# Source: https://www.americanexpress.com/au/credit-cards/velocity-platinum-card

# The American Express Velocity Platinum Card

Earn Velocity Points on your every day spend.

[Apply Now](https://www.americanexpress.com/en-au/credit-cards/apply/personal/velocity-platinum?pct=W7J&mrsourcecode=V03100PV&intlink=en-au-amex-cardshop-details-apply-velocityPlatinumCard-side-rail)Compare Card

\*Terms And Conditions

New Card Member Offer

New Card Member Offer​

<b>Earn up to 100,000 bonus Velocity Points<sup>1</sup></b>

That’s 70,000 bonus Velocity Points when you apply online by 13 October 2026, are approved, and spend $5,000 on eligible purchases on your new American Express Velocity Platinum Card within the first 3 months of your approval date. Plus, earn an additional 30,000 bonus Velocity Points when you spend a further $5,000 on eligible purchases within the first 3 months of your second year of Card Membership. T&Cs apply. New Amex Card Members only. 

### New Card Member Offer

New Card Member Offer​

### **Earn up to 100,000 bonus Velocity Points1**

That’s 70,000 bonus Velocity Points when you apply online by 13 October 2026, are approved, and spend $5,000 on eligible purchases on your new American Express Velocity Platinum Card within the first 3 months of your approval date. Plus, earn an additional 30,000 bonus Velocity Points when you spend a further $5,000 on eligible purchases within the first 3 months of your second year of Card Membership. T&Cs apply. New Amex Card Members only. 

Key Information

Card Type

[Credit Card](https://www.americanexpress.com/au/content/credit-cards/)

Annual Fee

$440 p.a.

Interest Rate

23.99% p.a. on purchases2

Interest Free Period

Up to 55 days3

### How You Earn Velocity Points

* ###  
2.25 VELOCITY POINTS4 on eligible purchases within Virgin Australia4  
## 2.25  
## VELOCITY POINTS4  
## on eligible purchases within Virgin Australia4  
## per $1 spent
* ###  
1.25 VELOCITY POINTS4 on Card purchases, except spend at government bodies in Australia  
## 1.25  
## VELOCITY POINTS4  
## on Card purchases, except spend at government bodies in Australia  
## per $1 spent
* ###  
0.5 VELOCITY POINTS4 on purchases at government bodies in Australia4  
## 0.5  
## VELOCITY POINTS4  
## on purchases at government bodies in Australia4  
## per $1 spent

Key Benefits

Complimentary Annual Domestic Flight

Enjoy a complimentary annual Virgin Australia return economy domestic flight between selected cities each anniversary year5.

Virgin Australia Lounge Access

Unwind in comfort with VA Lounge Access6 every time you fly domestically with Virgin Australia

Up to 100 Bonus Velocity Status Credits7

Be awarded 50 Status Credits when you spend $25,000 on eligible purchases each Membership year and a further 50 Status Credits when you spend another $25,000 in the same Membership year7.

## All Benefits

## 

Velocity Rewards

Up to 100 Bonus Velocity Status Credits7

Earn up to 100 Velocity Status Credits each year. Status Credits help you jump Velocity tier status and escape the crowds and skip the queues. Be awarded 50 Status Credits7 when you spend $25,000 on eligible purchases each Membership year and a further 50 Status Credits when you spend another $25,000 in the same Membership year.

Additional Cards

Earn points faster with up to 4 Additional Cards for family members or friends for no extra fee. All points earned will be credited to your Account9

## 

Travel Benefits

Complimentary annual domestic flight

Receive an annual complimentary domestic economy return flight on Virgin Australia between selected cities each anniversary year.5

Virgin Australia Lounge Access

Your American Express Velocity Platinum Card gives you access to Virgin Australia lounges at select domestic airports, every time you fly Virgin Australia domestically. Slip away from the crowds, sample an array of complimentary food and beverages, and take a load off before you take off. Enrolment in the VA Lounge Access6 benefit required.

2 Virgin Australia Guest Lounge Passes

Each Membership year receive 2 complimentary Virgin Australia Guest Lounge Passes10 to treat friends or family to VA Lounge access, when travelling with you on a domestic Virgin Australia flight.

Complimentary Travel insurance

Travel with domestic and international insurance11 for you, your partner and your dependent children, when you pay for your return trip on your Card. Some of the covers included are:  
  
\- Medical emergency expenses  
\- Public transport accident up to $400,000  
\- Trip cancellation and amendment up to $12,500  
\- Loss or damage to baggage, money or documents up to $10,000  
\- Travel inconvenience if your flight is delayed  
\- A range of cover for COVID-19  
  
Sub-limits apply. Please refer to the ‘Schedule of Benefits’ section of the Insurance Terms and Conditions for full details.  
  
Terms, conditions and exclusions apply (such as maximum age-limits, pre-existing medical conditions and cover limits).

## 

Service and Protection

Travel and shop with confidence

Be protected by the world-class service and protection of American Express with these benefits: 

* Card Purchase Cover11, covering eligible stolen or damaged items purchased with your CardInformation button icon
* Card Refund Cover11, covering the cost of recent and unused purchases when a store refuses a returnInformation button icon
* Fraud Protection Guarantee12, protecting you from unauthorised charges made on your AccountInformation button icon
* Emergency Card replacement13, for lost or stolen Cards to virtually anywhere in the world
* Plan It® is a feature on your American Express Credit Card that allows you to pay off eligible transactions over $100 or a portion of your balance in equal monthly instalments. Choose between 3, 6 and 12 month terms, with no interest and a fixed monthly fee14.
* Compatibility with Apple Pay, Samsung Pay and Google Pay

## Eligibility

To apply for The American Express Velocity Platinum Card you need to:

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

## 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](https://www.americanexpress.com/en-au/credit-cards/about-credit-cards/income-requirements/) (e.g, payslips)

Please click [here](https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au%5FKFS%5FVelocity.pdf) to read the Key Facts Sheet for this Credit Card.

Velocity Platinum Card FAQs

* Does the Amex Velocity Platinum Card give access to Airport Lounges?
* What is the Annual Card Fee for the Amex Velocity Platinum Card?
* How is the limit on the Amex Velocity Platinum Card determined?
* How do I earn and use the Velocity Points on my Card?
* What are the benefits of the Amex Velocity Platinum Card for frequent flyers?

## Important Information

* [Velocity Points Terms and Conditions](https://icm.aexp-static.com/Internet/IntlHomepage/japa/AU%5Fen/shared/pdfs/velocity-points-terms-and-conditions.pdf)
* [Insurance Terms and Conditions](https://www.americanexpress.com/australia/velocityplatinuminsurance)
* [Velocity Platinum Card Benefit Terms and Conditions](https://www.americanexpress.com/australia/velocityplatinumbenefits)
* [Card Terms & Conditions](https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit%5FCard%5FConditions.pdf)
* [Target Market Determination](https://www.americanexpress.com/content/dam/amex/au/pdfs/credit-cards/TargetMarketDetermination%5FVelocityPlatinum.pdf)

## Ready to Apply?

[Apply Now](https://www.americanexpress.com/en-au/credit-cards/apply/personal/velocity-platinum?pct=W7J&mrsourcecode=V03100PV&intlink=en-au-amex-cardshop-details-apply-velocityPlatinumCard-banner)

Applying takes less than 10 minutes, and you could receive a response within 60 seconds

---

## 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")
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* [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")

---

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

# The American Express Velocity Platinum Card

Cards are offered, issued and administered by American Express Australia Limited. Credit provided by American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence No. 291313\. ®Registered Trademark of American Express Company.  

American Express income and credit approval criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 1 May 2026 and are subject to change. Applicants must be 18 years of age or over to apply for the American Express Velocity Platinum Credit 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.

To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, available here, as amended from time to time.

