dollars. You must allow sufficient
time for us to receive your payment by the payment due date. Third
parties who send us or process your payment on your behalf are not
our agents and their receipt of a payment will not be treated as the
time we receive your payment. We are not responsible for any delays
in receiving payments and you must pay any charges which may
apply. If you choose to pay by direct debit, you agree that any specific
terms that we provide to you at enrolment will apply and form part of
this Agreement.
If we process a late payment, a partial payment or a payment marked
with any restrictive language (such as in full or final settlement),
that will have no effect on our rights (e.g. to recover the full balance
owing) and will not change this Agreement.
If we credit your Account with a payment, we reserve the right to
reverse the payment if it is returned or dishonoured for any reason.

THE AMERICAN EXPRESS PLATINUM CARD 8 Card Member Agreement 
If you do not make your payment as required or if there is a
dishonoured payment, we may consider your Account in default
under the 'Default' section of this Agreement. 
12. Allocation of Your Payments 
We will normally apply payments to your Account in the following
order:
•   first, to applicable delinquency charges, cash withdrawals, linked
credit account minimum dues, if any, and purchases, in that order;
•   second, to annual Card Membership fees;
•   third, to other fees charged by us that appear as a separate item
on your monthly Statement, for example, Statement reprint; and
•   fourth, to charges, other than those above, that have appeared on
a monthly Statement. 
13. Payments to Third Parties 
If your Account application was obtained from a third party, such as a
Merchant or sales agent, or if your Account or the Card is co-branded
with another business, we may pay compensation to them although
the amount of compensation may be unascertainable at this time. 
14. Charges Made in Foreign Currencies 
For each Charge submitted to us in a currency other than Australian
Dollars (a Foreign Charge), on the day we process the Foreign Charge
we will:
•   convert it to US Dollars first (unless it was submitted to us in US
Dollars);
•   convert the US Dollar amount into Australian Dollars; and
•   apply a single non-refundable currency conversion fee to the
Australian Dollar amount of the Foreign Charge.
We use exchange rates from customary industry sources, or a
specific rate if required by law. We use the exchange rate from the
weekday prior to the day we process the foreign charge (or two
weekdays prior for Foreign Charges processed on 1 January and 25
December). The exchange rate we use may be higher or lower than
the exchange rate available on the day you made the Foreign Charge,
and exchange rate fluctuations can be significant.
When making a Charge in a foreign currency you may have the choice
to allow a third party to convert the Charge into Australian Dollars at
the point of sale. If you choose this option, then that third party will:
•   determine the exchange rate and any commission or fees payable
for the currency conversion; and
•   submit that Charge to us in Australian Dollars, meaning we will not
convert the Charge or apply a currency conversion fee.
You acknowledge that any refund of a Foreign Charge may be
different to the Foreign Charge amount originally processed on your
Account. The difference is generally because:
•   the refund and the Foreign Charge may be processed on different
days with different rates;
•   we do not apply any currency conversion commission fee to
refunds of Foreign Charges; or
•   where third parties convert Charges in foreign currencies, those
third parties may treat refunds differently to the original foreign
currency Charge.

9 Card Member Agreement 
15. Additional Card Members 
At your request, we may issue an Additional Card on your Account to
another person.
We may limit the number of Additional Cards issued on your Account.
We generally do not provide copies of agreements, Statements,
notices and other communications to an Additional Card Member.
You acknowledge that we may provide information to an Additional
Card Member about their use of the Account (for example their
Charges) in accordance with the Card Member Privacy Statement.
Please see the 'Liability' section of this Agreement regarding the
liability of an Additional Card Member for Charges made by that
Additional Card Member. You agree and are responsible to ensure
that each Additional Card Member reads, understands and complies
with this Agreement, including the Financial Table and any notices
and other communications that we may send to you.
To cancel an Additional Card, please see the 'Default/Closing Your
Account' section of this Agreement. 
Additional Card Member Communications 
You acknowledge that from time to time, we may be required to
contact any Additional Card Member(s) on your Account directly. We
may do this to comply with our legal obligations which may include
verifying the Additional Card Member’s identity and information.
You agree that you have advised your Additional Card Members that
American Express may contact them directly, and that you have
provided them access to our Card Member Privacy Statement.
We may request additional documentation from any Additional Card
Member(s). If the requested documentation is not provided, or if we
do not receive a response, we may cancel the Additional Card. You will
be informed of any such cancellation decision.
You also acknowledge that we may provide information to an
Additional Card Member about their use of the Account (for
example their charges) in accordance with the Card Member Privacy
Statement. 
16. Use of ATMs 
The Express Cash™ Program is governed by one or more agreements
separate from these conditions. 
17. Recurring Charges 
You or an Additional Card Member may authorise a Merchant to
bill your Account at regular intervals for goods or services (called
Recurring Charges). Here are some important things that you need to
know about Recurring Charges and your Account. 
Replacement Cards and Cancelled Cards 
A replacement or new Card (called a Replacement Card) may
be issued to you if your Card is lost, stolen, damaged, cancelled,
renewed or switched to a different Card type. Your Card may also be
cancelled or no further Charges permitted without a Replacement
Card being issued (called a Cancelled Card). 
In order to avoid potential disruption of Recurring Charges
and the provision of goods or services by the Merchant in the
case of a Replacement Card or Cancelled Card, it is always your
responsibility to contact the Merchant and provide Replacement
Card information or make alternative payment arrangements. 
You agree to be responsible for any Recurring Charges that may
continue to be charged to your Account from a Card that has been
replaced or cancelled. Recurring Charges may be automatically
charged to a Replacement Card without notice to you.

THE AMERICAN EXPRESS PLATINUM CARD 10 Card Member Agreement 
Please note that we do not normally provide Replacement Card
information (such as Card number and Card expiry date) to the
Merchant. 
Stopping Recurring Charges 
To stop Recurring Charges being billed to your Account, you must
have the right to do so by law or under your arrangement with the
Merchant and you must advise the Merchant in writing or in another
way permitted by the Merchant, to stop billing Charges to your
Account. 
Our Enrolment Services 
If we permit, you or an Additional Card Member may authorise us or
our agent to enrol you with a Merchant for Recurring Charges. You
will remain responsible to make other payment arrangements until
the Recurring Charges begin to be applied to your Account. We are
not responsible for any failure to enrol your Account for Recurring
Charges or if the Merchant fails to charge your Account. The
paragraph 'Stopping Recurring Charges' above also applies if you or
an Additional Card Member uses our enrolment services. 
18. Authorisation 
We may require Charges to be authorised by us before they are
accepted by a Merchant. We may refuse any request for authorisation
of a Charge on reasonable grounds, including for example and
without limitation where the value of Charge exceeds the available
credit balance (where applicable), where we suspect the Charge is
fraudulent, is subject to Australian or United States sanctions or does
not comply with this Agreement, or where we reasonably believe that
you may be unable to fulfil your obligations under this Agreement. 
19. Renewal and Replacement Cards 
You authorise us to send you and any Additional Card Members
a renewal Card or a Replacement Card before the current Card
expires. You must destroy any expired Cards in accordance with the
instructions we provide you. This Agreement as amended or replaced
continues to apply to any renewal or Replacement Cards we issue. 
20. Privacy 
The collection, use and disclosure of your information by us is
regulated by the   Privacy   Act   1988   (Cth). We collect, use and share
your personal information in accordance with our American
Express Card Member Privacy Statement, which provides you with
information about:
•   the collection, use and disclosure of your credit information and
personal information;
•   how you can access and seek to correct your personal information
and credit information;
•   how you can opt out from our marketing lists; and
•   more details on our Online Privacy Statement and Credit
Reporting Policy.
A full copy of our Card Member Privacy Statement is provided at the
end of this Agreement. By providing your personal information to us
and using your Account, you agree to the terms of our Card Member
Privacy Statement. 
21. Additional Services 
We may make available additional services or benefits which will be
subject to separate terms and conditions. Examples of services or
benefits include insurance, assistance services, rewards programs
and Merchant offers.

11 Card Member Agreement 
23. Changes to the Agreement, Card, Fees or Benefits 
We may change your Card, including any fees, commissions or
benefits or any provision of this Agreement, including to:
•   change the circumstances in which any of the fees, liquidated
damages or the currency conversion commission on your Account
are charged and the amount of those fees or commissions;
•   impose, remove or adjust a daily or other periodic transaction limit
applying to the use of a Card, an Account or electronic equipment;
•   change your liability for losses relating to unauthorised Charges
(provided the change is consistent with the ePayments Code);
•   change benefits and services associated with the Account; and
•   we may change any other provision of this Agreement.
We will give you at least 30 days’ advance written notice when we
make such changes, except where the change reduces what you
have to pay (or is otherwise in your favour) or the change happens
automatically under the contract. If you are dissatisfied with any
change, you may cancel this Agreement and may be entitled to a
pro rata refund, where you contact us as set out under the ‘Default/
Closing Your Account’ section of this Agreement. 
24. Assignment Transfer by Us 
We may assign any of our rights under this Agreement. We may also
transfer our obligations under this Agreement to any third party
provided we are satisfied that there will be no detriment to you in the
transfer.
You agree that we may disclose any information or documents we
consider necessary to help us exercise any of these rights.
We may receive compensation from additional service providers and
our compensation may vary by provider and product. Your Account
will be charged for any fees or premiums that may apply for services
and benefits.
Services and benefits that are provided by third parties are subject to
the terms and conditions set by the third party and any dispute must
be settled directly with the third party. Services and benefits may be
changed or cancelled with or without notice. We are not responsible
for any service or benefit not directly provided by us.
If your Account is closed, it will be your responsibility to obtain
replacement services and benefits or make new payment
arrangements with the third party if the service is still available. 
22. Insurance 
We identify insurance providers and products that may be of interest
to some of our customers. In this role, we do not act as an agent or
fiduciary for you and we may act on behalf of the insurance provider,
as permitted by law. We receive compensation from insurance
providers and our compensation may vary by provider and product.
Also, in some cases, an entity that is affiliated with us may be the
insurer or reinsurer and may earn insurance or reinsurance income.
The arrangements we have with certain providers, including the
potential to reinsure products, may also influence what products we
identify.
We do not require you to purchase any insurance product, and you
may choose to cover your insurance needs from other sources on
terms they may make available.

THE AMERICAN EXPRESS PLATINUM CARD 12 Card Member Agreement 
The inclusion of previously billed Charges and/or any portion of
dishonoured payments shown on a statement will not constitute a
waiver by us of any default.
In the event of any default, you will also be responsible for all
reasonable costs incurred by us or our agents including collection,
collection agency, and legal adviser fees and costs, in recovering any
amounts unpaid and in protecting ourselves from any harm we may
suffer as a result of the default. 
You May Close Your Account 
You may cancel this Agreement at any time by paying off all amounts
owing on your Account, destroying all Cards issued on your Account,
stopping use of your Account and requesting the closure of your
Account. We will only close your Account when you have paid off
all amounts you owe us. All fees continue to accrue if outstanding
balances exist on a Cancelled Card. You can cancel an Additional Card
Member’s Card by informing us. 
Pro Rata Fee Refund 
You may be entitled to a pro rata refund of your Annual Card
Fee if you contact us to end your Agreement in the following
circumstances:
•   you cancel this Agreement because we have made a materially
detrimental change to your Card under the ‘Changes to the
Agreement, Card, Fees or Benefits’ section of this Agreement and
you contact us about this change within 30 days of being notified;
•   or you cancel this Agreement for any reason within 30 days of the
Card Annual Fee being charged.
The amount of any pro rata refund will be assessed having regard
to when you cancel your Agreement and the Card benefits you have
used in the current period. 
Transfer by you 
Your rights under this Agreement are personal to you and may not be
assigned without our written consent. 
25. Severability 
If any provision of this Agreement conflicts with any applicable law
or regulation, that provision will be deemed to be modified or deleted
so as to be consistent with law or regulation. This will not affect the
parties’ obligations which will continue as amended. 
26. Suspension 
We may on reasonable grounds immediately stop you or any
Additional Card Member from using the Card or we may refuse to
authorise a Charge. For example, we may do so where the available
spending balance has been exceeded, or where we suspect that a
Charge is fraudulent, or does not comply with law or this Agreement,
or where we reasonably believe that you will be unable to comply with
your obligations under this Agreement. We will notify you as soon
as reasonably practicable of such a suspension. This Agreement
will continue if we take either of these actions and you will still be
responsible for all Charges on your Account. 
27. Default/Closing Your Account 
We may treat your Account as being in default at any time in the
event that you fail to comply with your obligations under this
Agreement, such as failure to make any payment when it is due or if
any form of payment is returned or not honoured in full.
We may also consider your Account to be in default at any time if any
statement made by you to us in connection with your Account was
false or misleading, you breach any other agreement that you may
have with us or with any of our affiliates, or if bankruptcy or other
creditor proceedings are threatened or initiated against you.

13 Card Member Agreement 
We May Close Your Account or Cancel Any Card 
We can immediately end this Agreement or cancel any or all Card(s)
or other loans if:
•   you are in default at any time;
•   we suspect any illegal use of the Card;
•   we are required to do so by law; or
•   we have reason to believe that you may no longer be creditworthy.
We may also terminate this Agreement at any time with 30 days’
notice.
If we take such action, you will still be obligated to pay all amounts
owing on your Account.
If we end this Agreement, you must pay all money you owe us
immediately, including unbilled Charges that may not be shown on
your last statement. We will only close your Account when you have
paid off all amounts you owe us.
If your Card is cancelled for any reason, all other Cards issued on this
Account will be cancelled at the same time. If we cancel this Account,
we may also have rights to cancel other Accounts you hold with us.
You will continue to be responsible for all Charges made using your
Account, including Recurring Charges until your Account is no longer
used and any Recurring Charges are stopped. 
28. Communicating With You 
We will contact you from time to time to manage and administer your
Account and the benefits and services on it. We may contact you in
a variety of ways depending upon which contact details you have
provided to us (for example, we may send a text to your mobile phone
number or an email to your email address). We may also contact you
online through our online sites and services (for example, within your
profile on our website or one of our mobile applications). We may
send you notices (including notices or information we are required or
choose to send you, including about changes to this Agreement) on
or together with your statements.
We may also send you marketing communications from time to
time, such as offers and promotions. We may use your personal
information for this purpose but always in accordance with our
Card Member Privacy Statement. You can opt out of marketing
communications at any time by contacting us. It is your responsibility
to keep your contact details up to date at all times. You must
inform us immediately if there are any changes to your mailing
address or email address to which we send statements or other
communications. We are not responsible if you do not receive any
communication from us (such as a statement or an account alert)
because you failed to keep your contact details updated. 
29. No Waiver of Our Rights 
If we fail to exercise any of our rights under this Agreement, this will
not be a waiver of our rights and will not prevent us from exercising
them later. 
30. Complaints and Problems With Goods or Services
Purchased 
If you have a complaint or problem with a Merchant or any goods and
services Charged to your Account, you must still pay all Charges on
your Account and settle the dispute directly with the Merchant. 
31. Assignment of Claims 
Although we may have no obligation to do so, if we credit your
Account in relation to your claim against a third party such as a
Merchant, you are automatically deemed to have assigned and
transferred to us, any rights and claims (excluding tort claims)

THE AMERICAN EXPRESS PLATINUM CARD 14 Card Member Agreement 
that you have, had or may have against any third party for an
amount equal to the amount we credited to your Account. After we
credit your Account, you agree not to pursue any claim against or
reimbursement from any third party for the amount that we credited
to your Account. You also agree to cooperate with us if we decide to
pursue a third party for the amount credited. Cooperation includes
signing any documents and providing any information that we
require. Crediting your Account on any occasion does not obligate us
to do so again. 
32. Examples 
When   we   provide   examples   in   this   Agreement,   they   do   not   limit   the 
provisions   of   this   Agreement.   The   terms   'includes', 'such as'   and   'for
example'   mean,   respectively,   'includes without limitation', 'such as but
without limitation'   and   'for example but without limitation'. 
33. Governing Law 
This Agreement is governed by the laws of the State or Territory of
Australia as stated on your billing address or if your billing address
is overseas, as stated on your last known Australian billing address
and the courts of that State or Territory shall have jurisdiction over all
parties to the Agreement. 
34. Taxes, Duties and Exchange Control 
You must pay any government tax, duty or other amount imposed
by law in any country in respect of the Account, any Charge on your
Account or any use of the Account by you. 
35. Limitation of Our Liability 
We are not responsible or liable to you or any Additional Card
Member for:
•   any refusal, delay or failure by a Merchant to accept American
Express Cards or your Card;
•   declining an attempted Charge;
•   goods and services you Charge to your Account, including any
dispute with a Merchant about goods and services charged to your
Account; and
•   except in relation to our liability as set out in the ePayments Code,
damages regardless of how they arise, including loss of profits
or any incidental, indirect, consequential, punitive or special
damages.
If any warranties or conditions are implied under the   Australian 
Securities   and   Investments Commission   Act   2001   (Cth) or any similar
law in respect of goods or services supplied under this Agreement or
in connection with your Account, then our liability for a breach of any
such warranty or condition is limited to:
•   in the case of goods, the replacement cost of the goods, the supply
of equivalent goods, the repair of the goods, or the cost of having
the goods repaired; and
•   in the case of services, the supplying of the services again, or the
payment of the cost of having the services supplied again. 
36. Complaints
What You Should Do? 
If calling within Australia, you can call us 24 hours a day on 1300 736
659. If overseas, call us collect (reverse charges) to Australia on
+61 2 9271 3760. If the problem cannot be resolved immediately
to your and our satisfaction, we will advise you in writing of our
procedures for investigation and resolution of the complaint.

15 Card Member Agreement 
If we find that an error was made, we will make the appropriate
adjustments to your Account, including fees or charges (if any) and
will advise you in writing of the amount of the adjustment.
When we advise you of the outcome of our investigations, we will:
•   give you reasons in writing for our decisions by reference to this
Agreement and, where it applies, the ePayments Code; and
•   advise you in writing of any adjustments we have made to your
Account.
If we decide that you are liable for all or any part of a loss arising out
of unauthorised Charges on your Account, we will:
•   give you copies of any documents or other evidence we relied
upon; and
•   advise you whether or not there was any system or equipment
malfunction at the time of the transaction.
If we fail to carry out these procedures or cause unreasonable
delay, we may be liable for part or the entire amount of the disputed
transaction where our failure or delay has prejudiced the outcome of
the investigation. 
If You Are Not Satisfied 
If you are not satisfied with the outcome of our investigation, you
may pursue your complaint with the Australian Financial Complaints
Authority (AFCA). You can contact AFCA on 1800 931 678, at 
www.afca.org.au   or write to them at:
Australian Financial Complaints Authority
GPO Box 3,
Melbourne VIC 3001
You also agree that, when requested, you shall provide all the
reasonable assistance and relevant information, including written
statements, to us and/or the police in relation to your claim of
unauthorised Charges.
By reporting the existence of unauthorised Charges, you agree to
allow us to release any information that you have provided which is
subject of an investigation of unauthorised Charges to the police and
any other investigative or statutory authority. 
Our Dispute Resolution Procedures for Unauthorised
Electronic Charges 
Where the dispute relates to an Electronic Charge, the following
dispute resolution procedures apply.
If we are unable to settle your dispute immediately to your
satisfaction, we will advise you in writing of the procedures for further
investigation and resolution and we may request further relevant
details from you.
Within 21 days of receiving these further relevant details from you,
we will:
•   advise you in writing of the results of our investigation; or
•   advise you in writing that we require further time to complete our
investigation.
Where an investigation continues beyond 45 days, we will inform you
of the reasons for the delay and provide you with monthly updates
on the progress of the investigation and a date when a decision can
reasonably be expected, except in cases where we are waiting for a
response from you and you have been advised that we require such
a response.

THE AMERICAN EXPRESS PLATINUM CARD 16 Card Member Agreement 
AMERICAN EXPRESS AUSTRALIA LIMITED CARD MEMBER
PRIVACY STATEMENT 
Effective April 2026
About American Express
American Express Australia Limited holds an Australian Credit
Licence number 291313.
You can contact American Express in the following ways:
Mail: American Express Australia Limited
GPO Box 1582
SYDNEY NSW 2001
Telephone: 1300 132 639 (in Australia) or +61 2 9271 8664 (if
overseas).
This Card Member Privacy Statement describes how American
Express collects, uses, shares, and keeps your credit information
and personal information in accordance with the Privacy Act and the
Australian Privacy Principles. If you do not agree to our use of your
credit information and personal information in this way, we may be
unable to provide our products and services to you.
In addition to this Card Member Privacy Statement, we also have
more speci fi c information available regarding how we handle your: 
•   Online information . Please see our Online Privacy Statement,
which describes how we handle information we collect about you
from your use or access of American Express websites, online
applications and any of our online services or content. Our Online
Privacy Statement is available at: americanexpress.com.au/privacy 
•   Credit reporting information . Please see our Credit reporting policy
for further detail about when, how and why we access Credit Reports
about you, which credit reporting bodies American Express is likely
to disclose your credit information, and how you may complain
about a failure by American Express to comply with the Privacy
Act and how American Express will deal with a complaint. Our
Credit Reporting policy is available at: americanexpress.com.au/
creditinfo 
Additional Privacy notices and statements 
Generally, we will give you more speci fi c details about how we will
use your personal information in relation to a particular American
Express product or service around the time when you apply for it.
At the bottom of this statement, we explain how we use arti fi cial
intelligence (AI), automated decision-making systems, analytical
tools and predictive models (including statistical and machine
learning models) in our business. 
Collection, use and sharing of credit information by American
Express 
American Express may obtain both consumer and commercial
credit reports about you from a credit reporting body. We will use
this information along with other information we hold about you,
including online information (see above), for purposes including:
•   assessing your credit worthiness.
•   assessing your application.
•   collecting overdue payments.
•   American Express’ internal management purposes relating to the
provision or management of consumer credit or commercial credit
as relevant.
•   helping you to avoid defaulting on your obligations with American
Express.
•   to determine if you’re ineligible for certain marketing offers from us.
•   for any other use in connection with your account as permitted
under the Privacy Act 1988.

17 Card Member Agreement 
American Express may disclose information about you to credit
reporting bodies before, during or after credit is provided to you. This
includes:
•   that you have applied for a Card, including the Account credit limit.
•   that American Express is a credit provider to you, including the
type of credit, Account opening and closing dates, and credit limit.
•   24 months of repayment history on your Card Account.
•   default information related to payments that are at least 60 days
overdue (and advice that overdue payments have been paid in full).
•   if you have entered into a   fi nancial hardship arrangement with
us, we are required to tell credit reporting bodies that you have
entered into that arrangement.
•   that you have committed a serious credit infringement.
•   that you have made a request to correct your personal
information.
•   any other information as permitted under the Privacy Act 1988.
American Express may exchange information about you with credit
providers named in your application or in a credit report issued by a
credit reporting body. Among other things, this is to:
•   assess your credit worthiness, this application, and any
subsequent application for credit.
•   notify other credit providers of a default by you.
•   exchange information about your Account when you are in default
with other credit providers.
•   complete any approval process for any transactions you wish to
make on your Account.
•   administer your Card Account.
•   notify that you have made a request to correct your Account.
American Express may also exchange credit information about you
with any person considering whether to act as a guarantor in relation
to this and future applications by you for credit.
For more information about how we use credit information, see our
Credit Reporting Policy at americanexpress.com.au/creditinfo. 
How we collect your personal information 
Generally, if you are applying for a Card Account we collect your
personal details such as name, date of birth and address, details
about your employment,   fi nancial circumstances, and other
information relevant to your Card Account.
American Express collects information about you in a number of
ways, including:
•   directly from you, such as in your credit application or when you
enter one of our competitions or promotions.
•   from your use of our products and services, such as when you
make a purchase using your Card Account.
•   from your use of or access to American Express websites, mobile
applications any of our other online services or products (such as
your IP Address and location, device type and browser version)
(‘Online Information’) – For more information about how we collect
and   use   Online Information see our Online Privacy Statement
at americanexpress.com.au/privacy.

THE AMERICAN EXPRESS PLATINUM CARD 18 Card Member Agreement 
•   from credit reporting bodies, as described above for credit
information or for identity veri fi cation.
•   from people or companies named in your credit application (for
example your employer).
•   from other information providers and sources that we may
contact to verify your identity and   fi nancial information (such
as, data aggregators, companies that process or administer
your superannuation contributions, payroll providers,   fi nancial
institutions and government bodies and agencies).
We and our service providers may collect or use your biometric
information, such as your image, to verify your identity with your
express consent. We and our service providers will collect and use
such biometric information lawfully and will only store such data for
so long as is strictly necessary to verify your identity. All biometric
information will be deleted by no later than within 12 months of
collection. 
How we use your personal information 
We may use the information we collect about you (including online
information) on its own or combine it with other information to:
•   deliver products and services, including: 
-   for the same purposes as for credit information listed above. 
-   issuing your Card. 
-   verify your identify when you contact us. 
-   manage your Card Account and your transactions. 
-   tell you about new features, bene fi ts and updates to your
Accounts, products, and services.
•   advertise and market our products and services – and those of our
business partners – including to: 
-   send or provide you with marketing, promotions and offers. 
-   analyse whether our marketing, promotions and offers are
effective. 
-   help us determine whether you may be interested in new products
or services.
•   conduct research and analysis, including to: 
-   better understand our customers - allow you to rate and review
our products and services. 
-   produce data analytics, statistical research, and reports. 
-   review and improve our products and services and make them
easier to use. 
-   develop new products and services.
•   manage fraud, security, and credit risks, including to: 
-   detect and prevent fraud or criminal activity. 
-   safeguard the security of your information. 
-   assess your credit worthiness and make decisions about whether
or not to approve your application for credit. 
-   to manage your existing Accounts and credit limits.
•   verify your identify and your   fi nancial details, including to: 
-   verify your income. 
-   verify your identity and your identi fi cation documents.
•   use it in other ways as required or permitted by law or with your
consent. 
When we might share your personal information 
We do not share personal information with anyone except as
described below. We only share personal information as required or as
permitted by law as follows:

19 Card Member Agreement 
•   people you authorise to use or access your Account (for example,
additional Card Members).
•   with credit reporting bodies, for the same purposes as for credit
information listed above.
•   the provider of any payment service you use to make payments to
American Express.
•   with regulatory authorities, courts, and governmental agencies to
check your identity, comply with legal orders, legal or regulatory
requirements, and government requests and to detect and prevent
fraud or criminal activity, and to protect the rights of American
Express or others.
•   within the American Express Family of Companies.
•   with government agencies (such as official record holders or
document issuers) to verify your identity.
•   with other information providers and sources (such as, data
aggregators, companies that process or administer your
superannuation contributions, payroll providers, and   fi nancial
institutions) that we may contact to verify your identity and 
fi nancial information.
•   with service providers who perform services for us and help us
operate our business (for example, card manufacturers, collection
agents, mail houses, and reward redemption partners). We require
service providers to safeguard personal information and only use
your personal information for the purposes we specify.
•   share and exchange information with business partners and
co-brand partners with whom we jointly offer or develop products
and services for marketing, planning, product development
and research purposes (but they may not use your personal
information - in particular your email address - to independently
market their own products or services to you unless you provide
your consent).
•   with third parties in the context of a sale of all or part of the
American Express Family of Companies or their assets.
•   any other purpose you have consented to. 
Aggregated and de-identified information 
Aggregated or de-identi fi ed Information is not personal information
and does not identify you individually; however, it may be derived
from personal information. It helps us to analyse patterns among
groups of people. We may share aggregated or de-identi fi ed
information in several ways, for example:
for the same reasons as we might share personal information
•   with any business partners to help develop and market programs,
products or services and present targeted content and marketing.
•   with Business Partners to conduct analysis and research about
customers. 
Recording phone calls 
American Express may also monitor and record your telephone
conversations with us for staff training and service quality control
purposes.

THE AMERICAN EXPRESS PLATINUM CARD 20 Card Member Agreement 
Direct marketing 
From time to time, American Express, its agents and business
partners (including insurance companies) will send you and any
additional Card Members information about products, services,
offers and other promotions on offer from American Express or
jointly with its business partner. These communications may be
sent electronically (for example by email, mobile message or push
noti fi cation), by phone or by post. You can opt-out from receiving
direct marketing at any time by calling 1300 132 639. You can also
adjust your communication preferences using our online preferences
or opt-out of email marketing by clicking ‘unsubscribe’ in the footer
of our emails. This will continue until you opt-out or until twelve
months after you cease being an American Express Card member. 
Transfer of your personal information and credit information
overseas 
American Express is a global organisation and we may use
international entities to help our business functions. As a result,
American Express may need to share your information outside of
Australia. It is impracticable for American Express to list out each
and every country that we may share your information to, but such
countries include the United States of America, Malaysia, India, and
the United Kingdom. We will ensure that any transfer of your personal
information is subject to appropriate conditions of con fi dentiality to
ensure your information is handled consistently with the Australian
Privacy Principles. 
How we store your personal information 
American Express stores personal information in a combination of
secure computer storage facilities and paper-based   fi les and other
records. We have taken a number of steps to protect the personal
information we hold from misuse, loss, and unauthorised access,
modi fi cation, or disclosure. We use generally accepted technology
and security so that we are satis fi ed that your information is
transmitted safely to us through the internet or other electronic
means. We will take reasonable steps to securely destroy or
permanently de-identify personal information when we no longer
need it. 
Information about other persons 
If you provide personal information about someone else to
American Express, you must make sure that the individual has seen,
understood, and agreed to:
•   their personal information being collected, used, and disclosed by
American Express in accordance with this notice.
•   their ability to access that information in accordance with the
Privacy Act 1988 and to advise American Express if they think the
information is inaccurate, incomplete or out-of-date.
•   the contact details of the American Express Privacy Officer. 
Our Privacy Policy 
For more information about how American Express Australia
manages personal information, please see the American Express
Privacy Policy.

21 Card Member Agreement 
Complaints, access, and corrections 
We endeavour to provide you reasonable access to the personal
information we hold about you where it is legal, reasonable, and
feasible for us to do so. There is no fee to request access to your
personal information, however we may charge a fee to collate and
provide your personal information with your consent.
If you think any of the information, we hold about you is inaccurate,
incomplete, or out- of-date, you can ask us to update it or correct it.
To request access to your personal information, request a correction
or make an complaint, please contact us via chat or call us on 1300
132 639 or write to:
The Privacy Officer,
American Express Australia Limited,
GPO Box 1582,
Sydney, NSW 2001
In the event we refuse to give you access to your personal
information, or do not consider that your information needs
correcting we will provide you a written explanation of our decision
and your options of review. You may ask us to include a statement
alongside your personal information which says that you think your
personal information is inaccurate, incomplete, misleading, or out of
date.
Where you make a complaint, we will con fi rm in writing that it has
been received by us within seven days. We endeavour to resolve your
complaint within 30 days and where we are unable to, we will contact
you to explain why and request more time.
Where you are unsatis fi ed with the way we have handled your
complaint, you may escalate your complaint to the Australian
Financial Complaints Authority (AFCA) who facilitates a free dispute
resolution service. AFCA will generally ask if you have tried to resolve
the issue with us   fi rst. You may contact AFCA on 1800 931 678,
through www.afca.org.au or at GPO Box 3, Melbourne VIC 3001. 
Artificial Intelligence and Automated Decision Making 
We use artificial intelligence (AI), automated decision-making
systems, analytical tools, and predictive models (including
statistical and machine learning models) (“ADM Systems”) to assist
with certain decisions and to support the delivery, security and
management of our products and services.
Our ADM systems analyse patterns and relationships in
data to generate risk scores, classi fi cations, predictions, or
recommendations. These systems help us assess the likelihood of
certain outcomes (such as credit risk or potential fraud) based on
patterns identi fi ed in personal information.
Some of our decisions are made solely by ADM Systems, while others
are supported or informed by ADM Systems and are reviewed or
con fi rmed by our staff.
Our ADM Systems may operate at different stages of your
relationship with us, including when you apply for a product, during
the ongoing management of your account, and in connection with
fraud prevention, risk management, and marketing activities.
We use ADM Systems where it is reasonably necessary to provide our
products and services, to support our legitimate business activities
(such as risk management and fraud prevention), or where otherwise
permitted by law.

THE AMERICAN EXPRESS PLATINUM CARD 22 Card Member Agreement 
Decisions we make using ADM Systems 
We use ADM Systems in connection with:
•   assessing eligibility and applications for Cards and other   fi nancial
products (for example, assessing the likelihood that you may be
able to meet your repayment obligations).
•   setting and adjusting credit limits (for example, based on your 
fi nancial circumstances, account activity and repayment history).
•   assessing creditworthiness and   fi nancial risk.
•   ongoing account monitoring and management, including spending
capacity and risk management.
•   detecting, preventing, monitoring, and managing fraud, scams,
and suspicious transactions, including in real-time (for example,
identifying unusual transactions or behaviours that may indicate
fraud).
•   identity veri fi cation and authentication.
•   providing customer service and support; and,
•   personalising or determining eligibility for certain bene fi ts, offers
and promotions.
Some decisions made using ADM Systems may have a signi fi cant
impact on you. For example, the decision may affect your ability
to access or use our products or services, meaning you may not
have access to credit. This may include refusing or approving an
application, setting, or adjusting your credit limit, restricting, or
declining transactions, suspending, or limiting account functionality,
or determining whether you are eligible for certain products or offers. 
Types of personal information used by ADM Systems 
The personal information used in our ADM Systems may include:
•   application information (such as income, employment, and
financial details).
•   credit reporting information, including credit history, repayment
information, and credit scores.
•   account and transaction information.
•   identification and contact information.
•   device, network, and behavioural information (such as IP address
or indicators of unusual activity); and,
•   information obtained from third parties, such as credit reporting
bodies or service providers, where permitted by law.
We may also combine information from different sources to improve
the accuracy and reliability of our assessments. 
How ADM Systems are used in decision-making 
Depending on the type of decision, decisions may be made solely by
an ADM System or substantially using an ADM System (with human
involvement). Some decisions are made using ADM Systems without
mandatory human review. This may include:
•   automated approvals or declines of applications for products or
services.
•   identifying transactions or activity that may be fraudulent or
suspicious; and,
•   determining eligibility for certain offers, benefits, or promotions.

23 Card Member Agreement 
In these cases, model outputs are applied using predefined rules,
thresholds, or criteria.
In other cases, ADM Systems are used to generate scores, alerts or
recommendations that are considered by our staff when making a
decision. This may include decisions relating to credit limits, account
management, or risk monitoring. In these cases, our staff may
review available information and may override or adjust outcomes
generated by ADM Systems where appropriate. 
Real-time decisions 
For certain decisions, particularly those made in real time (such as
fraud, security, or risk controls), it may not be possible for a decision
to be reviewed by a human before it takes effect. 
Further information 
If you have questions about how we use ADM Systems, or about a
decision that has been made using these systems, you may contact
us to request further information. We will take reasonable steps to
provide additional information where appropriate. 
Governance and safeguards 
We do not disclose proprietary algorithms or technical details about
our ADM Systems. However, we take reasonable steps to ensure our
ADM Systems are appropriately designed, tested, monitored, and
governed.
We maintain governance and risk management processes for ADM
Systems, which may include:
•   model risk management and oversight.
•   ongoing monitoring, testing, and validation.
•   processes designed to identify and mitigate potential bias or
unintended impacts.
•   controls designed to assess accuracy, reliability, and appropriate
use.
•   data minimisation, access controls, and security measures; and,
•   oversight of third party or vendor provided models, including
contractual and governance safeguards. 
FINANCIAL SERVICES GUIDE 
This Financial Services Guide is issued by:
American Express Australia Limited (ABN 92 108 952 085)
Australian Financial Services Licence No. 291313. 
Definitions 
Throughout this document the following words have special
meanings:
•   ‘ American Express, we, us ’ means American Express Australia
Limited.
•   ‘ You’   means the person to whom this Financial Services Guide has
been provided. 
Welcome to American Express 
This Financial Services Guide (FSG) is designed to help you decide
whether to use the financial services we provide and explains:
•   the products and services we can offer you;
•   how we, and others, are remunerated for the services offered to
you; and
•   our internal and external complaints-handling procedures.

THE AMERICAN EXPRESS PLATINUM CARD 24 Card Member Agreement 
This FSG is one of a number of documents that our representatives
may supply to you when we provide financial services to you.
For certain financial products which we offer to you or about which
we give you financial product advice, we will give you a Product
Disclosure Statement (PDS) for that product. This PDS will assist
you in making an informed decision about a particular product and
contains a range of general information about the product being
offered, including:
•   the significant features and characteristics of the product;
•   the significant benefits and risks associated with holding the
product;
•   information about the cost of the product; and
•   information about any cooling-off rights applicable in relation to
the product. 
Customer Instructions 
Depending on the financial product or service that we supply to you,
you may provide us with instructions verbally, in writing, by facsimile
or by other electronic means.
We generally require your signature for verification. However,
depending on the product or service, special arrangements may
be in place to receive your instructions by facsimile, telephone
or electronically. Please refer to the relevant Product Disclosure
Statement for each particular financial product for further
information. 
Products and Services which American Express is Licensed to
Provide 
American Express holds an Australian Financial Services Licence.
This licence authorises American Express to deal in and provide
advice and services in relation to life risk and general insurance
products.
For each of these products, we can provide general financial advice.
Our general advice does not take into account your personal
objectives, financial situation or needs.
American Express generally does not provide personal financial
advice.
In addition, American Express also offers the following products
which do not meet the definition of a financial product under the 
Corporations   Act   2001   (Cth) :
•   Credit Cards, Charge Cards and lending products (personal and
business); and
•   Merchant transaction acquiring.
In relation to these services, you will not receive a Product Disclosure
Statement and certain other processes contained within this
document may not apply. 
American Express May Offer Products of Other Issuers 
If we sell to you products issued by other product issuers, we
generally act on behalf of that other product issuer.
American Express acts on behalf of other issuers when it sells life risk
insurance and general insurance (including travel insurance).

25 Card Member Agreement 
General insurance issued by
Chubb Insurance Australia
Limited ABN 23 001 642 020,
AFS Licence No. 239 687 
Up to 45% of the premium is
received from Chubb Insurance
Australia 
General insurance underwritten
by Allianz Australia Insurance
Limited ABN 15 000 122 850
AFS Licence No. 234 708 and
issued and managed by
AGA Assistance Australia Pty Ltd
ABN 52 097 227 177, AFS Licence
No. 245 631 as its agent 
Up to 40% of the premium is
received from AGA Assistance
Australia Pty Ltd 
Life insurance issued by MetLife
Insurance Limited ABN 75 004 274
882, AFS Licence No. 238 096 
Up to 35% of the premium is
received from MetLife insurance
Ltd 
Life insurance issued by
Zurich Australia Limited
ABN 92 000 010 195,
AFS Licence No. 232 510 
11% to 22% of the premium is
received from Zurich Australia
Limited 
SecureIdentity and Secure Plus
are provided by Secure Sentinel
Pty Ltd ABN 53 054 235 157 
Up to 60% of the premium is
received from Secure Sentinel
Pty Ltd 
What Remuneration Do We Receive for Providing the Financial
Services?
Third parties 
American Express may receive commissions and other remuneration
or benefits for selling financial products on behalf of third parties
or for successfully referring a customer of American Express or a
related company of American Express to a third party. Details of this
remuneration are set out below:
American Express identifies insurance providers and products that
may be of interest to some of our Card Members. In this role, we do
not act as an agent or fiduciary for you, and we may act on behalf
of the insurance provider, as permitted by law. We want you to be
aware that we receive commissions from providers and commissions
may vary by provider and product. Also, in some cases, an American
Express entity outside of the country may be the reinsurer and
may earn reinsurance income. The arrangements we have with
certain providers, including the potential to reinsure products, may
also influence what products we identify. We do not require you
to purchase any insurance product, and you may choose to cover
your insurance needs from other sources on terms they may make
available to you. 
Remuneration or Other Benefits Received by American
Express Team Members 
All American Express team members receive a salary. Some team
members may also receive commissions or other benefits in addition
to their salary. The payment of commissions or other benefits
generally arises where team members are engaged in roles which are
related to providing advice or selling a financial product or otherwise
affiliated with an area of American Express which is involved in the
selling of a financial product or service.
American Express team members may receive these commissions or
benefits in one or more of the following ways:
•   payments for reaching sales targets generated either by their own
sales or through the achievement of sales targets by their team or
business unit;
•   payments for each policy opened or for each service provided; and
•   payments based on the total value of products sold or volume of
sales transacted by an account opened by a team member.