1. Bonus & Eligibility.  
To earn up to 100,000 bonus Velocity Points, you must apply online by 13 October 2026, be approved, and meet the following criteria. You’ll receive 70,000 bonus Velocity Points when you spend $5,000 or more on eligible purchases on your new Card within the first 3 months from the Card approval date. To receive an additional 30,000 bonus Velocity Points, you need to remain an American Express Velocity Platinum Card Member and spend $5,000 or more on eligible purchases 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, interest, late payment, cash advances, balance transfers, 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 to earn the additional 30,000 bonus Velocity Points in your second year of Card Membership even if you did not meet the $5,000 minimum spend criteria to receive the 70,000 bonus Velocity 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. Velocity Points are earned in accordance with the American Express Velocity Cards Points Terms and Conditions available [here](https://icm.aexp-static.com/Internet/IntlHomepage/japa/AU%5Fen/shared/pdfs/velocity-points-terms-and-conditions.pdf) and are subject to the Terms and Conditions of the Velocity Frequent Flyer program available [here](https://www.velocityfrequentflyer.com/member-support/terms-conditions?cmpid=VFF0957%5FDECC%5FBonus%5FeDM%5FDel01%5Fapply&bId=2079820344&acId=742488943&clid=FCP%5F817192568%5FPDM217302). $440 Annual Card Fee applies. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. Information is correct as at 5 August 2026.
2. Interest Rate.  
This interest rate does not apply for Cash Advances and associated fees.
3. Interest Free Period.  
You will have up to 55 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued.
4. Velocity Points  
As long as your Account remains current and in good standing and you must be a member of the Velocity Frequent Flyer program to earn and redeem Velocity Points. Velocity Points are earned in accordance with the American Express Velocity Cards Points Terms and Conditions available at [americanexpress.com.au/VelocityPointsTerms](https://icm.aexp-static.com/Internet/IntlHomepage/japa/AU%5Fen/shared/pdfs/velocity-points-terms-and-conditions.pdf) ,and are subject to the Terms and Conditions of the Velocity Frequent Flyer program available at [experience.velocityfrequentflyer.com/member-support/terms-conditions](https://experience.velocityfrequentflyer.com/member-support/terms-conditions?cmpid=VFF0957%5FDECC%5FBonus%5FeDM%5FDel01%5Fapply&bId=2079820344&acId=742488943&clid=FCP%5F817192568%5FPDM217302). Exclusions apply. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment fees, cash advances, balance transfers, fees for traveller’s cheques and foreign currency conversion. These do not earn Velocity Points. For the full list of exclusions, please refer to the [American Express Velocity Cards Points Terms and Conditions](https://icm.aexp-static.com/Internet/IntlHomepage/japa/AU%5Fen/shared/pdfs/velocity-points-terms-and-conditions.pdf). Certain transactions will earn 0.5 points per dollar with Merchants classified as; government, including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example, a payment made to local government bodies processed through payment aggregator may earn rates at the government earn rate. Velocity Points earned on Virgin Australia spend are only valid for purchases made in Australia.
5. Complimentary Domestic Return Virgin Australia Flight  
The complimentary domestic economy Virgin Australia return flight is only available between selected Australian cities and is available for booking by American Express Velocity Platinum Primary Card Members each year after the anniversary of your Card Membership. All flights are subject to availability and neither Virgin Australia nor American Express guarantees that seats or tickets will be available on the dates or at the times you may wish to fly. Seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. Some flights may not have any seats available for redemption. Route availability is subject to change without notice. All travel is subject to the American Express Velocity Platinum Card Benefits Terms and Conditions available [here](https://www.americanexpress.com/content/dam/amex/au/pdfs/credit-cards/pds%5Fvelocity-platinum-benefits-tncs.pdf) and travel is subject to Virgin Australia Conditions of Carriage available [Conditionsofcarriage/VirginAustralia.com.](https://www.virginaustralia.com/au/en/about-us/policies/legal/conditions-of-carriage/).
6. Virgin Australia Lounge Access  
The American Express Velocity Platinum Card Virgin Australia Lounge Access is subject to the [American Express Velocity Platinum Card Benefits Terms and Conditions](https://www.americanexpress.com/content/dam/amex/au/pdfs/credit-cards/pds%5Fvelocity-platinum-benefits-tncs.pdf). The Virgin Australia Lounge Access provides the Primary Card Member with access to Virgin Australia lounges at Australian domestic airports whenever they are flying on a Virgin Australia operated domestic flight on the same day. To qualify for Virgin Australia Lounge Access, your Card Account with American Express must be in good standing. American Express Velocity Platinum Primary Card Members will receive 12 months of lounge access on your Velocity membership. Enrol via your online American Express Account. This is your benefit anniversary date. After enrolling, activate the VA Lounge Access by making an Eligible Transaction on your American Express Velocity Platinum Card. Eligible Transaction does not include annual Card fees, cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. After 12 months, at each subsequent benefit anniversary, make an Eligible Transaction on your Velocity Platinum Card to reactivate the VA Lounge Access. Please allow up to 7 days for the benefit to be processed on to the Primary Card Member’s Velocity membership. The Primary Card Member must provide their Velocity Frequent Flyer membership details to Virgin Australia lounge staff and present same day boarding pass on a Virgin Australia flight. Additional Card Members are not eligible. Virgin Australia lounge access is subject to space availability. Virgin Australia lounge is owned and operated by Virgin Australia Airlines Pty. Ltd. in selected domestic airports in accordance with Virgin Australia lounge Terms and Conditions, available at [virginaustralia.com/lounge](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/lounge/) and as amended from time to time.
7. Velocity Frequent Flyer Status Credits  
Velocity Frequent Flyer Status Credits are subject to the [American Express Velocity Platinum Card Benefits Terms and Conditions](https://www.americanexpress.com/content/dam/amex/au/pdfs/credit-cards/pds%5Fvelocity-platinum-benefits-tncs.pdf). 50 Velocity Frequent Flyer Status Credits will be awarded when you spend $25,000 on Eligible Spend within your membership year, and a further 50 Status Credits when you spend another $25,000 on Eligible Spend within the same Membership year. Membership year is defined as commencing upon Card activation and renews on the day of your Card activation each subsequent year. Eligible Spend does not include Card fees and charges, for example annual fees, interest, late or dishonoured payments, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Please allow up to 2 weeks after you meet the minimum spend requirement for the Status Credits to be credited to your Velocity account. In addition to the Status Credits earned with this American Express Velocity Platinum Card offer, to upgrade or maintain membership status, Velocity members must earn a percentage of their Status Credits on eligible Virgin Australia marketed and/or operated flights, flown by the member. To find out more about Status Credits and the amount of Status Credits required to be earned on eligible Virgin Australia marketed and/or operated flights, flown by the member for Velocity membership levels please visit [velocityfrequentflyer.com/the-basics/status](https://www.velocityfrequentflyer.com/the-basics/status).
8. No Cap On Earn Rate.  
As long as your account remains current and in good standing.
9. 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.
10. Virgin Australia Guest Lounge Passes.  
Virgin Australia Guest Lounge Passes are subject to the [American Express Velocity Platinum Card Benefits Terms and Conditions](https://www.americanexpress.com/content/dam/amex/au/pdfs/credit-cards/pds%5Fvelocity-platinum-benefits-tncs.pdf). Two single entry passes to the Virgin Australia lounge will be activated on the Primary Card Member’s Velocity Frequent Flyer membership account annually, on or after each anniversary of membership. Additional Card members are not eligible. Complimentary single entry Virgin Australia Guest Lounge Passes are not transferable, but may be used to enable other people (who are travelling with the Primary Card Member) to gain access to the lounge. The Virgin Australia lounge is operated by Virgin Australia Airlines Pty. Ltd. in selected domestic airports in accordance with the Virgin Australia Lounge Terms and Conditions, available at [virginaustralia.com/lounge](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/lounge/) and as amended from time to time. Visit the [Virgin Australia website](https://www.virginaustralia.com/au/en/) for up-to-date information on Virgin Australia’s Lounge network.
11. Velocity Platinum Card Insurance.  
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 Velocity Platinum Credit 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 Velocity Platinum Credit Card Insurance Terms and Conditions](https://www.americanexpress.com/content/dam/amex/au/pdfs/credit-cards/pds%5Fvelocity-platinum-insurance-tncs.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.
12. 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.
13. Emergency Card Replacement.  
If your Credit Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687\. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you are not liable for any unauthorised charges.
14. Plan It® Terms and Conditions.  
You can create an Instalment Plan as long as your account is in good standing. We may withdraw this offer, prevent you from creating any new Instalment Plans or cancel any of your existing Instalment Plan(s) at any time if your Card Account is overdue, or if you do not comply with your Card Conditions.  
    