THE AMERICAN EXPRESS PLATINUM CARD 26 Card Member Agreement 
Benefits are usually monetary but may also be non-monetary.
American Express pays monetary benefits directly to the eligible
team member. Non-monetary benefits may include, amongst
other things, shares, options, discounted (or prepaid) travel or
accommodation and gift vouchers. 
Payment of Benefits to Those Who Refer Customers to American
Express 
American Express may pay to related companies or external parties
who refer customers to American Express a commission or other
benefit. Such payments could be in the form of a one-off payment or
other benefit, or otherwise a payment calculated as a percentage of
the total amount of sales generated. 
Compensation Arrangements 
American Express has professional indemnity insurance and internal
procedures in place which satisfy the requirements under s912B of
the   Corporations   Act   2001   (Cth) ('the Act'). The insurance covers
losses incurred by individuals and small businesses arising out of
a breach by American Express of its obligations under Chapter 7
of the Act. This policy covers the professional services provided by
employees and representatives of American Express even where
that employee or representative has subsequently left the employ of
American Express. 
Telemarketing Companies 
We may authorise and pay telemarketing companies to provide
financial services on our behalf from time to time - including the
provision of general financial advice. For example, we may authorise
a telemarketing company to call you to tell you about insurance
products we offer or to speak to you when you call American Express.
When providing these services, the telemarketing companies act on
our behalf and not for you. The telemarketing companies may also
act on behalf of other licensees including our insurance providers. For
further details, please contact us. 
Payments to Telemarketing Companies 
You are not required to pay the telemarketing company for the
services they provide, whether you buy insurance from them or
not. All remuneration payable to telemarketing companies is paid
by American Express or the insurance provider. The telemarketing
company may be paid by way of a flat fee, a commission or
reimbursement of their expenses. 
Telemarketing Staff Incentives and Bonuses 
Sometimes, a telemarketing company's employees may receive a
bonus or incentive based on the employees' performance against
sales targets and other performance criteria. This may include
monetary bonuses or fringe benefits like gifts, vouchers, meals
or entertainment. These benefits are paid by the telemarketing
company and not by American Express. We monitor telemarketing
sales closely and take steps to ensure that the level of service
provided to you is not affected by such bonuses or incentives. 
Privacy and Personal Information 
American Express is proud of its reputation for, and commitment to,
safeguarding information about its customers. The American Express
Customer Privacy Principles have been in place for many years and
provide a minimum standard, which applies throughout the American
Express group of companies worldwide. In Australia, we adhere to the
National Privacy Principles and the   Privacy   Act1988   (Cth). A copy of
our Privacy Policy Statement is located on our website at
www.americanexpress.com.au/privacy or may be obtained by
contacting us.

27 Card Member Agreement 
Who Should You Contact if You Have a Complaint Regarding the
Provision of Financial Services by American Express? 
American Express is committed to customer satisfaction as part of
its service philosophy. American Express has established internal
procedures to resolve complaints, whilst also being a member of an
external dispute resolution scheme.
If you have a complaint about the provision of our financial services,
please take the following steps:
•   Please direct your complaints, in the first instance, to the point of
purchase. In the case of complaints regarding general insurance
(including travel insurance) or life risk insurance, please contact
the insurance company or their agent directly.
•   If your complaint is not satisfactorily resolved within twenty (20)
business days, please address your complaint in writing to:
The Complaints Manager - Charge Cards
American Express Australia Limited
GPO Box 1582
Sydney NSW 2001
American Express makes every endeavour to resolve complaints in
a prompt and fair manner, having regard to the law. If, however, you
continue to remain dissatisfied with American Express' decision,
you may seek to have your complaint considered by the Australian
Financial Complaints Authority (AFCA), free, fair and independent,
external dispute resolution scheme. Please note that AFCA will refer
you to American Express if you did not first raise your complaint with
us.
You may contact AFCA as follows:
Mail:
Australian Financial Complaints Authority Limited
GPO Box 3
Melbourne VIC 3001
Telephone:
1800 931 678
Interpreter Service:
131 450
Facsimile:
+61 3 9613 6399
Internet:
www.afca.org.au
The Australian Securities and Investments Commission also has an
lnfoline on 1300 300 630 which you may use to make a complaint
and obtain information about your rights. 
Contacting Us 
You can contact American Express in the following ways:
Mail:
American Express Australia Limited Charge Cards
GPO Box 1582
Sydney NSW 2001
Telephone:
1300 132 639

THE AMERICAN EXPRESS PLATINUM CARD 28 Card Member Agreement 
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29 Card Member Agreement 
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THE AMERICAN EXPRESS PLATINUM CARD 30 Card Member Agreement 
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AU115 07/26

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# Source: https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf

THE AMERICAN EXPRESS PLATINUM CARD i 
American Express® Platinum Card
Insurance
Terms and Conditions 
Effective 15th March 2022
American Express Australia Limited ABN 92 108 952 085. ® Registered Trademark of American Express Company.

ii THE AMERICAN EXPRESS PLATINUM CARD 
Contents
Terms And Conditions   1 
•   About this Policy   1
•   Cancelled or Suspended Cards   1
•   Termination   1
•   Remember To Check This Policy   1
•   Always Take Care When Travelling   1
•   Making A Claim   1
•   Changes To This Policy   1 
Important Things To Know About This Policy   1 
•   Excess   1
•   Pre-Existing Medical Conditions   3
•   Pregnancy & Travel Insurance Benefits   3
•   Exclusions Within This Policy   4
•   Age Limits   4
•   Excluded Sports And Activities   5
•   COVID-19   5
•   Travelling Against Medical or Government Advice   5
•   Return Trips Only   5
•   Loss Damage Waiver Cover for Rental Vehicles   5
•   Fraud   6
•   Australian Law   6
•   Australian Currency   6 
Chubb Assistance (In The Event Of An Emergency)   6
Eligibility For Cover Under This Policy   6 
•   Eligibility Table   7 
If You change Your American Express Card Account
product, or Your American Express Card Account is
Cancelled or Suspended   9
Coverage Summary   11
Schedule of Benefits   16
Definitions   20
Benefits   24 
•   Section (A) Trip Cancellation And Amendment Cover   24
•   Section (B) Card Account Balance Waiver Cover   27
•   Section (C) Personal Accident Cover   27
•   Section (D) Travel Inconvenience Cover   28
•   Section (E) Medical Emergency Expenses Cover   29
•   Section (F) Resumption Of Long International Trip Cover   30
•   Section (G) Personal Baggage, Valuables, Money
And Travel Documents Cover   31
•   Section (H) Personal Liability Cover   34
•   Section (I) Loss of Income Cover   35
•   Section (J) Hijack Cover   35
•   Section (K) Kidnap Cover   36
•   Section (L) Loss Damage Waiver Cover   36
•   Section (M) Card Purchase Cover   37
•   Section (N) Card Refund Cover   38
•   Section (O) Buyer’s Advantage Cover   38
•   Section (P) Smartphone Screen Cover   39
•   General Exclusions Applicable To Sections A–P above   40
•   General Conditions Applicable To All Sections   41 
Assistance Services   42 
•   Section (Q) Legal Assistance   42
•   Section (R) Roadside Assistance   42
•   Section (S) Home Assistance   43
•   General Terms And Conditions Applicable To Assistance
Services, Sections Q–S Above   44 
How To Make A Claim   44
General Information About This Policy   45
Privacy Statement   46 
•   Why We collect Your Personal Information   46
•   How We obtain Your Personal Information   46
•   When do We disclose Your Personal Information?   46
•   Exchanging Personal Information with American Express   46
•   Your decision to provide Your Personal Information   46
•   Access to and correction of Your Personal Information   46
•   How to Make a Complaint   46 
Complaints And Dispute Resolution Process   47
Financial Claims Scheme   47
General Insurance Code Of Practice   48
Sanctions   48

THE AMERICAN EXPRESS PLATINUM CARD 1 
Terms And Conditions
This Policy is effective from 15/03/2022 
American Express® Card Insurance Policy Number: 09NACPLT06 
Eligible American Express Card Products 
This Policy applies to the following American Express Card Account
product only:
(a) American Express Platinum Card. 
About this Policy 
This Policy sets out important information about the insurance benefits
available to Card Members, Additional Card Members, their Spouses
and Dependent Children. It explains the nature of the arrangements and
relevant benefits and risks. If You feel that this product does not meet Your
specific needs and intended coverage, this Policy may not be right for You.
You may need to buy separate or additional insurance if this Policy does
not cover You for all the things You need cover for.
This document provides general advice only. It does not take into account
Your individual objectives, financial situation or needs. You need to decide if
the limits, type and level of cover are appropriate for You.
There is no obligation to accept any of the benefits of this Policy. However,
if You wish to make a claim under the cover provided within this Policy,
You will be bound by the definitions, terms and conditions, exclusions and
claims procedures set out in this document.
This Policy offers 3 main types of benefit and services:
1. Travel insurance benefits
2. Retail item cover
3. Personal assistance services. 
Cancelled or Suspended Cards 
If your card is cancelled or suspended, you are not entitled to cover under
this Policy. It is your responsibility to make sure that your minimum
repayments are paid on time and that you comply with your American
Express Card Account terms and conditions. Refer to Your American
Express Card Account terms and conditions or please contact American
Express by calling the number on the back of your Card to obtain a copy. 
Termination 
Cover will be terminated at the earlier of the following:
• Your American Express Card Account is cancelled or suspended; or
• termination of the Group Policy.
Upon termination of the Group Policy, the insurance benefits will no longer
be available to Card Members after the termination date. If You have
satisfied the eligibility criteria prior to the termination of the Group Policy,
cover is still available with respect to the cover section(s) that You are
eligible for. American Express will always notify You in advance if the Group
Policy is to be terminated. 
Remember To Check This Policy 
It is important to check this Policy from time to time, particularly before
You travel to remind yourself of what is and isn’t covered. Some things
You might consider doing whilst travelling might not be covered (for
example, jet skiing, bungee jumping or hiring a scooter if You don’t have a
motorcycle licence).
You may need to buy separate or additional insurance if this Policy does
not cover You or the things You need cover for.
Please familiarise yourself with this Policy. We want to ensure You are clear
about what it covers and what it does not cover or excludes. If You are
unclear about anything in this document, please call 1800 236 023 and
Our insurance team will be happy to assist You with any enquiries. 
Always Take Care When Travelling 
Make sure You have checked the most up to date Australian Government
travel advice before You go on a Trip to understand any specific risks for
Your destination. You also need to make sure You take care with Your
belongings, make sure You keep valuable possessions on You and never
leave Your luggage Unattended (for example, in a car overnight). This
insurance is not designed to cover carelessness or high-risk activities, so
be a sensible and prudent traveller. 
Making A Claim 
If You need to make a claim, keep supporting documents and proof of
any loss, including all police reports, sales receipts and card statements
showing any purchases made. See Section ‘ How To Make A Claim ’ for
more detail. 
Changes To This Policy 
The cover under this Policy may be updated from time to time. A copy of
the current policy wording can always be found by visiting the American
Express Australia website at: https:/ /www.americanexpress.com/au/
insurance/insurance-with-your-card/. This document replaces and
supersedes any Policy issued prior to the effective date. 
Important Things To Know About This Policy 
We have listed a number of important things (below) that You should know
about this Policy. This information is not intended to be a complete list of
all coverage sections, terms, conditions or exclusions under this Policy.
Rather, the information is intended as a quick reference point to assist You
in Your understanding of this Policy. 
Excess
Where applicable, an Excess is applied for each Event. 
If a claim is covered, the Excess is first deducted from the amount We will
pay and before any relevant depreciation and limits have been applied to
the claim amount.

2 THE AMERICAN EXPRESS PLATINUM CARD 
Examples
The below examples are provided for illustrative purposes only. Each claim will be assessed individually, based on the facts relative to the specific
claim
Example A – Excess applied:   Example B – Excess and depreciation
applied:
Example C – Excess and depreciation applied to
more than one Event: 
Anna books accommodation to the Sunshiny
caravan park. Her Trip with the family is in
summer, which is 3 months away. A week
before the start of the family Trip, her son
has an accident at school and breaks his leg.
Unfortunately, he needs surgery and the Doctor
confirms it’s best to be at home for the recovery.
Anna paid $1,200 for the accommodation. The
Excess is $250.
a) Deduct the Excess of $250
b)   Check the total cover limits and sub limits
in the Schedule of Benefits. The amount
claimable is below these limits.
Calculation for the amount payable:
(-Excess) + accommodation = amount payable
(-$250) + $1,200 = $950 claim payment.
Jane travels to Brazil and while in Brazil her
laptop is stolen. She reports the theft to the
police and provides Us with the required
documentation. Jane paid $6,000 for her
laptop 12 months prior to this Event. Jane’s
Excess is $250.
a) Deduct the Excess of $250
b)   Establish original purchase price of the
laptop: $6,000
c)   Apply depreciation*:
•   2.5% per month for 12 months = 30%
depreciation. 
• 30% of $6,000 = $1,800 total
depreciation.
d)   Establish current value of the laptop
by subtracting depreciation from the
purchase price of the laptop
• $6,000 - $1,800 = $4,200
e)   Check the total and per item limit shown
in the Schedule of Benefits and select the
lower of current value of the laptop or the
item limit. If the per item limit is $2,500
which is lower than the current value
$4,200, hence We take the lower number
= $2,500.
Calculation for the amount payable:
(-Excess) + limit per item = amount payable
(-$250) + $2,500 = $2,250 claim payment.
Rob and his wife travelled to France for 14 days. On
the 4th day of their Trip, Rob slips down the stairs
at the hotel. Thankfully it’s not a major injury, but
he did twist his ankle and needs to seek medical
attention. He was billed $500 for the Doctor’s
appointment including some scans and medication.
On the 8th day, Rob had his laptop stolen, which
was worth $1,000 when it was purchased 6 months
ago. Unfortunately, on the last day of their Trip,
Rob’s wife then lost her Smartphone worth $900
that was purchased directly before their Trip
commenced. When they return to Australia, Rob
submitted a claim for the 3 Events.
As Rob and his wife had 3 Events during their Trip to
France, an Excess would be applied to each of the
Events (and Covered Persons).
Claim 1: (-$250) Excess + $500 Medical costs =
$250 claim payment.
Claim 2:
a) Deduct the Excess of $250
b)   Establish original purchase price of the laptop:
$1,000
c)   Apply depreciation*:
•   2.5% per month for 6 months = 15%
depreciation.
• 15% of $1,000 = $150 total depreciation.
d)   Establish current value of the laptop by
subtracting depreciation from the purchase
price of the laptop
• $1,000 - $150 = $850
Calculation for the amount payable:
(-Excess) + current value = amount payable
(-$250) + $850 = $600 claim payment.
Claim 3: (-$250) Excess + $900 Smartphone =
$650 claim payment. 
*For depreciation details, please review Section G – Personal Baggage, Valuables, Money and Travel Documents Cover 
The applicable Excess amount is specified in the Schedule of Benefits.
An Excess may also be a waiting period, which is the amount of time You have to wait until the benefit may become payable.

THE AMERICAN EXPRESS PLATINUM CARD 3 
Pre-Existing Medical Conditions 
This Policy   does not cover any costs incurred from or relating to   any
Pre-Existing Medical Condition under Sections A – L (below). For example,
it does not provide cover if You need emergency medical treatment
overseas for an existing illness or if You need to Cancel Your Trip because a
Close Relative’s existing medical condition deteriorates before You travel.
If You have Pre-Existing Medical Conditions, this cover may not be right for
You. Before You make Your Qualifying Travel Purchase, You should review
this Policy to make sure it provides the right cover for You and Your
health situation. 
Pregnancy & Travel Insurance Benefits 
It’s important to understand how Your travel insurance benefits under this
Policy may be limited if You are pregnant. These are summarised below. 
When does the travel insurance cover You if You are pregnant? 
If You are pregnant, You will be covered for unforeseen emergency medical
treatment whilst overseas up to 8 weeks before Your estimated date of
delivery. However, You will not be covered for costs associated with the
actual birth of Your child overseas or any pregnancy related medical
conditions that You were already suffering before Your Qualifying Travel
Purchase. For more information see –   When are You Not Covered if You
are pregnant?   (below).
Two key sections of this Policy that You should be aware of are: 
1. Section E - Medical Emergency Expenses Cover: 
You are covered for Events arising from or related to Your pregnancy
when You are on an International Return Trip, if You have a sudden and
unexpected Injury or Illness, which:
a) occurs more than 8 weeks before Your estimated date of delivery; and
b) is not otherwise excluded within this Policy. 
2. Section A - Trip Cancellation and Amendment Cover: 
You are covered if You have a sudden and unexpected Injury or Illness
arising from or related to Your pregnancy that prevents You from going on
the Trip or continuing the Trip, and which:
a) is confirmed by medical evidence provided by a treating Doctor;
b) occurs more than 8 weeks before Your estimated date of delivery; and
c) is not otherwise excluded within this Policy. 
When Are You Not Covered if You are pregnant? 
You are not covered for any costs arising from or related to:
1.   any Pre-Existing Medical Condition;
2.   any past medical condition(s) relating to a previous pregnancy
or if You have experienced pregnancy complications prior to Your
Qualifying Travel Purchase;
3.   Your pregnancy under Medical Emergency Expenses Cover or
Trip Cancellation and Amendment Cover within 8 weeks of Your
estimated date of delivery;
4.   any costs under Medical Emergency Expenses Cover arising from
childbirth or the health of a newborn child. This exclusion applies
irrespective of the stage of pregnancy at which the child is born;
meaning a newborn (whether premature or otherwise) is not
considered a Covered Person under this Policy if the child was born
on the Trip;
5.   any costs under Medical Emergency Expenses Cover arising from
or relating to an abortion, unless an abortion is medically necessary
to protect the health and safety of the mother following an Injury or
Illness, as determined by a treating Doctor;
6.   fertility treatment or treatment associated with an assisted
reproduction program including but not limited to, in vitro
fertilisation (IVF). 
Exclusions Within This Policy 
As with all insurance, there are certain exclusions that apply. Some
exclusions only apply to certain benefits under this Policy, while other
exclusions apply to all claims. You should read the following:
a)   General Exclusions and General Conditions sections within this Policy,
which apply to all claims.
b)   Each cover section includes information about what We cover and any
terms and conditions and exclusions that apply to the cover section.
To ensure You understand when We will pay for a claim, You should read
each section carefully. You should make sure to check this Policy
before You travel to make sure that You, and all the things You want to do,
are covered.

4 THE AMERICAN EXPRESS PLATINUM CARD 
Age Limits 
Please note that to be eligible for some of the benefits under this Policy, age limits apply. Please see the table below for a summary of the age limits that apply
within this Policy. 
Cover Section   Age Limit
Age Limit for Covered Person
Travel Insurance Cover   (Section A and Sections C - K) 
Card Account Balance Waiver Cover   (Section B) 
You must be 79 years of age or younger before You make Your Qualifying
Travel Purchase. 
Loss Damage Waiver Cover   (Section L)   You must be 21 years of age or older and under 80 years of age before You
make Your Qualifying Rental Vehicle Purchase. 
Card Purchase Cover   (Section M) 
Card Refund Cover   (Section N) 
Buyers Advantage Cover   (Section O) 
Smartphone Screen Cover   (Section P)   No age limitations apply for these cover sections. 
Legal Assistance   (Section Q) 
Roadside Assistance   (Section R) 
Home Assistance   (Section S) 
Age Limit for Close Relative or Travelling Companion 
If Your claim relates to the cancellation or disruption of Your Trip due to an
Injury or Illness of Your Close Relative or Travelling Companion, age limits
also apply 
Trip Cancellation and Amendment Cover   (Section A) 
Resumption of Long International Trip Cover   (Section F)
Close Relative or Travelling Companion must be 90 years of age or younger
when You make Your Qualifying Travel Purchase. 
Excluded Sports And Activities 
Not everything You do on Your Trip will be covered by this Policy. This includes
•   some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000
metres from sea level).
•   competitive sporting events (for example, where You may receive a fee or prize money).
Please see the definition of ‘Excluded Sports and Activities’ for a full list of activities and sports which are not covered under this Policy.

THE AMERICAN EXPRESS PLATINUM CARD 5 
COVID-19 
This Policy provides some limited cover related to Coronavirus Disease 19
(COVID-19) as outlined below. All claims are subject to the usual Policy
terms, conditions and exclusions. 
Domestic Return Trips (Limited Cover only) 
•   If You need to change, Curtail or Cancel Your Domestic Return Trip
due to You, Your Travelling Companion, Your Close Relative or a person
You are visiting for the main purpose of Your Trip being diagnosed
with COVID-19, You will be eligible to claim under Section A - Trip
Cancellation and Amendment Cover.
•   There is   no   Cancellation, Curtailment or Trip Change cover due to
border closures or travel advisory warnings related to COVID-19 for
Domestic Return Trips.
•   There is   no   Medical Emergency Expenses cover for Domestic
Return Trips. 
International Return Trips 
•   If You need to Curtail, Cancel or make a Trip Change to Your
International Return Trip due to You, Your Travelling Companion, Your
Close Relative or a person You are visiting for the main purpose of Your
Trip being diagnosed with COVID-19, You will be eligible to claim under
Section A - Trip Cancellation and Amendment Cover.
•   If You need to cancel, curtail or change Your International Return
Trip because of border closures or travel advisory warnings due
to COVID-19, You will be eligible to claim under Section A – Trip
Cancellation and Amendment Cover. 
-   Cancellation   cover   - applies for border closures or upgraded travel
advisory warnings which occur after You make Your Qualifying Travel
Purchase for International Return Trips. 
-   Curtailment or Trip Change   cover   - applies for border closures or
upgraded travel advisory warnings which occur after You start Your
International Return Trip.
•   If You become ill with COVID-19 whilst on an International Return Trip,
You will be eligible to claim under Section E – Medical Emergency
Expenses Cover. Please note: 
-   there is no cover if You travel when a ‘Do Not Travel’ travel advisory
warning has been issued by an Australian State or Territory or the
Australian Federal Government or an Australian government agency
(such as the Department of Foreign Affairs (DFAT)) prior to Your
Trip starting – even if You have an exemption to travel from the
Australian Government or an Australian government agency. 
-   there is no cover if You travel when the borders have been closed at
Your destination prior to Your Trip starting. 
Cancellation or Postponement of Special Events (No Cover) 
There is no cover for the cancellation or postponement of a Special Event
(for example, a wedding, conference, concert or sporting event) in Australia
or overseas arising from or related to COVID-19.
Please refer to each policy section for a full overview of the cover, terms,
conditions and exclusions that apply. 
Travelling Against Medical or Government Advice 
If You are advised not to travel or not to go on a particular Trip (for example,
to a specific destination), You must comply with that advice. You will not
be covered under Sections A – K of this Policy if You start a Trip against the
following advice:
(a) a treating Doctor advises You not to travel; or
(b)   an Australian State or Territory or the Australian Federal Government
or an Australian government agency (such as DFAT) advises You not
to travel (for example, through border closures or ‘Do Not Travel’
travel advisories). This exclusion applies even if You have been
granted a travel exemption by an Australian State or Territory, the
Australian Federal Government or an Australian government agency
(such as DFAT) to travel.
If You are advised not to travel   after   You have made Your Qualifying Travel
Purchase, You may be entitled to cancel or change Your Trip and make a
claim under Section A - Trip Cancellation and Amendment Cover (subject
to the terms and conditions of this Policy). 
Return Trips Only 
You are only eligible for the travel insurance benefits under Sections A – K
of this Policy for return Trips i.e. trips that begin and end from Your Home
or Work in Australia. It does not cover One-Way Trips where You have no
plans to return to Australia.
You may need to provide evidence of Your intention to return to Your Home
or Your Work where reasonably possible, for example by providing copies
of a return ticket, itinerary or schedule, return transfer or accommodation
bookings, confirmation of return to Work dates etc. Remember, cover
automatically ends for all Trips at 180 days. 
Loss Damage Waiver Cover for Rental Vehicles 
For Rental Vehicle hire of less than 31 days that are paid for on Your
American Express Card Account, this Policy provides cover for costs
that You are responsible for under Your Rental Agreement with a Rental
Company. Loss Damage Waiver cover does not extend to all vehicles that
You may wish to hire. For example, motorcycles, campervans and buses
(except for mini buses hired for recreational purposes) are not covered. 
Fraud 
Chubb takes insurance fraud seriously. Creation or submission of false
documents, or exaggerating a genuine claim is considered insurance
fraud. Such behaviour has a negative impact on the cost of insurance for
all customers.
We use Our dedicated special investigations unit at Chubb to detect and
investigate selected claims daily. When the evidence supports it, Chubb will
report suspect claims to the police and dedicate resources to assisting any
potential criminal prosecutions.

6 THE AMERICAN EXPRESS PLATINUM CARD 
Australian Law 
Your Policy is governed by the laws of the State or Territory of Australia
where Your Home is. Any dispute or action in connection with Your Policy
will be conducted and determined in the courts of the State or Territory of
Australia in which Your Home is. 
Australian Currency 
All payments made under this Policy must be in Australian currency. 
Chubb Assistance (In The Event Of An
Emergency)
Emergency assistance around the world 
In the event of a medical emergency whilst overseas simply phone 
+61 2 8907 5666   to get immediate help in locating medical assistance in
Your local area.
For all non-emergency matters, contact Chubb Customer Service on 
1800 236 023 , or You can submit Your claim online by visiting the Chubb
Claims Centre for American Express:
www.americanexpress.com/australia/claims
Where Your claim is excluded or falls outside this Policy coverage, We
may still provide You with some emergency assistance. If We do this, the
provision of emergency assistance by Chubb Assistance will not in itself be
an admission of liability.
Considerable effort is made to locate, assess and reassess medical
facilities and other services worldwide. However, the medical standards,
sanitary conditions, reliability of telephone systems and facilities for
medical services differ from country to country and accordingly, it is not
always possible to have control over these factors. In the circumstances,
responsibility for any loss, medical complication or death resulting from
any factor beyond Our control, cannot be accepted by Chubb Assistance
or Us. 
Eligibility For Cover Under This Policy 
Cover under this Policy is only available to Card Members who meet the
eligibility criteria. You need to use Your American Express Card Account
in accordance with the Eligibility Table below. Not all cover sections have
the same eligibility criteria, so it is important You understand when the
benefits under this Policy become available to You.

THE AMERICAN EXPRESS PLATINUM CARD 7 
Cover Section
Eligibility Criteria 
To be eligible for the benefits under the cover section(s) of the
Policy, the following eligibility criterianeed to be met: 
When are benefits
available
under the Policy?
When are no benefits available
under this Policy?
Travel Insurance Cover 
(Section A and
Sections C - K) 
Card Account Balance
Waiver Cover   (Section B) 
1. You are a Card Member or an Additional Card Member or their:
a.   Spouse; or
b.   Dependent Child.
2. You are a Resident of Australia. 
Domestic Return Trips 
3. You are going on a Domestic Return Trip and You either:
a.   spend $500 or more on accommodation; or
b.   Pay the full amount of Your outbound ticket for a
Scheduled Flight, Scheduled Cruise, bus or train to Your
scheduled outbound destination,
on Your:
i.   American Express Card Account;
ii.   corresponding American Express Membership
Rewards points or frequent flyer points (where
applicable); and/or
iii.   Travel Benefit. 
International Return Trips 
4.   You are going on an International Return Trip and You pay the
full amount of Your outbound ticket for a Scheduled Flight or
Scheduled Cruise leaving Australia on Your:
i.   American Express Card Account;
ii.   corresponding American Express Membership Rewards
points or frequent flyer points (where applicable); and/or
iii.   Travel Benefit.
5.   You hold an eligible American Express Card Account which is
current (meaning it is not cancelled or suspended).
6.   You are 79 years of age or younger when You make Your
Qualifying Travel Purchase.
If You have satisfied
the eligibility criteria,
You will be eligible
to make a claim for
the Domestic Return
Trip or International
Return Trip that
eligibility condition 3
or 4 applies to.
There is no cover under this Policy if:
1.   You do not meet the
eligibility criteria;
2.   Your American Express Card
Account has been cancelled
or suspended;
3.   You are going on a One-Way Trip. 
Please also refer to the Terms,
Conditions and Exclusions within
each cover section (A – K below) and
the General Exclusions and General
Conditions within this Policy. 
Loss Damage Waiver
Cover   (Section L)
1. You are a Card Member or an Additional Card Member or their:
a.   Spouse; or
b.   Dependent Child.
2. You are a Resident of Australia.
3.   You pay the entire cost for renting a Rental Vehicle using Your:
i.   American Express Card Account; and/or
ii.   corresponding American Express Membership Rewards
points; and/or
iii.   Travel Benefit.
4.   You hold an eligible American Express Card Account which is
current (meaning it is not cancelled or suspended).
5.   You are 21 years of age or older and 79 years of age or younger
when You make Your Qualifying Rental Vehicle Purchase.
If You have satisfied
the eligibility criteria,
You will be eligible to
make a claim for the
Rental Vehicle that
eligibility condition 3
applies to.
There is no cover under this Policy if:
1.   You do not meet the
eligibility criteria;
2.   Your American Express Card
Account has been cancelled or
suspended.
Please also refer to the Terms,
Conditions and Exclusions within
cover section (L) and the General
Exclusions and General Conditions
within this Policy. 
Eligibility Table

8 THE AMERICAN EXPRESS PLATINUM CARD 
Card Purchase Cover 
(Section M) 
Card Refund Cover 
(Section N) 
Buyer's Advantage Cover 
(Section O)
1. You are a Card Member or an Additional Card Member or their:
a.   Spouse; or
b.   Dependent Child.
2. You are a Resident of Australia.
3.   You purchase an Eligible Item and pay the entire cost
using Your:
i.   American Express Card Account; and/or
ii.   corresponding American Express Membership
Rewards points.
4.   You hold an eligible American Express Card Account which is
current (meaning it is not cancelled or suspended).
If You have satisfied
the eligibility criteria,
You will be eligible
to make a claim for
the Eligible Item that
eligibility condition 3
applies to.
There is no cover under this Policy if:
1.   You do not meet the
eligibility criteria;
2.   Your American Express Card
Account has been cancelled
or suspended.
Please also refer to the Terms,
Conditions and Exclusions within
each cover section (M, N or O below)
and the General Exclusions and
General Conditions within this Policy. 
Smartphone Screen
Cover   (Section P)
1. You are a Card Member or an Additional Card Member or their:
a.   Spouse; or
b.   Dependent Child.
2. You are a Resident of Australia.
3. You pay the cost of a:
a.   Smartphone outright in 1 single transaction, or
b.   Smartphone Data Plan for 3 consecutive months
immediately prior to the front screen breakage;
using Your:
i.   American Express Card Account; and/or
ii.   corresponding American Express Membership
Rewards points.
4.   You hold an American Express Card Account which is current
(meaning it is not cancelled or suspended).
If You have satisfied
the eligibility criteria,
You will be eligible
to make a claim for
the Smartphone that
eligibility condition 3
applies to.
There is no cover under this Policy if:
1.   You do not meet the
eligibility criteria;
2.   Your American Express Card
Account has been cancelled
or suspended.
Please also refer to the Terms,
Conditions and Exclusions within
cover section (P) and the General
Exclusions and General Conditions
within this Policy. 
Assistance Services
Legal Assistance 
(Section Q) 
Roadside Assistance 
(Section R) 
Home Assistance 
(Section S)
1. You are a Card Member or an Additional Card Member or their:
a.   Spouse;
b.   Dependent Child.
2. You are a Resident of Australia.
3.   You hold an eligible American Express Card Account which is
current (meaning it is not cancelled or suspended).
If You have satisfied
the eligibility criteria,
the Assistance
Services provided
for in this Policy are
available to You.
There is no cover under this Policy if:
1.   You do not meet the eligibility
criteria;
2.   Your American Express Card
Account has been cancelled or
suspended.
Please also refer to the Terms,
Conditions and Exclusions within
each cover section (Q, R and S) and
the General Exclusions and General
Conditions within this Policy. 
IMPORTANT INFORMATION: American Express has the right to change or terminate the Group Policy and your insurance benefits under it. American
Express will always notify you before making any change to the Group Policy that materially impacts your insurance benefits.

THE AMERICAN EXPRESS PLATINUM CARD 9 
American Express Card at the date of
Qualifying Purchase
American Express card at the date of claim
Event
Which policy applies? 
Your American Express Card Account product
associated with this Policy.
A   different   American Express card with   no 
insurance benefits.
This Policy will not apply as you changed Your
American Express Card. This means there is no
cover under this Policy.
See Example A below.
Your American Express Card Account product
associated with this Policy.
A   different   American Express card with 
different   insurance benefits (i.e. where you
upgrade or downgrade to a different card).
This Policy will not apply as you changed Your
American Express card.
The policy of your new American Express card will
apply, subject to the terms, conditions, limits and
exclusions of that policy.
See Example B below.
A   different   American Express card product   with
or without   insurance benefits.
Your American Express Card Account associated
with this Policy.
This Policy will apply. Cover is subject to the
terms, conditions, limits and exclusions of
this Policy. 
Card Suspension or Cancellation 
Your American Express Card Account product
associated with this Policy.
Your American Express Card Account has been
cancelled or suspended.
This Policy does not apply; there are no insurance
benefits available to you as your American
Express Card Account has been cancelled
or suspended. 
If You change Your American Express Card
Account product, or Your American Express Card
Account is Cancelled or Suspended 
If You change Your American Express Card Account product to another
card offered by American Express (e.g. a card downgrade or upgrade), you
will not be entitled to cover under this Policy and the insurance benefits
will stop.
The card you hold at the date of the claim Event will determine which
insurance benefits you have. If your new American Express card comes
with insurance benefits, you may be entitled to cover under that new policy.
You should always check before changing to another American Express
card whether that card comes with insurance benefits, and the terms and
conditions associated with any such insurance benefits to ensure the level
of cover is right for You.
If your American Express Card Account is suspended or cancelled, then
there is no cover under this Policy.
Please see the table below for more information.

10 THE AMERICAN EXPRESS PLATINUM CARD 
Example A – No American Express Card Account in place at the date of
claim Event
Example B – Different American Express card in place at the date of
claim Event 
Joan holds an American Express Card Account that has travel insurance
cover and makes a Qualifying Travel Purchase for a Trip that she intends to
take later in the year.
Before she starts her Trip, Joan decides to cancel her American Express Card
Account. Upon cancelling her American Express Card Account, Joan does
not apply for another American Express card.
Subsequently, Joan travels and unfortunately her luggage is lost in transit to
her scheduled destination.
Joan does not have any entitlement to make a claim under the Policy for
the lost luggage as Joan had cancelled the American Express Card Account,
which means Joan did not hold a valid American Express Card Account at
the date of the claim Event and therefore no longer has access to the travel
insurance cover.
Tim makes a Qualifying Travel Purchase for a Trip using his American Express
Card Account that has travel insurance cover.
Prior to travelling, Tim arranges with American Express to downgrade his
card to another American Express card with a lower fee that has less travel
insurance benefits.
On the Trip, Tim suffers an Injury. The previous American Express Card
Account which Tim held included Medical Emergency Expenses cover, but
the new card held by Tim at the date of the claim Event does not include
Medical Emergency Expenses cover.
Tim cannot therefore make a claim for Medical Emergency Expenses as
the policy in-force at the date of the claim Event does not include this type
of cover. 
For medical and travel emergencies, or for Assistance Services (Legal Assistance, Roadside Assistance or Home Assistance), please contact Chubb
Assistance on +61 2 8907 5666.
For claims and general enquiries about this Policy, please contact Chubb: 
Address:   Grosvenor Place, Level 38, 225 George Street, SYDNEY NSW 2000 Australia
Postal Address:   GPO Box 4907, SYDNEY NSW 2001
Telephone:   1800 236 023
Overseas Telephone:   +61 2 9335 3492
Email:   CardmemberServices.ANZ@Chubb.com
Not an emergency?
Making a claim is quick and easy. You can submit Your claim online by visiting the Chubb Claims Centre for American Express:
www.americanexpress.com/australia/claims 
The following examples are provided to illustrate how Your cover may be affected by changes to Your card.

THE AMERICAN EXPRESS PLATINUM CARD 11 
Coverage Summary
IMPORTANT 
•   The following table is a summary of cover only, it is not an exhaustive list of all limits, terms, conditions or exclusions in this Policy. It is intended to be a quick
reference tool to help You understand the main benefits and some exclusions that apply.
• You should always read the full Policy for comprehensive details. 
Section   Cover Description   Key Exclusions
Travel Insurance Cover 
A   Trip Cancellation and Amendment Cover 
Provides cover in the event You must Cancel, Curtail or change Your Trip
for the following reasons:
•   You or Your Travelling Companion suffering an Injury, unforeseen
Illness or dying before or during Your Trip;
•   A Close Relative, suffering an Injury or an unforeseen Illness or
dying before or during Your Trip;
•   a Natural Disaster has caused devastation to the destination You
were intending to travel;
•   an Australian State or Territory or the Australian Federal
Government or an Australian government agency (such as DFAT
– Department of Trade and Foreign Affairs) upgrading a travel
advisory to ‘Reconsider your need to travel’ or ‘Do Not Travel’
travel warning or borders closing in respect of the destination You
were intending to travel after You: 
-   make Your Qualifying Travel Purchase in the case of a
Cancellation claim, or 
-   start Your Trip in the case of a Curtailment or Trip Change.
Cover varies depending on the Trip type (international or domestic). 
What is covered? 
Non-refundable deposits, excursion costs and unused travel and
accommodation costs You have paid in advance.
We will not pay for:
•   Cancellation, Curtailment or Trip Change due to a Pre-Existing
Medical Condition;
•   losses arising from the death, serious injury or acute Illness of
any Close Relative or Travelling Companion who is 91 years or
older when You made Your Qualifying Travel Purchase;
•   circumstances where Cancellation, Curtailment or Trip Change
was foreseeable, avoidable, unnecessary or within Your
control at the time of making a Qualifying Travel Purchase (for
Cancellation) or before starting a Trip (for Curtailment or
Trip Change);
•   You or any other person simply changing their mind and
deciding not to travel or choosing to stop their Trip;
•   Cancellation, Curtailment or Trip Change of a Domestic
Return Trip due to border closures, travel advisory warnings or
quarantine as a result of an epidemic, pandemic or outbreak of
an infectious disease or virus or any derivative or mutation of
such viruses;
•   the cancellation or postponement of a Special Event arising
from or related to an epidemic, pandemic or outbreak of an
infectious disease or virus or any derivative or mutation of
such viruses.
B   Card Account Balance Waiver Cover 
If You suffer a Personal Accident (Section C below), pays the
balance owing on Your American Express Card Account at the time
of the accident.
We will not pay for:
•   any charges on Your American Express Card Account that are
already more than 90 days overdue at the time of the accident.
C   Personal Accident Cover
1. Accidental Death or Permanent Disablement during Your Trip 
Cover in the event of Your Accidental Death or Permanent Disablement
due to an accident whilst on a Trip. 
2. Public Transport Accident Cover 
Provides cover for Accidental Death or Permanent Disablement arising:
•   While travelling as a passenger on a Public Transport; or
•   From exposure and disappearance.
We will not pay for:
•   events which occur whilst travelling on privately hired, rented
or chartered transport under part 2 – Public Transport Accident
Cover;
•   death caused by illness or natural causes.

12 THE AMERICAN EXPRESS PLATINUM CARD 
D   Travel Inconvenience Cover 
Provides cover if:
•   Your Scheduled Flight departure is delayed by 4 hours or more;
•   Your Scheduled Flight is cancelled;
•   You are denied Scheduled Flight boarding;
•   You miss a Scheduled Flight connection; or
•   Your checked luggage is delayed by 6 hours or more.
The amount of cover varies for each benefit.
We will not pay for:
•   Personal Baggage delay at the airport You first departed from in
Your Home State or Territory in Australia;
•   the purchase of clothing and toiletries which are not necessary
for Your Trip;
•   costs if You fail to notify the transport provider or carrier about
delayed or missing luggage or You do not obtain a luggage
incident report from them or show You have taken reasonable
steps to obtain one.
E   Medical Emergency Expenses Cover 
Provides cover for Repatriation/Evacuation, cost of overseas Treatment,
emergency dental Treatment and reasonable extra accommodation
costs in the event of a Medical Emergency while You are on Your
International Return Trip, and transportation of Your remains or burial
expenses following Your death while on a Trip.
We will not pay for:
•   costs relating to Pre-Existing Medical Conditions;
•   any expenses if you are 80 years of age or older before You make
your Qualifying Travel Purchase;
•   medical costs if You do not make reasonable attempts to
contact Chubb Assistance where You were reasonably able to
do so;
•   costs arising from Your participation in Excluded Sports and
Activities (for example, horse riding, deep sea fishing, bungee
jumping, jet skiing, hot air ballooning and rock climbing). Check
the definition of Excluded Sports and Activities in the Definitions
section for the full list of excluded activities;
•   costs arising from or related to Trips where the following advice
has been provided prior to starting Your Trip, 
-   an Australian State or Territory or the Australian Federal
Government or an Australian government agency (such as
DFAT) has issued a travel advisory warning, advising You to
‘Do Not Travel’ or that borders are closed, for the destination
You planned to travel to; or 
-   a Doctor advised You not to travel.
F   Resumption of Long International Trip Cover 
Covers the costs of resuming Your Long International Trip (of 2 weeks
or more) if it is interrupted due to the death, imminent death, Injury or
unforeseen Illness of a Close Relative.
We will not pay for:
•   costs arising from or relating to interruption due to the death,
Injury or unforeseen Illness of a Close Relative who is 91 years of
age or older before You make Your Qualifying Travel Purchase;
•   death, accident or Illness of a Close Relative where such an
event was reasonably foreseeable at the time of making Your
Qualifying Travel Purchase;
•   costs arising from the Terminal Illness of a Close Relative which
was diagnosed before You made Your Qualifying Travel Purchase;
•   an interruption to a Long International Trip which was caused
by or was related to an epidemic, pandemic or outbreak of an
infectious disease or virus or any derivative or mutation of
such viruses.

THE AMERICAN EXPRESS PLATINUM CARD 13 
G   Personal Baggage, Valuables, Money and Travel Documents Cover 
Provides cover if Your Personal Baggage, Valuables, Money and Travel
Documents are damaged, destroyed, lost or stolen during Your Trip.
We will not pay for:
•   Valuables or Money within Your Personal Baggage checked in or
stowed in the luggage hold of an airplane, ship, bus or train;
•   Valuables and/or Money that are left Unattended in a motor
vehicle (unless You have no option other than to leave the items
Unattended due to an emergency medical, security or
evacuation situation);
•   any Items left Unattended in a Public Place (unless You have
no option other than to leave the items Unattended due to an
emergency medical, security or evacuation situation);
•   claims where You do not obtain a report from local police, the
carrier, tour or transport operator or accommodation provider and
You have not taken reasonable steps to obtain one either.
H   Personal Liability Cover 
Covers Your liability if You damage someone’s property or cause
them injury.
We will not pay for:
• You intentionally incurring any liability;
•   injury You cause to any person who is a member of Your family,
a Close Relative, or any person under a contract of service or
apprenticeship with You;
• injury or damage involving:
a)   mechanically propelled vehicles (including scooters), aircraft
(including drones), hovercraft or watercraft (other than
non-mechanically propelled watercraft less than 10 metres in
length);
b) firearms; or
c) animals (other than horses and domestic pets).
I   Loss of Income Cover 
Covers loss of employment income if You suffer an Illness or Injury
during the course of Your Trip which results in Temporary Total
Disablement and a loss of employment income of 30 days or more.
We will not pay for:
•   any future income You expect or could receive as part of any bonus
or bonus structure, salary increase, salary sacrifice scheme or
employee benefit scheme (such as shares);
• Pre-Existing Medical Conditions.
J   Hijack Cover 
If Your Public Transport is Hijacked and You are detained for more than
24 hours, covers the cost of Your Close Relatives travelling to stay at the
place of Your Hijack.
We will not:
•   act as Your negotiator or intermediary or advise You in dealing with
the Hijackers.
K   Kidnap Cover 
If You are Kidnapped, covers the cost of Your Close Relatives travelling to
stay at the place of the Kidnap.
We will not:
•   act as Your negotiator or intermediary or advise You in dealing with
the Kidnappers.

14 THE AMERICAN EXPRESS PLATINUM CARD 
Loss Damage Waiver Cover 
L   Loss Damage Waiver Cover 
Covers loss or damage to a Rental Vehicle.
We will not pay for:
•   any costs arising from driving by persons who do not have a
valid driving licence or are not a nominated or specified driver
under the Rental Agreement;
•   anyone under the age of 21 or over the age of 79 years of age
before You make Your Qualifying Rental Vehicle Purchase;
•   The rental of trailers or caravans, vehicles for business or
commercial use, motorcycles, mopeds, campervans and
motor homes;
•   Rental Vehicles which are hired for longer than 31 days;
•   Rental Vehicles with a retail purchase price in excess of
$125,000. 
Retail Item Protection 
M   Card Purchase Cover 
Covers theft or damage to Eligible Items within 90 days of purchase.
We will not pay for:
•   Eligible Items left Unattended in a Public Place (unless You have
no option other than to leave the Eligible Items Unattended due
to an emergency medical, security or evacuation situation);
•   Eligible Items left in an Unattended motor vehicle except where
they are locked out of sight in a Secure Area which has been
accessed by Forcible Entry or You have no option other than
to leave the Eligible Items Unattended due to an emergency
medical, security or evacuation situation.
N   Card Refund Cover 
Covers You for a refund of the purchase price on any unused Eligible
Items that You wish to return which the retailer operating in Australia
will not take it back (for up to 90 days after purchase).
We will not pay for:
•   Eligible Items returned because they are faulty;
•   claims where a store credit or credit note has been offered;
•   items purchased from a retailer outside Australia;
•   Eligible Items with a purchase price of $50 or less;
•   used or second-hand items.
O   Buyer's Advantage Cover 
Provides cover for the breakdown or defect of Eligible Items beyond the
expiry of the original manufacturer’s warranty period (applicable within
Australia), as follows:
i.   if the original manufacturer’s warranty period is 1 year or less,
buyer's advantage extends cover by the same period as the
Original Warranty (for example, if the Original Warranty is 1 year
the buyer's advantage cover period will be an additional 1 year);
ii.   if the original manufacturer’s warranty period expires between
2- 5 years, the buyer's advantage extends cover for a period of 1
year (for example, if the Original Warranty is 3 years, the buyer's
advantage cover period will be an additional 1 year).
(Please refer to the cover section for more details).
We will not pay for:
•   items purchased from a retailer outside Australia;
•   any costs other than for parts and/or labour costs resulting
from a covered breakdown or defect.

THE AMERICAN EXPRESS PLATINUM CARD 15 
P   Smartphone Screen Cover 
Provides cover for breakage to the front screen of Your Smartphone
following accidental drop or impact.
We will not pay for:
•   any replacement of any other parts of the Smartphone, other
than for the glass or plastic front screen;
•   if You have not paid for Your Smartphone Data Plan on Your
American Express Card Account for the 3 consecutive months
immediately prior to breakage of the front screen of Your
Smartphone (unless You have purchased the Smartphone
outright in 1 single transaction);
•   damage to Smartphones older than 3 years of age. 
Assistance Services 
Q   Legal Assistance 
Provides cover for referral to a local lawyer and advance of emergency
legal fees and bail bond whilst on an International Return Trip.
This cover section is available whilst on an International Return Trip only.
We will not pay for:
•   legal assistance requested within Australia;
•   legal fees or bail bond exceeding $10,000.
R   Roadside Assistance 
Provides cover in respect of Covered Vehicles for Roadside Assistance
or towing, replacement vehicles or return of vehicles.
This cover section is available within Tasmania and mainland
Australia only.
We will not pay for:
•   claims arising from participation in motor racing, rallies, speed
or duration tests;
•   claims arising as a result of the car not being adequately
repaired, serviced or not maintained in accordance with
manufacturer’s recommendation;
•   claims arising if the vehicle has been used for hire or reward, or
carriage of commercial goods;
•   loss or damage deliberately caused by You.
S   Home Assistance 
Provides cover for:
a.   24-hour referral to service providers, such as plumbers or
locksmiths; and
b.   charges for 2 Emergency call-outs per year.
This cover section is available within Tasmania and mainland
Australia only.
We will not pay for:
•   any charges related to labour and spare parts;
•   call-out costs for non-Emergency call outs.

16 THE AMERICAN EXPRESS PLATINUM CARD 
Schedule of Benefits 
Please note that amounts quoted are in Australian dollars (unless otherwise stated). 
Travel Insurance
Section of
Cover
Cover Description   Benefit Limit – per Covered Person unless otherwise stated   Excess
Applies
International Return Trip   Domestic Return Trip
Section A
Trip Cancellation and Amendment Cover
(section limit) 
Up to $30,000   Up to $30,000
$250
b. Travel agent commission (sub limit)   Up to $750 or 15% of the total
booking amount, whichever is the
lesser
Up to $750 or 15% of the total booking
amount, whichever is the lesser
c. Additional travel and accommodation
(sub limit)
Up to $5,000   Up to $5,000 
Section B   Card Account Balance Waiver 
The total amount owing on Your
American Express
Card Account
The total amount owing on Your
American Express Card Account   NIL 
Section C
Personal Accident Cover   Card Member/Additional Card
Member/Spouse/
Dependent Child(ren)
Card Member/Additional Card
Member/Spouse/
Dependent Child(ren) 
NIL 
1. Accidental Death
or Permanent
Disablement
arising during Your
Trip
Benefit Type 
i. Accidental Death   $50,000   $50,000 
Permanent
Disablement: 
ii.   Loss of both hands
or both feet
$50,000   $50,000
iii.   Loss of one (1) hand
and one (1) foot
$50,000   $50,000
iv.   Loss of entire sight
of both eyes
$50,000   $50,000
v.   Loss of entire sight
of one (1) eye and
loss of one (1) hand
or one (1) foot
$50,000   $50,000
vi.   Loss of one (1) hand
or one (1) foot
$25,000   $25,000
vii.   Loss of the entire
sight of one (1) eye
$25,000   $25,000

THE AMERICAN EXPRESS PLATINUM CARD 17 
2.   Public Transport
Accident Cover
Benefit Type   Card Member/Additional Card
Member/Spouse/
Dependent Child(ren)
Card Member/Additional Card
Member/Spouse/
Dependent Child(ren) 
NIL
a.   Accidental Death
or Permanent
Disablement arising
while travelling as
passenger on Public
Transport
b.   Accidental Death
or Permanent
Disablement arising
from exposure
c.   Accidental Death
arising from
disappearance while
travelling on Public
Transport
i. Accidental Death   $400,000   $400,000 
Permanent
Disablement: 
ii.   Loss of both hands
or both feet
$400,000   $400,000
iii.   Loss of one (1) hand
and one (1) foot
$400,000   $400,000
iv.   Loss of entire sight
of both eyes
$400,000   $400,000
v.   Loss of entire sight
of one (1) eye and
loss of one (1) hand
or one (1) foot
$400,000   $400,000
vi.   Loss of one (1) hand
or one (1) foot
$200,000   $200,000
vii.   Loss of the entire
sight of one (1) eye
$200,000   $200,000 
Section D
Travel Inconvenience Cover   Per Covered
Person
Maximum for
all Covered
Persons (when
travelling
together)
Per Covered
Person
Maximum for all
Covered Persons
(when travelling
together) 
NIL
1.   Delayed, cancelled, overbooked or missed
onward Scheduled Flight
Up to $700
after 4 hours
Up to $1,400
after 4 hours
Up to $700 after
4 hours
Up to $1,400 after
4 hours
2.   Extended Delayed, cancelled, overbooked or
missed onward Scheduled Flight
Up to $500 per
24-hour period
to a maximum
of $2,000
Up to $1,000 per
24-hour period
to a maximum of
$4,000
Up to $500 per
24-hour period
to a maximum of
$2,000
Up to $1,000 per
24-hour period
to a maximum of
$4,000
3.   Delay of Personal Baggage checked-in on
Scheduled Flight
Up to $700
after 6 hours
Up to $1,400
after 6 hours
Up to $700 after
6 hours
Up to $1,400 after
6 hours
4.   Extended Delay of Personal Baggage checked-in
on Scheduled Flight
Up to $700
after 48 hours
Up to
$1,400 after
48 hours
Up to
$700 after
48 hours
Up to
$1,400 after
48 hours
5. Delayed arrival to a Special Event   Up to $3,000   Up to $6,000   Up to $3,000   Up to $6,000

18 THE AMERICAN EXPRESS PLATINUM CARD 
Section E
Medical Emergency Expenses Cover
1.   In The Event Of A Medical Emergency
(section limit) 
Unlimited
Not Covered   $250 
1.a.   In The Event Of A Medical Emergency &
Repatriation/Evacuation (sub limit) –
costs arising as a result of Terrorism 
Up to $1,000,000
2. Emergency Dental (sub limit)   Up to $1,500
3. Repatriation/Evacuation (sub limit)   Unlimited
4. Incidental expenses each 24 hours (sub limit)   Up to $75 per 24-hour period
to a maximum of $5,000
5. Extra accommodation (room only) (sub limit)   Up to $250 per 24-hour period up
to a maximum of $2,500
6. a) Return economy airfare (sub limit)   Up to $5,000
6. b) Extra accommodation (room only)   Up to $250 per 24-hour period up
to a maximum of $2,500 
2. In The Event Of Your death (Repatriation/
Funeral/Burial Costs) 
Up to $15,000   Up to $15,000
NIL
In the event of Your death in a Schengen
member state
Up to 30,000 EUR   Not Covered 
Section F
Resumption Of Long International Trip Cover 
$250
1) Returning to Australia for a Close Relative   Up to $5,000   Not Covered 
Section G
Personal Baggage, Valuables, Money And Travel
Documents Cover (section limit) 
Up to $30,000   Up to $30,000
$250
a. Money and Travel Documents (sub limit)   Up to $1,000   Up to $1,000
b.   Maximum total of all Valuables (including
sub limits i. to iv.);
Up to $9,000   Up to $9,000
i. One (1) Smartphone (sub limit);   Up to $1,000   Up to $1,000
ii.   One (1) laptop (including accessories sold with
the laptop) (sub limit);
Up to $3,000   Up to $3,000
iii.   One (1) camera (including lenses and
accessories) (sub limit);
Up to $5,000   Up to $5,000
iv. Any other Valuable item (sub-limit)   Up to $5,000   Up to $5,000
c.   any other single item or Pair or Set of items
(sub limit);
Up to $5,000   Up to $5,000 
Section H   Personal Liability Cover   Up to $3,000,000   Up to $3,000,000   NIL 
Section I
Loss Of Income Cover (section limit)   Up to $15,000   Up to $15,000
30 Days
Monthly Salary (up to 5 months)   Up to $3,000 per month   Up to $3,000 per month

THE AMERICAN EXPRESS PLATINUM CARD 19 
Section J
Hijack Cover (section limit is an aggregate limit
for all Your Close Relatives) 
Up to $29,000   Up to $29,000
NIL a. return economy airfare   Up to $5,000   Up to $5,000
b.   Extra accommodation (room-only) for each
twenty-four (24) hour period
Up to $2,000 per 24-hour period
to a maximum of $24,000
Up to $2,000 per 24-hour period
to a maximum of $24,000 
Section K
Kidnap Cover (section limit is an aggregate
limit for all Your Close Relatives) 
Up to $29,000   Up to $29,000
NIL a) return economy airfare   Up to $5,000   Up to $5,000
b)   Extra accommodation (room-only) for each
twenty-four (24) hour period
Up to $2,000 per 24-hour period
to a maximum of $24,000
Up to $2,000 per 24-hour period
to a maximum of $24,000 
Section L   Loss Damage Waiver Cover   Up to $125,000   Up to $125,000   NIL 
Retail Item Protection
Section of
Cover
Cover Description   Benefit Limit   Excess
Applies
Section M
Card Purchase Cover (section limit)   Up to $30,000 in any three hundred and sixty-five (365) day period beginning
when the first claim Event occurs   $50
Per Eligible Item   Up to $3,500 
Section N
Card Refund Cover (section limit)   Up to $5,000 in any three hundred and sixty-five (365) day period beginning
when the first claim Event occurs   NIL
Per Eligible Item   Up to $1,000 
Section O
Buyer's Advantage Cover (section limit)   Up to $20,000 in any three hundred and sixty-five (365) day period beginning
when the first claim Event occurs   NIL
Per Eligible Item   Up to $20,000 
Section P
Smartphone Screen Cover (section limit)   two (2) eligible claims in any three hundred and sixty-five (365) day beginning
when the first claim Event occurs   10% of
the repair
cost Per Smartphone   Up to $500 
Assistance Service
Section of
Cover
Cover Description   Benefit Limit   Excess
Applies
Section Q
Legal Assistance 
NIL 1. Referrals and Advance of Lawyer’s Fees   Up to $10,000
2. Advance of Bail Bond   Up to $10,000

20 THE AMERICAN EXPRESS PLATINUM CARD 
Section R
Roadside Assistance 
NIL
1. Roadside Assistance   Up to $200
2. Replacement Vehicle   Rented vehicle costs for up to 3 consecutive days
3. Return of You and Passenger/s to Your Home   Up to $400 or 400 kilometres, whichever is less
4. Return or Collection of Vehicle after Repair   Transportation costs to collect a Covered Vehicle 
Section S   Home Assistance   Two (2) eligible claims in any three hundred and sixty-five (365) day beginning
when the first claim Event occurs   NIL 
Definitions 
The following words when used with capital letters in this document have
the meaning given below. Wherever these words are used in plural in this
Policy, they have the same meaning as the singular form shown below. 
Accidental Death   means death occurring as a result of an Injury. 
American Express   means American Express Australia Limited (ABN
92 108 952 085, AFS Licence No. 291313) of 12 Shelley Street, Sydney NSW
2000, the Group Policy holder. 
American Express Card Account   means an account issued by American
Express Australia Limited which is current (meaning it is not suspended or
cancelled), billed from Australia and in Australian dollars for the following
card product:
(a) American Express Platinum Card. 
Additional Card Member   means a person who is issued an additional
American Express card that is connected to the Card Member’s
primary American Express Card Account (also known as a supplementary
Card Member). 
Appointed Claims Handler   means Chubb or its claims handling agent
and/or representative. 
Card Member   means a person who is issued an American Express Card
Account as the primary account holder. 
Chubb   means Chubb Insurance Australia Limited (ABN 23 001 642 020,
AFS Licence No. 239687) of Grosvenor Place, Level 38, 225 George
Street, Sydney NSW 2000, the insurer of the Group Policy held by
American Express. 
Chubb Assistance   means the service provider acting on behalf of Chubb
to provide emergency assistance. 
Close Relative   means Spouse, parent, parent-in-law, step-parent, child,
brother, half-brother, step-brother, brother-in-law, sister, half-sister, step-
sister, sister-in-law, daughter-in-law, son-in-law, niece, nephew, uncle, aunt,
grandparent or grandchild. 
Covered Person   means the Card Member or an Additional Card Member,
and:
1. their Spouse;
2. their Dependent Child(ren)
who meets the eligibility criteria as specified in the Eligibility Table. 
Dependent Child(ren)   means any child (including stepchild or adopted
child) of a Card Member, Additional Card Member or Spouse who is
primarily dependent upon the Card Member or Spouse for maintenance
and support, and who is:
a) 25 years of age or younger; or
b)   of any age permanently mentally or physically incapable of self-
support, as confirmed by medical evidence from a Doctor and who is
permanently living with the Card Member or Spouse. 
Dentist   means a legally registered dentist who is not You or Your
Close Relative. 
Doctor   means a legally registered medical practitioner who is not You or
Your Close Relative. 
Domestic Return Trip   means a return trip within Australia that is more
than 150 kilometre radius from Your Home:
starting:
a)   when You leave Your Home or Your Work (whichever occurs last) to
travel to Your destination, or
b)   when You leave Your Home or Your Work (whichever occurs last) to
travel to the departure point of Your Scheduled Flight or Scheduled
Cruise; and
ending:
c)   when You return to Your Home or Your Work (whichever occurs
first); or
d) when Your trip exceeds 180 consecutive days. 
Eligible Item   means an item:
1. that is purchased from a retailer solely for personal use; and
2.   that is new and has not been used in any way at the time of
purchase; and
3.   the cost of which has been charged to Your American Express Card
Account (including through the redemption of American Express
Membership Rewards points).

THE AMERICAN EXPRESS PLATINUM CARD 21 
Event(s)   means an occurrence that gives rise to a claim for a benefit under
Your Policy. Multiple occurrences attributable to one source or originating
cause is deemed to be one Event. 
Excess   is the amount You must pay for each successful claim where
indicated. 
Excluded Sports and Activities   means boxing; cave diving; horse
jumping; horse riding; hunting and hunting on horseback; professional
sports; canyoning; caving; diving; mountain-climbing; steeple chasing; any
form of motor racing; speed, performance or endurance tests; abseiling;
American football; bob sleigh; bungee jumping; base jumping; canoeing;
clay pigeon shooting; deep sea fishing; go-karting; hang gliding; heli-
skiing; hot air ballooning; ice hockey; jet biking and jet skiing; martial arts;
micro-lighting; mountain biking off tarmac; mountaineering; parachuting;
paragliding; parascending; paraskiing; polo; quad biking; rock climbing;
SCUBA diving deeper than 30 metres; skidoo; ski-jumping; ski-racing;
ski-stunting; tour operator safari (where You or any tourist will be carrying
guns); trekking requiring climbing equipment and/or ascending above
3,000 metres from sea level; war games/paint ball; white water rafting;
yachting more than 20 nautical miles from the nearest coastline. 
Forcible Entry   means unlawful entry by forcible and violent means, as
evidenced by a broken window, damaged or picked lock, broken hinge or
door handle. 
Group Policy   means the group policy of insurance held by American
Express as detailed in the ' General Information To Know About This
Policy ' section of this Policy. 
Hijack   means the unlawful seizure of or wrongful exercise of control of the
aircraft or other Public Transport on which You are travelling. Hijacking,
Hijacked and Hijackers have the same corresponding meaning. 
Home   means Your usual place of residence in Australia (where You live). 
Illness   means a sickness or disease which requires treatment by a Doctor
or a Dentist; it does not include an Injury or Pre-Existing
Medical Conditions. 
Injury   means an accidental bodily injury resulting solely and directly from:
1.   a sudden, external and identifiable Event that happens by chance and
could not have been expected from the perspective of the Covered
Person; and
2. which occurs independently of any Illness or any other cause, and
3. causes a loss within 12 months of the accident.
It does not include an Illness or a Pre-Existing Medical Condition. 
Insolvency   means bankruptcy, provisional liquidation, liquidation,
insolvency, appointment of a receiver or administrator, entry into a scheme
of arrangement, statutory protection stopping the payment of debts or
the happening of anything of a similar nature under the applicable laws of
any jurisdiction. 
International Return Trip   means a trip where Your destination is outside
of Australia:
starting:
(a)   when You leave Your Home or Your Work (whichever occurs last) to
travel to the airport to fly on Your Scheduled Flight; or
(b)   when You leave Your Home or Your Work (whichever occurs last) to
travel to a harbour port to board a Scheduled Cruise; and
ending:
(c)   when You return to Your Home or Your Work (whichever occurs first)
having travelled from the airport or harbour port; or
(d) when Your trip exceeds 180 consecutive days. 
Kidnap   means the illegal taking, seizing or detaining by force and holding
of You in captivity for the purpose of demanding payment of monies to
secure Your release. Kidnapping, Kidnapped and Kidnappers have the
same corresponding meaning. 
Long International Trip   means an International Return Trip with an
itinerary of 15 days or more. 
Manual Work   means paid work which involves the installation, assembly,
maintenance or repair of electrical, mechanical or hydraulic plant (other
than in a purely managerial, supervisory, sales or administrative capacity).
It also means manual labour of any kind including, but not restricted to,
hands-on work such as a plumber, electrician, lighting or sound technician,
carpenter, painter, decorator or builder. 
Medical Emergency   means:
• an Injury;
• sudden and unforeseen Illness; or
• a dental issue,
suffered by You while overseas on an International Return Trip, which
results in the immediate need for Treatment which cannot be reasonably
delayed until Your return to Australia without causing discomfort or risk
of aggravation in the opinion of a local treating Doctor or by
Chubb Assistance. 
Money   means currency, travellers cheques, hotel and other redeemable
holiday vouchers and petrol coupons. It does not mean cryptocurrency. 
Monthly Salary   means:
1.   for an employed person: all items of remuneration including
pre-tax salary, bonuses, commission and the like paid every
calendar month; or
2.   for a self-employed person: monthly pre-tax income derived from
personal exertion, after deduction of all expenses incurred in
connection with the derivation of that income, averaged over the
period of twelve (12) months immediately preceding the loss of
income or over such shorter period as they have been self-employed. 
Natural Disaster   means volcanic eruption, flood (more than 20,000
square metres of normally dry land), tsunami, earthquake, landslide,
cyclone, tornado or bushfire. The term Natural Disaster does not include
any infectious or contagious disease or virus regardless of transmission
(including pandemic or epidemic). 
One-Way Trip   means any trip for which You are unable to provide evidence
of Your intention to return to Your Home or Your Work.

22 THE AMERICAN EXPRESS PLATINUM CARD 
Pair or Set   means two or more items that are: i) used together; ii)
associated with each other; or iii) corresponding (including attached and
unattached accessories) and regarded as 1 unit. 
Permanent Disablement   means a loss caused by an Injury which results
in the:
i.   complete and permanent severance of a foot at or above the ankle
joint; or
ii. complete and permanent severance of a hand at or above the wrist; or
iii. irrecoverable loss of the entire sight of an eye. 
Personal Baggage   means items of necessity, ornament or personal
convenience for Your individual use during the Trip, including clothing,
toiletries, and personal effects worn or carried by You within a suitcase (or
similar). It does not include Valuables. 
Policy   means this document which details the insurance benefits available
to You under the Group Policy including all relevant terms, benefit limits,
conditions and exclusions. 
IN THE TIME PERIOD
PRIOR TO MAKING
YOUR QUALIFYING
TRAVEL PURCHASE
THE PHYSICAL DEFECT, MEDICAL OR DENTAL CONDITION, ILLNESS, INJURY OR DISEASE
2 years   requires either of the following:
1.
i.   ongoing medication for treatment or risk factor control;
ii.   prescribed medication from a Doctor;
iii.   check-ups, consultations, reviews or progress advice (other than those recommended by a Doctor to review a
previous condition that is considered by a Doctor prior to You making Your Qualifying Travel Purchase to be cured or in
complete remission); or
iv.   surgery; 
or 
2. is either
i.   under investigation;
ii.   pending diagnosis or test results; or
iii.   chronic or arthritic. 
3 years   THE PHYSICAL DEFECT, MEDICAL OR DENTAL CONDITION, ILLNESS, INJURY OR DISEASE 
affects any of the following body parts:
•   heart;
•   brain (other than a mental health–related condition);
•   liver;
•   back/spine;
•   kidneys;
•   cardiovascular or circulatory or respiratory system; 
and 
where such medical condition either:
I.   involved a hospital emergency visitation or being an inpatient in hospital; or
II.   required or requires surgery, a specialist appointment or consultation; or
III.   requires:
i.   ongoing medication for treatment or risk factor control; or
ii.   prescribed medication from a Doctor; or
iii.   check-ups, consultations, reviews or progress advice (other than those recommended by a Doctor to review a
previous condition that is considered by a Doctor prior to You making Your Qualifying Travel Purchase to be cured
or in complete remission); or
a) is currently either:
i. under investigation; or
ii. pending diagnosis or test results. 
Pre-Existing Medical Condition   means any physical defect, medical or dental condition, illness, injury or disease that:

THE AMERICAN EXPRESS PLATINUM CARD 23 
5 years   THE PHYSICAL DEFECT, MEDICAL OR DENTAL CONDITION, ILLNESS, INJURY OR DISEASE   related to cancer. 
3 Months   THE PHYSICAL DEFECT, MEDICAL OR DENTAL CONDITION, ILLNESS, INJURY OR DISEASE   led to the manifestation of
symptoms where a reasonable person in the circumstances would be expected to be aware of or a reasonable person under
the circumstances would have foreseen. 
Public Place   means any place that is accessible by the public, including,
shops, buses, planes, trains, Taxis, airports, bus depots, hotel foyers,
restaurants, cafes, beaches and entertainment venues. 
Public Transport   means an air, land, water or rail passenger transport
that is operated by a carrier licensed for the regular transportation of fare-
paying passengers (including a Taxi, ride-hailing service, airport limousine,
aircraft or watercraft as part of a paid sightseeing tour). It does not mean
privately hired, rented or chartered air or water transport (such as private
helicopter, private jet or plane, or private watercraft). 
Qualifying Rental Vehicle   Purchase   means the payment of the entire cost
for renting a Rental Vehicle using Your:
i.   American Express Card Account; and/or
ii.   corresponding American Express Membership Rewards points;
and/or
iii.   Travel Benefit. 
Qualifying Smartphone Screen Purchase   means:
a.   The purchase of a Smartphone outright in 1 single transaction; or
b.   The payment of 3 consecutive months of a Smartphone Data Plan
(immediately prior to the front screen breakage);
using Your:
i.   American Express Card Account; and/or
ii.   corresponding American Express Membership Rewards points. 
Qualifying Travel Purchase   means:
a) If You are going on a Domestic Return Trip, You:
i.   Spend $500 or more on accommodation, or
ii.   Pay the full amount of Your outbound ticket for a Scheduled
Flight, Scheduled Cruise, bus or train to Your scheduled outbound
destination; or
b)   If You are going on an International Return Trip, You pay the full amount
of Your outbound ticket for a Scheduled Flight or Scheduled Cruise
leaving Australia;
and You charge the payment to Your:
i.   American Express Card Account; and/or
ii.   corresponding American Express Membership Rewards points or
frequent flyer points (where applicable), and/or
iii.   Travel Benefit. 
Qualifying Purchase   means:
i.   a Qualifying Travel Purchase;
ii.   a Qualifying Smartphone Screen Purchase;
iii.   a Qualifying Rental Vehicle Purchase; or
iv.   purchase of an Eligible Item. 
Rental Agreement   means the contract of hire between the Rental
Company and You in respect of a Rental Vehicle. 
Rental Company   means a company or agency that hires Rental Vehicles
and is fully licensed with the regulatory authority of the country, state or
local authority where the Rental Vehicle is collected. 
Rental Vehicle   means any sedan, station wagon, hatchback, sport utility
vehicle (SUV) or other non-commercial vehicle rented under a Rental
Agreement on a daily or weekly basis from a Rental Company. It does not
mean trucks, buses (except for mini buses hired for recreational purposes),
trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor
homes, scooters or bicycles. 
Rental Vehicle Deductible   means the amount payable by You for each and
every claim under the insurance obtained or purchased for loss or damage
to a Rental Vehicle or under any similar waiver type cover. 
Repatriation/Evacuation   means Your:
1.   transportation to the nearest hospital, if transportation is not
provided free of charge in the country of incident; or
2.   evacuation to the nearest adequately equipped hospital in the event
that local medical facilities consider they cannot adequately treat You
or where Chubb Assistance’s medical officer considers local medical
facilities to be inadequate; or
3.   repatriation directly to Australia when permitted by the local treating
Doctor or when recommended by Chubb Assistance’s medical
officer; or
4.   return to Australia after hospitalisation, provided that You are
deemed to be medically fit for travel by the treating Doctor or by
Chubb Assistance’s medical officer, and that Your original means of
transportation cannot be used. 
Resident of Australia   means an Australian citizen, or holder of an
Australian visa [including a permanent residency visa, partner/spouse visa,
Australian skilled migrant visa (including 457 and Temporary Skill Shortage
(TSS) visa), or a student visa]:
a.   with a right to entry into Australia in accordance with their
citizenship, residency or visa;
b.   with access to long-term medical care in Australia;
c.   who has a permanent Australian residential address; and
d.   who currently resides in Australia.

24 THE AMERICAN EXPRESS PLATINUM CARD 
Scheduled Airline   means airline passenger transport that operates to
a published timetable or schedule and is available to the general public.
It does not mean privately hired, rented or chartered air transport (such
private jet or plane or helicopter). 
Scheduled Cruise   means passenger transport that operates to a
published timetable or schedule and is available to the general public. It
does not mean privately hired, rented or chartered sea transport (such as
water taxi, private boat, cruising on a cargo ship). 
Scheduled Flight   means a flight in an aircraft on a Scheduled Airline. 
Schengen Visa   means You holding a valid visa that enables You to enter,
freely travel within, and leave any of the Schengen member countries
within Europe. 
Secure Area   means the locked dashboard, glove compartment, boot or
luggage compartment of a motor vehicle including the locked luggage
compartment of a hatchback or station wagon, the fixed storage units of a
motorised or towed caravan, or a locked luggage box locked to a roof rack
locked to the vehicle, providing that, in each case, all items are out of sight. 
Smartphone Data Plan   means an ongoing month-to-month contract in
Your name, for the provision of the Smartphone and/or data, calls or texts,
which is used on a Smartphone owned by You. Smartphone Data Plan does
not include pre-paid, top up or add-on plans or purchases. 
Smartphone   means an electronic device used for mobile
telecommunications over a cellular network (including but not limited to,
Apple, Samsung, Huawei or similar). Smartphone does not mean tablets or
smart watches. 
Special Event   means a wedding, funeral, pre-paid conference, pre-paid
sporting event pre-paid concert or festival, which before You started Your
Trip You had planned to attend. 
Spouse   means the Card Member’s or the Additional Card Member’s
husband, wife, fiancé or defacto. 
Taxi   means a vehicle with a driver for public hire for passenger
transportation, either hailed on the street or via a mobile phone
application. 
Temporary Total Disablement   means the temporary inability of You to
engage in Your Usual Work, while You are under the regular care of and
acting in accordance with the instructions or advice of a Doctor. If self-
employed, Temporary Total Disablement must prevent You from helping,
managing or carrying out any part of the day-to-day running of a business. 
Terminal Illness   means a medical condition for which a terminal prognosis
has been given by a qualified Doctor and which is likely to result in death. 
Terrorism   means activities against persons, organisations or property of
any nature:
1. that involves the following or preparation for the following:
a.   use of, or threat of, force or violence; or
b.   commission of, or threat of, force or violence; or
c.   commission of, or threat of, an act that interferes with or disrupts an
electronic communication, information, or mechanical system; and
2. when 1 or both of the following applies:
a.   the effect is to intimidate or coerce a government or the civilian
population or any segment thereof, or to disrupt any segment of the
economy; and/or
b.   it appears that the intent is to intimidate or coerce a government,
or to further political, ideological, religious, social or economic
objectives or to express (or express opposition to) a philosophy or
ideology. 
Travel Benefit   means any travel benefit or credit offered under the
American Express Card Account terms and conditions. 
Travelling Companion   means a person travelling with You on a Trip which
has the same travel itinerary as You. 
Travel Documents   means travel tickets, passports, visas and
driving licences. 
Treatment   means surgical or medical procedures performed by a
Doctor or Dentist where the sole purpose of which is to cure or relieve
Illness or Injury. 
Trip   means:
1.   a Domestic Return Trip; or
2.   an International Return Trip. 
Unattended   means when Your Personal Baggage, Valuables, Money, Travel
Documents or an Eligible Item are not:
a.   worn or carried by You; or
b.   under Your observation and within 3 metres of You. 
Usual Work   means permanent full or part time employment, including
self-employment, which You are engaged in prior to Your Trip starting and
that You intend to return to at the end of Your Trip. 
Valuables   means jewellery; furs; articles containing precious metals
or precious stones; watches; binoculars; audio equipment or devices;
photographic and electronic equipment or devices; Smartphones and
tablets; personal organisers and games consoles; laptops and external
computer devices (including all printers, modems, external hard drives and
similar). 
We/Our/Us   means Chubb. 
Work   means Your usual place of work within Australia having a fixed
physical address. 
You/Your   means a Covered Person. 
Benefits
Section (A) Trip Cancellation And Amendment Cover 
This benefit is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benefits within this Policy to confirm the
amount of cover available under this section. 
SPECIFIC DEFINITIONS – TRIP CANCELLATION AND AMENDMENT
COVER

THE AMERICAN EXPRESS PLATINUM CARD 25 
Cancellation   means a cancellation resulting in You not starting Your Trip at
all. ‘Cancel’ and ‘Cancelled’ has the corresponding meaning. 
Curtailment   means cutting short Your Trip and returning to Your Home in
Australia. ‘Curtail’ and ‘Curtailed’ has the corresponding meaning. 
Trip Change   means any change that You must make to a Trip You have
started but that does not result in You having to return Home any earlier
than intended. 
COVER – TRIP CANCELLATION AND AMENDMENT COVER 
This cover section provides cover for a necessary and unavoidable
Cancellation, Curtailment or Trip Change for specified Events, as
listed below. 
Please note that:
1.   specified Events 1 – 10 below (except 7 c) provide cover (as specified
below) for circumstances arising from or relating to an epidemic,
pandemic or outbreak of an infectious disease or virus or any
derivative or mutation of such viruses, and
2.   specified Events 11 – 12 do not provide any cover for circumstances
arising from or relating to an epidemic, pandemic or outbreak of
an infectious disease or virus or any derivative or mutation of
such viruses. 
If You have a necessary and unavoidable Cancellation, Curtailment or Trip
Change due to one of the following unforeseen specified Events:
1.   You or Your Travelling Companion or a person You are visiting for the
main purpose of Your Trip suffering an Injury, an unforeseen Illness
or death;
2.   Your Close Relative, or a Close Relative of a Travelling Companion or
a Close Relative of a person You are visiting for the main purpose of
Your Trip suffering an Injury, an unforeseen Illness or dying;
3.   Your redundancy which qualifies for redundancy payments under
current legislation;
4.   You being in the Australian armed services (military, naval or air
service) or emergency services (police, fire, ambulance) and Your
leave is revoked;
5.   You being called for jury service or being subpoenaed as a witness
other than in a professional or advisory capacity;
6.   You being required by the police or an authority to be present at Your
Home or place of business in Australia following burglary, or local
major damage such as flood at Your Home or place of business in
Australia;
7.   Your paid transport has been cancelled by your transport provider
as a result of:
a.   riot, strike, civil commotion;
b.   adverse weather;
c.   Natural Disaster;
d.   mechanical breakdown of the transport You planned to travel on;
provided that there had been no published official warning, before
You make Your Qualifying Travel Purchase, that any such Event had
occurred or was likely to occur;
8.   there is a Natural Disaster, or a Natural Disaster has recently
happened or is reasonably expected to happen, on the direct route
to or at Your Trip destination, provided that there had been no
published official warning, before You make Your Qualifying Travel
Purchase, that any such Event had occurred or was likely to occur;
9.   a Natural Disaster or the imminent risk of one at Your Home in
Australia;
10.   for Your   International Return Trip , where:
a.   an Australian State or Territory, the Australian Federal
Government or an Australian government agency (such as DFAT
– Department of Trade and Foreign Affairs) have upgraded a
travel advisory warning, advising You:
i.   to ‘Reconsider your need to travel’ or ‘Do Not Travel’ , or
ii.   that borders are closed for the scheduled destination You
planned to travel, or
iii.   that mandatory quarantine is required at Your destination; 
or 
b.   an Australian state or territory public health authority have:
i.   classified You as having close contact with a person diagnosed
with an infectious disease or virus which is classified as an
epidemic or pandemic; and
ii.   directed You into a period of quarantine as a result of
this contact; 
or 
c.   an Australian State or Territory, the Australian Federal
Government or an Australian government agency (such as DFAT)
has implemented a lockdown order (encompassing stay-at-
home orders or the restriction of movement of people into or
out of a defined geographic region) and the order applies to the
geographic region where Your Home is; 
and 
the warning was published or the order was given after You:
i.   make Your Qualifying Travel Purchase in the case of a claim for
Cancellation; or
ii.   start Your Trip in the case of a claim for Curtailment or Trip
Change;
11.   a Special Event You were attending has been cancelled or postponed
except due to circumstances arising from or relating to an epidemic,
pandemic or outbreak of an infectious disease or virus or any
derivative or mutation of such viruses;
12.   for Your   Domestic Return Trip , where an Australian State or
Territory Government or government agency have issued an official
written government statement advising You:
i.   not to travel to Your destination; or
ii.   that borders are closed for the destination You have planned to
travel to;
except due to circumstances arising from or relating to an epidemic,
pandemic or outbreak of an infectious disease or virus or any
derivative or mutation of such viruses;

26 THE AMERICAN EXPRESS PLATINUM CARD 
and   the warning was published after You:
i.   make Your Qualifying Travel Purchase in the case of a claim for
Cancellation; or
ii.   started Your Trip in the case of a claim for Curtailment or Trip
Change;
We will pay up to the maximum relevant cover section limit inclusive of
sub-limits as shown in the Schedule of Benefits for:
a.   non-refundable and unused:
i.   deposits that You have paid in advance;
ii.   excursion costs that You have paid in advance;
iii.   travel and accommodation costs that You have paid in advance;
b.   non-refundable travel agents’ commission;
c.   any other reasonable additional travel or accommodation expenses
for a Trip Change or Curtailment,
however, where You have incurred both additional travel or accommodation
expenses as well as forfeited expenses, only the greater of these expenses
is payable under this Policy.
For example, if You forfeited pre-paid accommodation for a particular night,
but also incur additional accommodation expenses for the same night,
only the highest amount will be payable. 
TERMS AND CONDITIONS – TRIP CANCELLATION AND AMENDMENT
COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy). 
1.   Claims for Injury or Illness will require confirmation in writing
by a treating Doctor confirming the Injury or Illness. If a written
confirmation is not provided, You must provide evidence that You
have taken reasonable steps to obtain the written confirmation,
such as emails, call logs or other reasonable evidence.
2.   Claims for death will require death certificate confirming cause
of death. If a death certificate is not provided, You must provide
evidence that You have taken reasonable steps to obtain the death
certificate, such as emails, call logs or other reasonable evidence.
3.   Where the purchase of an airplane, ship, bus or train ticket (or part
thereof) was done so using membership rewards points or similar
points and the loss of such points cannot be recovered from any
other source (within a reasonable timeframe and after reasonable
efforts have been made to seek recovery), We will calculate the loss
by using the retail price associated with the travel provider of the
issued ticket at the time the ticket was purchased.
4.   You must take reasonable steps to recover any refund, credit note or
voucher You are entitled to. Where You have received or been offered
a refund, credit note or voucher for the cost of a booking, whether
partially or in full, the amount offered or received is to be considered
refundable. You are only eligible for cover under this cover section
for non-refundable and unused costs. 
EXCLUSIONS – TRIP CANCELLATION AND AMENDMENT COVER
(Please also refer to the General Exclusions Applicable to all Sections
within this Policy). 
We will not pay for or reimburse any costs arising from or relating to:
1.   You or any other person simply changing their mind and deciding
not to start a Trip, continue with the Trip or any other disinclination
to travel;
2.   Pre-Existing Medical Conditions (whether Yours, Your Travelling
Companion’s or a Close Relative's) except when You make a
Cancellation, Curtailment or Trip Change due to the death of a
Travelling Companion or Close Relative and provided the death was
not as a result of a Terminal Illness;
3.   the death, Injury, unforeseen Illness of any Close Relative or
Travelling Companion who is 91 years of age or older when You made
Your Qualifying Travel Purchase;
4.   costs where a refund, credit note or voucher has been received or
offered for those costs;
5.   additional costs incurred due to Your failure to notify the carrier or
travel agent as soon as reasonably possible that Your Trip is to be
Cancelled or Curtailed;
6.   any government regulation, prohibition or restriction, including but
not limited to:
a.   Your failure to hold or obtain a valid passport, visa, or other
required documentation prior to commencing Your Trip;
b.   Travel advisories, border closures, mandatory quarantine,
public health directives to quarantine or lockdown orders which
occurred before You:
i.   made Your Qualifying Travel Purchase in the case of a claim
for a Cancellation; or
ii.   started Your Trip in the case of a claim for a Curtailment or
Trip Change;
c.   border closures or government advice not to travel which relate
to an epidemic, pandemic or outbreak of an infectious disease or
virus or any derivative or mutation of such viruses for a Domestic
Return Trip;
7.   where You do not meet the vaccination protocols required by a
transport provider or an Australian State, Territory or the
Australian Federal Government or the government of any
destination You had planned to travel to before they allow You
to board the Public Transport;
8.   a Special Event that is cancelled or postponed as a result of an
epidemic, pandemic or outbreak of an infectious disease or virus or
any derivative or mutation of such viruses;
9.   Your failure to check-in at the required time for any flight, sea
crossing, train or bus journey which is within Your control;
10.   Cancellation caused by Your work commitments, or amendment
of Your entitlement by Your employer, unless You are a member
of the Australian armed services (military, naval or air service) or
emergency services (police, fire, ambulance) and the expense or
cost was incurred as a result of Your leave being revoked;

THE AMERICAN EXPRESS PLATINUM CARD 27 
11.   travel or accommodation costs for anyone that is not a
Covered Person;
12.   costs incurred in respect of any medical condition where You are
unable to supply a medical certificate from Your treating Doctor
confirming Cancellation, Curtailment or Trip Change was necessary
and unavoidable. If a written confirmation is not provided, You must
provide evidence that You have taken reasonable steps to obtain
the written confirmation, such as emails, call logs or other
reasonable evidence;
13.   Your financial circumstances or any contractual or
business obligation;
14.   the failure of Your travel agent to pass on monies to operators or to
deliver promised services;
15.   the Insolvency of any person, company or organisation, including
but not limited to a travel agent, tour operator, accommodation
provider, airline or other carrier, vehicle rental agency or any other
travel or tourism services provider;
16.   additional transportation or accommodation expenses which are
payable under another section or benefit of this Policy;
17.   any circumstances that were foreseeable, avoidable, unnecessary or
within Your control:
a.   at the time You made Your Qualifying Travel Purchase in the case
of Cancellation, or
b.   before You start Your Trip in the case of Curtailment or
Trip Change. 
EXCESS – TRIP CANCELLATION AND AMENDMENT COVER 
As noted in the Schedule of Benefits. 
Section (B) Card Account Balance Waiver Cover 
This benefit is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benefits within this Policy to confirm the
amount of cover available under this section. 
COVER – CARD ACCOUNT BALANCE WAIVER COVER
Payment of outstanding balance of American Express Card Account 
1.   If You suffer a loss under Section (C) Personal Accident Cover, then
We will pay the applicable benefit amount as shown in the Schedule
of Benefits as at the time of the accident (including American
Express Card Account charges incurred prior to the accident and not
yet billed). 
EXCLUSIONS - CARD ACCOUNT BALANCE WAIVER COVER
(Please also refer to the General Exclusions Applicable to all Sections
within this Policy). 
We will not pay for or reimburse any costs arising from or relating to:
1.   any charges on Your American Express Card Account which are
more than 90 days overdue for payment at the time of the accident. 
EXCESS - CARD ACCOUNT BALANCE WAIVER COVER 
As noted in the Schedule of Benefits. 
Section (C) Personal Accident Cover 
This benefit is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benefits within this Policy to confirm the
amount of cover available under this section. 
COVER – PERSONAL ACCIDENT COVER
1. Accidental Death or Permanent Disablement arising during Your Trip 
If during Your Trip, You suffer an Injury that results in Your:
i.   Accidental Death, or
ii.   Permanent Disablement;
within 12 months of the date of the Injury;
We will pay You or Your estate the applicable benefit amount (up to the
maximum relevant cover section limit inclusive of sub-limits as shown in
the Schedule of Benefits).
If You are eligible for the higher Accidental Death or Permanent
Disablement benefit under 2) Public Transport Accident Cover (below),
the above benefit cannot also be claimed. 
2. Public Transport Accident Cover
a.   Accidental Death or Permanent Disablement arising while travelling
as a passenger on Public Transport 
If during Your Trip, You sustain an Injury that results in an Accidental
Death or Permanent Disablement described in the Schedule of Benefits
as a result of: 
-   travelling as passenger on Public Transport, or 
-   boarding or disembarking from Public Transport, or 
-   being struck by Public Transport, 
We will pay the corresponding benefit amount noted in the Schedule
of Benefits. 
b.   Accidental Death or Permanent Disablement arising from exposure 
If during Your Trip, You sustain an Injury due to exposure to weather
conditions that results in an Accidental Death or Permanent
Disablement described in the Schedule of Benefits due to the
disappearance, sinking or wrecking of the Public Transport on which You
were travelling, We will pay the corresponding benefit amount noted in
the Schedule of Benefits. 
c.   Accidental Death arising from disappearance while travelling on
Public Transport 
If during Your Trip, You disappear due to the disappearance, sinking
or wrecking of the Public Transport on which You were travelling, and
Your body has not been found within 12 months, You will be deemed
to have died at the time of Your disappearance and We will pay the
corresponding Accidental Death benefit amount noted in the Schedule
of Benefits.