The minimum Plan amount is AUD$150\. We may also limit the amount that can be transferred to an Instalment Plan.  
    
You will be charged a Monthly Plan Fee for each Instalment Plan created. This fee will be charged each month your Instalment Plan is active and will be disclosed to you at the time of creating your Instalment Plan.  
    
Each Instalment Plan will begin from the date it is successfully created, as communicated to you in your Online Account.  
    
Payment of your first Monthly Instalment will be due in your next payment cycle.  
    
You may request to cancel your Instalment Plan(s) at any time through your Online Account or the Amex App. Any billed Monthly Plan Fees will remain payable, but no further Monthly Plan Fees will be billed after cancellation is effective. As cancellation can take 24-48 hours to process (“Processing Time”), you may be charged a further monthly plan fee after requesting cancellation if the Processing Time occurs on your payment date.  
    
View the full Plan It® Instalment Terms and Conditions [here](https://www.americanexpress.com/au/credit-cards/membership-benefits/plan-it/terms-and-conditions.htmlnk).
15. Rewards Seat.  
The Reward Seat base fare is payable in Velocity Points, and taxes, fees, and carrier charges are payable in addition to Velocity Points redeemed for the base fare. Reward Seats are limited and may not be available at the advertised lead-in Reward Seat base fares, at peak times, or on all flights. Reward Seat bookings must be made on the Virgin Australia website by selecting 'Use Points'. Reward Seats and associated charges are not eligible for Points earn. Payment surcharge may apply. You can change or get a refund for your booking by paying a fee and any fare difference at least 24 hours before scheduled departure. You may also request a refund for other reasons, including under the Australian Consumer Law. Learn more about the Velocity Reward Seat Fare Rules [here](https://www.virginaustralia.com/au/en/travel-info/flying-with-us/fare-types/velocity-reward-seat/). Some flights may be operated by a partner airline, and different baggage allowances and conditions may apply to these flights. The [Velocity Membership Terms and Conditions](https://www.velocityfrequentflyer.com/member-support/terms-conditions) apply.
16. Upgrades.  
[Economy X Terms and Conditions apply.](https://www.virginaustralia.com/au/en/travel-info/onboard-experience/seat-selection/economy-x-terms-and-conditions/?cctp=vald%5Fvelocity:the-basics:redeeming-points) Business: Points can be used to upgrade from Economy fares (excl. Economy Lite) on Virgin Australia marketed and operated flights (excl. flights to/from Christmas Island and Cocos (Keeling) Island). Subject to seat availability. Requests can be made at least 30 mins before scheduled departure at the airport. Additional [terms and conditions available in clause 8.9.](https://experience.velocityfrequentflyer.com/member-support/terms-conditions#clause-8)
17. Virgin Wines Redemption Terms and Conditions.  
These Terms and Conditions apply if you want to purchase products from Virgin Wines Redemptions using Velocity Frequent Flyer Points only via the Virgin Wines Redemption store. These Terms and Conditions should be read with [Virgin Wines Redemptions' Terms and Conditions and Privacy Policy](https://redemption.virginwines.com.au/jsp/content/au/vws/terms%5Fconditions.jsp). The Virgin Wines Redemptions store is operated by Wine People Pty Ltd (ABN: 41 105 657 154) trading as Virgin Wines, Level 6, Suite 6.01, 1 Oxford Street, Darlinghurst NSW 2010 (Liquor licence:LIQP770016550). Orders will not be accepted (nor alcohol be delivered to) persons under the age of 18 years. You are purchasing wine from Virgin Wines not Velocity Frequent Flyer Pty Ltd. Your contract with Virgin Wines will be formed when they dispatch your product(s). Virgin Wines delivery to most addresses in Australia including PO Boxes except the Northern Territory, dry zones across Australia and Parcel Lockers. Orders are usually fulfilled within a week but please allow up to 14 days. Delivery to outlying areas will be to the agent’s nearest depot. If an offered wine becomes unavailable, an alternative wine of equal or greater value will be supplied. If you are unhappy with the substitute, Virgin Wines will provide you a refund. Virgin Wines is covered by a quality guarantee, subject to certain conditions. If a wine fails to satisfy, for whatever reason, and assuming it has been stored in suitable conditions, and has met Virgin Wines’ wine handling conditions, it will be collected and refunded or replaced (subject to Virgin Wines Redemptions Terms and Conditions). Subject to applicable law, Virgin Wines does not offer refunds and returns on older vintage and fine wines. [Velocity membership Terms and Conditions](https://www.velocityfrequentflyer.com/member-support/terms-conditions) apply.

---

# Source: https://icm.aexp-static.com/Internet/IntlHomepage/japa/AU_en/shared/pdfs/velocity-points-terms-and-conditions.pdf

American Express 
Velocity Cards 
Velocity Points 
Terms   and Conditions 
Effective from   6 November   2024 
If you have not already accepted these Velocity Points
Terms and Conditions, your first use of the Card or
Card Account will indicate your agreement
to these Points Terms and Conditions.

If you have not already accepted these American Express Velocity Card 
Points Terms and Conditions, your first use of the Card or Card Account 
will indicate your agreement to these Points Terms and Conditions. 
1.   Definitions 
Accrued Points   – Points accrued as a result of transactions on the Card 
and Additional Card that have not been transferred to the Primary Card 
Member’s Velocity Frequent Flyer membership Account. 
American Express   – American Express Australia Limited. 
(ABN 92 108 952 085). 
American Express Credit Card Conditions of Use   – the terms and 
conditions issued by American Express from time to time in relation to 
the use of a Card. 
American Express Business Card Conditions of Use   – the terms and 
conditions issued by American Express from time to time in relation to 
the use of a Card. 
Primary Card Member   – the person in whose name a Card Account is 
opened and who is responsible for all transactions on the Card Account. 
Bonus Partner   – merchants who enter into an agreement with 
American Express in relation to the provision of Bonus Points to 
Primary Card Members. 
Bonus Points   – the additional Points accrued with a Card or Additional 
Card in addition to the standard Points accrued for that transaction. 
Card   – means one of: 
American Express Velocity Escape Plus Card 
American Express Velocity Escape Card 
American Express Velocity Gold Card 
American Express Velocity Platinum Card 
American Express Velocity Business Card 
offered, issued, and administered by American Express Australia 
Limited. 
Card Account   – the account for each of the American Express Velocity 
Cards outlined above. 
Enrolment Date   – the date on which American Express opens the Card 
Account. 
Points   – Velocity Points. 
Additional Card   – an American Express Velocity Card issued to another 
person at the request of the Primary Card Member and on the Primary 
Card Member’s Card Account. 
Additional Card Member   – a holder of a Additional Card who is 
authorised to transact on the Card Account. 
Velocity   – Velocity Rewards Pty Ltd (ABN 98 116 089 448) as trustee 
for the Loyalty Trust. 
Velocity Frequent Flyer   – the loyalty program owned by Velocity 
Rewards Pty Ltd as trustee for the Loyalty Trust. 
you and your   – the Primary Card Member. 
we and our   – American Express. 
2.   Eligibility 
2.1   The Primary Card Member must be a member of the Velocity 
Frequent Flyer program to earn and redeem Points. If you are not 
already a Velocity member, American Express will request Velocity 
to create a new membership for you and link this membership 
to your new American Express Velocity Card Account. Velocity 
membership and Points are subject to the Velocity Membership 
Terms and Conditions. Please refer to   virginaustralia.com/velocity 
or call the Velocity Membership Contact Centre on 131 875 for a 
copy. The Terms and Conditions of the Velocity Frequent Flyer 
program may be amended from time to time.