28 THE AMERICAN EXPRESS PLATINUM CARD 
TERMS AND CONDITIONS – PERSONAL ACCIDENT COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy). 
1.   Benefits will be paid in Australian dollars to You, and in the case of
Your Accidental Death, to Your estate.
2.   We will only pay one benefit type (i-vii in the Schedule of Benefits)
for each Event, even if multiple benefit types apply. If multiple
benefit types apply, We will pay the benefit type with the highest
benefit amount.
3.   Claims for Permanent Disablement will require confirmation in
writing by a treating Doctor as soon as reasonably possible. Medical
certificates must be provided at your own cost.
4.   Claims for Accidental Death will require death certificate confirming
cause of death.
5.   If You are also entitled to make a claim from Us under a separate
insurance policy on another American Express card, We will only
make 1 payment in relation to the accident and loss in question. In
that instance, We will pay the highest benefit amount applicable. 
EXCLUSIONS – PERSONAL ACCIDENT COVER
(Please also refer to the General Exclusions Applicable to all Sections
within this Policy). 
We will not pay for or reimburse any costs arising from or relating to:
1.   the Accidental Death or Permanent Disablement of a person that is
not a Covered Person;
2.   when travelling on privately hired, rented or chartered transport in
the case of claims under 2) Public Transport Accident Cover. 
EXCESS – PERSONAL ACCIDENT COVER 
As noted in the Schedule of Benefits Table. 
Section (D) Travel Inconvenience Cover 
This benefit is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benefits within this Policy to confirm the
amount of cover available under this section. 
COVER – TRAVEL INCONVENIENCE COVER
1.   Delayed, cancelled, overbooked or missed onward flight 
If during Your Trip:
a.   Your Scheduled Flight is delayed or cancelled by 4 hours or more; or
b.   You are denied boarding on Your Scheduled Flight due to over-
booking of the aircraft, and no alternative flight is made available to
You within 4 hours of the scheduled departure time of such flight; or
c.   You missed Your onward connecting Scheduled Flight at the transfer
point due to the late arrival of Your incoming connecting Scheduled
Flight, and no alternative onward flight is made available to You
within 4 hours of the actual arrival time of the incoming flight;
We will reimburse You for additional hotel accommodation (room only)
and restaurant meals or refreshments up to the maximum relevant cover
section limit inclusive of sub-limits as shown in the Schedule of Benefits. 
2. Extended Delayed, cancelled, overbooked or missed onward flight 
If You have a claim under 1. Delayed, cancelled, overbooked or missed
onward flight (above), We will also reimburse You for additional
accommodation expenses (room only) for each full 24-hour period that
the delay continues beyond the initial 4 hour delay up to the maximum
relevant cover section limit inclusive of sub-limits as shown in the
Schedule of Benefits. 
3. Delay of Personal Baggage checked-in on Scheduled Flight 
If during Your Trip, Your Personal Baggage which You have checked in on
a Scheduled Flight:
a.   is not delivered within 6 hours of Your arrival at the scheduled
destination point; and
b.   You are not at the airport You first departed from in Your Home’s
State or Territory in Australia;
We will reimburse You for the emergency purchase of essential clothing
and toiletries up to the maximum relevant cover section limit inclusive of
sub-limits as shown in the Schedule of Benefits. 
4.   Extended Delay of Personal Baggage checked-in on Scheduled
Flight 
If during a Trip, Your Personal Baggage which You have checked in on a
Scheduled Flight:
a.   is not delivered to You by the airline provider within 48 hours of Your
arrival at the scheduled destination point; and
b.   You are not at the airport You first departed from in Your Home’s
State or Territory in Australia;
We will reimburse You for the reasonable emergency purchase of
essential items up to the maximum relevant cover section limit inclusive
of sub-limits as shown in the Schedule of Benefits. 
5. Delayed arrival to a Special Event 
If during Your Trip, Your Scheduled Flight to a Special Event is delayed
due to unforeseeable circumstances outside of Your control and:
a.   the delay results in You being unable to arrive in time for the Special
Event; and
b.   the Special Event cannot be delayed due to Your late arrival,
We will pay reasonable additional expenses for the cost of alternative
Public Transport to arrive at the Special Event directly to You, up to the
maximum relevant cover section limit inclusive of sub-limits as shown in
the Schedule of Benefits. 
TERMS AND CONDITIONS – TRAVEL INCONVENIENCE COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy). 
1.   Should more than one (1) person claim under the benefits of this
section in relation to the same Event, We will pay a maximum of
double the benefit limits specified.
2.   In the event of a claim, You must provide Us with invoices and/or
receipts.
3.   Claims for lost or delayed luggage must be reported to the transport
provider or carrier and a property irregularity report (such as a
luggage incident report) obtained where reasonably possible. If

THE AMERICAN EXPRESS PLATINUM CARD 29 
a property irregularity report or incident report is not provided,
You must provide evidence that You have taken reasonable steps
to obtain a report, such as emails, call logs or other reasonable
evidence. A copy of any property irregularity report obtained from
the airline must be supplied to Us together with the following
information:
a.   full details of the flight (airline, flight numbers, departure airport,
destination, scheduled flight times and arrival airport);
b.   details of the delay or loss incurred; and
c.   full details of expenses for which reimbursement is claimed. 
EXCLUSIONS – TRAVEL INCONVENIENCE COVER
(Please also refer to the General Exclusions applicable to All Sections
within this Policy). 
We will not pay for or reimburse any costs arising from or relating to:
1.   the confiscation or requisition of any items by any customs agency
or other government authorities;
2.   the purchase of clothing or toiletries that are not reasonably
necessary for Your Trip;
3.   any lost or delayed Personal Baggage where a property irregularity
report (such as a luggage incident report) is not provided and where
You are unable to provide evidence that You have taken reasonable
steps to obtain one. Such evidence includes emails and call logs to
the transport provider or other reasonable evidence;
4.   Personal Baggage delay or extended Personal Baggage delay in
the airport You first departed from in Your Home’s State or Territory
in Australia. 
EXCESS - TRAVEL INCONVENIENCE COVER 
As noted in the Schedule of Benefits. 
Section (E) Medical Emergency Expenses Cover 
This benefit is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benefits within this Policy to confirm the
amount of cover available under this section. 
COVER – MEDICAL EMERGENCY EXPENSES COVER
1.   In The Event Of A Medical Emergency – International Return
Trip only 
If during Your International Return Trip (except when You are in Australia),
You have a Medical Emergency resulting from an Injury or Illness, which
is not a Pre-Existing Medical Condition, We will pay or reimburse the
reasonable expenses for:
1.   Your emergency medical Treatment and hospital costs;
2.   Your emergency dental Treatment to natural teeth;
3.   Your Repatriation/Evacuation costs if approved by Chubb
Assistance (such approval not to be unreasonably withheld or
delayed) following consultation with the treating Doctor;
4.   Your incidental expenses, such as food and toiletries expenses,
which You may incur as a result of being hospitalised as an in-patient
for each complete 24 hour period;
5.   reasonable extra accommodation costs (room-only) for You and any
person who stays or travels with You to provide support or care, as
reasonably agreed by Chubb Assistance;
6.   if You are travelling alone:
a.   a return economy airfare; and
b.   extra accommodation (room-only); 
for Your friend or Close Relative to stay with You as reasonably
agreed by Chubb Assistance.
The maximum We will pay under the Medical Emergency Expenses
Cover is the maximum relevant cover section limit inclusive of sub-
limits as shown in the Schedule of Benefits. However, We will stop
paying costs and expenses prior to that limit being reached if You:
i.   return to Australia; or
ii.   are declared fit to return to Australia by a treating Doctor
or by Chubb Assistance’s medical officer, but choose to
remain overseas. 
2. In The Event Of Your death 
If You die during Your Trip, Chubb Assistance will organise, arrange and pay
for the reasonable costs up the maximum relevant cover section inclusive
of sub-limits as shown in the Schedule of Benefits for:
a)   transportation of Your remains to an airport of Your Home’s State or
Territory in Australia; or
b)   cremation and subsequent transportation of Your remains to an
airport of Your Home’s State or Territory in Australia; or
c) local (in the country of Your death) burial.
If You hold a valid Schengen Visa and in the event of Your death in a
Schengen member state during Your International Return Trip, the
maximum amount We will pay in total will not exceed 30,000 EUR
for expenses incurred in that Schengen member state for Your burial
or cremation. 
In an emergency: 
You should contact Chubb Assistance as soon as reasonably possible
when an emergency arises on +61 2 8907 5666 and provide Your
American Express Card Account number, as much information as
possible and a telephone or fax number where You can be contacted.
If Your medical condition prevents You from calling, if possible,
someone else should call on Your behalf, such as a relative, Your
Travelling Companion, nurse or Doctor.
If You do not make reasonable attempts to call Chubb Assistance
before seeking emergency medical treatment, or You chose to seek
treatment from a medical service not approved by Chubb Assistance,
You may be responsible for some or all of Your medical expenses (to
the extent that those medical expenses could otherwise have been
reduced through preferred medical providers arranged by Chubb
Assistance).

30 THE AMERICAN EXPRESS PLATINUM CARD 
TERMS AND CONDITIONS – MEDICAL EMERGENCY EXPENSES
COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy). 
1.   You must be seventy-nine (79) years of age or younger when You
make Your Qualifying Travel Purchase.
2.   We will not be liable to pay or reimburse You for any medical
Treatment, hospital costs, dental Treatment or any other ancillary
Treatment (i.e. physiotherapy) that are incurred in Australia.
3.   You must take all reasonable measures to avoid or minimise any
claim, to follow all applicable care and safety procedures notified to
You by a treating Doctor or Chubb Assistance’s medical officer, to
obtain help or assistance as soon as reasonably possible and avoid
danger, except in an attempt to save human life.
4.   You must make all reasonable attempts to call Chubb Assistance
before seeking overseas emergency medical Treatment. If Your
medical condition prevents You from calling, if possible, someone
else should call on Your behalf, such as a relative, Travelling
Companion, nurse or Doctor. If You do not make reasonable
attempts to call Chubb Assistance before seeking emergency
medical Treatment, or You chose to seek treatment from a medical
service provider not approved by Chubb Assistance, You may be
responsible for Your medical expense costs to the extent that those
medical expenses could otherwise have been reduced through
preferred medical providers arranged by Chubb Assistance. You will
need to provide evidence that You have attempted to contact Chubb
Assistance, such as call logs or other reasonable evidence.
5.   In the event of an overseas Medical Emergency, We will arrange
Your transportation to the nearest hospital or evacuate You to the
nearest adequately equipped hospital in the event that local medical
facilities are inadequate (in the opinion of staff at the local medical
facility or Chubb Assistance’s medical officer).
6.   If Your original means of transportation cannot be used, We will
repatriate You directly to Australia when You are deemed medically
fit to travel by the local treating Doctor or by Chubb Assistance’s
medical officer.
7.   We will repatriate or evacuate You to Australia by the quickest
and most direct route as determined by the treating Doctor or as
recommended by Chubb Assistance’s medical officer. However, if
You chose to be repatriated or evacuated without first discussing
this with Chubb Assistance, You may be responsible for any costs to
the extent that those Repatriation/Evacuation costs could otherwise
have been reduced through preferred medical providers arranged
by Chubb.
8.   To understand the extent of Your Injury or Illness and what
treatment or Repatriation/Evacuation, if any, is required, we may
seek a second independent Doctor or Dentist to review and confirm
what medical treatment, expenses or Repatriation/Evacuation is
appropriate. 
EXCLUSIONS – MEDICAL EMERGENCY EXPENSES COVER
(Please also refer to the General Exclusions applicable to All Sections
within this Policy). 
We will not pay for or reimburse any costs arising from or relating to:
1.   Your Pre-Existing Medical Condition(s);
2.   any medical Treatment, hospital costs, dental Treatment,
Repatriation/Evacuation costs or any other ancillary Treatment (i.e.
physiotherapy) that is incurred in Australia;
3.   Your failure to make any reasonable attempt to contact Chubb
Assistance where You were reasonably able to do so;
4.   Your participation in Excluded Sports and Activities;
5.   participation in a sporting event that has an appearance fee, wage,
salary or prize money which in total is equal to fifteen percent
(15%) or more of Your annual income from all sources. Participation
includes training for, coaching or otherwise competing in that
sporting event;
6.   dental treatment caused by or related to the deterioration and/or
decay of teeth or associated tissue;
7.   dentures, crowns and orthodontics;
8.   routine medical or dental treatment or prenatal visits;
9.   Treatment or prescription medication (including medication and
ongoing immunisations) that started prior to Your International
Return Trip;
10.   Treatment performed by Close Relatives, except in a life-
threatening emergency;
11.   You remaining overseas after Chubb Assistance confirms, based on
medical evidence from the treating Doctor, that You are fit to travel
and can return to Australia;
12.   an International Return Trip involving pre-planned Treatment, or for
the purpose of obtaining Treatment, and Treatment for cosmetic
reasons, unless Chubb Assistance’s medical officer agrees that
such Treatment is necessary as a result of any covered accident;
13.   You engaging in Manual Work;
14.   any costs incurred in a destination where an Australian State,
Territory or the Australian Federal Government or an Australian
government agency (such as DFAT) have issued or upgraded a
travel advisory warning, advising You to ‘Do Not Travel’ or that
borders are closed, for the destination You planned to travel to
and this occurred prior to You starting Your International Return
Trip. This exclusion applies even if You have been granted a travel
exemption by an Australian State or Territory, the Australian Federal
Government or an Australian government agency (such as DFAT)
to travel. 
EXCESS – MEDICAL EMERGENCY EXPENSES COVER 
As noted in the Schedule of Benefits.

THE AMERICAN EXPRESS PLATINUM CARD 31 
Section (F) Resumption Of Long International Trip Cover 
This benefit is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benefits within this Policy to confirm the
amount of cover available under this section. 
COVER – RESUMPTION OF LONG INTERNATIONAL TRIP COVER
1. Resumption Of Long International Trip Cover 
In the event that You have to interrupt a Long International Trip and return
to Australia immediately following the:
1.   death;
2.   imminent death;
3.   Injury;
4.   unforeseen Illness;
of a Close Relative where the Close Relative is 90 years of age or younger
before You make Your Qualifying Travel Purchase;
We will pay for reasonable extra expenses actually and necessarily incurred
(less any refund received for the unused prepaid travel accommodation
arrangements) to resume Your Long International Trip if:
i.   You resume Your Long International Trip within 30 days of returning
to Australia;
ii.   You have more than 14 days remaining on Your Long International
Trip; and
iii.   the remaining period constitutes at least 25% of the total duration
of Your Long International Trip. 
TERMS AND CONDITIONS – RESUMPTION OF LONG INTERNATIONAL
TRIP COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy). 
1.   We will deduct any airline refunds or travel credits You receive from
the amount We pay or reimburse.
2.   We will deduct any airfares reimbursed under Section A – Trip
Cancellation and Amendment Cover.
3.   We will only pay if the death, imminent death, Injury or unforeseen
Illness of a Close Relative occurred after You make Your Qualifying
Travel Purchase. 
EXCLUSIONS – RESUMPTION OF LONG INTERNATIONAL TRIP COVER
(Please also refer to the General Exclusions applicable to All Sections
within this Policy). 
We will not pay for or reimburse any costs arising from or relating to:
1.   the death, Injury or unforeseen Illness of any Close Relative:
a.   who is 91 years of age or older when You make Your Qualifying
Travel Purchase; or
b.   that occurred before You made Your Qualifying Travel Purchase;
2.   any Terminal Illness of a Close Relative which was diagnosed before
You made Your Qualifying Travel Purchase;
3.   circumstances where there was a reasonable likelihood that a return
Home would be necessary before You made Your Qualifying Travel
Purchase or where a reasonable person should have foreseen such
a likelihood;
4.   any airfares booked or paid for after the Event that caused the
interruption to Your Long International Trip;
5.   an epidemic, pandemic or outbreak of an infectious disease or virus
or any derivative or mutation of such viruses. 
EXCESS – RESUMPTION OF LONG INTERNATIONAL TRIP COVER 
As noted in the Schedule of Benefits. 
Section (G) Personal Baggage, Valuables, Money And Travel
Documents Cover 
This benefit is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benefits within this Policy to confirm the
amount of cover available under this section. 
COVER – PERSONAL BAGGAGE, VALUABLES, MONEY AND TRAVEL
DOCUMENTS COVER 
If during Your Trip, Your: 
Accidental Damage 
1.   Personal Baggage, Valuables or Travel Documents are accidentally
damaged or destroyed; or 
Accidentally Lost 
2.   Personal Baggage, Valuables, Money or Travel Documents are
accidentally lost; or 
Stolen from Hold 
3.   Personal Baggage or Travel Documents are stolen when they have been
checked in or stowed in the luggage hold of an airplane, ship, bus or
train, where You had no access to that Personal Baggage until the end of
the transport; or 
Stolen from Designated Storage Area 
4.   Personal Baggage, Valuables, Money or Travel Documents are stolen
when they have been stowed in a specially designated area (such as
overhead compartment, luggage rack or hotel storage room) on an
airplane, ship, bus or train transport or with an accommodation
provider; or 
Stolen from Locked Accommodation 
5.   Personal Baggage, Valuables, Money or Travel Documents are
stolen from Your locked accommodation (excluding motor vehicle
accommodation) where the accommodation was reasonably able to be
locked; or 
Stolen from Motor Vehicle 
6.   Personal Baggage (excluding Valuables or Money) or Travel Documents
left Unattended are stolen from a motor vehicle, where:

32 THE AMERICAN EXPRESS PLATINUM CARD 
a.   items were locked out of sight in a Secure Area; and
b.   Forcible Entry has been used by an unauthorised person to gain
entry to the vehicle; and
c.   evidence of such Forcible Entry is available; or 
Stolen from You 
7. Personal Baggage, Valuables, Money, or Travel Documents which are:
a.   carried by You; or
b.   under Your observation and within 3 metres of You,
are stolen,
We will, after We deduct the Excess from Your claim, do one of
the following:
•   pay You the reasonable costs for the item to be repaired if it is
practical and economic for the item to be repaired;
•   if it is not practical and economic to repair the item, We will pay
You to replace the item with the same or nearest type if the item is
available (i.e. make and model);
•   if the item cannot be repaired or replaced by You, We will pay You the
lesser of:
i.   the depreciated (which includes wear and tear) value of the
item; or
ii.   the current replacement cost of the item;
up to the maximum relevant cover section limit inclusive of sub-limits as
shown in the Schedule of Benefits. 
TERMS AND CONDITIONS – PERSONAL BAGGAGE, VALUABLES,
MONEY AND TRAVEL DOCUMENTS COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy). 
1.   Any payment will be based on the item’s depreciated value, repair
cost (to the condition before the loss) or current replacement cost,
as outlined directly above.
2.   You must take all reasonable precautions for the safety and
supervision of Your Personal Baggage, Valuables, Money and
Travel Documents.
3.   Any claims to a Pair or Set, if You agree to surrender the undamaged
item(s) of the Pair or Set to Us and We agree to accept them, We
will pay You the current replacement cost of the entire Pair or Set. If
You do not agree to surrender the undamaged items, We will only be
liable for the value of that part of a Pair or Set which has been lost,
stolen, damaged or destroyed. For example, if one earring is stolen,
We will only pay 50% of the cost of replacement earrings.
4.   If We ask, You must send to Us any damaged or undamaged items
and pay for postage.
5.   Theft of Personal Baggage (excluding Valuables or Money) or
Travel Documents left Unattended in a motor vehicle is subject to
the following:
a.   items must be locked out of sight in a Secure Area, and
b.   Forcible Entry must have been used by an unauthorised person
to gain entry to the vehicle, and
c.   evidence of such entry is available.
6.   To support all claims, You must supply a copy of the item’s purchase
receipt or invoice, or an alternative written or printed proof of the
purchase price or value.
7.   You must report loss, theft or criminal damage to the:
a.   local police; or
b.   appropriate issuing authority (in the case of Travel Documents), 
and a written report obtained where reasonably possible. If a written
report is not provided, You must provide evidence that You have
taken reasonable steps to report the loss, theft or criminal damage
including details of the time and place You made the report, and
the name and contact details of who You reported the loss, theft or
criminal damage to (to the extent such details are within Your power
to provide).
8.   Claims for damaged items in transit must be reported to the
carrier, tour, transport or accommodation provider and a written
report obtained where reasonably possible. If a written report is not
provided, You must provide evidence that You have taken reasonable
steps to obtain a report, such as emails, call logs or other
reasonable evidence to the travel or accommodation provider.
9.   Benefits will not be payable under more than one section or benefit
of this Policy as a result of one Event. We will, however, pay the
benefit type with the highest benefit amount. 
DEPRECIATION – PERSONAL BAGGAGE, VALUABLES, MONEY AND
TRAVEL DOCUMENTS COVER 
We will apply depreciation (wear and tear) to determine the value of Your
Personal Baggage and Valuables as specified in the table below.
Depreciation considers an item’s age, damage or change that is caused to
an item when it is used normally. Depreciation will be calculated from the
date of purchase of the item until the date of claimable Event, based on the
original purchase price.
For example: If You purchased a Smartphone for $1,000, went on a Trip and
the phone was stolen, We will calculate the number of months between the
date You purchased Your phone and the claimable Event date. Suppose the
number of months is 6, We will calculate the depreciation as follows:
• (-Excess) + purchase price – deprecation = amount payable
• Number of months = 6
• 6 multiplied by depreciation for Smartphone of 2.5% = 15%
• Depreciation: $1,000 multiplied by 15% = $150
•   Amount payable for Your stolen Smartphone: (-250) + $1,000 - $150
= $600

THE AMERICAN EXPRESS PLATINUM CARD 33 
EXCLUSIONS – PERSONAL BAGGAGE, VALUABLES, MONEY AND
TRAVEL DOCUMENTS COVER
(Please also refer to the General Exclusions Applicable to all Sections
within this Policy). 
We will not pay for or reimburse any costs arising from or relating to:
1.   any items loaned, hired or entrusted to You;
2.   loss, theft, criminal damage where there is insufficient evidence
that You have taken reasonable steps to report the incident to the
local police or appropriate issuing authority (in the case of Travel
Documents). Such evidence includes details of the time and place
You made the report, and the name and contact details of who You
reported the loss, theft or criminal damage to (to the extent such
details are within Your power to provide);
3.   damaged items in transit where a written report from the carrier,
tour, transport or accommodation provider is not provided and
where You are unable to evidence that You have taken reasonable
steps to obtain a written report from the carrier, tour, transport or
accommodation provider. Such evidence includes emails and call
logs to the carrier, tour, transport or accommodation provider or
other reasonable evidence; 
Items   Deduction for each month of age of the item
at the time of Event
Maximum Applicable Depreciation 
Electronic equipment   2.5%   65%
Camera (including accessories)   2.5%   65%
Sunglasses   1.5%   65%
Smartphone   2.5%   65%
Laptop   2.5%   65%
Jewellery   0%   0%
Sports equipment   2.0%   65%
Cosmetics   2.5%   65%
Clothing   1.9%   65%
Other personal items   1.5%   65%
4.   electrical or mechanical breakdown of items;
5.   items left Unattended in a Public Place (unless You have no option
other than to leave the items Unattended due to an emergency
medical, security or evacuation situation);
6.   Valuables or Money left Unattended in a motor vehicle (unless You
have no option other than to leave the items Unattended due to an
emergency medical, security or evacuation situation);
7.   Personal Baggage or Travel Documents left Unattended and which
are stolen from a motor vehicle if the items have not been locked
in the Secure Area (unless You have no option other than to leave
the Personal Baggage or Travel Documents Unattended due to an
emergency medical, security or evacuation situation);
8.   Valuables or Money within Your Personal Baggage checked in or
stowed in the luggage hold of an airplane, ship, bus or train;
9.   atmospheric or climatic conditions, wear and tear (damage that
naturally and inevitably occurs as a result of normal wear or ageing),
vermin, insects, rodents or any process of cleaning, repairing,
restoring or alteration;
10.   any business goods or specialised equipment relating to a trade or
profession; 
Depreciation Table

34 THE AMERICAN EXPRESS PLATINUM CARD 
11.   the confiscation or destruction by order of any government or
public authority;
12.   any items sent under the provisions of any freight contract, postal,
courier or similar service;
13.   damage to fragile or brittle items unless caused by fire or resulting
from an accident to an aircraft, sea vessel or motor vehicle;
14.   any drones, sporting equipment, bicycles, surfboards or waterborne
craft (including their ancillary equipment) of any description whilst
in use;
15.   any motor vehicle, motor vehicle accessories or parts, motorised or
propelled vehicles such as scooters, electric bicycles or golf buggies;
16.   shortages, errors, omissions, depreciation in value in respect of
Money and Travel Documents;
17.   any bonds, coupons, gift cards, stamps, vouchers, warranties, pre-
loaded or rechargeable cards including but not limited to phone,
debit or stored value cards;
18.   loss of Money or Valuables from Your accommodation unless
evidence is available of unauthorised entry to Your accommodation;
for example: evidence of Forcible Entry, key entry recording or
CCTV footage;
19.   any of the following: animals or plant life, antiques and historical
artefacts, securities, or documents of any kind other than those
within the definition of Money and Travel Documents, china,
consumable or perishable items, contact or corneal lenses,
dentures, glass, hearing aids, keys, musical instruments,
pictures, photos;
20.   lost or stolen cryptocurrency. 
EXCESS – PERSONAL BAGGAGE, VALUABLES, MONEY AND TRAVEL
DOCUMENTS COVER 
As noted in the Schedule of Benefits. 
Section (H) Personal Liability Cover 
This benefit is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benefits within this Policy to confirm the
amount of cover available under this section. 
COVER – PERSONAL LIABILITY COVER
1. Personal Liability Cover 
If during Your Trip, You become unintentionally legally liable to pay
compensation to someone (other than a member of Your family or a Close
Relative) as a result of:
1.   an injury or death to that person; or
2.   accidental physical damage or loss to someone else’s
tangible property
We will pay or reimburse costs up to the maximum relevant cover section
limit inclusive of sub-limits as shown in the Schedule of Benefits for:
a.   Your legal costs;
b.   damages that are recoverable from You;
c.   costs that are incurred with Our consent (which will not be
unreasonably withheld or delayed);
d.   costs for legal representation at any coroner’s inquest or fatal
accident inquiry or in a court of summary jurisdiction. 
TERMS AND CONDITIONS – PERSONAL LIABLITY COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy). 
1.   You must not admit liability, negotiate, make any promise, payment
or settlement without Our prior written consent (which will not be
unreasonably withheld, delayed or conditioned).
2.   You must as soon as reasonably possible once You receive them,
send Us every letter, claim, writ, summons, process, notice of any
prosecution or inquest that relates to, or may give rise to, liability.
3.   We may at any time make full and final settlement of any claim
at Our cost up to the maximum limit as shown in the Schedule of
Benefits pursuant of this Personal Liability Cover. If We do so, We will
have no further liability in respect of such Event or Events except for
the payment of costs and expenses incurred prior to the date
of settlement.
4.   We may make any investigation We deem necessary. 
EXCLUSIONS – PERSONAL LIABILITY COVER
(Please also refer to the General Exclusions applicable to all Sections
within this Policy). 
We will not pay for or reimburse any costs arising from or relating to:
1.   You intentionally incurring any liability;
2.   injury to any person who is a member of Your family, a Close Relative
or under a contract of service or apprenticeship with You;
3.   loss of or damage to any material property belonging to You, or in
Your care, custody or control, or belonging to a member of Your
family, a Close Relative, or anyone under a contract of service or
apprenticeship with You. This does not apply to loss of or damage
to buildings and their contents temporarily occupied by You during
a Trip;
4.   liability You incur under a contract or agreement which You would
not have in the absence of such contract or agreement;
5.   any unlawful, wilful or malicious act by You and including any assault
and/or battery committed by You;
6.   aggravated, exemplary or punitive damages or the payment of any
fine or penalty;
7.   liability arising out of the transmission of a sexually transmittable
disease or passing on an illness, virus or disease to another person;
8.   liability arising directly or indirectly out of the ownership,
possession, control or use by You or on Your behalf of:
a.   mechanically propelled vehicles, aircraft (including drones),
hovercraft or watercraft (other than non-mechanically propelled
watercraft less than 10 metres in length);
b.   firearms; or

THE AMERICAN EXPRESS PLATINUM CARD 35 
c.   animals (other than horses and domestic pets);
9.   injury or loss of or damage to material property arising directly or
indirectly from:
a.   the ownership possession or occupation of land, immobile
property or caravans other than as temporary accommodation in
the course of a Trip;
b.   the carrying on of any trade, business or profession;
10.   liability arising directly or indirectly from Excluded Sports and
Activities. 
EXCESS – PERSONAL LIABILITY COVER 
As noted in the Schedule of Benefits. 
Section (I) Loss of Income Cover 
This benefit is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benefits within this Policy to confirm the
amount of cover available under this section. 
COVER – LOSS OF INCOME COVER
1. Temporary Total Disablement – Loss of Income Cover 
If You are employed or self-employed at the time You are on Your Trip, and
during the course of the Trip, You suffer an Injury or Illness which:
a) was not a Pre-Existing Medical Condition; and
b)   leads to Temporary Total Disablement, as confirmed by Your treating
Doctor; and
c)   causes the loss of Your entire regular Monthly Salary lasting 30 days
or longer,
We will pay for any 1 Injury or Illness, Your Monthly Salary up to the
maximum relevant cover section limit inclusive of sub-limits as shown in
the Schedule of Benefits for a maximum period of 5 months. 
TERMS AND CONDITIONS – LOSS OF INCOME COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy). 
1.   You must see a Doctor. The first day of Your Temporary Total
Disablement is the date from which Your Doctor confirms You are
unable to engage in Your Usual Work.
2.   You must provide Us with the treating Doctor’s certificate confirming
Your continuing Temporary Total Disablement at the end of the first
30 days and/or as soon as reasonably possible after 30 days and
after every subsequent 30 day period or within a reasonable time
of whenever We reasonably request it. Medical certificates must be
provided at Your cost.
3.   We will pay 1 monthly benefit on or after the 31st day and continue
to pay for each complete calendar month (subject to the relevant
section limits and maximum period), or until You are no longer
suffering Temporary Total Disablement as deemed to be medically
fit by a treating Doctor or by Chubb Assistance’s medical officer.
4.   After the first 30 days of Temporary Total Disablement, if Temporary
Total Disablement is less than a complete calendar month, We will
pay a benefit of one-thirtieth (1/30th) of the monthly benefit for
each subsequent day of Temporary Total Disablement.
5.   In the event of claims for separate periods of Temporary Total
Disablement resulting from the same or different conditions or
causes, We will only pay a Temporary Total Disablement monthly
benefit if You have been in employment or self-employed and
engaged in Your usual employment duties for 90 consecutive days
between each period of Temporary Total Disablement.
6.   If 2 periods of Temporary Total Disablement resulting from the
same condition or cause are separated by less than 90 days, We
will treat this as 1 claim. Therefore, the first 30 days will not apply
to the second period of Temporary Total Disablement. However, We
will not pay for any days when You did not suffer Temporary Total
Disablement. 
EXCLUSIONS – LOSS OF INCOME COVER
(Please also refer to the General Exclusions applicable to all Sections
within this Policy). 
We will not pay for or reimburse any costs arising from or relating to:
1.   any future income You expect or could receive as part of any bonus or
bonus structure, salary increase, salary sacrifice scheme or employee
benefit scheme (such as shares);
2.   Pre-Existing Medical Conditions. 
EXCESS – LOSS OF INCOME COVER 
As noted in the Schedule of Benefits. 
Section (J) Hijack Cover 
This benefit is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benefits within this Policy to confirm the
amount of cover available under this section. 
COVER – HIJACK COVER
1. In the event of Hijacking 
If during Your Trip, Your Public Transport is Hijacked by persons using
violence or threat of violence and You are detained in excess of 24 hours as
a result of the Hijack, We will pay costs for:
a) a return economy airfare; and
b) extra accommodation (room-only) for each 24-hour period;
for Your Close Relatives to travel and stay at the location of the Hijacking,
up to the maximum relevant cover section limit inclusive of sub-limits as
shown in the Schedule of Benefits. 
TERMS AND CONDITIONS – HIJACK COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy). 
1.   Payment and cover start after the first 24 hours from the time a
government authority had been notified of the Hijacking.

36 THE AMERICAN EXPRESS PLATINUM CARD 
2.   We will not act as Your negotiator or intermediary or advise You or any
person in dealing with the Hijackers. 
EXCESS - HIJACK COVER 
As noted in the Schedule of Benefits. 
Section (K) Kidnap Cover 
This benefit is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benefits within this Policy to confirm the
amount of cover available under this section. 
COVER – KIDNAP COVER
1. In the event of Kidnap 
If during Your Trip, You are Kidnapped, We will pay costs for;
a) a return economy airfare; and
b) extra accommodation (room-only) for each 24 hour period;
for Your Close Relatives to travel and stay at the location of the Kidnapping,
up to the maximum relevant cover section limit inclusive of sub-limits as
shown in the Schedule of Benefits. 
TERMS AND CONDITIONS – KIDNAP COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy). 
1.   Payment and cover start after the first 24 hours from the time a
government authority had been notified of the Kidnapping.
2.   We will not act as Your negotiator or intermediary or advise You or any
person in dealing with the Kidnappers. 
EXCESS – KIDNAP COVER 
As noted in the Schedule of Benefits. 
Section (L) Loss Damage Waiver Cover 
This benefit is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benefits within this Policy to confirm the
amount of cover available under this section. 
COVER – LOSS DAMAGE WAIVER COVER 
If You hire a Rental Vehicle for 31 days or less from a Rental Company, We
will pay the amount You are responsible for under the Rental Agreement, as
a result of accidental damage, fire, vandalism or theft of the Rental Vehicle.
This will apply whether You are responsible or not for the accident.
If You have obtained or purchased insurance (or a waiver cover) for loss or
damage to a Rental Vehicle:
We will pay or reimburse You the Rental Vehicle Deductible arising from
an Event that You become liable to pay, up to the maximum relevant cover
section limit inclusive of sub-limits as shown in the Schedule of Benefits.
If You have not obtained or purchased insurance (or a waiver cover) for loss
or damage to the Rental Vehicle:
We will pay or reimburse You the lesser of:
• the repair costs to the Rental Vehicle arising from an Event; or
•   if not possible or economically practical to repair the Rental Vehicle,
the replacement value of the Rental Vehicle,
that You become liable to pay under the Rental Agreement, up to the
maximum relevant cover section limit inclusive of sub-limits as shown in
the Schedule of Benefits. 
TERMS AND CONDITIONS – LOSS DAMAGE WAIVER COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy). 
1.   You must be the nominated driver or specified driver under the
Rental Agreement.
2.   You must have a valid international driving licence or a driver’s
licence that permits You to legally drive the Rental Vehicle in the
country You are driving the Rental Vehicle.
3.   You must be 21 years or older and under 80 years of age before You
make Your Qualifying Rental Vehicle Purchase in order to claim under
this benefit.
4.   Cover will take effect from the time You take legal control of the
Rental Vehicle and will cease at the time the Rental Company
assumes control of the Rental Vehicle whether at its business
location or elsewhere.
5.   Claims will not be paid in respect of expenses to the extent that they
are assumed, waived or paid by the Rental Company or its insurers.
6.   No amount payable under this cover will carry interest unless
payment has been unreasonably delayed following Our receipt of all
the required information, documents or other evidence necessary to
support the claim.
7.   Losses will not be paid in respect of any property or expenses insured
under another policy or any claim which should be recoverable under
any other insurance.
8.   We may at Our own expense take proceedings in Your name
to recover compensation from any third party (subject to any
restrictions imposed at law, including under the Insurance Contracts
Act 1984 (Cth)) in respect of any indemnity provided under this cover
and any amounts so recovered will belong to Us and You will provide
reasonable assistance to Us. 
EXCLUSIONS – LOSS DAMAGE WAIVER COVER
(Please also refer to the General Exclusions applicable to all Sections
within this Policy). 
We will not pay for or reimburse any costs arising from or relating to:
1.   Rental Vehicle hire for longer than 31 days;
2.   rental of trucks, buses (except for mini buses hired for recreational
purposes), other commercial vehicles, trailers, caravans,
campervans, motorcycles, mopeds, motorbikes, motor homes,
scooters or bikes;

THE AMERICAN EXPRESS PLATINUM CARD 37 
3.   use of the Rental Vehicle in, or in training for, racing competitions,
trials, rallies or speed testing;
4.   operation of the Rental Vehicle in violation of the terms of the
Rental Agreement;
5.   where You are not a nominated driver or specified driver under the
Rental Agreement;
6.   where You do not have an appropriate and a valid driving licence
giving You legal rights to drive;
7.   anyone under the age of 21 years or over the age of 79 years before
You make Your Qualifying Rental Vehicle Purchase;
8.   Rental Vehicles with a retail purchase price in excess of $125,000;
9.   vehicles over 20 years old;
10.   petrol, loss of use, penalties or fines;
11.   any process of cleaning, repairing, restoring or alteration;
12.   Any damage that results in You filling the vehicle with inappropriate
petrol or diesel that is not specified by the manufacturer;
13.   Any pre-existing damage. 
EXCESS – LOSS DAMAGE WAIVER COVER 
As noted in the Schedule of Benefits. 
Section (M) Card Purchase Cover 
This benefit is only available when You meet the eligibility criteria set out in
the Eligibility Table. 
COVER – CARD PURCHASE COVER
1. Theft Or Damage Of an Eligible Item 
If Your Eligible Item is stolen or damaged within 90 days of purchase,
We will:
•   pay You the reasonable costs for the Eligible Item to be repaired if it
is practical and economic for the Eligible Item to be repaired;
•   If it is not practical and economic for You to have the Eligible Item
repaired, We will reimburse You with the replacement amount not
exceeding the original purchase price of the Eligible Item;
up to the maximum relevant cover section limit inclusive of sub-limits as
shown in the Schedule of Benefits. 
TERMS AND CONDITIONS – CARD PURCHASE COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy). 
1.   If an Eligible Item has been partially paid for with either Your
American Express Card Account or by using Your corresponding
American Express Membership Rewards points, then We will only
pay such percentage of the purchase price that was paid with Your
American Express Card Account or Your corresponding American
Express Membership Rewards points.
2.   Any claims to a Pair or Set, if You agree to surrender the undamaged
item(s) of the Pair or Set to Us and We agree to accept them, We
will pay You the current replacement cost of the entire Pair or Set. If
You do not agree to surrender the undamaged items, We will only be
liable for the value of that part of a Pair or Set which has been lost,
stolen, damaged or destroyed. For example, if one earring is stolen,
We will only pay 50% of the cost of replacement earrings
3.   An Eligible Item which is left Unattended in a Public Place and which
is not subsequently recovered will not constitute theft unless You
have no option other than to leave the Eligible Item Unattended due
to an emergency medical, security or evacuation situation.
4.   If You purchase the Eligible Item as a gift for someone else, You may
request for Us to pay a valid claim directly to the recipient of the gift.
5.   You must provide Us with copies of invoices and/or receipts relating
to the Eligible Item purchase. Upon request, You must also provide
Us with the damaged Eligible Item or receipt as proof of mailing/
shipping.
6.   Claims for theft or criminal damage must be reported to the local
police and a written report obtained where reasonably possible. If a
written report is not provided, You must provide evidence that You
have taken reasonable steps to report the theft or criminal damage
including details of the time and place You made the report, and the
name and contact details of who You reported the theft or criminal
damage to (to the extent such details are within Your power to
provide). 
EXCLUSIONS – CARD PURCHASE COVER
(Please also refer to the General Exclusions applicable to all Sections
within this Policy). 
We will not pay for or reimburse any costs arising from or relating to:
1.   damage to an Eligible Item wilfully damaged by You;
2.   claims for theft or criminal damage where there is insufficient
evidence that You have taken reasonable steps to report the incident
to the local police. Such evidence includes details of the time and
place You made the report, and the name and contact details of who
You reported the theft or criminal damage to (to the extent such
details are within Your power to provide);
3.   an Eligible Item which is left Unattended in a Public Place unless You
have no option other than to leave the Eligible Item Unattended due
to an emergency medical, security or evacuation situation;
4.   normal wear and tear (damage that naturally and inevitably occurs
as a result of normal wear or ageing) to Eligible Items;
5.   damage to an Eligible Item caused by product defects;
6.   theft of or damage to an Eligible Item left Unattended in a motor
vehicle, except when:
i.   the Eligible Item is locked out of sight in a Secure Area and
Forcible Entry has been used by an unauthorised person to
gain entry to the vehicle, and evidence of such Forcible Entry is
available; or
ii.   You have no option other than to leave the Eligible Item
Unattended due to an emergency medical, security or
evacuation situation.
7.   theft of or damage to jewellery, watches, precious metals
and gemstones in baggage unless carried by hand and
under Your personal supervision or under the supervision of
a Travelling Companion;

38 THE AMERICAN EXPRESS PLATINUM CARD 
8.   theft of or damage to:
a.   animal or plant life, perishable goods (including but not limited to
food, drugs, fuel or oil);
b.   software, operating systems or firmware;
c.   cash, its equivalents, traveller’s cheques, tickets or
negotiable instruments;
d.   a boat, automobiles, motorboats, airplanes or any
other motorised vehicles and their integral parts and
installed accessories;
e.   second-hand items, including antiques. 
EXCESS – CARD PURCHASE COVER 
As noted in the Schedule of Benefits. 
Section (N) Card Refund Cover 
This benefit is only available when You meet the eligibility criteria set out in
the Eligibility Table. 
COVER – CARD REFUND COVER
1. Card Refund Cover For an unused Eligible Item 
If You purchase an Eligible Item from a retailer operating in Australia and
with an Australian address,
and within 90 days from the date You purchased the Eligible Item You
try to return it, and the retailer will not take it back, provided the Eligible
Item is unused, You can return it to Us and We will reimburse You with the
replacement amount not exceeding the original purchase price of the
Eligible Item.
However, We will only pay up to the maximum relevant cover section limit
inclusive of sub-limits as shown in the Schedule of Benefits. 
TERMS AND CONDITIONS – CARD REFUND COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy). 
1.   You must provide to Us copies of invoices and/or receipts relating to the
Eligible Item. Upon request, You must also provide Us with the unused
Eligible Item. 
EXCLUSIONS – CARD REFUND COVER
(Please also refer to the General Exclusions applicable to All Sections
within this Policy). 
We will not pay for or reimburse any costs arising from or relating to:
1. an Eligible Item that is faulty;
2. an Eligible Item with a purchase price of $50 or less;
3.   an Eligible Item purchased from the retailer where the retailer has an
established return policy which provides the same or a better benefit
than this benefit;
4. Items purchased from a retailer outside of Australia;
5.   an Eligible Item that can be returned to the retailer in accordance with
rights provided by existing legislation;
6.   jewellery; precious stones; rare and precious coins or stamps,
one-of-a-kind items including antiques, artwork and furs, cash or its
equivalents, travellers’ cheques, tickets, services, PDAs, Smartphones
and accessories, recorded media (including but not limited to CDs,
DVDs, computer software, video and audio tapes); books; animal
and plant life; consumable and perishable goods (i.e. food items);
healthcare items; used or rebuilt and refurbished items; sale or
discounted items; motorised vehicles and their parts; land and
buildings; items permanently affixed to home, office or vehicles. 
EXCESS – CARD REFUND COVER 
As noted in the Schedule of Benefits. 
Section (O) Buyer's Advantage Cover 
This benefit is only available when You meet the eligibility criteria set out in
the Eligibility Table. 
SPECIFIC DEFINITIONS – BUYER'S ADVANTAGE COVER
Original Warranty   means a manufacturer’s written warranty that does not
exceed 5 years and is applicable within Australia to the Eligible Item. 
COVER – BUYER'S ADVANTAGE COVER 
You will receive cover for the breakdown or defect of an Eligible Item
purchased, provided that such breakdown or defect would have been
covered by the Original Warranty and occurs between the date that the
Original Warranty expired and the end of the Buyer's Advantage Period
(see table below).
Buyer's advantage commences on expiry of the original
manufacturer’s warranty.

THE AMERICAN EXPRESS PLATINUM CARD 39 
Where the Original Warranty
period is:
The Buyer's Advantage Period is: 
1 month   1 month commencing at the end of the Original Warranty Period (i.e. a combined warranty period of 2 months)
6 months   6 months commencing at the end of the Original Warranty Period (i.e. a combined warranty period of 12 months)
1 – 5 years   1 Year commencing at the end of the Original Warranty Period (i.e. a combined warranty period of 2-6 years)
5+ years   No Cover
We will, after We first deduct the applicable Excess from Your claim, do one
of the following:
•   pay You the reasonable costs to repair or rebuild the Eligible Item if it
is practical and economic for the item to be repaired;
•   if it is not practical and economic for You to have the Eligible Item
repaired or rebuilt, We will pay You the lesser of the original purchase
price or the replacement cost of the Eligible Item;
up to the maximum relevant cover section limit inclusive of sub-limits as
shown in the Schedule of Benefits. 
TERMS AND CONDITIONS – BUYER'S ADVANTAGE COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy). 
1.   You will need to provide a copy of the Original Warranty, the sales
receipt and account statement showing the purchases as You need
these in order to make a claim.
2.   Claims to a Pair or Set, if You agree to surrender the undamaged
item(s) of the Pair or Set to Us and We agree to accept them, We
will pay You the current replacement cost of the entire Pair or Set. If
You do not agree to surrender the undamaged items, We will only be
liable for the value of that part of a Pair or Set which has been lost,
stolen, damaged or destroyed. For example, if one earring is stolen,
We will only pay 50% of the cost of replacement earrings. 
EXCLUSIONS – BUYER'S ADVANTAGE COVER
(Please also refer to the General Exclusions applicable to all Sections
within this Policy). 
We will not pay for or reimburse any costs arising from or relating to:
1.   any loss or damage caused by a failure to take reasonable care to
protect and maintain an Eligible Item against loss or damage or
mitigate any loss or damage to the property;
2.   any obligations, costs or losses beyond those set out in the
Original Warranty;
3.   any payments, costs, expenses or claims for bodily injury, property
damage, consequential loss or damage, loss of profit, punitive
damages or legal costs associated in any way with the product other
than for parts or labour costs resulting from a covered breakdown
or defect;
4.   any costs for:
a.   an Eligible Item purchased in a business name or business
owned or business related;
b.   a boat, automobiles, motorboats, airplanes or any
other motorised vehicles and their integral parts and
installed accessories;
c.   second-hand items, including antiques;
d.   real estate or immovable fixtures or fittings (including but not
limited to integrated stove tops, integrated ovens and fixed air
conditioners) which are, or are intended to form part of any
residential home. 
Excess Applicable To Buyer's Advantage Cover 
As noted in the Schedule of Benefits. 
Section (P) Smartphone Screen Cover 
This benefit is only available when You meet the eligibility criteria set out in
the Eligibility Table. 
COVER – SMARTPHONE SCREEN COVER
1. Smartphone Screen Cover 
Where You make a Qualifying Smartphone Screen Purchase, You
are eligible to receive reimbursement of the repair cost when Your
Smartphone suffers front screen breakage resulting from an accidental
drop or impact.
We will only pay up to the maximum relevant cover section limit inclusive
of sub-limits as shown in the Schedule of Benefits.
For the purposes of this cover section:
•   Smartphone Data Plan does not include pre-paid, top up or add-on
plans or purchases;
•   Smartphone does not mean tablets or smart watches; and
•   Smartphones purchased new more than 3 years before the relevant
claim Event are not eligible for cover.

40 THE AMERICAN EXPRESS PLATINUM CARD 
TERMS AND CONDITIONS – SMARTPHONE SCREEN COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy). 
1.   Reimbursement is restricted to 2 eligible claims in any 365 day period
beginning when the first claim Event occurs. 
EXCLUSIONS – SMARTPHONE SCREEN COVER
(Please also refer to the General Exclusions applicable to All Sections
within this Policy). 
We will not pay for or reimburse any costs arising from or relating to:
1.   replacement of any other parts of the Smartphone other than the
glass or plastic front screen unless the manufacturer’s authorised
process determines a replacement by way of a like for like
refurbished Smartphone of the exact model;
2.   Smartphone screen breakage resulting from:
a.   any process of cleaning, servicing, inspection, maintenance,
adjustment or repair;
b.   breach of the manufacturer’s operating or guidance instructions;
c.   wear and tear or gradual deterioration of the equipment, or any
damage that cannot be attributed to a single incident;
d.   corrosion, rust, condensation or evaporation, dampness, dust or
change in temperature, unless directly attributed to sudden and
unforeseen damage;
e.   any wilful act, misuse or negligent use of the equipment by You
or anyone authorised by You to use the equipment;
f.   any unlawful act committed or attempted by You or by anyone
authorised by You to use the equipment;
3.   Smartphone screen breakage if You have not made a Qualifying
Smartphone Screen Purchase;
4.   a Smartphone which was purchased new more than 3 years before
the relevant claim Event. 
EXCESS – SMARTPHONE SCREEN COVER 
10% of the repair cost 
General Exclusions Applicable To Sections A–P Above 
These exclusions apply to all covers described in this Policy unless
specified otherwise. They are listed in no particular order. There are also
specific exclusions which You can find under each cover section.
Common Exclusions
We will not pay for or reimburse any costs under any section of this Policy
arising from or relating to:
1.   any person who is not a Resident of Australia;
2.   any costs with respect to Cuba;
3.   direct or indirect, actual, alleged or threatened discharge, dispersal,
seepage, migration, escape, release of or exposure to any hazardous
biological, chemical, nuclear or radioactive material, gas, matter
or contamination;
4.   Insolvency of any person, company or organisation, including but
not limited to a travel agent, tour operator, accommodation provider,
airline or other carrier, vehicle rental agency or any other travel or
tourism services provider;
5.   any loss of enjoyment or any financial loss not specifically covered
under this Policy;
6.   any loss which is recoverable from any other source including
another insurance policy covering the same Event or through
compensation under any other workers compensation act, transport
accident laws or any other applicable similar legislation or by
Government sponsored fund, plan, medical benefit scheme required
to be effected by or under a law;
Medical and Health Exclusions
We will not pay for or reimburse any costs under any section of this Policy
arising from or relating to:
7.   any Pre-existing Medical Conditions (except under Section F –
Resumption of a Long International Trip Cover);
8.   You, a Travelling Companion's or Close Relative’s Terminal
Illness which was diagnosed before You made Your Qualifying
Travel Purchase;
9.   any costs arising directly from You being unfit to travel if You knew,
or a reasonable person in Your circumstances would have known,
that You were unfit to travel (whether or not You had sought medical
advice);
10.   Treatment from, or medical advice given, by a legally registered
doctor or a legally registered dentist who is You or Your Close
Relative except in a life-threatening emergency;
Trip Exclusions
We will not pay for or reimburse any costs under any section of this Policy
arising from or relating to:
11.   circumstances when after You made Your Qualifying Travel Purchase,
You start a Trip against the following advice:
i.   for an International Return Trip: when an Australian State or
Territory or the Australian Federal Government or an Australian
government agency (such as DFAT) have issued a travel advisory
warning, advising You to ‘Do Not Travel’ or that borders are
closed, for the destination You planned to travel to. Please refer
to who.int, smartraveller.gov.au, dfat.gov.au or other government
sites for further information. This exclusion applies even if You
have been granted a travel exemption by an Australian State or
Territory, the Australian Federal Government or an Australian
government agency (such as DFAT) to travel;
ii.   for a Domestic Return Trip: when an Australian State, Territory,
the Australian Federal Government or an Australian government
agency (such as DFAT) have issued an official written government
statement advising You not to travel to Your destination, or that
borders are closed for the destination You had planned to travel
to; or
iii.   when a Doctor has deemed You unfit to travel;
12.   Trips that do not start and end in Australia;

THE AMERICAN EXPRESS PLATINUM CARD 41 
13.   any One-Way Trip where You are unable to provide reasonable
evidence of Your intention to return to Your Home or Your Work. Such
evidence may include providing copies of a return ticket, itinerary or
schedule, return transfer or accommodation bookings, confirmation
of return to Work dates;
14.   Trips you take if You are 80 years of age or older when You made Your
Qualifying Travel Purchase;
15.   a Domestic Return Trip that is less than 150 kilometre radius from
Your Home;
Conduct Exclusions
We will not pay for or reimburse any costs under any section of this Policy
arising from or relating to:
16.   being under the influence of alcohol whilst operating a motor
vehicle, where You have a recorded blood alcohol concentration
(BAC) greater than the limit prescribed by the applicable governing
authority, or at all other times having a recorded blood alcohol
concentration (BAC) greater than 0.10%;
17.   taking of any drug, medication, narcotic or hallucinogen, unless
as prescribed by a Doctor and taken in accordance with the
prescription and Doctors’ advice but is not for the treatment of
addiction to illegal drugs;
18.   intentionally self-inflicted injury or suicide (or any attempt thereof);
19.   commission of or attempt to commit an illegal act by or on behalf
of You or Your beneficiaries. This exclusion does not apply to any
Covered Person who is not the perpetrator of any such illegal act, or
who did not know of or condone any such act;
Activity Exclusions
We will not pay for or reimburse any costs under any section of this Policy
arising from or relating to:
20.   Your participation, involvement or taking part in Excluded Sports
and Activities while on a Trip;
21.   any costs where You are participating in a sporting event with
an appearance fee, wage, salary or prize money which in total is
an amount equal to 15% of Your annual income from all sources.
Participation includes training for, coaching or otherwise competing
in that sporting event;
22.   travel into hazardous work sites (e.g. underwater, mines,
construction sites, oilrigs, etc.);
23.   service in armed forces (military, naval or air service) of any country
except Australia where cover applies for Cancellation, Curtailment
or Trip Change under Section A – Trip Cancellation and Amendment
Cover (specified Event number 4);
24.   participation in any military or emergency services such as police or
fire-fighting;
25.   activities undertaken as an operator or crew member of any form
of transport;
26.   flying in military aircraft or any aircraft which requires special
permits or waivers;
27. You are riding a motorcycle:
a) without wearing a helmet (either as a driver or passenger);
b)   as the driver without being licensed in both Australia and the
country of travel to drive such a motorcycle; or
c)   whilst racing or participating in a professional capacity
or motocross;
World Event Exclusions
We will not pay for or reimburse any costs under any section of this Policy
arising from or relating to:
28.   declared or undeclared war or any act thereof; however, any act
committed by an agent of any government, party or faction engaged
in war, hostilities or other warlike operations provided such agent is
acting secretly and not in connection with any operation of armed
forces (whether military, naval or air forces) in the country where
the injury occurs will not be deemed an act of war;
29.   an act of Terrorism except when such Event occurs under the
cover in Section C – Personal Accident Cover, Section E – Medical
Emergency Expenses Cover, Section J – Hijack Cover or Section K –
Kidnap Cover of this Policy;
Pregnancy and Childbirth Exclusions
We will not pay for or reimburse any costs under any section of this Policy
arising from or relating to:
30.   childbirth or any newborn child, meaning a newborn (whether
premature or otherwise) is not considered a Covered Person under
this Policy if the child was born on the Trip;
31. pregnancy in the following circumstances:
a)   any past medical condition(s) relating to a previous pregnancy
or if You have experienced pregnancy complications prior to You
making Your Qualifying Travel Purchase;
b)   for any costs under Section E – Medical Emergency Expenses
Cover or Section A – Trip Cancellation and Amendment Cover
within 8 weeks of Your estimated date of delivery;
c)   for any costs under Section E – Medical Emergency Expenses
Cover arising from or relating to an abortion, unless an
abortion is medically necessary to protect the health and safety
of the mother following an Injury or Illness, as determined by a
treating Doctor;
d)   for any costs under Section E – Medical Emergency Expenses
Cover arising from fertility treatment or treatment associated with
an assisted reproduction program including but not limited to, in
vitro fertilisation (IVF). 
General Conditions Applicable To All Sections 
1.   You must not agree to limit or exclude any right of recovery You may
have against a third party for loss, damage or liability that is or may
be subject to a claim under this cover. You agree that We have the
right to pursue Your rights of recovery against a third party (where
permitted by law) for loss, damage or liability that is or is likely to be
subject to a claim under this cover and You must reasonably assist

42 THE AMERICAN EXPRESS PLATINUM CARD 
Us to do so.
2.   If You make a claim under this cover, You must provide Us with
details of all other insurances that You are aware of that may cover
the loss, damage or liability that is subject to the claim.
3.   No amount payable under this cover will carry interest unless
payment has been unreasonably delayed following Our receipt of all
the required information, documents or other evidence necessary to
support the claim.
4.   You must take all reasonable measures to avoid or minimise
any claim. 
Assistance Services
Section (Q) Legal Assistance
Available Whilst On An International Return Trip Only
COVER – LEGAL ASSISTANCE
1. Referrals And Advance Of Lawyers’ Fees 
Chubb Assistance will provide You with the name, address and telephone
number of a local lawyer. Wherever Chubb Assistance has sufficient
information to do so, it will refer You to two or more lawyers. Although
the final selection of a lawyer will be the responsibility of You, Chubb
Assistance guarantees that any lawyer to whom it refers You will
be admitted to practice in accordance with the laws of the relevant
jurisdiction, be of good repute and not have been the subject of any
reprimand or malpractice proceedings. Chubb Assistance will advance
emergency funds to You to pay for fees and costs associated with such
representation. This amount will be billed to Your American Express Card
Account within 30 days from the date of advance of the legal fees. 
2. Advance Of Bail Bond 
Chubb Assistance will attempt to secure and properly post, where
possible, bail bonds for You for incarceration occasioned as a result of
a traffic accident or an administrative complication. The bond cost is
to be borne in full by You and will be billed to Your American Express
Card Account within 30 days from the date of posting of the bond, for
repayment.
We will pay or reimburse costs up to the maximum relevant cover section
limit inclusive of sub-limits as shown in the Schedule of Benefits. 
TERMS AND CONDITIONS – LEGAL ASSISTANCE
(Please also refer to the General Terms and Conditions Applicable to
Assistance Services, below). 
1.   The total advance for legal services and bail bonds per incident is
limited to the maximum cover section limit inclusive of sub-limits as
shown in the Schedule of Benefits.
2.   If You do not attend the court hearing at the arranged date, Chubb
Assistance may launch immediate action to recover the loss of the
bail bond and pursue You for immediate repayment. 
EXCESS – LEGAL ASSISTANCE 
As noted in the Schedule of Benefits. 
Section (R) Roadside Assistance
Available Within Tasmania And Mainland Australia Only
SPECIFIC DEFINITIONS – ROADSIDE ASSISTANCE
Covered Vehicle   means a sedan, station wagon, hatchback or sport utility
vehicle (SUV), that is less than 8 years old, is in good operating condition,
is registered, insured and owned in Australia, and is driven in Australia by
You or a driver employed by You, at the time of the Event requiring roadside
assistance services.
Vehicles are not covered if they:
a.   are being used for hire or reward;
b.   exceed (including any load carried) the following gross vehicle weight
and dimensions: 2,000 kg in weight; 7 metres in length; 3 metres in
height; 2.25 metres in width; or
c.   are used for motor racing, rallies, speed or duration tests, or practice
sessions for such events. 
COVER – ROADSIDE ASSISTANCE
1. Roadside Assistance 
If a Covered Vehicle is immobilised or rendered unroadworthy as a result
of accidental damage or breakdown, and You contact Chubb Assistance,
Chubb Assistance will arrange and pay for:
a.   on-the-spot roadside assistance, including the call-out charge, labour
for minor roadside repairs, up to a maximum of 10 litres of fuel (if
needed), but excluding any spare parts; or
b.   towing (valid only when the vehicle is travelling along trafficable
gazetted roads) to the nearest suitable repairer. A garage or specialist
undertaking repair work, other than at the roadside, will be acting as
Your agent for such repair work
up to the maximum relevant cover section limit inclusive of sub-limits as
shown in the Schedule of Benefits. 
2. Replacement Vehicle 
If a Covered Vehicle is immobilised or rendered unroadworthy as a result
of accidental damage or breakdown, and repairs cannot be effected
within 48 hours (excluding Sundays and Public Holidays), Chubb
Assistance will arrange and pay for the rental of a sedan, station wagon,
hatchback or sport utility vehicle (SUV) from an independent car rental
company nominated by Chubb Assistance, for use for a maximum of
3 consecutive days by You, providing towing of the Covered Vehicle to
the workshop has been arranged by Chubb Assistance. The make and
model of the rented vehicle may be determined based on availability of
rental vehicles at the independent car rental company. Only You will be
registered as the driver of the rented vehicle. You will be responsible for
costs of insurance cover, fuel, excess waivers, and other requirements
installed by the rental company. You are required to return the rented
vehicle to the address designated by the rental company or pay the cost
of collection or delivery.
We will pay up to the maximum relevant cover section limit inclusive of
sub-limits as shown in the Schedule of Benefits.

THE AMERICAN EXPRESS PLATINUM CARD 43 
3. Return Of You And Passenger/s To Your Home 
a) Less than 50 kilometres from Your Home 
If the immobilised Covered Vehicle is towed to a repair workshop
less than 50 kilometres from Your Home, Chubb Assistance will
arrange and pay for the transportation of You and up to four
passengers back to Your Home.
b) More than 50 kilometres from Your Home 
If the immobilised Covered Vehicle is towed to a repair workshop
more than 50 kilometres from Your Home, Chubb Assistance will
arrange and pay expenses for the transportation of You and up to four
passengers back to Your Home.
We will pay up to the maximum relevant cover section limit inclusive
of sub limits as shown in the Schedule of Benefits. 
4. Return Or Collection Of Vehicle After Repair 
a) Less than 50 kilometres from Your Home
If a Covered Vehicle is to be retrieved from a repair workshop located
less than 50 kilometres from Your Home, Chubb Assistance will
arrange a convenient time, book and pay for a taxi to take You to the
workshop to retrieve Your Covered Vehicle.
b) More than 50 kilometres from Your Home
If a Covered Vehicle is to be retrieved from a repair workshop located
more than 50 kilometres from Your Home, Chubb Assistance
will arrange and pay for the Covered Vehicle to be delivered by a
registered transporter to a depot near Your Home. Providing the
depot is located within 50 kilometres from Your Home, Chubb
Assistance will arrange a convenient time (but limiting consequential
expenses such as parking charges at the depot), book and pay for a
taxi to take You to the workshop to retrieve Your Covered Vehicle.
We will pay up to the maximum relevant cover section limit inclusive
of sub-limits as shown in the Schedule of Benefits. 
TERMS AND CONDITIONS – ROADSIDE ASSISTANCE
(Please also refer to the General Terms and Conditions Applicable to
Assistance Services, below). 
1.   Roadside assistance and/or towing services for vehicles located at
Your Home are not covered, unless You wish to bear the associated
costs.
2.   The following costs will be Your responsibility:
a.   any labour costs not incurred at the roadside; and
b.   the cost of replacement parts or other materials.
3.   The cover will cease automatically should any governmental
authority impound the Covered Vehicle.
4.   Once Chubb Assistance has been called, it is vital that Your Covered
Vehicle is attended by You. Should Chubb Assistance arrive at the
Covered Vehicle, and it is Unattended, then work cannot be carried
out and payment may be required for any subsequent calls-outs to
assist with the incident.
5.   If Chubb Assistance arranges for temporary roadside repairs to be
carried out to the Covered Vehicle, You are required to then as soon
as reasonably possible arrange for any permanent repairs that may
be necessary.
6.   You must ensure that any driver of the Covered Vehicle has a fully
valid driving licence.
7.   If You or anyone acting for You uses fraudulent or dishonest means,
or makes a false statement to:
a.   obtain cover; or
b.   make a false claim,
then all benefits under this Policy will be lost. Any fraudulently
obtained benefits must be repaid to Chubb.
8.   You will be required to provide Chubb Assistance with Your American
Express Card Account number, or any other payment card, to cover
any costs or expenses Chubb Assistance has paid out on Your behalf
that are not covered under this Policy. 
EXCLUSIONS – ROADSIDE ASSISTANCE
(Please also refer to the General Exclusions Applicable to Assistance
Services, below). 
We will not pay for or reimburse any costs arising from or relating to:
1.   claim arising from participation in motor racing, rallies, speed or
duration tests or practising for such events;
2.   previously inadequate repair to the Covered Vehicle;
3.   claim where the Covered Vehicle has not been maintained or
operated in accordance with the manufacturer’s recommendations;
4.   claim where the Covered Vehicle has been used for hire or reward, or
for the carriage of commercial goods;
5.   loss or damage deliberately carried out or deliberately caused by
You or a driver employed by You, at the time of an accident;
6.   loss, damage or expense which at the time of happening is insured
by, or would but for the existence of this cover, be insured by any
other existing certificate, policy, or any motor organisation’s service.
If You have any other policy in force that may cover the Event for
which You are claiming, You must tell Chubb Assistance. 
Excess Applicable To Roadside Assistance 
As noted in the Schedule of Benefits. 
Section (S) Home Assistance
Available Within Tasmania and Mainland Australia Only
SPECIFIC DEFINITIONS – HOME ASSISTANCE 
Emergency means a circumstance that poses an immediate threat to the
physical safety of Your Home or contents, which requires service in less
than 24 hours (e.g. a burst water pipe or a branch falling through the roof
of Your Home during a storm). 
COVER – HOME ASSISTANCE
1. Home Assistance 
Chubb Assistance will provide the following Home Assistance services
to You:
a.   24-hour referrals to service providers, including plumbers,
locksmiths, electricians and air-conditioning service specialists; and

44 THE AMERICAN EXPRESS PLATINUM CARD 
b.   organise and pay, up to a maximum of twice per year, the charges for
Emergency call-out for the above providers to go to Your Home. All
charges relating to labour and spare parts are to be borne by You. In
the case of non-Emergency call-outs, arrangements may be made
by Chubb Assistance but call-out costs will be the full responsibility
of You.
We will pay up to the maximum relevant cover section limit inclusive of
sub-limits as shown in the Schedule of Benefits. 
TERMS AND CONDITIONS – HOME ASSISTANCE 
1.   Reimbursement is restricted to 2 eligible claims in any 365-day
period beginning when the first claim Event occurs. 
EXCESS – HOME ASSISTANCE 
As noted in the Schedule of Benefits. 
General Terms And Conditions Applicable To Assistance Services,
Sections Q–S Above 
1.   Any fraud, forgery or false evidence on the part of You will
automatically end obligations to provide You with
Assistance Services.
2.   Chubb Assistance Services will use all available means to provide
all assistance services as detailed in this Policy. However, Chubb
Assistance cannot be held responsible for non-execution or delays
resulting from any cause or event not reasonably within its control,
including but not limited to Natural Disasters, war, military act of
foreign nations, revolution, insurrection, civil war, armed rebellion
or other similar disturbance or riot (“riot” meaning the state of
affairs in which national or local order is seriously disturbed by the
collective action of a group or groups of persons, and in which a
serious threat to peace and order is deemed to exist), civil strikes,
lockouts or other labour disturbance or the refusal of authorities
to permit the provision of such services, all acts of sabotage or
terrorism committed from concerted actions, radioactivity effects,
and all acts of God making impossible the execution of this Policy.
3.   To the extent it is reasonably practical, You must not attempt
to resolve problems encountered without first advising Chubb
Assistance. If You cannot demonstrate that You tried to contact
Chubb Assistance first (for example, through call logs) when it
was practical to do so, You may be responsible for some or all
of Your costs (to the extent that those costs could otherwise
have been reduced through preferred providers arranged by
Chubb Assistance). 
General Exclusions Applicable to Assistance Services, Sections Q–S
Above 
We will not pay for or reimburse any costs under any section of this Policy
arising from or relating to:
1.   Events where Chubb Assistance was not contacted about in the
first instance, unless it was not reasonably possible under the
circumstances to contact us. 
How To Make A Claim 
In the event of a medical emergency or for travel assistance whilst
overseas, or for other Assistance Services (legal assistance, roadside
assistance or Home Assistance) call   Chubb Assistance on
+61 2 8907 5666 
Non-emergency – Making a claim is quick and easy. You can submit Your
claim online by visiting the Chubb Claims Centre for American Express:
www.americanexpress.com/australia/claims
If You cannot lodge a claim online, please contact Us on   1800 236 023   or 
+61 2 9335 3492   for a claim form. 
What will I need to submit a claim online? 
When making a claim You will need to provide:
1.   Your American Express Card Account number.
2.   Your email address or alternative contact information, which allows
Us to give You real-time updates on Your claim status or contact You
for additional information.
3.   supporting documents. The documents reasonably required vary
based on claim type, but may include any relevant:
•   proof that You have made a Qualifying Purchase;
•   medical or Doctors’ reports;
•   receipts or other proof of expenses;
•   proof of earnings that are being claimed;
•   reports that have been obtained by the police; accommodation
provider or transport provider about the loss, theft or damage;
•   product warranties or bank statements;
•   photographs or quotes;
•   additional evidence that We may reasonably request to enable Us
to assess Your claim; and
•   intended payee information, which allows Us to quickly make
approved payments.
4.   disclose to Us details of any other insurance cover under which You
may be entitled to claim. 
What should I do before I submit a claim? 
1.   Take all reasonable steps to mitigate any further losses or unreasonable
and unnecessary expenses, including notifying Chubb Assistance
as soon as practically possible, if You are admitted to hospital or You
anticipate medical or additional accommodation or travel expenses.
2.   Claims for loss, theft or criminal damage must be reported to the local
police and a written report obtained where reasonably possible. If a
written report is not provided, You must provide evidence that You have
taken reasonable steps to report the loss, theft or criminal damage
including details of the time and place You made the report, and the
name and contact details of who You reported the loss, theft or criminal
damage to (to the extent such details are within your power to provide).

THE AMERICAN EXPRESS PLATINUM CARD 45 
When should I notify Chubb of my claim? 
You should advise Us as soon as possible of an occurrence or an Event
which could lead to a claim, or within 30 days of the Event taking place
which gives rise to a claim, or as soon as reasonably practical. 
Will I need to undertake a medical examination? 
If required and to enable Us to confirm if some of the benefits sections
under this Policy respond or continue to respond to an Event, We may need
to arrange for You to undertake a medical examination at Our expense
when and as often as We may reasonably require. 
Can I claim under this Policy if I can claim for the same expense under
another insurance Policy e.g. my private health insurance? 
If You wish to submit Your claim under this Policy, please advise Us if You
have already made a claim under any other insurance policies or tell Us if
You have any insurance policies in place which might respond to Your loss.
As a general rule, the amount You can recover for Your expenses under this
Policy or any other policies cannot exceed Your expenses. 
Can I claim expenses that I have incurred in obtaining evidence to
submit with my claim? 
No, expenses incurred by You in obtaining evidence for Us to assess Your
claim cannot be claimed as an expense under this Policy. These expenses
are payable by You. 
Can I admit liability if an Event occurs under the Personal Liability
cover section which may give rise to a claim? 
No, You (or Your legal representative) should not make any offer, promise
of payment or admit any liability without written consent from Us (where
such consent will not be unreasonably withheld or delayed). You should
request the claim against You be put in writing. 
Do I need to help Chubb make recoveries for any amounts paid under
this Policy? 
Yes, You may need to help Us to make recoveries of any amounts that We
pay You under this Policy. We have the right to sue any other party in Your
name to recover money payable or paid under this Policy, or to choose
to defend any action brought against You. You must provide reasonable
assistance to Us in this regard. 
How long will it take for my claim to be assessed? 
Once all evidence to support Your claim has been submitted, if We approve
Your claim, We will settle Your claim within 10 business days. 
If my claim is approved, how long will it take for me to receive
payment? 
Once We have approved Your claim, if there is an associated payment due
to You, We will issue the payment within 5 business days. 
If I die, will my estate be able to claim under this Policy? 
Yes, if Your Policy provides cover in the event of Your death, Your estate will
be able to make a claim under this Policy. 
I don’t have internet access / an email address to submit my claim
online; can I still submit a claim? 
Yes, however this may increase the time taken to assess Your claim. You
can call Us on   1800 236 023   to request a claim form to be mailed out to
You which can then be mailed back to Us. Hours of operation: 8:30am to
5pm Monday to Friday. 
General Information About This Policy 
The cover provided is subject to the terms, conditions and exclusions
outlined in this Policy. If You make a claim, You are bound by them and
must follow the claims procedures of this Policy. 
Group Policy with Chubb 
American Express Australia Limited (ABN 92 108 952 085, AFS Licence No.
291313) of 12 Shelley Street, Sydney NSW 2000 (“American Express”) is
the insured under the Group Policy.
Under the Group Policy entered into between American Express and
Chubb, You get access to a range of insurance benefits detailed in this
document. American Express has the right to terminate the Group Policy,
cancel or suspend any insurance benefits, in which case You will no longer
receive the insurance benefits. We will notify You as soon as reasonably
possible if We take any of these actions.
Under the Group Policy entered into between American Express and
Chubb, You get automatic access where You have met the eligibility
requirements set out in the Eligibility Table, to the benefits detailed in this
Policy provided by Chubb as the insurer. You are not charged by Chubb
for these benefits and can access the relevant benefits if You are a Card
Member.
This Policy replaces and supersedes any Policy previously issued prior to
the effective date. 
Section 48 of the Insurance Contracts Act 
Access to this insurance is provided to You solely by reason of the statutory
operation of section 48 of the Insurance Contracts Act 1984 (Cth). You are
not a contracting insured (i.e. You cannot vary or cancel the cover – only
American Express can do this) and You do not enter into any agreement
with Us. American Express is not the insurer, does not guarantee or
hold this right on trust for You and does not act as Chubb’s agent (that
is, on behalf of Chubb). Neither American Express nor any of its related
corporations are Authorised Representatives (under the Corporations Act
2001 (Cth)) of Chubb or any of its related companies. 
No Advice 
American Express is not authorised to provide any advice,
recommendations or opinions about this insurance on behalf of Chubb. No
advice is provided by Chubb on whether this insurance is appropriate for
Your needs, financial situation or objectives. You should read these terms
and conditions carefully and contact Chubb if assistance is required.
Any general advice that may be contained within this Policy does not take
into account Your individual objectives, financial situation or needs. You
need to decide if the limits, type and level of cover are appropriate for You. 
Updating this Policy 
Information in this Policy may be updated where necessary. A copy of any
updated information is available to You at no cost by visiting the website at

46 THE AMERICAN EXPRESS PLATINUM CARD 
https:/ /www.americanexpress.com/au/insurance/insurance-with-your-
card/. Chubb will issue a new document or a supplementary document
to American Express to advise of a change to the existing terms and
conditions or to make any necessary corrections. 
Other Insurance 
If You are entitled to receive a benefit or make a claim under another
insurance policy in respect of the same loss as Your claim under this
Policy (for example a home and contents policy, an alternative mobile
phone policy or the American Express Travel Insurance Policy Wording
and Product Disclosure Statement), then Chubb is not liable to provide
indemnity under this Policy until the amount of any indemnity under the
other policy is exhausted. Therefore, any insurance cover under this Policy
in respect of the same loss will only be excess insurance cover over and
above the applicable policy. 
Privacy Statement 
In this Statement “We” , “Our” and “Us” means Chubb Insurance Australia
Limited ( Chubb ).
“American Express” means American Express Australia Limited, its
subsidiaries and affiliates.
“You” and “Your” refers to Our customers and prospective customers as
well as those who use Our website.
This Statement is a summary of Our Privacy Policy and provides an
overview of how We collect, disclose and handle Your Personal Information.
It also tells you about how we exchange Personal Information with
American Express. Our Privacy Policy may change from time to time and
where this occurs, the updated Privacy Policy will be posted to Our website
at https:/ /www.chubb.com/au-en/footer/privacy.html.
Chubb is committed to protecting Your privacy. Chubb collects, uses and
retains Your Personal Information in accordance with the requirement of
the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs), as
amended or replaced from time-to-time. 
Why We collect Your Personal Information 
The primary purpose for Our collection and use of Your Personal
Information is to enable Us to provide insurance services to You.
Sometimes, We may use Your Personal Information for Our marketing
campaigns and research, in relation to new products, services or
information that may be of interest to You. 
How We obtain Your Personal Information 
We collect Your Personal Information (which may include sensitive
information) at various points including, but not limited to, when You are
applying for, changing or renewing an insurance policy with Us or when We
are processing a claim. Personal Information is usually obtained directly
from You, but sometimes via a third party such an insurance intermediary
or Your employer (e.g. in the case of a group insurance policy). Please refer
to Our Privacy Policy for further details.
When information is provided to Us via a third party We use that
information on the basis that You have consented or would reasonably
expect Us to collect Your Personal Information in this way. We take
reasonable steps to ensure that You have been made aware of how We
handle Your Personal Information. 
When do We disclose Your Personal Information? 
We may disclose the information We collect to third parties, including:
•   the policyholder (where the insured person is not the policyholder,
i.e., group policies);
•   service providers engaged by Us to carry out certain business
activities on Our behalf (such as claims assessors, call centres in
Australia, online marketing agency, etc);
•   intermediaries and service providers engaged by You (such as current
or previous brokers, travel agencies and airlines);
•   government agencies (where We are required to by law);
•   other entities within the Chubb group of companies such as the
regional head offices of Chubb located in Singapore, UK or USA
(Chubb Group of Companies); and
•   third parties with whom We (or the Chubb Group of Companies) have
sub-contracted to provide a specific service for Us, which may be
located outside of Australia (such as in the Philippines or USA). These
entities and their locations may change from time-to-time. Please
contact Us, if You would like a full list of the countries in which these
third parties are located.
In the circumstances where We disclose Personal Information to the Chubb
Group of Companies, third parties or third parties outside Australia We take
steps to protect Personal Information against unauthorised disclosure,
misuse or loss. 
Exchanging Personal Information with American Express 
American Express is the holder of the Group Policy under which Your
Card insurance benefits are provided. We may share and receive Personal
Information from American Express in order to manage and administer
the Group Policy and insurance benefits, manage and pay claims, resolve
complaints, manage litigation, respond to requests from third parties
(including regulators and media), and to develop and improve our products
and customer service. American Express handles all Personal Information
strictly in accordance with the Terms & Conditions and Privacy Statement
applicable to your Card. 
Your decision to provide Your Personal Information 
In dealing with Us, You agree to Us using and disclosing Your Personal
Information, which will be stored, used and disclosed by Us as set out in
this Privacy Statement and Our Privacy Policy. 
Access to and correction of Your Personal Information 
Please contact Our customer relations team on   1800 815 675   or email
CustomerService.AUNZ@chubb.com if You would like:
• a copy of Our Privacy Policy, or
•   to cease to receive marketing offers from Us or persons with whom We
have an association.