2.2   The Primary Card Member must advise American Express of his or 
her Velocity membership number. If American Express has not been 
notified of the Velocity membership number, Velocity will advise 
American Express of your existing membership number, or create a 
new Velocity Account for you in accordance with section 2.1. 
3.   Earning Points 
3.1   Except for promotional offers and the categories listed in clause 
3.2 below, you will accrue a designated number of Points (earn 
rate), as notified to you from time to time, for every one Australian 
dollar (AUD) spent on goods and services, charged and billed on 
the Card Account. Subject to these terms and conditions, Points 
are calculated on each purchase of goods or services charged to 
your Card. Only whole Points are credited. Accrued Points shall 
be rounded to the nearest whole Point in accordance with the 
generally accepted principles in respect of rounding rules. 
3.2   Exemptions 
No Points accrue in respect of: 
(a)   charges prepaid prior to the first billing statement for that Account 
following the Enrolment Date; 
(b)   Cash advance and other cash services; 
(c)   American Express Travellers Cheque and gift cheque purchases; 
(d)   charges for dishonoured cheques; 
(e)   interest charges; 
(f)   annual Card fees; 
(g)   late payment charges; and 
(h)   all other fees and charges applied to the Card Account. 
3.3   Balance transfers from other card accounts are not eligible for 
Points on the amounts transferred. American Express reserves 
the right to change this provision at any time and may offer Points 
on balance transfers as part of specific promotions and subject to 
any conditions it thinks fit. 
3.4   When the Primary Card Member or Additional Card Member 
obtains a refund or reimbursement for items purchased on the 
Card or Additional Card as applicable, a credit is posted to the 
Card Account in the amount of the refund or reimbursement. 
This credit will reduce the Accrued Points to reflect the refund 
or reimbursement. In cases where the Points have already been 
transferred to Velocity, the relevant number of Points will be 
deducted from future transactions. We will calculate the reversal 
of Accrued Points based on the date the refund was posted on the 
Card Account. 
3.5   Spend on Additional Cards will accrue Points for the Primary 
Card Member. 
3.6   Accrued Points are not the property of the Primary Card Member 
or Additional Card Member and are not transferable to another 
Card Account, whether by operation of law or otherwise, either to 
any other person or entity. 
3.7   Accrued Points have no monetary value. 
3.8   If any Card Account is not in good standing, the Primary Card 
Member’s privilege to earn Points through the use of the Card 
may be cancelled or Accrued Points may be forfeited. American 
Express reserves the right to withdraw all Card benefits from the 
Primary Card Member and Additional Card Member due to the 
Primary Card Member’s or the Additional Card Member’s failure to 
adhere to the American Express Credit Card Conditions of Use, or 
the American Express Business Card Conditions of Use. 
3.9   If a Primary Card Member cancels the Card Account, or if for any 
reason American Express cancels the Card Account, any Accrued 
Points will be forfeited.

3.10   Accrued Points will be automatically transferred to your Velocity 
Account on a monthly basis (after which point they are known as 
Velocity Points). The monthly Card Account statement will specify 
the number of Accrued Points accumulated during that month and 
the number of Points transferred to your Velocity Account. The 
total Points earned during your monthly Card statement cycle may 
not all appear on your Velocity statement for the next month as 
the transfer occurs approximately six days prior to the end of your 
Card statement cycle. Any Points for transactions on your Card 
Account made after the transfer date will appear on your next 
month’s statement. 
4.   General 
4.1   Once transferred, American Express assumes no responsibility 
for Points transferred to your Velocity Frequent Flyer account or 
for the actions of Velocity in connection with its Velocity Frequent 
Flyer program or otherwise. 
4.2   American Express assumes no responsibility for any loss of 
whatever nature resulting from the redemption of Points from 
Velocity. 
4.3   Velocity can suspend or terminate the Velocity Frequent Flyer 
program at any time it deems appropriate in accordance with 
the terms of the Velocity Frequent Flyer program. In such a case, 
American Express shall give such advance written notice to 
Primary Card Members as is reasonably practicable. 
4.4   American Express and Velocity reserve the right to change these 
Velocity Points Terms and Conditions at any time including, but 
not limited to, Points conversion rates provided that American 
Express will provide you with: 
(a)   No prior notice for changes that are not material or which add 
rewards or Bonus Points; 
(b)   90 days prior notice for any change to the Points earn or 
conversion rates; 
(c)   90 days prior notice of any termination of the American Express 
Velocity Card program unless termination is required by law in 
which case no prior notice will be required; 
(d)   Reasonable notice of any suspension of the American Express 
Velocity Card program unless suspension is required by law in 
which case no prior notice will be required; and 
(e)   30 days prior notice of any other change. American Express will 
notify Primary Card Members of changes to the Points Terms 
and Conditions and Primary Card Members and Additional Card 
Members will be bound by those changes. 
4.5   Fraud and abuse relating to the Accrued Points may result in 
forfeiture of the Accrued Points as well as cancellation of the Card 
Account. 
4.6   The Primary Card Member is solely responsible for any 
government tax, duty or other charge imposed by law in any 
country in respect of the Primary Card Member’s and the 
Additional Card Member’s use of the Card. 
4.7   All questions or disputes regarding eligibility for Accrued Points 
or the transfer of Accrued Points to the Velocity Frequent 
Flyer program will be resolved by American Express at its sole 
discretion. (Any such question or dispute must be brought to the 
attention of American Express and be resolved within 12 months. 
Additionally, any Points dispute must be raised and resolved within 
12 months from when the Points are first credited to or deducted 
from the Velocity Account.) 
4.8   American Express’s failure to enforce a particular term or 
condition does not constitute a waiver of that term or condition by 
American Express. 
4.9   Use of the Card and any Additional Cards and Card Account 
is subject to the American Express Credit Card Conditions or 
American Express Business Charge Card Member Agreement.

4.10   Velocity Points are governed by and subject to the terms and 
conditions of the Velocity Frequent Flyer program. 
4.11   Assignment 
(a)   Transfer by us: American Express may assign any of its rights 
under these Points Terms and Conditions at any time without the 
Primary Card Member’s or the Additional Card Member’s consent. 
American Express may also transfer its obligations under this 
agreement to any third party provided it is reasonably satisfied 
that there will be no detriment to you in the transfer. You agree that 
American Express may disclose any information or documents it 
considers necessary to help it exercise any of these rights. 
(b)   Transfer by you: Your rights under this agreement are personal to 
you and may not be assigned without our written consent. 
4.12   This agreement is governed by 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. 
5.   Privacy and Personal Information 
The American Express Privacy Policy Statement sets out policies 
on management of personal information. In accordance with the 
Privacy Act 1988   (Cth), you can access personal information about you 
held by American   Express Australia Limited, and advise if you think it 
is inaccurate, incomplete or out of date. To arrange access to personal 
information about you, request a copy of the American Express Privacy 
Policy Statement or enquire generally about privacy matters, write 
to – The Privacy Officer, American Express Australia Limited, GPO Box 
1582, Sydney NSW 2001. In this section “personal information” means 
information about you, including about your financial circumstances 
and the use and administration of the Card. You agree that, subject to 
the   Privacy Act 1988   (Cth), we and our agents may do the following: 
(i)   (Partners) – provide personal information to Velocity, Virgin 
Australia Airlines Pty Ltd, Virgin Australia International Airlines 
Pty Ltd, Virgin Australia Airlines (SE Asia) Pty Ltd, its agents, 
affiliates and related companies for the purposes of our marketing, 
planning, product development and administration of the 
American Express Velocity Card and seek from and exchange with 
such organisations personal information about you, and in the 
case of Velocity, provide personal information for the purpose of 
maintaining your Velocity Account; 
(ii)   (Marketing lists) – Use personal information for marketing 
purposes. This includes putting your name and contact details on 
marketing lists for the purpose of offering you goods or services 
of an American Express company or of any third party, by mail, 
email or telephone or having our related companies do so directly. 
Please call us on 1300 132 639 if you wish to have your name 
removed from our marketing lists; 
(iii)   (Our service providers) – transfer personal information 
confidentially to our related companies and other organisations 
which issue or service the American Express Velocity Card, 
subject to appropriate conditions of confidentiality. This includes 
transferring personal information to the USA or other countries for 
data processing and servicing; and 
(iv)   (Call monitoring) – monitor and record your telephone 
conversations with us from time to time in order to train our staff 
and control our service quality. 
A copy of our Privacy Policy Statement is located on our website at 
americanexpress.com.au/privacy