THE AMERICAN EXPRESS PLATINUM CARD 47 
To request access to, update or correct Your Personal Information held
by Chubb, please complete this Personal Information request form and
return to:
Email:   CustomerService.AUNZ@chubb.com
Address:   GPO Box 4907 Sydney NSW 2001 
How to Make a Complaint 
If You have a complaint or would like more information about how We
manage Your Personal Information, please review Our Privacy Policy at
https:/ /www.chubb.com/au-en/footer/privacy.html for more details, or
contact:
Privacy Officer
Chubb Insurance Australia Limited
GPO Box 4907 Sydney NSW 2001
+61 2 9335 3200
Privacy.AU@chubb.com 
Complaints And Dispute Resolution Process 
We understand that You could be dissatisfied with Our organisation, Our
products and services, or the complaints handling process itself. We
take all Our customers' concerns seriously and have detailed below the
complaints process that You can access. 
Complaints and Customer Resolution Service
Contact Details 
If You are dissatisfied with any aspect of Your relationship with Chubb
including Our products or services and wish to make a complaint, please
contact Our Complaints and Customer Resolution Service (CCR Service)
by post, phone or email (as below):
Complaints and Customer Resolution Service
Chubb Insurance Australia Limited
GPO Box 4065
Sydney NSW 2001
P +61 2 9335 3200
E complaints.AU@chubb.com
Our CCR Service is committed to reviewing complaints objectively, fairly
and efficiently. 
Process 
Please provide Us with Your claim or policy number (if applicable) and as
much information as You can about the reason for Your complaint. 
Our response 
We will acknowledge receipt of Your complaint within one (1) business
day of receiving it from You, or as soon as possible. Following
acknowledgement, within two (2) business days We will provide You with
the name and relevant contact details of the CCR Service team member
who will be assigned to liaise with You regarding Your complaint.
We will investigate Your complaint and keep You informed of the progress
of Our investigation at least every ten (10) business days and will make a
decision in relation to Your complaint in writing within thirty (30) calendar
days. If We are unable to make this decision within this timeframe, We
will provide You with a reason for the delay and advise of Your right to take
Your complaint to the Australian Financial Complaints Authority (AFCA) as
detailed below, subject to its Rules. If Your complaint falls outside the AFCA
Rules, You can seek independent legal advice or access any other external
dispute resolution options that may be available to You.
To the extent allowable at law, if You request copies of the information
We relied on to make a decision about Your complaint, We must provide
it within ten (10) business days of Your request. Please see the General
Insurance Code of Practice 2020 (https:/ /insurancecouncil.com.au/cop/)
or contact Us for further details.
Please note that if We have resolved Your complaint to Your satisfaction
by the end of the fifth (5th) business day after We have received it, and
You have not requested that We provide You a response in writing, We are
not required to provide a written response. However, this exemption does
not apply to complaints regarding a declined claim, the value of a claim, or
about financial hardship. 
External Dispute Resolution 
If You are dissatisfied with Our complaint determination, or We are unable
to resolve Your complaint to Your satisfaction within thirty (30) days, You
may refer Your complaint to AFCA, subject to its Rules.
AFCA is an independent external dispute resolution scheme approved by
the Australian Securities and Investments Commission ( ASIC ). We are a
member of this scheme and We agree to be bound by its determinations
about a dispute. AFCA provides fair and independent financial services
complaint resolution that is free to consumers.
You may contact AFCA at any time at:
Australian Financial Complaints Authority
GPO Box 3
Melbourne VIC 3001
P 1800 931 678 (free call)
F +61 3 9613 6399
E info@afca.org.au
W www.afca.org.au
Time limits may apply to complain to AFCA and so You should act promptly
or otherwise consult the AFCA website to find out if or when the time limit
relevant to Your circumstances expires. 
Financial Claims Scheme 
We are an insurance company authorised under the Insurance Act 1973
(Cth) ( Insurance Act ) to carry on general insurance business in Australia
by the Australian Prudential Regulation Authority ( APRA ) and are subject
to the prudential requirements of the Insurance Act.

48 THE AMERICAN EXPRESS PLATINUM CARD 
The Insurance Act is designed to ensure that, under all reasonable
circumstances,   fi nancial promises made by Us are met within a stable,
efficient and competitive   fi nancial system.
Because of this We are exempted from the requirement to meet the
compensation arrangements Australian   fi nancial services licensees must
have in place to compensate retail clients for loss or damage suffered
because of breaches by the licensee or its representatives of Chapter 7 of
the Corporations Act 2001 (Cth). We have compensation arrangements in
place that are in accordance with the Insurance Act.
In the unlikely event that We were to become insolvent and were unable
to meet Our obligations under the Policy, a person entitled to claim may
be entitled to payment under the Financial Claims Scheme. Access to the
Scheme is subject to eligibility criteria. Please refer to www.fcs.gov.au for
more information. 
General Insurance Code Of Practice 
We are a signatory to the General Insurance Code of Practice (Code).
The objectives of the Code are to further raise standards of service and
promote consumer con fi dence in the general insurance industry. Further
information about the Code and Your rights under it is available at https:/ /
insurancecouncil.com.au/cop/ and on request. As a signatory to the
Code, We are bound to comply with its terms. As part of Our obligations
under Parts 9 and 10 of the Code, Chubb has a Customers Experiencing
Vulnerability & Family Violence Policy (Part 9) and a Financial Hardship
Policy (Part 10) at https:/ /www.chubb.com/au-en/customer-service/
support-for-customers-in-need.html. The Code is monitored and enforced
by the Code Governance Committee. 
Sanctions 
This insurance does not apply to the extent that trade or economic
sanctions or other laws or regulations prohibit us from providing insurance,
including, but not limited to, the payment of claims. All other terms and
conditions of this policy remain unchanged.
Chubb is a subsidiary of a US company and Chubb Limited, a NYSE
listed company. Consequently, Chubb is subject to certain US laws and
regulations in addition to EU, UN and national sanctions restrictions which
may prohibit it from providing cover or paying claims to certain individuals
or entities or insuring certain types of activities related to certain countries
such as but not limited to Iran, Syria, North Korea, North Sudan, Crimea
and Cuba.

THE AMERICAN EXPRESS PLATINUM CARD 49 
American Express Australia Limited ABN 92 108 952 085. ® Registered Trademark of American Express Company.

---

# Source: https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/TravelCreditTerms.pdf

American Express® 
Platinum Edge Credit Card 
Travel Credit Terms and Conditions 
The American Express® Platinum Card 
Travel Credit
Terms and Conditions 
Effective   as of   1 st   May   20 23

1.   As a   P rimary American Express Platinum Card Member,   you
are eligible for one travel credit (Travel Credit) each
anniversary   year.   Additional   or   Supplementary   Card
Members   do   not   receive   a   Travel   Credit.   Credit   and
Platinum Business Cards are not eligible for this benefit. 
2.   You may only use the Travel Credit for one travel booking   each
anniversary year on Eligible Bookings. 
3.   Eligible Bookings are   a single travel booking of $450 or
more on your eligible Primary Card, for   selected flight, hotel   or 
car hire   when you prepay in advance,   made online at 
americanexpress.com.au/travel   and where the Travel Credit is
selected at checkout . Payment of   any fees   and charges
associated with   c hange s   or cancellation   (whether   charged   by 
us   or   any   travel   supplier)   are   excluded. 
4.   The   Travel Credit   can be used for 365 days from the benefit
anniversary date and cannot be used past the expiration date . 
5.   You may only use one Travel Credit per booking, even if   you
hold multiple American Express® Cards with a   T ravel   C redit 
benefit. 
6.   You must be able to pay for the booking in full on your
eligible Card to access the Travel Credit benefit. Your Account
must be in good standing and you must have paid the Annual
Fee and minimum payment by the due date. If you cancel
your Card, change your rewards program or Card type, you
will no longer be eligible for the Travel Credit.
7.   If your   A ccount is enrolled in the Care   or Financial Relief
P rogram   and your Card has been temporarily deactivated, y ou
will not be able to use   the   Travel Credit   until you exit the
relief program and re-activate your Card . 
8.   Travel Credit bookings are subject to the relevant   travel
supplier terms and conditions, and may incur   change or
cancellation fees from the travel supplier and American
Express. 
9.   If you r booking is cancelled, and your Travel Credit has
already   been   used   and   associated   statement   credit
applied to your account, you will forfeit your annual Travel Credit
benefit and   American Express may   reverse the statement
credits issued in the relevant anniversary year.
10. Your booking will be charged in full to your American
Express Platinum Card and American Express will then credit
$450 to your Account within 3 business days but may take up
to 30 days.
11.   The Travel Credit must be used in good faith and cannot be
sold   or   otherwise   transferred   for   value.   Credit is not
redeemable for cash or other payment form.   The Travel 
Credit   may be forfeited if we reasonably determine that you
are   seeking payment, compensation or other value for your
Travel Credit. 
Travel services provided by American Express International, Inc.
ABN 15 000 618 208. Incorporated with Limited Liability in
Delaware,   USA. 
All information correct at 1 st   May   20 23

American Express Australia Limited (ABN 92 108 952 085)   ®   Registered 
Trademark of American Express Company.

---

# Source: https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/cover-charges-with-points/

1. [ Home ](https://www.americanexpress.com/en-au/)
2. [ Credit Cards ](https://www.americanexpress.com/au/credit-cards)
3. [ Membership Benefits ](https://www.americanexpress.com/au/credit-cards/membership-benefits/)
4. [ Membership Rewards Program ](https://www.americanexpress.com/en-au/benefits/rewards/membership-rewards/)

# **Cover Charges with Points**

## Use points to cover purchases   
 on your Card Account

[ Cover Your Card Purchases (opens new window) ](https://www.americanexpress.com/en-AU/account/login?DestPage=https%3A%2F%2Fglobal.americanexpress.com%2Frewards%2Fpoints-for-charges%2F%3FFace%3Den%5FAU) 

**Pay off eligible purchases using your Membership Rewards® points,** 
 **with the Cover Charges with Points feature on your Card.**

[ Cover Your Card Purchases (opens new window) ](https://www.americanexpress.com/en-AU/account/login?DestPage=https%3A%2F%2Fglobal.americanexpress.com%2Frewards%2Fpoints-for-charges%2F%3FFace%3Den%5FAU) 

## **Benefits of Cover Charges with Points**

Use points to reduce or cover  
 the cost of a recent purchase

Use points to reduce your  
 monthly Card balance

Receive a statement credit  
 for the value of your points

### **Here’s how it works**

### 

1. Choose a transaction or charge on your online statement
2. Select the option to Cover Charges with Points
3. A statement credit will be applied and appear online within 3 business days

[ Cover your Card Purchases (opens new window) ](https://www.americanexpress.com/en-AU/account/login?DestPage=https%3A%2F%2Fglobal.americanexpress.com%2Frewards%2Fpoints-for-charges%2F%3FFace%3Den%5FAU) 

Note: You need to redeem at least 1,000 Membership Rewards points.

00:00

 0% 

Volume 

## **Start using Cover Charges with Points today**

**You’ve got the freedom to use your points to cover almost anything you’ve bought on your Card, such as:**

**Dinner on that special occasion.**

**The hotel bill** 
 **on your latest adventure.**

**Your new smartphone.**

### Terms and Conditions 

1\. For each successful transaction with cover charges with points, points chosen will be debited from your Membership Rewards account and a credit placed on your Card. A minimum of 1,000 Membership Rewards points is required to cover any eligible transaction with points. Account cannot be in credit when using cover charges with points. A credit will appear on your statement identified as “Membership Rewards Credit”. Points will be debited immediately and the credit will take up to 2-4 business days 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. Any charges covered by points is not redeemable for cash via Credit balance refund.

2\. American Express will select and display each eligible charge that can be covered with points (“Eligible Charge”) and the points rate required to cover the Eligible Charge. Each Eligible Charge must: (a) appear within 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. Eligible transactions can be covered by points via your online account or American Express mobile app. Covering charges with points is available only to Primary Card Members enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, Additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing.

## American Express Card

* [View all Personal Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/personal/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fview%5Fall%5Fpersonal%5Fcards "View all Personal Cards")
* [About Personal Cards](https://www.americanexpress.com/au/credit-cards/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fabout%5Fpersonal%5Fcards "About Personal Cards")
* [View all Business Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/business/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fview%5Fall%5Fbusiness%5Fcards "View all Business Cards")
* [View all Corporate Cards](https://www.americanexpress.com/en-au/business/corporate-credit-cards/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fview%5Fall%5Fcorporate%5Fcards "View all Corporate Cards")
* [Add Someone to Your Account](https://www.americanexpress.com/au/credit-cards/manage-your-card/additional-card/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fadd%5Fsomeone%5Fto%5Fyour%5Faccount "Add Someone to Your Account")
* [Refer a Friend](https://www.americanexpress.com/en-au/referral/?CPID=100316804&inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Frefer%5Fa%5Ffriend "Refer a Friend")

## More Products & Services

* [Insurance](https://www.americanexpress.com/au/insurance/?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Finsurance "Insurance")
* [Accept the Card](https://www.americanexpress.com/au/merchant/accept-amex-cards.html?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Faccept%5Fthe%5Fcard "Accept the Card")
* [Register for Online Services](https://oce.americanexpress.com/myca/ocareg/japa/action?request%5Ftype=un%5FRegister&inav=en%5Fau%5Ffooter%5Fmy%5Faccount%5Fbusiness%5Fowners%5Fregister%5Ffor%5Fonline%5Fservices&Face=en%5FAU#/splash "Register for Online Services")
* [ATM Locator](https://network.americanexpress.com/en/atm%5Flocator/?ref=prop&inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Fatm%5Flocator "ATM Locator")
* [Global Network](https://network.americanexpress.com/globalnetwork/v4?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Fglobal%5Fnetwork "Global Network")
* [Download the App](https://www.americanexpress.com/en-au/credit-cards/manage-your-card/mobile-app/?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Fdownload%5Fthe%5Fapp "Download the App")

## Important Links

* [Frequently Asked Questions](https://www.americanexpress.com/en-au/customer-service/?inav=en%5Fau%5Ffooter%5Fimportant%5Flinks%5Ffrequently%5Fasked%5Fquestions "Frequently Asked Questions")
* [Moving Abroad?](https://www.americanexpress.com/us/customer-service/global-card-relationship/?inav=en%5Fau%5Ffooter%5Fimportant%5Flinks%5Fmoving%5Fabroad "Moving Abroad?")
* [Ways to Pay](https://www.americanexpress.com/au/credit-cards/manage-your-card/ways-to-pay/?inav=en%5Fau%5Ffooter%5Fimportant%5Flinks%5Fways%5Fto%5Fpay "Ways to Pay")

## Company Information

* [About American Express](https://www.americanexpress.com/au/about-us/?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fabout%5Famerican%5Fexpress "About American Express")
* [Careers](https://www.americanexpress.com/en-us/careers/?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fcareers "Careers")
* [Contact Us](https://www.americanexpress.com/australia/customerservice/contactus.shtml?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fcontact%5Fus "Contact Us")
* [Site Map](https://www.americanexpress.com/au/sitemap/personal.html?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fsite%5Fmap "Site Map")

* American Express Card  
   * [View all Personal Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/personal/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fview%5Fall%5Fpersonal%5Fcards "View all Personal Cards")  
   * [About Personal Cards](https://www.americanexpress.com/au/credit-cards/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fabout%5Fpersonal%5Fcards "About Personal Cards")  
   * [View all Business Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/business/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fview%5Fall%5Fbusiness%5Fcards "View all Business Cards")  
   * [View all Corporate Cards](https://www.americanexpress.com/en-au/business/corporate-credit-cards/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fview%5Fall%5Fcorporate%5Fcards "View all Corporate Cards")  
   * [Add Someone to Your Account](https://www.americanexpress.com/au/credit-cards/manage-your-card/additional-card/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fadd%5Fsomeone%5Fto%5Fyour%5Faccount "Add Someone to Your Account")  
   * [Refer a Friend](https://www.americanexpress.com/en-au/referral/?CPID=100316804&inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Frefer%5Fa%5Ffriend "Refer a Friend")
* More Products & Services  
   * [Insurance](https://www.americanexpress.com/au/insurance/?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Finsurance "Insurance")  
   * [Accept the Card](https://www.americanexpress.com/au/merchant/accept-amex-cards.html?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Faccept%5Fthe%5Fcard "Accept the Card")  
   * [Register for Online Services](https://oce.americanexpress.com/myca/ocareg/japa/action?request%5Ftype=un%5FRegister&inav=en%5Fau%5Ffooter%5Fmy%5Faccount%5Fbusiness%5Fowners%5Fregister%5Ffor%5Fonline%5Fservices&Face=en%5FAU#/splash "Register for Online Services")  
   * [ATM Locator](https://network.americanexpress.com/en/atm%5Flocator/?ref=prop&inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Fatm%5Flocator "ATM Locator")  
   * [Global Network](https://network.americanexpress.com/globalnetwork/v4?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Fglobal%5Fnetwork "Global Network")  
   * [Download the App](https://www.americanexpress.com/en-au/credit-cards/manage-your-card/mobile-app/?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Fdownload%5Fthe%5Fapp "Download the App")
* Important Links  
   * [Frequently Asked Questions](https://www.americanexpress.com/en-au/customer-service/?inav=en%5Fau%5Ffooter%5Fimportant%5Flinks%5Ffrequently%5Fasked%5Fquestions "Frequently Asked Questions")  
   * [Moving Abroad?](https://www.americanexpress.com/us/customer-service/global-card-relationship/?inav=en%5Fau%5Ffooter%5Fimportant%5Flinks%5Fmoving%5Fabroad "Moving Abroad?")  
   * [Ways to Pay](https://www.americanexpress.com/au/credit-cards/manage-your-card/ways-to-pay/?inav=en%5Fau%5Ffooter%5Fimportant%5Flinks%5Fways%5Fto%5Fpay "Ways to Pay")
* Company Information  
   * [About American Express](https://www.americanexpress.com/au/about-us/?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fabout%5Famerican%5Fexpress "About American Express")  
   * [Careers](https://www.americanexpress.com/en-us/careers/?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fcareers "Careers")  
   * [Contact Us](https://www.americanexpress.com/australia/customerservice/contactus.shtml?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fcontact%5Fus "Contact Us")  
   * [Site Map](https://www.americanexpress.com/au/sitemap/personal.html?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fsite%5Fmap "Site Map")

---

Australia[Change Country](https://www.americanexpress.com/en-us/change-country/)

* [](https://www.facebook.com/americanexpressaustralia "Link will open in a new window")
* [](https://www.instagram.com/amexau "Link will open in a new window")
* [](https://x.com/amexau "Link will open in a new window")
* [](https://www.linkedin.com/company/american-express/ "Link will open in a new window")
* [](https://www.youtube.com/user/AmericanExpressAU "Link will open in a new window")

* [Website Rules and Regulations](https://www.americanexpress.com/au/about-us/disclosures/online-terms-and-conditions/?inav=en%5Fau%5Flegalfooter%5Fwebsite%5Frules%5Fand%5Fregulations "Website Rules and Regulations")
* [Trademarks](https://www.americanexpress.com/en-au/company/legal/trademarks/?inav=en%5Fau%5Flegalfooter%5FTrademarks "Trademarks")
* [Privacy Centre](https://www.americanexpress.com/en-au/company/legal/privacy-centre/?inav=en%5Fau%5Flegalfooter%5Fprivacy%5Fcentre "Privacy Centre")
* [Privacy Statement](https://www.americanexpress.com/au/about-us/disclosures/privacy-statement/?inav=en%5Fau%5Flegalfooter%5Fprivacy%5Fstatement "Privacy Statement")
* [Security](https://www.americanexpress.com/en-au/credit-cards/membership-benefits/why-amex/service-security/?inav=en%5Fau%5Flegalfooter%5FSecurity "Security")
* [Accessibility](https://www.americanexpress.com/au/about-us/disclosures/accessibility/?inav=en%5Fau%5Flegalfooter%5FAccessibility "Accessibility")
* [Resolving Complaints](https://www.americanexpress.com/en-au/customer-service/resolve-complaints/?inav=en%5Fau%5Flegalfooter%5Fresolving%5Fcomplaints "Resolving Complaints")
* [Financial Hardship](https://www.americanexpress.com/australia/customerservice/financial%5Fdifficulty.shtml?inav=en%5Fau%5Flegalfooter%5Ffinancial%5Fhardship "Financial Hardship")

 Copyright © 2026 [American Express Company](https://www.americanexpress.com/en-au/ "Copyright © {Year} American Express Company.")

---

# Source: https://www.americanexpress.com/en-au/rewards/membership-rewards/terms

1. [ Home ](https://www.americanexpress.com/en-au/)
2. [ Cardmember Benefits ](https://www.americanexpress.com/au/credit-cards/membership-benefits/)
3. Membership Rewards Program

* [Dashboard](#1)
* [Redeem](#redeem)
* [Earn](#earn)
* [FAQ](#faqs)
* [T&Cs](#T&Cs)

**We’re proud to be recognised with multiple industry awards**

# Membership Rewards® Program

## Rewards that actually reward

Already know how you want to use Membership Rewards ® points?   
 Log in to redeem now.

[ View Dashboard (opens new window) ](https://www.americanexpress.com/en-au/account/login?DestPage=https%3A%2F%2Fglobal.americanexpress.com%2Frewards) 

## **Important Updates**

**Marriott**: Marriott Points Transfers are temporarily unavailable. During this time, our Customer Service team is also unable to assist with transfers over the phone or chat. We apologise for any inconvenience this may cause.

The Membership Rewards program offers a breadth of rewards so you can propel your journey – wherever it takes you. Earn Membership Rewards points on most everyday purchases, then use points for gift cards, travel rewards, or even to cover recent Card charges. T&Cs apply.

## **EXPLORE FEATURED REDEMPTIONS**

[ ](https://www.myer.com.au/) 

#### 

Use points to shop online at Myer

You can now use your Membership Rewards® points to shop online at Myer. Pay for your purchase at checkout with points or a combination of Points & Pay1. Minimum redemption amounts and T&Cs apply.

[ ](https://global.americanexpress.com/rewards/pay-with-points) 

#### 

Shop online and Pay with Points  

Use your points to pay for your purchases2 at a wide range of online stores. From travel, to tech, to fashion and department stores, you’ll be spoilt for choice.  
Minimum redemption amounts and T&Cs apply.  

### Multi Card Carousel

## 

* *   
   ---  
   ### Transfer your Membership Rewards® points to ALL Accor  
   Transfer your Membership Rewards® points to ALL Accor and redeem for stays and experiences at 5,600+ hotels worldwide. Minimum redemption and T&Cs apply.  
   *   
   ---  
   ### Use points to shop online at Myer  
   You can now use your Membership Rewards® points to shop online at Myer. Pay for your purchase at checkout with points or a combination of Points & Pay1. Minimum redemption amounts and T&Cs apply.  
   *   
   ---  
   ### Shop online and Pay with Points  
   Use your points to pay for your purchases2 at a wide range of online stores. From travel, to tech, to fashion and department stores, you’ll be spoilt for choice.  
   Minimum redemption amounts and T&Cs apply.  
   *   
   ---  
   ### Turn your Membership Rewards® into Everyday Rewards  
   Get $10 off your Woolworths shop for every 2,500 Membership Rewards points you transfer. Minimum redemption and T&Cs apply.  
   *   
   ---  
   ### Give the gift of Gift Cards  
   Redeem your points for your choice of Gift Cards from your favourite brands.4  
   *   
   ---  
   ### Cover Card purchases using your points  
   Take advantage of Cover Charges with Points by using points to pay off your Card transactions.3

## **Why you’ll love Membership Rewards points**

**Unlimited Earning**

 With no caps, you can earn points on eligible spend

**No Expiry**

Continue to earn and grow your points every year

**Flexible**

Redeem for almost anything on points

## How to Redeem Membership Rewards Points

### Use Points to Travel

Use Points to Transfer to Partners Use Points to book with Amex Travel Online 

Transfer your Membership Rewards points to a wide range of Airline Rewards and Frequent Guest Partner Programs5.

[ More Transfer Partners (opens new window) ](https://www.americanexpress.com/en-au/rewards/membership-rewards/travel/all?currenttravelproducttype=All&intlink=AU-MR-au%5Ffrequent%5Ftraveller%5Fpartners) 

Use your Membership Rewards points to pay for your next flight, prepaid hotel or car rental when you book with [Amex Travel Online6](https://www.americanexpress.com/en-au/travel/ "Amex Travel Online"). 

[ Book Now (opens new window) ](https://www.americanexpress.com/en-au/travel/) 

### Use Points for Purchases

Cover Charges with Points Use Points for Credit 

Membership Rewards gives you the freedom to use your points to cover almost anything you've purchased on your Card3.

Log in to your Account to use points to pay for eligible transactions. 

[ Log in (opens new window) ](https://www.americanexpress.com/en-au/account/login?DestPage=https%3A%2F%2Fglobal.americanexpress.com%2Fmyca%2Fintl%2Facctsumm%2Fjapa%2FaccountSummary.do%3Frequest%5Ftype%3D%26Face%3Den%5FAU%26inav%3Dau%5Fmenu%5Fmyacct%5Facctsum%26omnlogin%3Dau%5Flilo%5Fmyca) 

Redeem your points for a credit to your Card, then use this additional credit to buy whatever you like. Amounts credited will appear on the first billing statement following redemption7. 

[ Redeem Now (opens new window) ](https://www.americanexpress.com/en-au/rewards/membership-rewards/award/American-Express/Credit-on-your-Card/8726-1000A) 

### Use Points for Gift Cards

Redeem your Membership Rewards points for Gift Cards from leading brands and retailers across fashion, dining, live entertainment and movies, wellness, health services and more4.

[ View Brands (opens new window) ](https://global.americanexpress.com/rewards/gift-cards?intlink=us-en-mr-education-cta-gift-cards) 

### Use Points to Pay

Use your Membership Rewards points to make purchases online and shop at your favourite brands2.

[ Shop with Point Partners (opens new window) ](https://global.americanexpress.com/rewards/pay-with-points) 

## How to Earn Points

Explore the different ways to earn Membership Rewards points

Use your Card for everyday purchases like petrol, grocery shopping and eating out

Add Additional Cards for your family and friends to earn points on their spend. T&Cs apply7 

Refer a Friend and you could both earn Bonus Points

Check Amex Offers for Bonus Points offers

## Ready to Start Earning Points

Explore our lineup of American Express Membership Rewards Cards

Expect rewards after you apply and are approved for an eligible American Express® Card. You can earn Membership Rewards points for just spending on certain categories, depending on your Card. Terms and Conditions apply.

[ Find Your Card (opens new window) ](https://www.americanexpress.com/en-au/credit-cards/all-cards/rewards "Find Your Card") 

## Membership Rewards FAQs

### What is Membership Rewards? 

Membership Rewards is the loyalty program of American Express. For every eligible dollar spent on an eligible American Express Card, Membership Rewards points are earned and credited to your Card Account. Points can then be redeemed for travel rewards, shopping rewards and entertainment rewards and more. There’s no limit to how many Membership Rewards points you can earn. And as long as you’re an active Card Member and your account is in good standing, points will never expire. Subject to the Terms and Conditions of the Membership Rewards program.

### How do I redeem my points?​ 

Redeem your points by logging in to your Membership Rewards Dashboard where you can browse the different redemption options available. Once logged in, follow the prompts on screen to use your points on the redemption option you choose. Your Membership Rewards points can be redeemed for eligible flights, accommodation, gift cards, shopping and more. Subject to the Terms and Conditions of the Membership Rewards program.

### What can I redeem my points for? 

You can redeem your points for a range of rewards as listed on this page: gift cards, transfer points to airline and hotel partners, shop with points at select retailers or cover your card charges to pay off your statement. Membership Rewards redemptions span across travel, retail, entertainment and dining categories. Subject to the Terms and Conditions of the Membership Rewards program.

### How do I enrol in Membership Rewards? 

Choose a Card that earns Membership Rewards points [here](https://www.americanexpress.com/au/credit-cards/all-cards/?inav=au%5Fmenu%5Fcards%5Fpc%5Fview%5Fall "here"). Depending on your Card, you may be instantly enrolled in Membership Rewards. If your Card is not automatically enrolled in Membership Rewards, you can do so by calling the number at the back of your Card. For Corporate Card holders, you may enrol in Membership Rewards if your Company has chosen to participate in the program. Speak to your Program Administrator for more information . 

### How do I earn points? 

You can earn Membership Rewards points for virtually every dollar you spend on your Card. Use your Card for everyday purchases and watch your points add up. With every spend, you earn points and the number of points you can earn is limitless. As long as your Card is in good standing, your points will never expire. Subject to the Terms and Conditions of the Membership Rewards program.

### How do I earn points quickly? 

To quickly earn Membership Rewards points, follow the below tips:

1. Earn points from everyday purchases. From a coffee to a larger grocery shop, they all add up.
2. Add Additional Cards to your account so that their spend accumulates points for your Account
3. Refer a friend to get Bonus Points
4. Check Amex offers for Bonus Points offers.

Subject to the Terms and Conditions of the Membership Rewards program.

### How do I check my points Balance? 

You can check your points balance by logging in to your Membership Rewards [Dashboard](https://www.americanexpress.com/en-au/account/login?DestPage=https%3A%2F%2Fglobal.americanexpress.com%2Fmyca%2Fintl%2Frewards%2Fjapa%2Faction%3Frequest%5Ftype%3Dauthreg%5FMrMultipleAccounts%26Face%3Den%5FAU%26DestPage%3Dhttps%3A%2F%2Fwww.americanexpress.com%2Fen-au%2Frewards%2Fmembership-rewards%2F "Dashboard"). There you will be able to see your points balance, your history of points redeemed as well as view the redemption options available.

### What is the Membership Rewards Ascent Program? 

The Membership Rewards Ascent program is available on a range of Personal and business Cards: Platinum Edge Credit Card and the Gold Business Card. It offers a range of redemption options. If you are enrolled in the Ascent program, log in to the Membership Rewards [Dashboard](https://www.americanexpress.com/en-au/account/login?DestPage=https%3A%2F%2Fglobal.americanexpress.com%2Fmyca%2Fintl%2Frewards%2Fjapa%2Faction%3Frequest%5Ftype%3Dauthreg%5FMrMultipleAccounts%26Face%3Den%5FAU%26DestPage%3Dhttps%3A%2F%2Fwww.americanexpress.com%2Fen-au%2Frewards%2Fmembership-rewards%2F "Dashboard") to see the redemptions available to you.

**Still have more questions?** Visit [Membership Rewards FAQs](https://www.americanexpress.com/au/customer-service/membership-rewards/ "Membership Rewards FAQs")

## Membership Rewards Terms and Conditions

View full Terms and Conditions:  
  
Membership Rewards Terms and Conditions – Consumer:

* [CURRENT Terms and Conditions effective until 8 November 2026 (inclusive)](https://www.americanexpress.com/content/dam/amex/en-au/company/terms-and-conditions/AME12313%5FMRTCsDoc-Consumer%5FFA.pdf " ")
* [NEW Terms and Conditions effective from 9 November 2026 (inclusive)](https://www.americanexpress.com/content/dam/amex/en-au/company/terms-and-conditions/AME12313%5FMRTCsDoc-Consumer%5FFA%5F1126.pdf " ")

Membership Rewards Terms and Conditions – Business and Corporate:

* [CURRENT Terms and Conditions effective until 8 November 2026 (inclusive)](https://www.americanexpress.com/content/dam/amex/en-au/company/terms-and-conditions/AME12313%5FMRTCsDoc-SBSCorp%5FFA.pdf " ")
* [NEW Terms and Conditions effective from 9 November 2026 (inclusive)](https://www.americanexpress.com/content/dam/amex/en-au/company/terms-and-conditions/AME12313%5FMRTCsDoc-SBSCorp%5FFA%5F1126.pdf " ")

Qantas Direct Terms and Conditions:

* [CURRENT Terms and Conditions effective until 8 November 2026 (inclusive)](https://www.americanexpress.com/en-au/rewards/membership-rewards/getwebimage.mtw?webimagename=MRT%5FQantas%20Direct%20Updated%5FTCs%5F141118.pdf " ")
* [NEW Terms and Conditions effective from 9 November 2026 (inclusive)](https://www.americanexpress.com/content/dam/amex/en-au/company/terms-and-conditions/AMEXOS2053%5FQDTCsDoc-1126.pdf " ")

1\. You may use Points to make purchases at Myer. You need to indicate at the time of purchase that you wish to Pay with Points. Individual retailers provide specific delivery and refund polices. Refund policies for Pay with Points retail Partners are subject to the Terms and Conditions of the retail Partner. The retailers’ conditions and refund policies may be amended by the retailers from time to time.​  
  
2\. You may use Points to make purchases at certain retailers listed on our website. You need to indicate at the time of purchase that you wish to Pay with Points. Individual retailers provide specific delivery and refund polices. Refund policies for Pay with Points retail Partners are subject to the Terms and Conditions of the retail Partner. The retailers’ conditions and refund policies may be amended by the retailers from time to time.  
  
3\. Cover Charges with Points. For each successful transaction using Cover Charges with Points, 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 to cover any eligible transaction with points. 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 3 business days 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. Any charges covered by points is not redeemable for cash via Credit balance refund. American Express will select and display each eligible charge that can be covered with points (“Eligible Charge”) and the points rate required to cover the Eligible Charge. Each Eligible Charge must: (a) appear within 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. Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any time without notice. Eligible transactions can be covered by points via your online account or American Express mobile app. Covering charges with points is available only to Basic Cardmembers enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing.  
  
4\. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of minimum 3 years from the date of issue, unless otherwise stated. We are not responsible if any Gift Card is lost, stolen, or destroyed, or the Gift Card is used without your permission. Membership Reward terms and conditions apply. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details.​  
  
5\. To redeem points to any Frequent Traveller Program you must be a member of the applicable Program. Enrolment in such Programs is solely your responsibility and fees may apply. The minimum requirement and transfer rate varies. Subject to the Membership Rewards Terms and Conditions.​  
  
6\. American Express Travel Online: To earn or redeem Membership Rewards points, Cards must be enrolled to the American Express Membership Rewards program, 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 isn’t 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 Program.​  
  
7\. Points for Credit: The redemption of Points for a credit to your Card (Points for Credit) will be administered by us within three business days and cannot be reversed. Amounts credited will appear on the first monthly statement following redemption. If you hold multiple Cards linked to the one Membership Rewards Account, the Points for Credit redemption will automatically be credited to the Primary Account only. Points may be redeemed by the Card Member for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Card Member’s other accounts with American Express are not in good standing.​

​ .​

## American Express Card

* [View all Personal Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/personal/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fview%5Fall%5Fpersonal%5Fcards "View all Personal Cards")
* [About Personal Cards](https://www.americanexpress.com/au/credit-cards/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fabout%5Fpersonal%5Fcards "About Personal Cards")
* [View all Business Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/business/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fview%5Fall%5Fbusiness%5Fcards "View all Business Cards")
* [View all Corporate Cards](https://www.americanexpress.com/en-au/business/corporate-credit-cards/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fview%5Fall%5Fcorporate%5Fcards "View all Corporate Cards")
* [Add Someone to Your Account](https://www.americanexpress.com/au/credit-cards/manage-your-card/additional-card/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fadd%5Fsomeone%5Fto%5Fyour%5Faccount "Add Someone to Your Account")
* [Refer a Friend](https://www.americanexpress.com/en-au/referral/?CPID=100316804&inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Frefer%5Fa%5Ffriend "Refer a Friend")

## More Products & Services

* [Insurance](https://www.americanexpress.com/au/insurance/?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Finsurance "Insurance")
* [Accept the Card](https://www.americanexpress.com/au/merchant/accept-amex-cards.html?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Faccept%5Fthe%5Fcard "Accept the Card")
* [Register for Online Services](https://oce.americanexpress.com/myca/ocareg/japa/action?request%5Ftype=un%5FRegister&inav=en%5Fau%5Ffooter%5Fmy%5Faccount%5Fbusiness%5Fowners%5Fregister%5Ffor%5Fonline%5Fservices&Face=en%5FAU#/splash "Register for Online Services")
* [ATM Locator](https://network.americanexpress.com/en/atm%5Flocator/?ref=prop&inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Fatm%5Flocator "ATM Locator")
* [Global Network](https://network.americanexpress.com/globalnetwork/v4?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Fglobal%5Fnetwork "Global Network")
* [Download the App](https://www.americanexpress.com/en-au/credit-cards/manage-your-card/mobile-app/?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Fdownload%5Fthe%5Fapp "Download the App")

## Important Links

* [Frequently Asked Questions](https://www.americanexpress.com/en-au/customer-service/?inav=en%5Fau%5Ffooter%5Fimportant%5Flinks%5Ffrequently%5Fasked%5Fquestions "Frequently Asked Questions")
* [Moving Abroad?](https://www.americanexpress.com/us/customer-service/global-card-relationship/?inav=en%5Fau%5Ffooter%5Fimportant%5Flinks%5Fmoving%5Fabroad "Moving Abroad?")
* [Ways to Pay](https://www.americanexpress.com/au/credit-cards/manage-your-card/ways-to-pay/?inav=en%5Fau%5Ffooter%5Fimportant%5Flinks%5Fways%5Fto%5Fpay "Ways to Pay")

## Company Information

* [About American Express](https://www.americanexpress.com/au/about-us/?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fabout%5Famerican%5Fexpress "About American Express")
* [Careers](https://www.americanexpress.com/en-us/careers/?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fcareers "Careers")
* [Contact Us](https://www.americanexpress.com/australia/customerservice/contactus.shtml?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fcontact%5Fus "Contact Us")
* [Site Map](https://www.americanexpress.com/au/sitemap/personal.html?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fsite%5Fmap "Site Map")

* American Express Card  
   * [View all Personal Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/personal/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fview%5Fall%5Fpersonal%5Fcards "View all Personal Cards")  
   * [About Personal Cards](https://www.americanexpress.com/au/credit-cards/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fabout%5Fpersonal%5Fcards "About Personal Cards")  
   * [View all Business Cards](https://www.americanexpress.com/en-au/credit-cards/all-cards/business/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fview%5Fall%5Fbusiness%5Fcards "View all Business Cards")  
   * [View all Corporate Cards](https://www.americanexpress.com/en-au/business/corporate-credit-cards/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fview%5Fall%5Fcorporate%5Fcards "View all Corporate Cards")  
   * [Add Someone to Your Account](https://www.americanexpress.com/au/credit-cards/manage-your-card/additional-card/?inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Fadd%5Fsomeone%5Fto%5Fyour%5Faccount "Add Someone to Your Account")  
   * [Refer a Friend](https://www.americanexpress.com/en-au/referral/?CPID=100316804&inav=en%5Fau%5Ffooter%5Famerican%5Fexpress%5Fcard%5Frefer%5Fa%5Ffriend "Refer a Friend")
* More Products & Services  
   * [Insurance](https://www.americanexpress.com/au/insurance/?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Finsurance "Insurance")  
   * [Accept the Card](https://www.americanexpress.com/au/merchant/accept-amex-cards.html?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Faccept%5Fthe%5Fcard "Accept the Card")  
   * [Register for Online Services](https://oce.americanexpress.com/myca/ocareg/japa/action?request%5Ftype=un%5FRegister&inav=en%5Fau%5Ffooter%5Fmy%5Faccount%5Fbusiness%5Fowners%5Fregister%5Ffor%5Fonline%5Fservices&Face=en%5FAU#/splash "Register for Online Services")  
   * [ATM Locator](https://network.americanexpress.com/en/atm%5Flocator/?ref=prop&inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Fatm%5Flocator "ATM Locator")  
   * [Global Network](https://network.americanexpress.com/globalnetwork/v4?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Fglobal%5Fnetwork "Global Network")  
   * [Download the App](https://www.americanexpress.com/en-au/credit-cards/manage-your-card/mobile-app/?inav=en%5Fau%5Ffooter%5Fmore%5Fproducts%5Fservices%5Fdownload%5Fthe%5Fapp "Download the App")
* Important Links  
   * [Frequently Asked Questions](https://www.americanexpress.com/en-au/customer-service/?inav=en%5Fau%5Ffooter%5Fimportant%5Flinks%5Ffrequently%5Fasked%5Fquestions "Frequently Asked Questions")  
   * [Moving Abroad?](https://www.americanexpress.com/us/customer-service/global-card-relationship/?inav=en%5Fau%5Ffooter%5Fimportant%5Flinks%5Fmoving%5Fabroad "Moving Abroad?")  
   * [Ways to Pay](https://www.americanexpress.com/au/credit-cards/manage-your-card/ways-to-pay/?inav=en%5Fau%5Ffooter%5Fimportant%5Flinks%5Fways%5Fto%5Fpay "Ways to Pay")
* Company Information  
   * [About American Express](https://www.americanexpress.com/au/about-us/?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fabout%5Famerican%5Fexpress "About American Express")  
   * [Careers](https://www.americanexpress.com/en-us/careers/?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fcareers "Careers")  
   * [Contact Us](https://www.americanexpress.com/australia/customerservice/contactus.shtml?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fcontact%5Fus "Contact Us")  
   * [Site Map](https://www.americanexpress.com/au/sitemap/personal.html?inav=en%5Fau%5Ffooter%5Fcompany%5Finformation%5Fsite%5Fmap "Site Map")

---

Australia[Change Country](https://www.americanexpress.com/en-us/change-country/)

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* [Website Rules and Regulations](https://www.americanexpress.com/au/about-us/disclosures/online-terms-and-conditions/?inav=en%5Fau%5Flegalfooter%5Fwebsite%5Frules%5Fand%5Fregulations "Website Rules and Regulations")
* [Trademarks](https://www.americanexpress.com/en-au/company/legal/trademarks/?inav=en%5Fau%5Flegalfooter%5FTrademarks "Trademarks")
* [Privacy Centre](https://www.americanexpress.com/en-au/company/legal/privacy-centre/?inav=en%5Fau%5Flegalfooter%5Fprivacy%5Fcentre "Privacy Centre")
* [Privacy Statement](https://www.americanexpress.com/au/about-us/disclosures/privacy-statement/?inav=en%5Fau%5Flegalfooter%5Fprivacy%5Fstatement "Privacy Statement")
* [Security](https://www.americanexpress.com/en-au/credit-cards/membership-benefits/why-amex/service-security/?inav=en%5Fau%5Flegalfooter%5FSecurity "Security")
* [Accessibility](https://www.americanexpress.com/au/about-us/disclosures/accessibility/?inav=en%5Fau%5Flegalfooter%5FAccessibility "Accessibility")
* [Resolving Complaints](https://www.americanexpress.com/en-au/customer-service/resolve-complaints/?inav=en%5Fau%5Flegalfooter%5Fresolving%5Fcomplaints "Resolving Complaints")
* [Financial Hardship](https://www.americanexpress.com/australia/customerservice/financial%5Fdifficulty.shtml?inav=en%5Fau%5Flegalfooter%5Ffinancial%5Fhardship "Financial Hardship")

 Copyright © 2026 [American Express Company](https://www.americanexpress.com/en-au/ "Copyright © {Year} American Express Company.")