AEX4128 10/24 
For correspondence: 
American Express Australia Limited 
American Express Velocity Card program 
GPO Box 240 
Sydney NSW 2001 
Credit provided by American Express Australia Limited (ABN 92 108 952 085) 
Australian Credit Licence No. 291313 
® Registered Trademark of American Express Company.

---

# Source: https://www.americanexpress.com/australia/velocityplatinumbenefits

American Express
Velocity 
Platinum Card 
Benefit Terms
and Conditions 
Effective from 6 November 2025

2 
Table of Contents 
American Express Velocity Platinum Card 
Benefit Terms and Conditions   3 
Virgin Australia Lounge Access   3 
Virgin Australia Guest Lounge Passes   4 
Complimentary Domestic Return Flight   5 
Velocity Frequent Flyer Status Credits   7

3 
American Express Velocity
Platinum Card Benefit Terms and
Conditions 
1.   By keeping or using your American Express Velocity Platinum
Card, you are agreeing to these American Express Velocity
Platinum Card Benefit Conditions. 
2.   In these American Express Velocity Platinum Card Benefit
Conditions: 
•   American Express means American Express Australia
Limited (ABN 92 108 952 085) 
•   Virgin Australia means Virgin Australia Airlines Pty Ltd
ABN 36 090 670 965 
•   you and your means the Primary Card Member holding an
American Express Velocity Platinum Card Account 
•   Card means the American Express Velocity Platinum Card 
Other expressions which are used in these American Express Velocity
Platinum Card Benefit Conditions that are not defined here have the
same meaning as in the American Express Velocity Points Terms and
Conditions available at   americanexpress.com.au/VelocityPointsTerms . 
Virgin Australia Lounge Access 
American Express Velocity Platinum Card Virgin Australia
Lounge Access Conditions 
1.   The Virgin Australia (VA) Lounge Access provides the Primary
Card Member with access to Virgin Australia lounges at Australian
domestic airports whenever flying same day on a Virgin Australia
operated domestic flight. Provided you are a Velocity Frequent
Flyer member and have registered your Velocity Frequent Flyer
number with your American Express Velocity Platinum Card, you
are eligible to receive the Virgin Australia Lounge Access. To be
eligible for complimentary access to the Virgin Australia domestic
lounge, the enrolled Primary Card Member must provide their
Velocity Frequent Flyer membership details to Virgin Australia
lounge staff and present same day boarding pass on a Virgin
Australia flight. To qualify for Virgin Australia Lounge Access, your
Card Account with American Express must be in good standing. 
2.   American Express Velocity Platinum Primary Card Members
will receive 12 months of VA Lounge Access on your Velocity
membership after enrolling via your online American Express 
Account and after your first Card spend in the first year, and then
after your first Card spend each year after the date of your original
enrolment. 
i.   Please enrol via your online American Express Account.
The date you enrol is your benefit anniversary date. 
ii.   Once enrolled, make an eligible transaction on your American
Express Velocity Platinum Card to activate the VA Lounge
Access benefit. 
iii.   Reactivate the VA Lounge Access each subsequent benefit
anniversary by making an eligible transaction on your
American Express Velocity Platinum Card. 
iv.   Please allow up to 7 days after making an eligible transaction
for the benefit to be processed onto the Primary Card
Member’s Velocity membership. Eligible transaction does not
include annual Card fees, cash advances, interest, balance
transfers, fees and charges for traveller’s cheques and
foreign currencies.

4 
3.   The Virgin Australia Lounge Access is for the Primary Card
Member only, does not include guests and is not transferable.
Additional Card Members are not eligible. 
4.   Virgin Australia lounge access is subject to space availability. You
may access Virgin Australia lounges a maximum of two hours prior
to your Virgin Australia flight’s scheduled departure time. 
5.   Access to the Virgin Australia lounge on arrival at your destination
is not permitted. 
6.   Virgin Australia Lounge Access is valid for Virgin Australia owned
and operated domestic lounges only and are not valid for partner
airlines’ lounges or associated lounges and is subject to Virgin
Australia lounge terms and conditions. For more information 
on the terms and conditions governing all aspects of the Virgin
Australia lounge, please refer to   virginaustralia.com/lounge . 
7.   Personal information collected and held by Virgin Australia in
connection with Virgin Australia Lounge Access will be handled in
accordance with the   Virgin Australia Group Privacy Policy   and the 
Lounge Privacy Statement . 
Virgin Australia Guest
Lounge Passes 
American Express Velocity Platinum Card Virgin Australia
Guest Lounge Pass Conditions 
1.   Virgin Australia Guest Lounge Passes may be used to enable up to
two guests of the Primary Card Member (who travel on the same
Virgin Australia domestic flight as the Primary Card Member) to
gain access to Virgin Australia’s domestic lounges. 
2.   To qualify for Virgin Australia Guest Lounge Passes, your Card
Account with American Express must be in good standing.
Provided you are a Velocity Frequent Flyer member and have
registered your Velocity Frequent Flyer number with your
American Express Velocity Platinum Card, you are eligible to
receive two complimentary single entry Virgin Australia Guest
Lounge Passes. Please allow up to 7 days after your American
Express Velocity Platinum Card activation or American Express
Velocity Platinum Card membership anniversary date for the
benefit to be processed onto the Primary Card Member’s Velocity
membership. 
3.   Subject to applicable laws, Virgin Australia and American
Express reserve the right to change these Virgin Australia Guest
Lounge Pass Conditions or the offer of Guest Passes from time
to time, including but not limited to the right to charge fees for
Guest Lounge Passes or to stop offering Guest Lounge Passes.
American Express will provide you with reasonable prior notice in
the event of any changes to these Virgin Australia Guest Lounge
Pass Conditions where practicable and where American Express
considers it necessary or appropriate. 
4.   Two Virgin Australia Guest Lounge Passes are available each Card
anniversary year and are valid for 12 months. Each pass is to be
used for a single visit by one guest and cannot be renewed once
expired or carried forward to any subsequent year. 
5.   Virgin Australia lounges can be accessed when travelling on an
onward domestic flight with Virgin Australia. Access to Virgin
Australia lounges is not available when travelling internationally
with Virgin Australia. Please visit   virginaustralia.com/lounge   for
more information, including current lounge locations. 
6.   You may access Virgin Australia lounges a maximum of two hours
prior to your Virgin Australia flight’s scheduled departure time. 
7.   Access to the Virgin Australia lounge on arrival at your destination
is not permitted.

5 
8.   To redeem your Virgin Australia Guest Lounge Pass, you must
present your Velocity membership card together with your flight
itinerary or boarding pass for onward domestic travel with
Virgin Australia. 
9.   Virgin Australia lounge access is at all times subject to
space availability. 
10.   Virgin Australia Guest Lounge Passes are valid for Virgin Australia
owned and operated domestic lounges only and are not valid for
partner airlines’ lounges or associated lounges and are subject to
Virgin Australia lounge terms and conditions. For more information
on the terms and conditions governing all aspects of the Virgin
Australia lounge, please refer to   virginaustralia.com/lounge 
11.   Personal information collected and held by Virgin Australia in
connection with Virgin Australia Lounge Access will be handled in
accordance with the   Virgin Australia Group Privacy Policy   and the 
Lounge Privacy Statement . 
12.   Virgin Australia Guest Lounge Passes are not redeemable for cash
or other services provided by Virgin Australia Airlines Pty Ltd, and
must not be sold in any way. 
13.   Virgin Australia Guest Lounge Passes are not transferable but may
be used to enable other people (who are travelling with the Primary
Card Member on a Virgin Australia domestic flight) to gain access
to Virgin Australia’s domestic lounges. 
14.   Lost or stolen Virgin Australia Guest Lounge Passes will not
be replaced. 
15.   Virgin Australia Guest Lounge Passes will be activated on
the Velocity membership card associated with the Velocity 
membership number held by American Express in relation to the
Primary Card Member. 
16.   American Express Velocity Platinum Card Members can check
the status of their Virgin Australia Guest Lounge Passes online by
logging in to their Velocity Account at   virginaustralia.com/velocity 
Complimentary Domestic
Return Flight 
American Express Velocity Platinum Card Complimentary
Domestic Return Flight Conditions 
1.   The complimentary Domestic Return Flight is available for booking
by eligible Primary Card Members holding an American Express
Velocity Platinum Card Account. 
2.   Eligibility: 
(a)   You are entitled to one return Eligible Flight per year of
Card membership. An Eligible Flight means a non-stop or
direct domestic flight marketed and operated by Virgin
Australia booked and ticketed in either the T or Q fare
class (Economy Class) (or any similar fare class as
determined by Virgin Australia in its discretion) on select
routes as determined by Virgin Australia in its direction
(for the routes available as at the date of this document,
please refer to paragraph 6 below). 
A year means the relevant period starting on the date on
which the applicable Card Account is opened by American
Express (anniversary date) and expiring on the anniversary
date each year thereafter. Your Flight must be booked before
the end of the year of Card membership. Flight benefits
cannot be carried forward to any subsequent year, and any
unused part of this benefit will be forfeited. 
(b)   To qualify for a Flight, your Card Account with American
Express must be in good standing.

6 
3.   Subject to applicable laws, Virgin Australia and American
Express reserve the right to change these Domestic Return Flight
Conditions or the offer of Flights from time to time, including 
but not limited to the right to charge fees for Flights, remove or
add any Flight routes and/or to stop offering Flights. American
Express will provide you with reasonable prior notice in the event
of any changes to these Domestic Return Flight Conditions where
practicable and where American Express considers it necessary
or appropriate. 
4.   You may book your Eligible Flight in the name of another individual,
but not for an unaccompanied minor. 
5.   The Eligible Flight is valid for return bookings on a single itinerary
(also known as a PNR) and cannot be separated into two one-way
bookings or flights. Should a one-way flight be processed at the
time of the flight booking, the return component of the flight will be
forfeited automatically. 
6.   Flights are offered between a departure city and one of its
corresponding arrival cities, please visit 
americanexpress.com.au/Velocity_Platinum_Complimentary_ 
Flight_Table   for details. 
7.   All Eligible Flights are subject to availability and neither American
Express nor Virgin Australia guarantee that seats or tickets will
be available on the dates or at the times you may wish to fly. Seat
availability may be limited to certain dates and/or flights and it 
may be more difficult to book seats around public holidays, school
holidays or special events. 
8.   All travel is subject to the Virgin Australia Fare Conditions and
Virgin Australia Conditions of Carriage as amended from time to
time. No Velocity Points or Status Credits will be awarded for
travel on the Eligible Flights and Eligible Flights will not be
eligible for upgrades using Velocity Points. View the full Virgin
Australia Terms and Conditions of Carriage at 
virginaustralia.com/au/en/about-us/policies/legal/conditions- 
of-carriage 
9.   Tickets for Eligible Flights may not be sold, transferred, endorsed,
exchanged for cash or refunded (except as provided under 
the Australian Consumer Law). This flight benefit may not be
combined or taken with any other promotion, discount, negotiated
or corporate rate. 
10.   To redeem your Eligible Flight go to   compflight.virginaustralia.com 
and log in with your Velocity Frequent Flyer membership details.
Bookings made through the Guest Contact Centre may incur a
booking fee. 
11.   You are responsible for ensuring the details of your Eligible Flight
booking are correct. Replacement flights will not be provided for
flights booked as one-way or on the incorrect dates and times.
After an Eligible Flight has been booked, no route changes or
cancellations are permitted. If you wish to change the time and/or
date of a booked Eligible Flight, contact Virgin Australia by calling
1300 153 006 from within Australia or +61 7 3119 7006 from
overseas. Time and/or date changes to a booked Eligible Flight
are permitted up until the scheduled Eligible Flight departure (no
changes will be permitted after this time). Fees associated with
changes to Flight bookings are at Virgin Australia’s discretion. You 
will be charged for each change to your Eligible Flight booking, fees
which are payable at the time of making the change are as follows: 
(a)   The standard Virgin Australia Guest Contact Centre Change
Fee of AUD40.00 including GST per person per ticket shall
apply, but this may change without notice from time to time; 
(b)   The difference between the ticketed fare value and the fare
for the new booking plus any applicable taxes, fees and
surcharges. 
(c)   The Airfare Reissue Fee of AUD80.00 including GST per
person per ticket will apply for all changes made inside of 13
days of the scheduled departure. For changes made 14 days
or more prior to the scheduled Flight departure, the Airfare
Reissue Fee will not apply.

7 
12.   American Express does not own or operate any airline or aircraft.
American Express is not liable for service deficiencies on the
part of airlines or other service providers, including but not
limited to: accidents, injuries, infections and illnesses; delays and
diversions; changes in routes or itineraries; loss, theft or damage
to possessions. 
13.   American Express reserves the right to refuse the flight benefits
where there is reasonable suspicion of attempted or actual fraud
or misuse of your Card. If you obtain a flight benefit to which you
are not entitled, you agree to pay American Express the normal
fare for that flight plus all applicable surcharges, fees and taxes. 
14.   These Domestic Return Flight Conditions are governed by the laws
of New South Wales. 
15.   Please allow up to 10 business days after your American Express
Velocity Platinum Card activation or American Express Velocity
Platinum Membership anniversary date for the Eligible Flight to
be processed on to the Primary Card Member’s Velocity
membership. 
Velocity Frequent Flyer
Status Credits 
American Express Velocity Platinum Card Velocity Frequent
Flyer Status Credits Conditions 
1.   To qualify for Velocity Frequent Flyer Status Credits, your Card
Account with American Express must be in good standing.
Provided you are a Velocity Frequent Flyer member and have
registered your Velocity Frequent Flyer number with your
American Express Velocity Platinum Card, and you meet the
Eligible Spend requirements, you can earn up to 100 Velocity
Frequent Flyer Status Credits each membership year as follows: 
(a)   50 Status Credits will be awarded when you spend $25,000
on Eligible Spend within your membership year; and 
(b)   a further 50 Status Credits when you spend an additional 
$25,000 or more on Eligible Spend within the same
membership year. 
Eligible Spend does not include Card fees and charges, for
example: annual fees, interest, late or dishonoured payments,
cash advances, balance transfers, traveller’s cheques and
foreign currency conversion. 
Membership year means the relevant year which
commences upon Card activation and renews on the day of
your Card activation each subsequent year. 
Please note that you will not be entitled to a proportion of
the Status Credits if you have only spent part of the Eligible
Spend requirement. 
2.   Please allow up to 2 weeks after you meet the minimum Eligible
Spend requirement for the Status Credits to be credited to your
Velocity account. 
3.   In addition to the Status Credits earned with this American
Express Velocity Platinum Card offer, to upgrade or maintain
membership status Velocity members must earn a
percentage of their Status Credits on eligible Virgin Australia
marketed and/or operated flights, flown by the member. To
find out more about Status Credits and the amount of Status
Credits required to be earned on eligible Virgin Australia
marketed and/or operated flights, flown by the member for
Velocity membership levels please visit 
velocityfrequentflyer.com/the-basics/status .