---

# Source: https://www.hilton.com/en/hilton-honors/join/?OCODE=AXPNW

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[](https://www.hilton.com/en/hilton-honors/)

# Join Hilton Honors

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PhoneAfghanistan +93Aland Islands +358Albania +355Algeria +213American Samoa +1Andorra +376Angola +244Anguilla +1Antarctica +672Antigua and Barbuda +1Argentina +54Armenia +374Aruba +297Australia +61Austria +43Azerbaijan +994Bahamas +1Bahrain +973Bangladesh +880Barbados +1Belarus +375Belgium +32Belize +501Benin +229Bermuda +1Bhutan +975Bolivia +591Bonaire +599Bosnia-Herzegovina +387Botswana +267Bouvet Island +47Brazil +55British Ind. Ocean Territory +246Brunei Darussalam +673Bulgaria +359Burkina Faso +226Burundi +257Cabo Verde +238Cambodia +855Cameroon +237Canada +1Cayman Islands +1Central African Republic +236Chad +235Chile +56China +86Christmas Island +61Cocos (Keeling) Islands +61Colombia +57Comoros +269Cook Islands +682Costa Rica +506Croatia +385Curacao +599Cyprus +357Czech Republic +420Democratic Republic of the Congo +243Denmark +45Djibouti +253Dominica +1Dominican Republic +1East Timor +670Ecuador +593Egypt +20El Salvador +503Equatorial Guinea +240Eritrea +291Estonia +372Eswatini +268Ethiopia +251Falkland Islands +500Faroe Islands +298Fiji +679Finland +358France +33France (European Territory) +33French Guiana +594French Polynesia +689French Southern Territories +33Gabon +241Gambia +220Georgia +995Germany +49Ghana +233Gibraltar +350Greece +30Greenland +299Grenada +1Guadeloupe (French) +590Guam +1Guatemala +502Guernsey +44Guinea +224Guinea Bissau +245Guyana +592Haiti +509Heard and McDonald Islands +0Honduras +504Hong Kong +852Hungary +36Iceland +354India +91Indonesia +62Iraq +964Ireland +353Isle of Man +44Israel +972Italy +39Ivory Coast(Cote D'Ivoire) +225Jamaica +1Japan +81Jersey +44Jordan +962Kazakhstan +7Kenya +254Kiribati +686Kosovo +383Kuwait +965Kyrgyzstan +996Laos +856Latvia +371Lebanon +961Lesotho +266Liberia +231Libya +218Liechtenstein +423Lithuania +370Luxembourg +352Macao +853Madagascar +261Malawi +265Malaysia +60Maldives +960Mali +223Malta +356Marshall Islands +692Martinique (French) +596Mauritania +222Mauritius +230Mayotte +262Mexico +52Micronesia +691Moldova +373Monaco +377Mongolia +976Montenegro +382Montserrat +1Morocco +212Mozambique +258Myanmar +95Namibia +264Nauru +674Nepal +977Netherlands +31New Caledonia (French) +687New Zealand +64Nicaragua +505Niger +227Nigeria +234Niue +683Norfolk Island +672North Macedonia +389Northern Mariana Islands +1Norway +47Oman +968Pakistan +92Palau +680Palestine +970Panama +507Papua New Guinea +675Paraguay +595Peru +51Philippines +63Pitcairn Island +64Poland +48Portugal +351Puerto Rico +1Qatar +974Reunion (French) +262Romania +40Russian Federation +7Rwanda +250S. Georgia/S. Sandwich Islands +500Saint Barthelemy +590Saint Helena +290Saint Kitts & Nevis +1Saint Lucia +1Saint Martin +590Saint Pierre and Miquelon +508Saint Tome and Principe +239Saint Vincent & Grenadines +1Samoa +685San Marino +378Saudi Arabia +966Senegal +221Serbia +381Seychelles +248Sierra Leone +232Singapore +65Sint Maarten +721Slovakia +421Slovenia +386Solomon Islands +677Somalia +252South Africa +27South Korea +82South Sudan +211Spain +34Sri Lanka +94Suriname +597Svalbard & Jan Mayen Islands +47Sweden +46Switzerland +41Taiwan +886Tajikistan +992Tanzania +255Thailand +66The Republic of Congo +242Togo +228Tokelau +690Tonga +676Trinidad and Tobago +1Tunisia +216Türkiye +90Turkmenistan +993Turks and Caicos Islands +1Tuvalu +688Uganda +256Ukraine +380United Arab Emirates +971United Kingdom +44United States of America +1Uruguay +598USA Minor Outlying Islands +1Uzbekistan +998Vanuatu +678Vatican City State +379Venezuela +58Vietnam +84Virgin Islands (British) +1Virgin Islands (USA) +1Wallis and Futuna Islands +681Western Sahara +212Yemen +967Zambia +260Zimbabwe +263

Phone

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Country/RegionAfghanistanAland IslandsAlbaniaAlgeriaAmerican SamoaAndorraAngolaAnguillaAntarcticaAntigua and BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelarusBelgiumBelizeBeninBermudaBhutanBoliviaBonaireBosnia-HerzegovinaBotswanaBouvet IslandBrazilBritish Ind. Ocean TerritoryBrunei DarussalamBulgariaBurkina FasoBurundiCabo VerdeCambodiaCameroonCanadaCayman IslandsCentral African RepublicChadChileChinaChristmas IslandCocos (Keeling) IslandsColombiaComorosCook IslandsCosta RicaCroatiaCuracaoCyprusCzech RepublicDemocratic Republic of the CongoDenmarkDjiboutiDominicaDominican RepublicEast TimorEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEswatiniEthiopiaFalkland IslandsFaroe IslandsFijiFinlandFranceFrance (European Territory)French GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGhanaGibraltarGreeceGreenlandGrenadaGuadeloupe (French)GuamGuatemalaGuernseyGuineaGuinea BissauGuyanaHaitiHeard and McDonald IslandsHondurasHong KongHungaryIcelandIndiaIndonesiaIraqIrelandIsle of ManIsraelItalyIvory Coast(Cote D'Ivoire)JamaicaJapanJerseyJordanKazakhstanKenyaKiribatiKosovoKuwaitKyrgyzstanLaosLatviaLebanonLesothoLiberiaLibyaLiechtensteinLithuaniaLuxembourgMacaoMadagascarMalawiMalaysiaMaldivesMaliMaltaMarshall IslandsMartinique (French)MauritaniaMauritiusMayotteMexicoMicronesiaMoldovaMonacoMongoliaMontenegroMontserratMoroccoMozambiqueMyanmarNamibiaNauruNepalNetherlandsNew Caledonia (French)New ZealandNicaraguaNigerNigeriaNiueNorfolk IslandNorth MacedoniaNorthern Mariana IslandsNorwayOmanPakistanPalauPalestinePanamaPapua New GuineaParaguayPeruPhilippinesPitcairn IslandPolandPortugalPuerto RicoQatarReunion (French)RomaniaRussian FederationRwandaS. Georgia/S. Sandwich IslandsSaint BarthelemySaint HelenaSaint Kitts & NevisSaint LuciaSaint MartinSaint Pierre and MiquelonSaint Tome and PrincipeSaint Vincent & GrenadinesSamoaSan MarinoSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSint MaartenSlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth KoreaSouth SudanSpainSri LankaSurinameSvalbard & Jan Mayen IslandsSwedenSwitzerlandTaiwanTajikistanTanzaniaThailandThe Republic of CongoTogoTokelauTongaTrinidad and TobagoTunisiaTürkiyeTurkmenistanTurks and Caicos IslandsTuvaluUgandaUkraineUnited Arab EmiratesUnited KingdomUnited States of AmericaUruguayUSA Minor Outlying IslandsUzbekistanVanuatuVatican City StateVenezuelaVietnamVirgin Islands (British)Virgin Islands (USA)Wallis and Futuna IslandsWestern SaharaYemenZambiaZimbabwe

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## How can we help?

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* [Modern Slavery and Human Trafficking, Opens new tab](https://ir.hilton.com/~/media/Files/H/Hilton-Worldwide-IR-V3/committee-composition/hilton-slavery-and-trafficking-statement-2019.pdf)
* [Hilton Honors Discount Terms & Conditions, Opens new tab](https://www.hilton.com/en/hilton-honors/honors-discount-terms/)
* [Hilton Honors Terms & Conditions, Opens new tab](https://www.hilton.com/en/hilton-honors/terms/)
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©2026 Hilton

---

# Source: https://www.radissonhotels.com/en-us/terms-and-conditions

[  ](https://www.radissonhotels.com/en-us/ "Radisson Hotels") 

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Our Brands 

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###  Affiliated Brands in China

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* [  Destinations ](https://www.radissonhotels.com/en-us/destination "Destinations")
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* [  Discover Radisson Meetings ](https://www.radissonhotels.com/en-us/meeting-conference-hotels "Discover Radisson Meetings")
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* [  Sports teams stays ](https://www.radissonhotels.com/en-us/meeting-conference-hotels/sports-travel "Sports teams stays")
* [  Business traveler ](https://www.radissonhotels.com/en-us/experience/business-hotels "Business traveler")
* [  City center hotels ](https://www.radissonhotels.com/en-us/experience/city-center-hotels "City center hotels")
* [  Visit our blog ](https://www.radissonhotels.com/en-us/blog "Visit our blog ")

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* [  Discover Radisson Rewards ](https://www.radissonhotels.com/en-us/rewards "Discover Radisson Rewards")
* [  Member benefits ](https://www.radissonhotels.com/en-us/rewards/benefits "Benefits")
* [  How to use points ](https://www.radissonhotels.com/en-us/rewards/redeem "How to use points")
* [  How to earn points ](https://www.radissonhotels.com/en-us/rewards/earn "How to earn points")
* [  Bookers & Planners ](https://www.radissonhotels.com/en-us/rewards/business "Bookers & Planners")

[  ](https://www.radissonhotels.com/en-us/ "Radisson Hotels") 

* [ Destinations ](https://www.radissonhotels.com/en-us/destination "Destinations")
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* [ Deals ](https://www.radissonhotels.com/en-us/hotel-deals "Deals")
* [ Radisson Rewards ](https://www.radissonhotels.com/en-us/rewards "Radisson Rewards")
* [ My reservations ](https://www.radissonhotels.com/en-us/reservation/search "My reservations")
* [ My reservations ](https://www.radissonhotels.com/en-us/radisson-rewards/secure/reservations "My reservations")

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 Affiliated Brands in China

[ J. ](https://www.radissonhotels.com/en-us/brand/j) [ Jin Jiang ](https://www.radissonhotels.com/en-us/brand/jin-jiang) [ Kunlun ](https://www.radissonhotels.com/en-us/brand/kunlun) [ Golden Tulip ](https://www.radissonhotels.com/en-us/brand/golden-tulip-china) 

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* [ Destinations ](https://www.radissonhotels.com/en-us/destination "Destinations")
* [ Resorts ](https://www.radissonhotels.com/en-us/experience/resorts "Resorts")
* [ Serviced apartments ](https://www.radissonhotels.com/en-us/experience/serviced-apartments "Serviced apartments")
* [ Airport hotels ](https://www.radissonhotels.com/en-us/experience/airport-hotels "Airport hotels")
* [ New & upcoming hotels ](https://www.radissonhotels.com/en-us/new-hotels "New & upcoming hotels")

 Meetings & Events

* [ Discover Radisson Meetings ](https://www.radissonhotels.com/en-us/meeting-conference-hotels "Discover Radisson Meetings")
* [ Book a meeting space ](https://www.radissonhotels.com/en-us/meeting-conference-hotels/book-it-easy "Book a meeting space")
* [ Request a Quote ](https://www.radissonhotels.com/en-us/meeting-conference-hotels/send-request "Request a Quote")
* [ Event Destinations ](https://www.radissonhotels.com/en-us/meeting-conference-hotels/destinations "Event Destinations")
* [ Industry Solutions ](https://www.radissonhotels.com/en-us/meeting-conference-hotels/industry-solutions "Industry Solutions")

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* [ Search flights ](https://www.radissonhotels.com/en-us/flights "Search flights")

 Dining

* [ Search for a restaurant ](https://www.radissonhotels.com/en-us/restaurants "Search for a restaurant")

 Digital Services

* [ Radisson Hotels App ](https://www.radissonhotels.com/en-us/app "Radisson Hotels App")

 Hotel Deals

* [ Discover our deals ](https://www.radissonhotels.com/en-us/hotel-deals "Discover our deals")
* [ First time booking? ](https://www.radissonhotels.com/en-us/rewards/offers/3kapp "First time's a charm")
* [ Deals of the Day ](https://www.radissonhotels.com/en-us/hotel-deals/deals-of-the-day "Deals of the Day")
* [ Book in advance ](https://www.radissonhotels.com/en-us/hotel-deals/prepaid "Book in advance")
* [ See our packages ](https://www.radissonhotels.com/en-us/experience/emea-packages "See our packages")

 Travel ideas

* [ Family friendly hotels ](https://www.radissonhotels.com/en-us/experience/family-program "Family friendly hotels")
* [ Rad Pets ](https://www.radissonhotels.com/en-us/experience/rad-pets "Rad Pets")
* [ Wedding venues ](https://www.radissonhotels.com/en-us/experience/weddings "Wedding venues")
* [ Sustainable stays ](https://www.radissonhotels.com/en-us/experience/sustainablestays "Sustainable stays")
* [ Sports teams stays ](https://www.radissonhotels.com/en-us/meeting-conference-hotels/sports-travel "Sports teams stays")
* [ Business traveler ](https://www.radissonhotels.com/en-us/experience/business-hotels "Business traveler")
* [ City center hotels ](https://www.radissonhotels.com/en-us/experience/city-center-hotels "City center hotels")
* [ Visit our blog ](https://www.radissonhotels.com/en-us/blog "Visit our blog ")

 Radisson Rewards

* [ Discover Radisson Rewards ](https://www.radissonhotels.com/en-us/rewards "Discover Radisson Rewards")
* [ Member benefits ](https://www.radissonhotels.com/en-us/rewards/benefits "Benefits")
* [ How to use points ](https://www.radissonhotels.com/en-us/rewards/redeem "How to use points")
* [ How to earn points ](https://www.radissonhotels.com/en-us/rewards/earn "How to earn points")
* [ Bookers & Planners ](https://www.radissonhotels.com/en-us/rewards/business "Bookers & Planners")

[ Join](https://www.radissonhotels.com/en-us/radisson-rewards/join "Join") [ My reservations](https://www.radissonhotels.com/en-us/radisson-rewards/secure/reservations "My reservations") 

 Our Brands 

 Find your hotel 

 Meetings & Events 

 Flights 

 Dining 

 Digital Services 

 Hotel Deals 

 Travel ideas 

 Radisson Rewards 

[  My reservations](https://www.radissonhotels.com/en-us/reservation/search "My reservations") 

[  My reservations](https://www.radissonhotels.com/en-us/radisson-rewards/secure/reservations "My reservations") 

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Find your hotel

 Find your hotel

[ Destinations ](https://www.radissonhotels.com/en-us/destination "Destinations") 

[ Resorts ](https://www.radissonhotels.com/en-us/experience/resorts "Resorts") 

[ Serviced apartments ](https://www.radissonhotels.com/en-us/experience/serviced-apartments "Serviced apartments") 

[ Airport hotels ](https://www.radissonhotels.com/en-us/experience/airport-hotels "Airport hotels") 

[ New & upcoming hotels ](https://www.radissonhotels.com/en-us/new-hotels "New & upcoming hotels") 

 Back

Meetings & Events

[ Meetings & Events ](https://www.radissonhotels.com/en-us/meeting-conference-hotels "Meetings & Events") 

[ Discover Radisson Meetings ](https://www.radissonhotels.com/en-us/meeting-conference-hotels "Discover Radisson Meetings") 

[ Book a meeting space ](https://www.radissonhotels.com/en-us/meeting-conference-hotels/book-it-easy "Book a meeting space") 

[ Request a Quote ](https://www.radissonhotels.com/en-us/meeting-conference-hotels/send-request "Request a Quote") 

[ Event Destinations ](https://www.radissonhotels.com/en-us/meeting-conference-hotels/destinations "Event Destinations") 

[ Industry Solutions ](https://www.radissonhotels.com/en-us/meeting-conference-hotels/industry-solutions "Industry Solutions") 

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Flights 

 Flights 

[ Search flights ](https://www.radissonhotels.com/en-us/flights "Search flights") 

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Dining

 Dining

[ Search for a restaurant ](https://www.radissonhotels.com/en-us/restaurants "Search for a restaurant") 

 Back

Digital Services

 Digital Services

[ Radisson Hotels App ](https://www.radissonhotels.com/en-us/app "Radisson Hotels App") 

 Back

Hotel Deals

[ Deals ](https://www.radissonhotels.com/en-us/hotel-deals "Deals") 

[ Discover our deals ](https://www.radissonhotels.com/en-us/hotel-deals "Discover our deals") 

[ First time booking? ](https://www.radissonhotels.com/en-us/rewards/offers/3kapp "First time's a charm") 

[ Deals of the Day ](https://www.radissonhotels.com/en-us/hotel-deals/deals-of-the-day "Deals of the Day") 

[ Book in advance ](https://www.radissonhotels.com/en-us/hotel-deals/prepaid "Book in advance") 

[ See our packages ](https://www.radissonhotels.com/en-us/experience/emea-packages "See our packages") 

 Back

Travel ideas

 Travel ideas

[ Family friendly hotels ](https://www.radissonhotels.com/en-us/experience/family-program "Family friendly hotels") 

[ Rad Pets ](https://www.radissonhotels.com/en-us/experience/rad-pets "Rad Pets") 

[ Wedding venues ](https://www.radissonhotels.com/en-us/experience/weddings "Wedding venues") 

[ Sustainable stays ](https://www.radissonhotels.com/en-us/experience/sustainablestays "Sustainable stays") 

[ Sports teams stays ](https://www.radissonhotels.com/en-us/meeting-conference-hotels/sports-travel "Sports teams stays") 

[ Business traveler ](https://www.radissonhotels.com/en-us/experience/business-hotels "Business traveler") 

[ City center hotels ](https://www.radissonhotels.com/en-us/experience/city-center-hotels "City center hotels") 

[ Visit our blog ](https://www.radissonhotels.com/en-us/blog "Visit our blog ") 

 Back

Radisson Rewards

[ Radisson Rewards ](https://www.radissonhotels.com/en-us/rewards "Radisson Rewards") 

[ Discover Radisson Rewards ](https://www.radissonhotels.com/en-us/rewards "Discover Radisson Rewards") 

[ Member benefits ](https://www.radissonhotels.com/en-us/rewards/benefits "Benefits") 

[ How to use points ](https://www.radissonhotels.com/en-us/rewards/redeem "How to use points") 

[ How to earn points ](https://www.radissonhotels.com/en-us/rewards/earn "How to earn points") 

[ Bookers & Planners ](https://www.radissonhotels.com/en-us/rewards/business "Bookers & Planners") 

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Points

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description=null, keyword=null, twitter=TwitterMetas(card=summary, site=null, title=null, description=null, image=null), opengraph=FacebookMetas(siteName=null, type=website, title=null, description=null, image=null), url=/en-us/radisson-rewards/secure/my-profile, robots=null, showPrice=KeywordModel(id=62997, title=Yes, description=Yes, key=yes, taxonomyId=27005)), blank=null, iconClass=null, pdf=null, rel=null, image=null, isPrimary=KeywordModel(id=62998, title=No, description=No, key=no, taxonomyId=27005), isButton=null)\])\]

* [ My account](https://www.radissonhotels.com/en-us/radisson-rewards/secure/my-account " My account")
* [My reservations](https://www.radissonhotels.com/en-us/radisson-rewards/secure/reservations "My reservations")
* [Redeem](https://www.radissonhotels.com/en-us/rewards/redeem "Redeem")
* [ My account](https://www.radissonhotels.com/en-us/radisson-rewards/secure/my-account " My account")
* [My reservations](https://www.radissonhotels.com/en-us/radisson-rewards/secure/reservations "My reservations")
* [Redeem](https://www.radissonhotels.com/en-us/rewards/redeem "Redeem")
* [ My account](https://www.radissonhotels.com/en-us/radisson-rewards/secure/my-account " My account")
* [My reservations](https://www.radissonhotels.com/en-us/radisson-rewards/secure/reservations "My reservations")
* [Redeem](https://www.radissonhotels.com/en-us/rewards/redeem "Redeem")
* [ My account](https://www.radissonhotels.com/en-us/radisson-rewards/secure/my-account " My account")
* [Transfer](https://www.radissonhotels.com/en-us/rewards/redeem/transfer-points "Transfer")
* [Corporate program page](https://www.radissonhotels.com/en-us/radisson-rewards/secure/corporate "Corporate program page")
* [Corporate members](https://www.radissonhotels.com/en-us/radisson-rewards/secure/corporate-members "Corporate members")
* [ My account](https://www.radissonhotels.com/en-us/radisson-rewards/secure/my-account " My account")
* [My reservations](https://www.radissonhotels.com/en-us/radisson-rewards/secure/reservations "My reservations")
* [Corporate program page](https://www.radissonhotels.com/en-us/radisson-rewards/secure/corporate "Corporate program page")
* [ My account](https://www.radissonhotels.com/en-us/radisson-rewards/secure/my-account " My account")
* [Transfer](https://www.radissonhotels.com/en-us/rewards/redeem/transfer-points "Transfer")
* [My reservations](https://www.radissonhotels.com/en-us/radisson-rewards/secure/reservations "My reservations")
* [Corporate program page](https://www.radissonhotels.com/en-us/radisson-rewards/secure/corporate "Corporate program page")
* [ My account](https://www.radissonhotels.com/en-us/radisson-rewards/secure/my-account " My account")
* [My reservations](https://www.radissonhotels.com/en-us/radisson-rewards/secure/reservations "My reservations")
* [Redeem](https://www.radissonhotels.com/en-us/rewards/redeem "Redeem")
* [ My account](https://www.radissonhotels.com/en-us/radisson-rewards/secure/my-account " My account")
* [My reservations](https://www.radissonhotels.com/en-us/radisson-rewards/secure/reservations "My reservations")
* [Redeem](https://www.radissonhotels.com/en-us/rewards/redeem "Redeem")
* [ My account](https://www.radissonhotels.com/en-us/radisson-rewards/secure/my-account " My account")
* [My reservations](https://www.radissonhotels.com/en-us/radisson-rewards/secure/reservations "My reservations")
* [Redeem](https://www.radissonhotels.com/en-us/rewards/redeem "Redeem")
* [Radisson For You](https://www.radissonhotels.com/en-us/radisson-for-you/secure/welcome/pcr "Radisson For You")
* [My reservations](https://www.radissonhotels.com/en-us/radisson-rewards/secure/reservations "My reservations")
* [My Profile](https://www.radissonhotels.com/en-us/radisson-rewards/secure/my-profile "My Profile")
* [Radisson For You](https://www.radissonhotels.com/en-us/radisson-for-you/secure/welcome/tmc "Radisson For You")
* [My reservations](https://www.radissonhotels.com/en-us/radisson-rewards/secure/reservations "My reservations")
* [My Profile](https://www.radissonhotels.com/en-us/radisson-rewards/secure/my-profile "My Profile")
[Log out](# "Log out") 

* [Home](https://www.radissonhotels.com/en-us/)
* Terms and conditions

#  Radisson Rewards Terms and Conditions

[1\. RADISSON REWARDS DEFINITIONS](#definitions)

[2\. MEMBERSHIP IN RADISSON REWARDS](#membership)

• Eligibility

• Enrollment

• Membership Tier

• Membership Benefits

• Membership Obligations

• Termination of Membership

[3\. MEMBERSHIP IN RADISSON REWARDS FOR BOOKERS AND PLANNERS](#membership-business)

• Eligibility

• Enrollment

• Membership Tiers

• Membership Benefits

• Membership Obligations

• Termination of Membership

[4\. RADISSON REWARDS CORPORATE PROGRAM](#rrcorporate)

[](#rrcrew)

• Eligibility

• Enrollment

• Membership Tier

• Membership Benefits

• Membership Obligations

• Termination of Membership

[5\. MEMBERSHIP IN RADISSON REWARDS FOR CREW/AIRLINE EMPLOYEES](#rrcrew)

• Eligibility

• Enrollment

• Membership Tier

• Membership Benefits

• Membership Obligations

• Termination of Membership

[6\. POINTS](#points)

• Earning Points in Radisson Rewards

• Earning Points in Radisson Rewards for Bookers and Planners

• Redeeming Points

• Transfer of Points

• Missing Points

• Points Expiration

• Value of Points

[7\. GENERAL](#general)

• Privacy Policy

• Subject to applicable Law

• Currency Conversion to U.S. Dollars

• Disclaimer of Warranties and Limitation of Liability

• Indemnification

• Exit of Participating Property

• Interpretation of Loyalty Program Rules

• Correction of Benefits

• Transfers

• Program Modifications or terminations

• Dispute Resolution

• Jury Trial

• Statute of Limitations

• Attorneys' Fees

• Force Majeure

• Entire Agreement/Waiver

• Severability

• Electronic Communications

• Notices

• Trademarks

• Administration

[8\. CONTACT US](#contact)

**The following supersedes all prior Radisson Rewards Terms and Conditions. By participating or continuing to participate in Radisson Rewards after the effective date of July 18, 2023, you agree to the following:**

Radisson Rewards™ is the loyalty program of Radisson Hotel Group for Europe, Middle East, Africa and Asia Pacific (“**Radisson Rewards**” or the “**Program**”) as it may be provided from time to time to Program members (“**members**”, “**you**” or “**your**”) by Radisson Loyalty Management B.V, its affiliates and subsidiaries (“**Radisson**”, “**we**”, “**us**” or “**our**”). Radisson Rewards offers its members the opportunity to earn and redeem points (at Participating Properties and with Partners). These terms and conditions (the “**Program Terms**”) govern your membership and participation in Radisson Rewards and it is your responsibility to read and understand all of them. Radisson may at any time, to the largest extent permitted under applicable law, in its sole discretion and without notice or liability, terminate, amend, modify or supplement Radisson Rewards Program benefits, or the Program Terms and Conditions. By becoming and remaining a member of Radisson Rewards, and receiving and redeeming points, you agree that you have read, understand and accept these Program Terms and Conditions, as amended from time to time. Membership and Program benefits are offered at the sole discretion of Radisson.

### 1\. RADISSON REWARDS DEFINITIONS

* “**Award Night**” means a night at a Participating Property paid for by redeeming points. Award Nights are subject to these Program Terms and to the Participating Property Terms.
* “**Award Stay**” means any stay at a Participating Property that includes one or more Award Nights.
* “**Eligible Booking**” means a reservation made by a Radisson Rewards or Radisson Rewards for Bookers and Planners member on a GDS or Radisson website or channel deemed eligible for an Eligible Stay or Eligible Night at an Eligible Rate.
* “**Eligible Food and Beverages**” means certain food and beverages charged to your room during an Eligible Stay.
* “**Eligible Night**” means a night at a Participating Property that is booked at an Eligible Rate.
* “**Eligible Rate**” means a rate identified in Radisson’s reservation system as eligible for points. Eligible Rate does not include, without limitation, the following: employee rates; friends and family rates; airline crew rates; travel agency employee rates; certain promotional and package rates; rates paid using a free night voucher and other complimentary or barter rooms; rates booked through an online travel company (only eligible for benefits), whether such rates are direct, auction or bid rates; rates booked and billed through a master account, including group accounts and tour operator accounts; and certain other rates booked through third parties. Eligibility may be determined by Radisson from time to time in its sole discretion.
* “**Eligible Stay**” means one or more consecutive Eligible Night(s) at the same Participating Property. If a member has checked-in and checked-out on consecutive days, it will count as only one stay for tier progression.
* “**Elite Tier**” means a member tier with different and/or additional privileges, as determined by Radisson from time to time in its sole discretion. To achieve or renew Elite Tier, the following number of Eligible Nights or Eligible Stays ("Minimum Requirement") must be earned:  
   * Radisson Rewards - Premium: 5 Eligible Nights / 3 Eligible Stays  
   * Radisson Rewards - VIP: 30 Eligible Nights / 20 Eligible Stays
* “**Event Purchase**” means the U.S. dollar amount spent at a Participating Property for certain costs associated with meetings, events and conventions, excluding tax and gratuities charged to the event master bill.
* “**Pay with points**” means a redemption method whereby a member pays a portion or full amount with points.
* “**GDS**” means a Global Distribution System
* “**Participating Property**” means certain hotels and properties operating under Radisson brands, including Radisson Individuals, Radisson Collection, Radisson Blu, Radisson, Radisson RED, Park Plaza, Park Inn by Radisson, Country Inn & Suites by Radisson, and Prize by Radisson as from 15th of May 2023, and other brands or concepts that may be added by Radisson, that provide benefits to Radisson Rewards members from time to time. Participating Properties and the Program benefits provided by each Participating Property are subject to change at any time without notice. All properties in Russia do not participate in the Radisson Rewards program.
* “**Partners**” means third parties and their service providers that provide benefits to Radisson Rewards members from time to time. Partners and the Program benefits provided by each Partner are subject to change at any time without notice. Nothing in the Program Terms is intended to or shall create or establish any agency, partnership or joint venture relationship between us and our Partners.
* “**Radisson Rewards**” means the rewards program of Radisson Hotel Group for Europe, Middle East, Africa and Asia Pacific as it may be provided from time to time.
* “**Radisson Rewards for** **Bookers and Planners**” means the loyalty program of Radisson Hotel Group for Europe, Middle East, Africa and Asia Pacific as it may be provided from time to time to meeting and event planners, SME planner and travel agent.
* “**Radisson Rewards Corporate Program**” means the loyalty program of Radisson Hotel Group for Europe, Middle East, Africa, and Asia Pacific as it may be provided from time to time to Corporations.
* “**Room Charges**” means the U.S. dollar amount of the Eligible Rate paid during an Eligible Stay. Room Charges do not include tax, incidental or third-party charges incurred and charged to the room, such as charges for telephone or other communications services, laundry, pay-per-view movies, entertainment, recreational facilities, restaurants, banquets, catering, gift shops, stores, tenants, vendors or concessionaires

### 2\. MEMBERSHIP IN RADISSON REWARDS

a. Eligibility: A membership in Radisson Rewards is open to individual persons who are of majority age in their place of residence. Radisson Rewards members must provide and maintain an accurate email address and an accurate physical address, including city, state or province, and country of residence. An individual may maintain only one Radisson Rewards membership and may not earn Points on more than one Radisson Rewards account. 

b. Enrollment: You may apply for membership in Radisson Rewards at a Participating Property, online at <https://www.radissonhotels.com/en-us/radisson-rewards/join>, via Radisson Hotels App, or by contacting Member Services, to find the number for your area visit [www.radissonhotels.com/en-us/contact-us](https://www.radissonhotels.com/en-us/contact-us "Contact Us"). We may, to the largest extent permitted under applicable law, in our sole discretion and without any liability to you, accept or decline your application for membership in Radisson Rewards. If we accept your application for membership, we will establish a Radisson Rewards account in your name. Radisson Rewards accounts and benefits are strictly personal to the account holder whose name is on the account. Accounts cannot be sold, loaned or transferred. If you apply for membership at a Participating Property during an Eligible Stay and your application is accepted, you will receive your Radisson Rewards member number and credentials at the time of enrollment. If you apply for membership online, via App or by contacting member services and your application is accepted, you will receive your Radisson Rewards member number and credentials via email. Once you are enrolled in Radisson Rewards, you must activate your online account.

c. Membership Tier: Radisson Rewards members may qualify for Club, Premium or VIP tier. Benefits, awards, redemption opportunities and requirements for each tier are determined by us from time to time. Tier eligibility is dependent on the number of Eligible Nights or Eligible Stays at Participating Properties in a 12-month period as follows and is also determined at the sole discretion of Radisson Rewards:

i. Club tier: Radisson Rewards members earn Club tier upon enrollment. No stays or nights are required for this entry level

ii. Premium tier: Radisson Rewards members may earn Premium Status with at least 5 Eligible Nights or 3 Eligible Stays in a 12-month period and each subsequent 12 months.

iii. VIP tier: Radisson Rewards members may earn VIP tier with at least 30 Eligible Nights or 20 Eligible Stays in a 12-month period and each subsequent 12 months.

Only the room in which the member is registered as a guest for the duration of the Eligible Stay will count toward Elite Tier and membership benefits.

Radisson Rewards for Bookers and Planners: members may earn Premium tier after the first eligible professional booking is completed and the reservation has checked out. Nights booked with an Online Travel Company will count as tier nights and contribute towards your tier status

As a Radisson Rewards member, you have a qualification period of 12 months to obtain enough Eligible Nights or Eligible Stays to maintain your tier status or to upgrade to the next tier level. The qualification period starts when the first stay is completed and lasts 12 months until the end of the month. At the end of the qualification period, the Eligible Nights and Eligble stays counter will reset to 0 and a new qualification period of 12 month will start. The minimum number of Eligible Nights and Eligible Stays corresponding to your status will be required to maintain your status (Premium= 5 nights/3 stays, VIP= 30 nights/20 stays). If you did not make enough Eligible Nights and Eligible Stays to maintain your tier during the qualification period, your membership will move down one tier level and the Eligible Nights and Eligible Stays counter would be reset to 0.

As a Club or Premium member, once you achieve enough Eligible Nights and Eligible Stays to access the next tier, your membership tier will be upgraded instantly after check-out. The Eligible Nights and Eligible Stays that allowed you to move to the next level will be deducted from your Eligible Nights and Eligible Stays balance and a new qualification period of 12 months will start 

d. Member Benefits: Radisson Rewards member benefits vary by participating hotel and brand, are subject to availability, and are subject to change at any time. Member benefits are available only when the member is the registered guest for the whole duration of the stay. Void where prohibited by law.

i. Member Only Rate: Up to 15% discount that is applied to Radisson Rewards members only if the member is the registered guest at least in one of the rooms booked. Apply only for direct bookings made on Radisson Hotel Group brand website, mobile site, mobile app, hotel reservations and Contact Center. A maximum of 9 rooms can be booked at a time, a reservation of more than 9 rooms will be considered as a group reservation and the Member Only Rate will not apply. Rooms booked using Member Only Rates cannot be resold by the member.

ii. Discounts on Food and Beverage: Discounts on Food and beverages apply to participating restaurants. Contact the Hotel directly to determine if the hotel’s restaurants are participating. The discount does not apply to tax or tip, alcoholic beverages, room services or in-room dining, catering or banquets, or groups or parties of six or more. Member must be present, must provide their Radisson Rewards member number and must request the discount at or prior to completing their dining experience. Discounts are not applied to offers or promotions nor to meal plans included in RHG rates. For Prize by Radisson, discount will be applicable for soft drinks (hard alcohol: liquors, spirits are excluded).

iii. Priority Line: A dedicated line to access to the front desk service. Applies for all Radisson Rewards member and guests who performed the online check-in. Available only in selected properties and according to hotel occupancy

iv. Free Room Upgrade: Free room upgrades are available only when the Elite member is the registered guest. One complimentary room upgrade per Elite member and per eligible stay may be offered. Room upgrades are determined by the participating hotel depending on availability on the day of arrival. Room upgrades vary by property and by room category and may include a room in a preferred location, a room with a preferred view, or a recently renovated room. Not applicable in Residences, Apartments, and for long stay rates. Upgrades to Suites are only available in selected properties. Certain types of suites are excluded (e.g. Panorama Suite at Radisson Collection Royal is excluded).

v. Early Check-In and Late Check-Out:: Early check-in and late check-out is based on availability and are available only when the Elite member is the registered guest. Early check-in and late check-out mean two hours prior to or two hours later than the hotel’s published check-in and check-out time.

vi. Discount Booster (Up to 20% discount): Up to 20% discount may be applied to the member when the option is enabled on the account. The Discount Booster option can only be selected by each member via Radisson Rewards private area on the Brand website or Radisson Hotel App. The discount is applied only for bookings made directly on Radisson Hotel Group direct channels, including Brand website, Radisson Hotel App, Radisson Hotel Group Contact Center and directly in Radisson Hotels. The Discount Booster is not applicable to certain promotional rates. When the Discount Booster is selected at the time of booking, the Premium member will earn 9 points per dollar spent and the VIP member will earn 12 points per dollar spent. At Prize by Radisson properties, the Premium member will earn 4.5 points per dollar spent and the VIP member will earn 6 points per dollar spent.

vii. My Favorite Hotel: Radisson Rewards members may earn VIP tier with at least 30 Eligible Nights or 20 Eligible Stays in one calendar year and each subsequent calendar year

i. Priority List: Priority List guarantees that the member will be contacted first to book if a cancellation occurs. Please contact the hotel if fully booked to be listed in the Priority List. The Priority List does not ensure availability for booking and is upon availability. Priority List is only available when the hotel has been selected as the “favorite” hotel by the member in their account. The Priority List is only available for Elite members and for the Elite member’s personal guestroom only, for a Room at specified Rates, and is subject to the hotel’s guarantee and cancellation policy.

ii. Favorite room: Room assigned at check-in upon availability. Only available when the hotel has been selected as “favorite” in the member’s account.

iii. Luggage Storage: Only available when the hotel has been selected as the “favorite” hotel in the member’s account. The benefit will be available immediately following the completion of an eligible stay, and when the member has a future stay booked at the same property in the following 20 days after check-out. A maximum of two suitcases are allowed per member. Items are placed in storage under the condition that access is permitted only by the registered guest in person. It is not permitted to deposit one of the following items: guns, drugs, medication, and perishables. Also, it is recommended not to leave any valuable assets such as: money, jewellery, personal documents, or legal documents. If the future reservation is cancelled for any reason (including force majeure) the member must contact the hotel proactively to agree on a way of shipping the belongings to a convenient address. The shipping will be funded by the member. If after 30 days post cancellation the member has not contacted the hotel, or both parties have not come to an agreement, the hotel will discard the items. The hotel is responsible for the security of the items stored and the hotel assumes responsibility for losses due to fault or negligence of the hotel only up to a maximum amount of EUR 3.580 or the legal responsibility under local law. Members will have to prove the value of any missing contents and to document that their insurance does not cover that loss.

viii. Free Breakfast for Two: Is available for each night of an Eligible Stay only for the VIP member and 1 companion, both registered guests. If the VIP member has booked more than 1 room, the free breakfast for two will not apply to the rooms where the VIP is not the registered guest. In Asia Pacific, the Free Breakfast for two is only applicable for buffet breakfast. This benefit does not apply at properties where breakfast is already included at no additional cost as part of the room rate and therefore cannot be purchased separately or at properties with no food and beverages service. 

ix Exclusive VIP Access to Hotel Areas: This benefit applies only to the VIP member as a registered guest. Available only in selected properties and according to hotel occupancy.

x. 24/7 Premium Exclusive Contact Center and 24/7 VIP exclusive Contact Center: English language support by email or phone is available 24 hours a day, 7 days a week. Other languages will be supported only during working hours.

xi. Free Express Ironing: This benefit applies only to VIP members as a registered guest in any Radisson Collection, art’otel, and Holmes Hotel properties. VIP members are entitled to one free ironed item of clothing per stay.

xii. Vouchers: Vouchers are offered at the discretion of Radisson, for use by the guest they are issued to. The book and use by dates are specified with the respective voucher, validity of which may not be extended. The rules of consumption for the voucher are specified per voucher and may not be altered. Vouchers cannot be combined with other promotions unless specified on the voucher. Vouchers cannot be cancelled or refunded unless otherwise stated on the specific voucher conditions, where standard Radisson Rewards terms and conditions apply. Vouchers may not be sold, exchanged, bartered, brokered, transferred, purchased, auctioned, or given away.

e. Membership Obligations: As a Radisson Rewards member, you agree to comply with these Program Terms, the applicable terms and conditions of our Partners, and all applicable laws, rules, and regulations. You agree that your participation in Radisson Rewards is entirely at your own risk. You agree that if you object to any of these Program Terms, or any modifications thereof, or otherwise become dissatisfied with Radisson Rewards, you have the right to terminate your membership. You agree that you are responsible for restricting access to and maintaining the confidentiality of your Radisson Rewards member number, account, and password. You also agree to promptly notify us if your Radisson Rewards member number is stolen, or if you believe your password has been stolen or compromised. You agree that you will provide accurate information to us at all times and to promptly notify us of any change in your information. Any changes to member profiles will result in an account freeze for up to 24 hours, meaning redemptions cannot be made in this period. You understand that the receipt of benefits as a Radisson Rewards member may be subject to tax liability , and agree that any tax liability, including disclosure, with respect to your membership in Radisson Rewards is solely your responsibility.

i. Expiration of Points: If there is no points activity in your Radisson Rewards account for any 24-month period, we may, at any time and in our sole discretion and without notice or liability to you, void and cancel any or all of your points.

f. Termination of Membership:

i. Termination of Your Membership in Radisson Rewards by You: You may terminate your membership in Radisson Rewards at any time by contacting us by any of the contact channels stated at the final chapter of these Terms & Conditions.

ii. Other Modifications to and Termination of Your Membership In Radisson Rewards By Us: In addition to the above, we may, to the largest extent permitted under applicable law, at any time in our sole discretion and without notice or any liability to you, (i) modify, suspend or terminate your membership in Radisson Rewards; (ii) modify, suspend or terminate your Elite Tier; (iii) modify, suspend, void or cancel all or a portion of your points; (iv) modify, suspend, void or cancel your redemption of points. We may take these actions for the convenience of Radisson Rewards, or if there are reasonable grounds for suspecting, in our sole discretion, that (i) you have violated or are using the Program in a manner inconsistent with these Program Terms or the intent of the Program or any portion of the Program; (ii) you have misused or abused Radisson Rewards; (iii) your account activity or membership status involves or results from fraud, dishonesty, theft, or other illegal or improper means; (iv) you knowingly attempt to obtain or maintain more than one Radisson Rewards account; (v) your membership or participation in Radisson Rewards violates any applicable laws, terms or regulations; (vi) our provision of benefits under Radisson Rewards violates any applicable laws, terms or regulations; or (vii) you fail to pay any amounts due to or engage in abusive, inappropriate, offensive, or hostile conduct in connection with Radisson Rewards, Participating Properties, Radisson Hotels or our Partners, or their respective officers, directors, agents, employees, representatives or guests. These rights are in addition to any other remedy which may be available to us under applicable law, and we have the right to take appropriate administrative and/or legal action, including, without limitation, criminal or civil prosecution, we deem necessary in our sole discretion.

iii. Effect of Termination: If your membership in Radisson Rewards is terminated for any reason, your Radisson Rewards account will be closed and all points in your Radisson Rewards account will be cancelled, forfeited, void and no longer available for redemption. If we modify, suspend, void, or cancel any or all your points, such points will be removed from your Radisson Rewards account and will no longer be available for redemption.

### 3\. MEMBERSHIP IN RADISSON REWARDS FOR BOOKERS AND PLANNERS

a. Eligibility: A membership in Radisson Rewards for Bookers and Planners is open to individual persons who are of majority age in their place of residence. Radisson Rewards for Bookers and Planners members must provide and maintain an accurate email address and an accurate physical address, including city, and country of residence. An individual may maintain only one Radisson Rewards membership and may not earn Points on more than one Radisson Rewards account. Radisson Rewards for Bookers & Planners only need one membership to earn for professional reservations and personal reservations.

i. Eligibility as a Room Booker: Application for membership in Radisson Rewards for Bookers and Planners is open to individuals who meet the criteria above in section 3a and who are travel consultants in eligible countries who are members of ARC/IATA/CLIA/TIDS/TRUE; or who are in charge of planning room reservations for others such as Personal Assistants, Travel Managers, Decision Makers and Small and Medium Travel Agencies.

ii. Eligibility as a Meeting and Event Planner: Application for membership in Radisson Rewards for Bookers and Planners is open to individuals who meet the criteria above in section 3a who are event planners, special event planners and other business professionals who plan meetings and conferences for their clients or company.

Application for Radisson Rewards for Bookers and Planners is open to individual persons who have acknowledged and agreed to the Program’s terms and conditions and who are: (i) located in eligible countries, as determined in our sole discretion; (ii) who are of majority of age in their place of residence; (iii) responsible for the reservation of hotel rooms or meeting rooms on behalf of their employer’s or organization; (iv) employed by an organization that Radisson Rewards has approved in its sole discretion. If required by local law, you must notify and inform your employer, as well as receive permission from your employer regarding your participation in Radisson Rewards for Bookers and Planners. Travel Agents with an IATA based in Sweden may have their accounts restricted for redemption by local law, these travel agents must contact Member Services to un-restrict their account for 30 days before a redemption can be made. By participating in Radisson Rewards for Bookers and Planners, you affirm and certify that:

i. You have so notified and informed your employer (and any traveller for whom you reserve hotel rooms) and that they read and understand the Privacy Policy and understand and agree that as a result of your membership in Radisson Rewards for Bookers and Planners you may provide personal information about them and may receive Radisson Rewards for Bookers and Planners benefits.

ii. You will comply with any terms and conditions, including travel policies, gift policies, and incentive policies of your employer, customers and you will comply with any applicable laws.

iii. You will, when required by us, provide us with written evidence that you have made all necessary disclosures and have obtained all necessary.

iv. You will notify us immediately of any change in your employer and update your information and ensure that you notify and obtain the permission of your new employer and comply with the requirements set out about.

v. Disclosure and Consent: You are responsible for disclosing to and receiving consent from your employer, principal and/or client that you will earn points and other incentives received from Radisson Rewards for Bookers and Planners and must comply with any applicable gift and incentive policies.

b. Enrollment: You may apply for membership in Radisson Rewards for Bookers and Planners at a Participating Property, online at [www.radissonhotels.com/en-us/rewards/join-b2b](https://www.radissonhotels.com/en-us/radisson-rewards/join-b2b "Join B2B - REWARDS"), or contacting Member Services (to find the number for your area visit www.radissonhotels.com/en-us/contact-us). Travel Agents with an IATA number can enrol online at [www.radissonhotels.com/en-us/rewards/join-b2b](https://www.radissonhotels.com/en-us/radisson-rewards/join-b2b "Join B2B - REWARDS") or via the Contact Center. We may, to the largest extent permitted under applicable law, in our sole discretion and without any liability to you, accept or decline your application for membership in Radisson Rewards for Bookers and Planners. If we accept your application for membership, we will establish a Radisson Rewards for Bookers and Planners account in your name and send your Radisson Rewards for Bookers and Planners account number to the email address you provide during enrollment. An individual may maintain only one Radisson Rewards membership and may not earn Points on more than one Radisson Rewards account. Once you are enrolled in Radisson Rewards for Bookers and Planners, you must activate your online account.

c. Membership Tiers: Radisson Rewards members may qualify for Club, Premium or VIP tier. Benefits, awards, redemption opportunities and requirements for each tier are determined by us from time to time in our sole discretion. Radisson Rewards for Bookers and Planners members earn Premium tier after the first eligible professional booking is completed and the reservation, group reservation or event has checked out and been billed. Nights or stays booked on behalf of someone else or associated with a meeting or event do not count towards your Elite Tier.

d. Membership Benefits: Radisson Rewards for Bookers and Planners member enjoy all the benefits described in section 2.e in this Terms and Conditions with the exception of the Discount Booster. Radisson Rewards for Bookers and Planners members have access to special benefits, including

i. 24/7 Bookers and Planners exclusive Contact Center: :English language support by email or phone is available 24 hours a day, 7 days a week. Other languages will be supported only during working hours.

e. Membership Obligations: As a Radisson Rewards for Bookers and Planners member, you agree to comply with these Program Terms, the applicable terms and conditions of our Partners, and all applicable laws, rules, and regulations. You agree that your participation in Radisson Rewards for Bookers and Planners is entirely at your own risk. You agree that if you object to any of these Program Terms, or any modifications thereof, or otherwise become dissatisfied with Radisson Rewards for Bookers and Planners to terminate your membership. You agree that you are responsible for restricting access to and maintaining the confidentiality of your Radisson Rewards for Bookers and Planners account number and member profile. You also agree to promptly notify us if you believe your Radisson Rewards for Bookers and Planners account number or member profile, including your password, has been stolen or compromised. You agree that you are responsible for restricting access to and maintaining the confidentiality of your Radisson Rewards member number, account, and password, and accept any consequences of not complying with this obligation including loss or theft of points or personal data. You agree that you will provide accurate information to us at all times and to promptly notify us of any change in your information. Any changes to member profiles will result in an account freeze for up to 24 hours, meaning redemptions cannot be made in this period. You understand that the receipt of benefits as a Radisson Rewards for Bookers and Planners member may be subject to tax liability, and agree that any tax liability, including disclosure, with respect to your membership in Radisson Rewards for Bookers and Planners is solely your responsibility. Please consult a tax advisor regarding any questions about program taxes. Where required by law, you must notify your employer and/or agency, as applicable, and your customers and clients regarding your participation in the Program. By participating in the Program, you affirm that you have so notified your employer and/or agency, customers, and clients, and that they understand that as a result of your membership in Radisson Rewards for Bookers and Planners you may receive Program benefits.

f. Termination of Membership:

i. Termination of Your Membership in Radisson Rewards for Bookers and Planners by You: You may terminate your membership in Radisson Rewards for Bookers and Planners at any time by contacting us by any of the contact channels stated at the final chapter of these Terms and Conditions.

ii. Other Modifications to and Termination of Your Membership in Radisson Rewards for Bookers and Planners By Us: In addition to the above, we may, to the largest extent permitted under applicable law, at any time in our sole discretion and without notice or any liability to you, (i) modify, suspend or terminate your membership in Radisson Rewards for Bookers and Planners; (ii) modify, suspend, void or cancel all or a portion of your points; (iii) modify, suspend, void or cancel your redemption of points. We may take these actions for the convenience of Radisson Rewards for Bookers and Planners, or if there are reasonable grounds for suspecting, in our sole discretion, that (i) you have violated or are using the Program in a manner inconsistent with these Program Terms or the intent of the Program or any portion of the Program; (ii) you have misused or abused Radisson Rewards for Bookers and Planners; (iii) your account activity or membership status involves or results from fraud, dishonesty, theft, or other illegal or improper means; (iv) you knowingly attempt to obtain or maintain more than one Radisson Rewards for Bookers and Planners account; (v) your membership or participation in Radisson Rewards for Bookers and Planners violates any applicable laws, terms or regulations; (vi) our provision of benefits under Radisson Rewards for Bookers and Planners violates any applicable laws, terms or regulations; or (vii) you fail to pay any amounts due to or engage in abusive, inappropriate, offensive, or hostile conduct in connection with Radisson Rewards for Bookers and Planners, Participating Properties, Radisson or our Partners, or their respective officers, directors, agents, employees, representatives or guests. These rights are in addition to any other remedy which may be available to us under applicable law, and we have the right to take appropriate administrative and/or legal action, including, without limitation, criminal or civil prosecution, we deem necessary in our sole discretion.

iii. Effect of Termination: If your membership in Radisson Rewards for Bookers and Planners is terminated for any reason, your Radisson Rewards for Bookers and Planners account will be closed and all points in your Radisson Rewards for Bookers and Planners account will be cancelled, forfeited, void and no longer available for redemption. If we modify, suspend, void, or cancel any or all your points, such points will be removed from your Radisson Rewards for Bookers and Planners account and will no longer be available for redemption.

### 4\. RADISSON REWARDS CORPORATE PROGRAM

Corporate Members may earn 10 points per dollar spent for completed room charges at Participating Properties when booking rooms or 5 points per dollar spent on Meetings & Events and group reservations starting at 9 rooms at Participating Properties. Application for Radisson Rewards Corporate Program is open to corporations and agencies which have appointed a Program Administrator and have acknowledged and agreed to the Program’s terms and conditions and which are: (i) invited and approved by Radisson Rewards, in its sole discretion; (ii) located in eligible countries, as determined in our sole discretion; and (iii) not a professional travel agent.

The corporation must complete the Program Administrator Registration Form and appoint a Program Administrator who shall be responsible for administering the account. By participating in Radisson Rewards, you (the Program Administrator) affirm and certify that:

a. Any traveller for whom you reserve hotel rooms has been notified and informed and that they read and understand the "https://www.radissonhotels.com/en-us/privacy" Privacy Policy and understand and agree that as a result of their company’s membership in Radisson Rewards personal information about them may be provided to Radisson Rewards.

b. You will comply with any applicable laws.

c. You are not employed by any non-U.S. government (including any non-U.S. state-owned enterprise, or any non-U.S. government ministry, agency or similar body exercising any executive, judicial, arbitral, regulatory or administrative functions of or pertaining to government).

d. Deactivation or change of Program Administrator of the Corporate Account is the responsibility of the Program Administrator.

### 5\. MEMBERSHIP IN RADISSON REWARDS FOR CREW/AIRLINE EMPLOYEES

a. Eligibility: A membership in Radisson Rewards for Airlines employees is open to individual persons who are of majority age in their place of residence and who are employed at an Airline. The remaining terms align with Radisson Rewards eligibility requirements.

b. Enrollment: You may apply for membership in Radisson Rewards for Airline employees at a Participating Property using the dedicated enrollment process or through the dedicated enrollment process at selected airlines. The remaining terms align with Radisson Rewards enrollment requirements.

c. Membership Tiers: Radisson Rewards for Airline employee members are enrolled in VIP tier. Benefits, awards, redemption opportunities and requirements for the tier are determined by us from time to time. Tier eligibility is dependent on the number of Eligible Nights and Eligible Stays at Participating Properties in a 12-month period as follows and is also determined at the sole discretion of Radisson Rewards:

Only the room in which the member is registered as a guest for the duration of the Eligible Stay will count toward Elite Tier.  

As a Radisson Rewards for Airline employee member, you have a qualification period of 12 months to obtain enough Eligible Nights and Eligible Stays to maintain your tier status or to upgrade to the next tier level. The qualification period starts when the first stay is completed and lasts 12 months until the end of the month.  

Once you achieve enough Eligible Nights and Eligible Stays to access the next tier, your membership tier will be upgraded instantly after check-out. The Eligible Nights and Eligible Stays that allowed you to move to the next level will be deducted from your Eligible Nights and Eligible Stays balance and a new qualification period of 12 months will start. The minimum number of Eligible Nights and Eligible Stays corresponding to your status will be required to maintain your status (Premium= 5 nights/3 stays, VIP= 30 nights/20 stays).  

If you did not make enough Eligible Nights and Eligible Stays during the qualification period, your membership will move down one tier level. In case you are a Club member, after 12 months without reaching the minimum Eligible Nights and Eligible Stays to upgrade to the next tier level, your Eligible Nights and Eligible Stays counter would be reset to 0 nights/stays and a new qualification period will start.  

d. Membership Benefits: Radisson Rewards member benefits vary by participating hotel and brand, are subject to availability, and are subject to change at any time. Member benefits are available only when the member is the registered guest and on the Airline employee personal stays. Member benefits are not offered to Airline employee members on their duty/work trips. Void where prohibited by law. 

i. Airline Leisure Stay Only Rate: Up to 25% discount on the public flexible rate only if the member is the registered guest and can provide a form of Airline Identification upon check-in. Apply only for direct bookings made on Radisson Hotel Group brand website, mobile site, mobile app, hotel reservations and Contact Center. Rooms booked using Airline Leisure Stay Only Rates cannot be resold by the member.

ii. The remaining benefits align with Radisson Rewards member benefits.

e. Membership Obligations: The membership obligations align with Radisson Rewards requirements.

f. Termination of Membership: The termination of membership aligns with Radisson Rewards requirements.

### 6\. POINTS

a. Earning Points in Radisson Rewards:

i. At Participating Properties: Radisson Rewards members can earn points per U.S. dollar spent on Room Charges and Eligible Food and Beverages at Participating Properties when added to the bill and paid upon check-out. The points and benefits proposition are dependent on the member’s tier level, and member choice of benefits prior to booking their stay. For preferences to apply to the stay, members must alter the settings in their member’s private area prior to completing the reservation.

| **Tier / Options**                                                            | **Club**                                                                                                                                                                                                       | **Premium**             | **VIP**               |
| ----------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------- | --------------------- |
| **Earn Propositions:** All participating RHG brands                           | Up to 15% discount with Member only rate 8 points per $ spend                                                                                                                                                  | 27 points per $ spend   | 36 points per $ spend |
| If Discount Booster is active in the member's account: 9 points per $ spend   | If Discount Booster is active in the member's account: 12 points per $ spend                                                                                                                                   |                         |                       |
| **Earn Propositions:** Prize by Radisson                                      | 4 points per $ spend                                                                                                                                                                                           | 13.5 points per $ spend | 18 points per $ spend |
| If Discount Booster is active in the member's account: 4.5 points per $ spend | If Discount Booster is active in the member's account: 6 points per $ spend                                                                                                                                    |                         |                       |
| **Food and Beverage**                                                         | Points are earned based on the earn proposition selected, when staying in the hotel and restaurant bill is added to hotel bill paid in full at checkout.Points are not earned on alcohol and tobacco products. |                         |                       |
| **Meetings and Events**                                                       | Members earn 5 points per $ spend on meetings and events. Maximum 250,000 points per event.                                                                                                                    |                         |                       |

Room Charges do not include tax, incidental or third-party charges incurred and charged to the room, such as charges for telephone or other communications services, laundry, pay-per-view movies, entertainment, recreational facilities, restaurants, banquets, catering, gift shops, stores, tenants, vendors, or concessionaires.

Points are considered earned once the Eligible Stay has been completed, all charges have been fully paid, and the points have been added to your account. Points are not available for redemption before an Eligible Stay has been completed, fully paid, and added to your account. It may take 7-10 days from your departure date for your points to be posted to your account.

Points may be earned on up to three rooms booked under the same reservation by only one Radisson Rewards member per Eligible Stay, and only if:

1\. The Radisson Rewards member’s name and membership number is included on the reservation

2\. The member is the registered guest at least in one of the rooms.

3\. The credit for multiple rooms is requested at or before the time of check-in.

4\. The member is a registered guest for the total duration of the Eligible Stay.

5\. To earn points for up to three rooms, all room and services charges must be paid by the member upon check out

ii. Through Partners: Radisson Rewards members may earn points with our Partners. These opportunities may vary based on the Radisson Rewards member’s country of residence or where the transaction is taking place, may not be available to all members, are subject to change at any time without notice, are governed by these Program Terms, and are subject to additional terms and conditions as required by an individual Partner. Partners are independent entities, and we are not responsible for the nature or quality of products or services provided by any Partners, nor for any solicitation or marketing efforts by any Partners. You are responsible for complying with Partners’ terms and conditions, and privacy and usage policies. We are not responsible for and assume no liability for the terms, changes or discontinuances of Partners’ terms, conditions, privacy and usage policies, products, or services. By providing your Radisson Rewards member number to a Participating Property, you indicate your preference to earn points.

iii. Purchasing Points: We may offer Radisson Rewards members, from time to time and in our sole discretion, the option to purchase points. We currently offer members the option to purchase points through Points.com. Additional terms and conditions apply, and may be found at https://www.radissonhotels.com/en-us/rewards/earn. Points that are purchased are subject to these Program Terms. Any other sale, purchase, barter, auction, gift, transfer, or assignment of points, except as may be specifically allowed in these Program Terms, is prohibited, and will not be honored.

iv. Member get Member: Referrer is a member of Radisson Rewards who is referring a friend into the program. Referee is a new member of Radisson Rewards who has enrolled specifically through a referral link provided by a Radisson Rewards member. Member must be logged-in and recognized as member of Radisson Rewards to be able to refer a friend. Member may refer a friend through the link available in their member’s account only. No other form of referral will be valid to receive the bonus points. If the person who was referred into the program, enrolled in Radisson Rewards through the generic enrollment form, the bonus points will not be awarded to both the referrer and the referee. Both the referrer and the referee will earn 1,000 points. For the points to be earned the referee must:

a. Have enrolled through the specific link provided by the referrer.

b. Have booked an eligible stay through one of Radisson Hotel Group direct channels (Web, App, Contact Center or Hotel) within 365 days after registering through the referral link. The bonus points will be awarded after the first stay of the referee as a Radisson Rewards member

c. Have booked an eligible stay with his/her/their Radisson Rewards number filled out during booking.

d. Have checked-out of the property.

The points will be awarded on the referrer and referee account 5 to 7 business days after check-out. Radisson Rewards member may earn up to 50,000 bonus points per calendar year through Refer a Friend. When the 50,000 bonus, points earned is reached, members can still refer friends into the program but will not earn points. If the referrer already reached 50,000 bonus points earned through Refer a Friend, the referee will still earn the 1,000 points after their first Eligible Stay.

b. Earning Points in Radisson Rewards for Bookers and Planners: Points can be earned by travel agents, travel arrangers, meeting and event planners, and other business professionals who book rooms on behalf of someone else and/or plan meetings and conferences at Participating Properties.

i. Earning Points for Room Bookings: Travel Agent and Travel Arranger members may earn 10 points per dollar spent for Eligible Bookings at participating properties when booking travel on behalf of others. If you are booking a stay at a Participating Property in the Radisson Hotel Group portfolio in Europe, Middle East, Africa or Asia-Pacific, you will need to be a member of Radisson Rewards for Bookers and Planners and enter your 16-digit member number in the Global Distribution System (GDS) or be logged in to the Radisson website to earn points for that booking. Additional instructions on how to book and earn points can be found at: <https://www.radissonhotels.com/en-us/rewards/business>. Points will be issued after the guest’s stay has been checked out. A maximum of 9 rooms can be booked at a time. A reservation of more than 9 rooms will be considered as a group reservation and Event Bookings earning proposition will be applied. Nights or stays booked for someone else or associated with a meeting or event do not count towards your Elite Tier.

ii. Earning Points for Event Bookings: Meeting & Event Planner and Travel Arranger members may earn 5 points per dollar spent for Event Bookings (based on the total spend on the meeting room hire, food and beverage and bedrooms charged to a master bill up to a maximum of 250,000 points per event and 250,000 per group room booking.) Points for event bookings may not be earned where prohibited by applicable law, rule or regulation. You must request to earn points for Event Bookings at the time the meeting, event or convention is booked by including your name and Radisson Rewards for Bookers and Planners member number on the contract with the Participating Property. Event Bookings must be applied to one master bill to be eligible for points. Only one Radisson Rewards for Bookers and Planners member may earn points for Event Bookings. You do not have to attend the meeting or event to be eligible to earn points for Event Bookings. You do not have to be the contract signer, final payer or contract negotiator to be eligible to earn points for Event Bookings. Some services and amenities may not be provided directly by the Participating Property, and these and other charges, including charges for cancellation, attrition, and other payments, may not be eligible as Event Bookings points earning. Please allow 6-8 weeks after the event has been paid for in full for posting of points to Member’s account.

c. Redeeming Points:

i. Generally: Radisson Rewards and Radisson Rewards for Bookers and Planners members may redeem points at Participating Properties or through our Partners. Points may be redeemed for the benefit of the Radisson Rewards or Radisson Rewards for Bookers and Planners member or for another individual as a gift. Members can book an Award Night as a gift for their friend or family member but they cannot sell it for a profit. Except for transfers of points expressly allowed in these Program Terms or with Radisson’s written consent, points may not otherwise be sold, exchanged, bartered, brokered, transferred, purchased, auctioned, or given away. Redemption options are subject to change from time to time without notice in our sole discretion.  
When redeeming points, you will be required to verify your Radisson Rewards or Radisson Rewards for Bookers and Planners account information. The corresponding number of points will be subtracted from your account at the time the transaction is initiated, and there must be a sufficient number of points in your account at that time for the transaction. Points in two or more different accounts may not be combined for redemption. Redemption transactions may be approved or revoked in the sole discretion of Radisson.

ii. At Participating Properties:

1\. Award Nights: Radisson Rewards or Radisson Rewards for Bookers and Planners members may redeem points for Award Nights at Participating Properties, subject to availability. Award Night reservations must be made in advance, and must be made through the Radisson Hotels website, the Radisson Hotels mobile app or by contacting the Contact Center. Award Nights may not be combined with other certificates, discounts, packages, or promotional offers and are not commissionable, including without limitation commissions to travel agents, unless specified as a separate promotion. Award Nights apply to a standard room with standard occupancy. Additional occupants are subject to the Participating Property’s standard extra person charges. In avoidance of doubt, even if a member makes a booking for 3 people on an Award Night redemption for a standard room, a member will still need to pay for the extra person. Award Nights are subject to each Participating Property’s cancellation, guarantee and deposit policies. Points equal to one night of an Award Night reservation will be deducted from your account if your reservation is not cancelled in accordance with the Participating Property’s cancellation policy. Any incidental charges in connection with an Award Night are the sole responsibility of the member. Members can book an Award Night as a gift for their friend or family member, but they cannot sell it for a profit. Members will be able to redeem points for hotel stays up to 600USD per night via website, app or Contact Center. A member can redeem points for hotel stays over 600USD at the check-out desk.

2\. Pay with points: Members can redeem their points in the hotel for services consumed during the stay, from Meetings and Events or for the stay itself at checkout, paying a minimum of 10 points.

iii. Through Partners: Radisson Rewards members may redeem points with our Partners. Redemption opportunities and requirements with each Partner vary, are not available where prohibited by law, are subject to change at any time, are governed by these Program Terms, and are subject to additional terms and conditions as required by an individual Partner. Partners are independent entities and Radisson Rewards is not responsible for the nature or quality of products or services provided by any Partners, nor for any solicitation or marketing efforts by any Partners. You are responsible for directly checking and complying with a Partners’ terms, conditions, and privacy and usage policies. We are not responsible for and assume no liability for the terms, changes or discontinuances of Partners’ terms, conditions, privacy and usage policies, products or services.

iv. Donating Points: Radisson Rewards members may donate points to certain non-profit organizations, as determined by us from time to time in our sole discretion. Any other donation, transfer or gift of points is prohibited and will not be honored. Donated points are not tax deductible.

d. Transferring Points:

i. Between Members: Radisson Rewards members may transfer points within the program to a maximum of 5 members per month. Members who have points transferred to them may not receive points from more than 5 accounts in one month. The maximum number of points a member can receive into their account from points transfer per month is 100,000 points. To complete or receive points transfer, a member must be a member of Radisson Rewards for more than 30 days.

ii. Upon Death Points belonging to a Radisson Rewards or Radisson Rewards for Bookers and Planners member who is deceased may be transferred to the account of the deceased member’s beneficiary(ies) in our sole discretion. The deceased member’s membership in Radisson Rewards or Radisson Rewards for Bookers and Planners must have been in good standing at the time of death. The transfer request must include documentation showing proof of death, such as a death certificate, and proof of authority to make the request, such as court documents or the decedent’s will. Requests must be made within one (1) year of the date of death or the deceased member’s account will be closed and all points forfeited.

e. Expiration of Points: If there is no points activity in your Radisson Rewards or Radisson Rewards for Bookers and Planners account for any 24-month period, we may, at any time and in our sole discretion and without notice or liability to you, void and cancel any or all of your points.

f. Missing Points: You are responsible for verifying that points are properly credited to your Radisson Rewards or Radisson Rewards for Bookers and Planners account. Any claim for points not properly credited must be received by Radisson with supporting documentation within twelve (12) months of the date of the claimed accrual of such points.

g. Value of Points: Except where required by law, points have no cash value and do not constitute member property. Accumulation of points does not entitle members to any vested rights with respect to any awards or the Program. As a Radisson Rewards or Radisson Rewards for Bookers and Planners member, the only right you acquire in points is the opportunity to surrender them for redemption in accordance with these Program Terms.

### 7\. GENERAL

a. Privacy Policy: Participation in Radisson Rewards is subject to the terms and conditions of the Radisson Guest Privacy Policy, found at www.radissonhotels.com/en-us/privacy (collectively our “Privacy Policies”), and our Site Usage Agreement set forth at www.radissonhotels.com/en-us/site-usage. You can find more information about the processing of your personal data by Radisson, including any rights in relation thereto, via the following link: https://www.radissonhotels.com/en-us/privacy.

b. Subject to Applicable Law: Membership and participation in Radisson Rewards and/or Radisson Rewards for Bookers and Planners, and the collection and redemption of points, is subject to and may be void where prohibited or restricted by applicable law, rule or regulation, or employer’s or customer’s policies or requirements. In addition, you may enjoy certain statutory rights pursuant to the law of your country of residence that may not be limited by these Program Terms. Nothing in these Program Terms shall limit such statutory rights.

c. Currency Conversion to U.S. Dollars: All amounts settled in a currency other than U.S. dollars will be converted to U.S. dollars at a conversion rate determined by us in our sole discretion.

d. Disclaimer of Warranties and Limitation of Liability:

RADISSON OFFERS RADISSON REWARDS AND RADISSON REWARDS FOR BOOKERS AND PLANNERS, THESE PROGRAM TERMS, AND ANY OTHER RELATED SERVICES AND PRODUCTS “AS-IS” AND, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, EXPRESSLY DISCLAIMS ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, DESIGN, ACCURACY, CAPABILITY, SUFFICIENCY, SUITABILITY, CAPACITY, COMPLETENESS OR AVAILABILITY. WITHOUT LIMITING THE FOREGOING, RADISSON DOES NOT REPRESENT, WARRANT, OR GUARANTY THAT RADISSON REWARDS OR RADISSON REWARDS FOR BOOKERS AND PLANNERS OR ANY OTHER RELATED SERVICES AND PRODUCTS WILL BE UNINTERRUPTED, WITHOUT OMISSIONS OR ERROR FREE, OR THAT DEFECTS WILL BE CORRECTED OR CHANGES IMPLEMENTED.  
YOU AGREE THAT UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, WILL RADISSON, ITS OWNERS, AFFILIATES AND SUBSIDIARIES, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES AND AGENTS HAVE ANY LIABILITY OR RESPONSIBILITY WHATSOEVER FOR, AND SHALL BE HELD HARMLESS AGAINST, ANY LIABILITY FOR ANY INJURIES, LOSSES OR DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES TO PERSONS, INCLUDING WITHOUT LIMITATION PERSONAL INJURY, DEATH, OR PROPERTY DAMAGE ARISING IN WHILE OR IN PART, DIRECTLY OR INDIRECTLY, FROM MEMBERSHIP OR PARTICIPATION IN RADISSON REWARDS OR RADISSON REWARDS FOR BOOKERS AND PLANNERS OR USE OF AWARDS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.  
Nothing in these Program Terms excludes or limits Radisson's liability for any matter in respect of which it would be unlawful for Radisson to exclude or restrict its liability. This may include (without limitation, depending on your country of residence) death or personal injury caused by Radisson's negligence, and fraud or fraudulent misrepresentation.

e. Indemnification: You agree to indemnify, release and hold harmless Radisson, the Participating Properties, and our Partners, and any of their parents, subsidiaries and affiliates, and their respective directors, officers, employees and agents, from any liability, costs, damages and fees (including attorney’s fees) arising out of any claims related to your membership in Radisson Rewards or Radisson Rewards for Bookers and Planners.

f. Exit of Participating Property: If a Participating Property exits the Loyalty Program for any reason, a member will not earn points or qualifying nights for stays at such Participating Property, and any Awards, other promotions and special offers will no longer be valid after the date on which the Participating Property exited the Loyalty Program, even if the reservation for a stay at the former Participating Property was made prior to that date. If a hotel ceases to be a Participating Property after an Award Night reservation is made, but before the actual stay, Radisson will use reasonable efforts to have the hotel honor the Award Night reservation but cannot and does not guarantee that any such Award Night reservations will be honored. In addition, at the discretion of Radisson, Award Nights may not be available for reservation at a hotel once it is determined that such hotel will be leaving the Radisson system or otherwise will cease to be a hotel in the Radisson system regardless of the length of time before such hotel leaves the system.

g. Interpretation of Loyalty Program Rules: All interpretations of these Loyalty Program rules regarding membership are at the Company’s sole discretion, and the Company’s decisions will be final. In the event of any discrepancy between the English version and any translated version of these Program Rules, the English language version will govern.

h. Correction of Benefits: At any time and in the Company’s sole discretion (including, without limitation, where a Member was not eligible to earn a specific benefit pursuant to these Program Rules), the Company may correct (i) the amount of Points or the number of Qualifying Nights credited to a Member’s Account, and (ii) any other benefit that has been credited to a Member’s Account, including, without limitation, any Elite Membership Status or Lifetime Elite Membership Status.

i. Transfers: Except as expressly allowed in these Program Terms or with Radisson’s written consent, Radisson Rewards or Radisson Rewards for Bookers and Planners membership, points, Award Nights, Elite Tier, and other Program benefits may not be sold, exchanged, bartered, brokered, transferred, purchased, auctioned or given away, including without limitation as part of a domestic relations matter, divorce, inheritance, or otherwise by operation of law.

j. Program Modifications or Termination: To the largest extent permitted under applicable law, we reserve the right at any time, in our sole discretion, with or without notice and without any further liability or obligation, even though changes may affect the value of points already accumulated, to (i) add, modify, delete, change, suspend or terminate (“Change”) Radisson Rewards or Radisson Rewards for Bookers and Planners, in whole or in part; including without limitation any of the rules, procedures, conditions, benefits, awards, award levels, Participating Properties, Partner affiliations and opportunities, earning terms, redemption rules, or award availability (ii) Change these Program Terms, in whole or in part; (iii) Change any Radisson Rewards or Radisson Rewards for Bookers and Planners offers; (iv) Change the ability to redeem points in whole or in part; (v) Change the procedures for redeeming points, including the number of points required for redemption; (vi) Change the ability to accrue points, including but not limited to imposing time limits and changes in point values, in whole or in part; or (vii) assign in whole or in part Radisson Rewards or Radisson Rewards for Bookers and Planners to any related or unrelated entity. Upon assignment, the performance of the obligations herein will thereafter be the sole and direct responsibility of that entity. In the event of the termination of Radisson Rewards or Radisson Rewards for Bookers and Planners, all points not redeemed by the termination date of Radisson Rewards or Radisson Rewards for Bookers and Planners will be forfeited without compensation or any further obligation or liability, and no redemption of points will be honored thereafter. In accumulating points and otherwise participating in the Program, you may not rely upon the continued availability of Radisson Rewards or Radisson Rewards for Bookers and Planners, or any earning, redemption, or other offers made in connection with Radisson Rewards or Radisson Rewards for Bookers and Planners. All offers are available while supplies last, subject to any applicable cancellation policies, and are subject to change and/or revocation without notice. Program account information is our proprietary information and may be accessed by members only for the purpose of obtaining information regarding their account. We reserve the right to audit or investigate Program accounts and information at any time without notice to ensure compliance with Program Terms. During an audit or investigation, information may be shared with parties assisting in such audit or investigation

k. Governing Law and Interpretation: Your enrollment application and points earning, and redemption claims under Radisson Rewards are subject to our verification and acceptance in our sole discretion, all which acts shall be deemed made, performed, transacted, and closed in Belgium. Any claim or dispute arising or relating thereto or otherwise involving Radisson Rewards, membership or these Program Terms shall be governed and construed in accordance with the laws of Belgium, without regard to its choice of law or conflict of laws terms. All interpretations of the Program Terms shall be at the sole discretion of Radisson. The English language version of the Program Terms governs. However, nothing in these Terms shall affect your rights to rely on mandatory provisions of the law of your country of residence.

l. Dispute Resolution: Any action arising out of or relating to these Terms shall be brought exclusively before the courts of Brussels, Belgium. Without prejudice to the foregoing, if your country of residence gives you the right to do so, you may also bring legal proceedings in respect of these Program Terms in the courts of the country in which you are resident. If you are a resident of the European Union and wish to have more information on online dispute resolution, please follow this link to the website of the European Commission: http://ec.europa.eu/consumers/odr/. This link is provided as required by Regulation (EU) No 524/2013 of the European Parliament and of the Council, for information purposes only. Radisson is not obliged to participate in online dispute resolution.

m. Jury Trial: To the extent permissible under applicable law, the parties irrevocably waive any right they may have to a jury trial

n. Statute of Limitations: All rights to bring any claim or action relating to the Program, the Program Terms, any award, any redemption, or the parties' relationship must be brought within the period of limitation stipulated by applicable law which follow the first occurrence of the kind of act, event, condition, or omission upon which the claim or action is based.

o. Attorneys' fees: To the largest extent permitted under applicable law, the prevailing party in any action or proceeding arising under, out of, in connection with, or in relation to the Program, the Program terms, any award or reimbursement, or the parties’ relationship is entitled to recover its reasonable attorneys' fees and costs.

p. Force Majeure: Our failure to administer Radisson Rewards or Radisson Rewards for Bookers and Planners in accordance with these Program Terms because of an act of God, epidemic, pandemic, war, fire, riot, terrorism, earthquake, actions of federal, state, or local governmental authorities, including but not limited to the imposition of sanctions, or for any other reason beyond our reasonable control will not be deemed a breach of these Program Terms.

q. Entire Agreement/Waiver: These Program Terms and the other terms expressly referenced herein and linked hereto constitute the entire agreement between you and us, your opportunity to earn and redeem points through Radisson Rewards or Radisson Rewards for Bookers & Planners, and your entitlement to any other benefits of Radisson Rewards, and supersede all prior agreements between us, whether oral or written, including, without limitation, all previous versions of these Program Terms. If we fail to act with respect to your breach or anyone else's breach of these Program Terms on any occasion, we do not waive our right to act with respect to future or similar breaches.

r. Severability: If any provision of these Program Terms is held by a court of competent jurisdiction to be void, invalid, contrary to law, or unenforceable for any reason, such provision shall be changed and interpreted to best accomplish the objectives of the original provision to the fullest extent allowed by law and the remaining provisions of these Program Terms shall remain in full force and effect.

s. Electronic Communications: When you interact with us over the Internet, you consent to the formation of contractual relations through electronic communications. You represent and warrant that you have the legal right, power, and authority to agree to these Program Terms on behalf of yourself and the member or other entity on whose behalf you are acting while participating in the site if not acting only for yourself. You further agree that your use constitutes an electronic signature and that you have formed, executed, entered into, accepted the terms of, and otherwise authenticated these Program Terms and acknowledged and agreed that these Program Terms are an electronic record and as such are completely valid, have legal effect, are enforceable, and are binding on, and non-refutable by you and the member, buyer, supplier or other entity on whose behalf you are acting. You are responsible for remaining knowledgeable as to Program Terms, newsletters, account statements, the privacy policy, and your membership account status. We may attempt, but are not required, to notify you of matters of interest, including notification of point forfeiture or Program changes. We are not liable for any failure to do so and are not responsible for incorrect or inaccurate transcription of your contact information, for problems related to any of the equipment or programming associated or utilized by you, for any human error, for any interruption, deletion, omission, defect or line failure of any electronic communications network or electronic transmission, for problems relating to computer, mobile or other equipment, software, inability to access any site or online service, for any other technical or non-technical error or malfunction, for lost, late, stolen, illegible, incomplete, garbled, misdirected, mutilate or postage-due mail, e-mail or other communication for whatever reason. You are responsible for creating and protecting private account access information and for maintaining the security of that information. We are not responsible for stolen or otherwise intercepted account access information. If the security of that information is breached, we are not liable for any access to that account, accumulation of points, award redemptions or other account activity that occurs as a result, and in no event are we responsible for reimbursing any points redeemed or other damages or losses claimed to occur as a result. If you become aware of any fraudulent or otherwise improper activity, you must report that activity to us immediately. You are responsible for advising us of any changes to your contact information.

t. Notices: Radisson reserves the right to post or give all notices or communications hereunder in the English language. However, these Program Terms do not affect your statutory rights to receive notices or communications by Radisson in the language determined by the law of the country of your residence.

u. Trademarks: Radisson Rewards, Radisson Rewards for Bookers and Planners, Radisson Blu, Radisson, Radisson RED, Park Plaza, Park Inn by Radisson, Country Inn & Suites by Radisson, Prize by Radisson and any other current and future trademarks are service marks and trademarks of Radisson, or its affiliates or subsidiaries, and may not be reproduced or utilized in any way without the express, prior written consent of Radisson.

v. Administration: Radisson, its affiliates and subsidiaries may from time to time sell points to third parties, including Participating Properties and Partners, and redeem points for cash (including, without limitation, points received from Participating Properties), airline tickets and other merchandise from our Partners.

### 8\. CONTACT US

If you have questions about Radisson Rewards and/or Radisson Rewards for Bookers and Planners or these Program Terms, or to update your Radisson Rewards and/or Radisson Rewards for Bookers and Planners account information, please visit [www.radissonhotels.com/en-us/contact-us](https://www.radissonhotels.com/en-us/contact-us "Contact us") and contact us.

**Mail:** Radisson Loyalty Management B.V.  
Avenue du Bourget 44  
1130 Brussels  
Belgium

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