8 
American Express Australia Limited (ABN 92 108 952 085)
Australian Credit Licence No. 291313 
® Registered Trademark of American Express Company 
AEX4051 11/25

---

# Source: https://www.americanexpress.com/australia/velocityplatinuminsurance

AMERICAN EXPRESS CREDIT CARD INSURANCE i 
American Express®
Credit Card Insurance
Terms and Conditions 
Effective 15th March 2022
Qantas American Express Ultimate Card
American Express Velocity Platinum Card
American Express Australia Limited ABN 92 108 952 085. ® Registered Trademark of American Express Company.

ii AMERICAN EXPRESS CREDIT CARD INSURANCE 
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   2 
•   Excess   2
•   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
•   Fraud   5
•   Australian Law   6
•   Australian Currency   6 
Chubb Assistance (In The Event Of An Emergency)   6 
•   Emergency assistance around the world   6 
Eligibility For Cover Under This Policy   6 
•   Eligibility Table   6 
If You change Your American Express Card Account product, or Your
American Express Card Account is Cancelled or Suspended   8
Coverage Summary   9
Schedule of Benefits   14
Definitions   18
Benefits   22 
•   Section (A) Trip Cancellation And Amendment Cover   22
•   Section (B) Personal Accident Cover   24
•   Section (C) Travel Inconvenience Cover   25
•   Section (D) Medical Emergency Expenses Cover   26
•   Section (E) Resumption Of Long International Trip Cover   28
•   Section (F) Personal Baggage, Valuables, Money And Travel
Documents Cover   28
•   Section (G) Personal Liability Cover   31
•   Section (H) Card Purchase Cover   32
•   Section (I) Card Refund Cover   33
•   General Exclusions Applicable To Sections A–I above   33
•   General Conditions Applicable To All Sections   35 
How To Make A Claim   35
General Information About This Policy   36
Privacy Statement   36 
•   Why We collect Your Personal Information   36
•   How We obtain Your Personal Information   37
•   When do We disclose Your Personal Information?   37
•   Your decision to provide Your Personal Information   37
•   Access to and correction of Your Personal Information   37
•   How to Make a Complaint   37 
Complaints And Dispute Resolution Process   37 
•   Complaints and Customer Resolution Service   37
•   Contact Details   37
•   Process   38
•   Our response   38
•   External Dispute Resolution   38 
Financial Claims Scheme   38
General Insurance Code Of Practice   38
Sanctions   38

AMERICAN EXPRESS CREDIT CARD INSURANCE 1 
Terms And Conditions
This Policy is effective from 15/03/2022 
American Express® Card Insurance Policy Number: 09NACQUC06 
Eligible American Express Card Products 
This Policy applies to the following American Express Card Account
products only:
(a) Qantas American Express Ultimate Card;
(b) American Express Velocity 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 2 main types of benefit and services:
1.   Travel insurance benefits; and
2.   Retail item cover 
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.

2 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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. 
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
•   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 
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. 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.

AMERICAN EXPRESS CREDIT CARD INSURANCE 3 
Example A – Excess applied:   Example B – Excess and depreciation applied:   Example C – Excess and depreciation applied to
more than one Event: 
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 F – Personal Baggage, Valuables, Money and Travel Documents Cover
Pre-Existing Medical Conditions 
This Policy   does not cover any costs incurred from or relating   to any
Pre-Existing Medical Condition under Sections A – G (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 D - 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,
invitro fertilisation (IVF).

4 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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. 
Cover Section   Age Limit
Age Limit for Covered Person
Travel Insurance Cover 
(Section A - G)
You must be 79 years of age or younger before You make Your
Qualifying Travel Purchase. 
Card Purchase Cover   (Section H) 
Card Refund Cover   (Section I)
No age limitations apply for these cover sections. 
Age Limit for Close Relative or Travelling Companion 
If Your claim relates to 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 E)
Close Relative or Travelling Companion must be 90 years of age or younger
when You make Your Qualifying Travel Purchase. 
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.

AMERICAN EXPRESS CREDIT CARD INSURANCE 5 
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. 
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 D – 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 – G 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 – G
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. 
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 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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. 
Eligibility Table
Cover Section
Eligibility Criteria
To be eligible for the benefits under the cover section(s) of
the Policy, the following eligibility criteria needs to be met:
When are
benefits available
under the Policy?
When are no benefits
available under this Policy?
Travel
Insurance
Cover 
(Sections A – G)
(continued below)
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 /
Qantas Points / Velocity Points (where applicable); and/or
iii.   Travel Benefit.
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
WayTrip.
Please also refer to the Terms,
Conditions and Exclusions within
each cover section (A – G below)
and the General Exclusions and
General Conditions within this
Policy.

AMERICAN EXPRESS CREDIT CARD INSURANCE 7 
Cover Section
Eligibility Criteria
To be eligible for the benefits under the cover section(s) of
the Policy, the following eligibility criteria needs to be met:
When are
benefits available
under the Policy?
When are no benefits
available under this Policy?
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 /
Qantas Points / Velocity 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. 
Card Purchase
Cover 
(Section H) 
Card Refund
Cover   (Section I)
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 Qantas Points / Velocity Points (where applicable).
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
(H and I below) 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.

8 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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. 
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.

AMERICAN EXPRESS CREDIT CARD INSURANCE 9 
The following examples are provided to illustrate how Your cover may be affected by changes to Your 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, 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 
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.

10 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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   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 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.

AMERICAN EXPRESS CREDIT CARD INSURANCE 11 
Section   Cover Description   Key Exclusions
Travel Insurance Cover 
C   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.
D   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.
E   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.

12 AMERICAN EXPRESS CREDIT CARD INSURANCE 
Section   Cover Description   Key Exclusions
Travel Insurance Cover 
F   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.
G   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
nonmechanically propelled watercraft less than 10 metres in
length);
b) firearms; or
c) animals (other than horses and domestic pets). 
Retail item Protection 
H   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.

AMERICAN EXPRESS CREDIT CARD INSURANCE 13 
Section   Cover Description   Key Exclusions
Retail Item Protection 
I   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;
•   tems purchased from a retailer outside Australia;
•   Eligible Items with a purchase price of $50 or less;
•   used or second-hand items.

14 AMERICAN EXPRESS CREDIT CARD INSURANCE 
Travel Insurance
Section
of Cover   Cover Description
Benefit Limit – per Covered Person unless
otherwise stated
International Return Trip   Domestic Return Trip   Excess
Applies
Section A
Trip Cancellation and Amendment Cover (section limit)   Up to $12,500   Up to $12,500
$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 $3,000   Up to $3,000 
Section B
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   $25,000   $25,000 
Permanent Disablement: 
ii.   Loss of both hands or both
feet   $25,000   $25,000
iii.   Loss of one (1) hand and one
(1) foot   $25,000   $25,000
iv.   Loss of entire sight of both
eyes   $25,000   $25,000
v.   Loss of entire sight of one (1)
eye and loss of one (1) hand
or one (1) foot
$25,000   $25,000
vi.   Loss of one (1) hand or one
(1) foot   $12,500   $12,500
vii. Loss of the entire sight of one
(1) eye   $12,500   $12,500 
Schedule of Benefits 
Please note that amounts quoted are in Australian dollars (unless otherwise stated).

AMERICAN EXPRESS CREDIT CARD INSURANCE 15 
Section B 
(Continued) 
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 a 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 C
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 $200
after 4 hours
Up to $400
after 4
hours
Up to $200
after 4
hours
Up to $400
after 4
hours
2.   Extended Delayed, cancelled, overbooked or missed onward
Scheduled Flight
Up to $150
per 24-hour
period to a
maximum
of $600
Up to $300
per 24-hour
period to a
maximum
of $1,200
Up to $150
per 24-hour
period to a
maximum of
$600
Up to $300
per 24-hour
period to a
maximum
of $1,200
3.   Delay of Personal Baggage checked-in on Scheduled Flight
Up to $200
after 6
hours
Up to $400
after 6
hours
Up to $200
after 6
hours
Up to $400
after 6
hours
4.   Extended Delay of Personal Baggage checked-in on
Scheduled Flight
Up to $200
after 48
hours
Up to $400
after 48
hours
Up to $200
after 48
hours
Up to $400
after 48
hours
5.   Delayed arrival to a Special Event   Up to
$2,000
Up to
$4,000
Up to
$2,000
Up to
$4,000

16 AMERICAN EXPRESS CREDIT CARD INSURANCE 
Section D
Medical Emergency Expenses Cover
1. In The Event Of A Medical Emergency (section limit)   Up to $2,500,000
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 $1,000
3.   Repatriation/Evacuation (sub limit)   Up to $2,500,000
4.   Incidental expenses each 24 hours (sub limit)
Up to $50 per 24-hour
period to a maximum
of $3,000
5.   Extra accommodation (room only) (sub limit)
Up to $150 per 24-hour
period up to a maximum
of $1,500
6.   a) Return economy airfare (sub limit)   Up to $1,500
6. b) Extra accommodation (room only) (sub limit)
Up to $150 per 24-hour
period up to a maximum
of $1,500 
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 E
Resumption Of Long International Trip Cover 
$250
1) Returning to Australia for a Close Relative   Up to $3,000   Not Covered 
Section F
Personal Baggage, Valuables, Money And Travel
Documents Cover (section limit)   Up to $10,000   Up to $10,000
a. Money and Travel Documents (sub limit)   Up to $500   Up to $500
b. Maximum total of all Valuables (including sub limits i. to iv.);   Up to $4,000   Up to $4,000

AMERICAN EXPRESS CREDIT CARD INSURANCE 17 
i. One (1) Smartphone (sub limit);   Up to $250   Up to $250
$250
ii.   One (1) laptop (including accessoriessold with the laptop)
(sub limit);   Up to $2,500   Up to $2,500
iii.   One (1) camera (including lenses and accessories)
(sub limit);   Up to $1,000   Up to $1,000
iv. Any other Valuable item (sub-limit)   Up to $1,000   Up to $1,000
c. any other single item or Pair or Set of items (sub limit);   Up to $1,000   Up to $1,000 
Section G   Personal Liability Cover   Up to $2,000,000   Up to $2,000,000   NIL 
Retail Item Protection
Section
of Cover   Cover Description   Benefit Limit   Excess
Applies
Section H
Card Purchase Cover (section limit)   Up to $20,000 in any three hundred and sixty-five (365)
day period beginning when the first claim Event occurs
$50
Per Eligible Item   Up to $2,500 
Section I
Card Refund Cover (section limit)   Up to $2,000 in any three hundred and sixty-five (365) day
period beginning when the first claim Event occurs
NIL
Per Eligible Item   Up to $500

18 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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 products:
a.   Qantas American Express Ultimate Card;
b.   American Express Velocity 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. 
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 / Qantas Points / Velocity Points. 
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. 
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 PreExisting Medical Conditions.

AMERICAN EXPRESS CREDIT CARD INSURANCE 19 
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. 
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 whilst 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. 
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. 
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.

20 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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:

AMERICAN EXPRESS CREDIT CARD INSURANCE 21 
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 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:
i.   Your American Express Card Account; and/or
ii.   Your corresponding American Express Membership Rewards
points/Qantas Points/Velocity Points (where applicable),
and/or
iii.   Travel Benefit. 
Qualifying Purchase   means:
i.   a Qualifying Travel Purchase; or
ii.   purchase of an Eligible Item. 
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. 
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   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.

22 AMERICAN EXPRESS CREDIT CARD INSURANCE 
Taxi   means a vehicle with a driver for public hire for passenger
transportation, either hailed on the street or via a mobile phone
application. 
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. 
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
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;

AMERICAN EXPRESS CREDIT CARD INSURANCE 23 
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; 
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 making 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.

24 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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;
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) 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.

AMERICAN EXPRESS CREDIT CARD INSURANCE 25 
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 a 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. 
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. 
Section (C) 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;

26 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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 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 (D) 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 inpatient 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

AMERICAN EXPRESS CREDIT CARD INSURANCE 27 
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). 
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;

28 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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. 
Section (E) 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 (F) 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

AMERICAN EXPRESS CREDIT CARD INSURANCE 29 
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:
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

30 AMERICAN EXPRESS CREDIT CARD INSURANCE 
Example A – Excess applied:   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% 
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;
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;
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; 
Depreciation Table

AMERICAN EXPRESS CREDIT CARD INSURANCE 31 
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.   Y ou 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
c.   animals (other than horses and domestic pets);
9.   injury or loss of or damage to material property arising directly or
indirectly from:
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. 
EXCLUSIONS – PERSONAL BAGGAGE, VALUABLES, MONEY
AND TRAVEL DOCUMENTS COVER 
As noted in the Schedule of Benefits. 
Section (G) 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);

32 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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. 
EXCLUSIONS – PERSONAL LIABILITY COVER 
As noted in the Schedule of Benefits. 
Section (H) 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 Your American
Express Card Account / Qantas Points / Velocity Points, then We will
only pay such percentage of the purchase price that was paid with
Your American Express Card Account / Qantas Points /
Velocity 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:
a.   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 
b.   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;
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.   to 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
installedaccessories;
e.   second-hand items, including antiques. 
EXCESS – CARD PURCHASE COVER 
As noted in the Schedule of Benefits.

AMERICAN EXPRESS CREDIT CARD INSURANCE 33 
Section (I) 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. 
General Exclusions Applicable To Sections A–I 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 E –
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.   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;

34 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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;
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 B – Personal Accident Cover or Section D – Medical
Emergency Expenses 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 D – 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 D – 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 D – 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).

AMERICAN EXPRESS CREDIT CARD INSURANCE 35 
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
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. 
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). 
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.

36 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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 emailed 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
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.

AMERICAN EXPRESS CREDIT CARD INSURANCE 37 
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.
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
Fax: + 61 2 9335 3467
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 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.

38 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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.
The Insurance Act is designed to ensure that, under all reasonable
circumstances, financial promises made by Us are met within a stable,
efficient and competitive financial system.
Because of this We are exempted from the requirement to meet the
compensation arrangements Australian financial 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 confidence 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) (https:/ /www.chubb.com/au-en/customer-service/
support-forcustomers-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.

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

---

# Source: https://www.americanexpress.com/content/dam/amex/au/pdfs/credit-cards/pds_velocity-platinum-benefits-tncs.pdf

American Express
Velocity 
Platinum Card 
Benefit Terms
and Conditions 
Effective from 6 November 2025

2 
Table of Contents 
American Express Velocity Platinum Card 
Benefit Terms and Conditions   3 
Virgin Australia Lounge Access   3 
Virgin Australia Guest Lounge Passes   4 
Complimentary Domestic Return Flight   5 
Velocity Frequent Flyer Status Credits   7

3 
American Express Velocity
Platinum Card Benefit Terms and
Conditions 
1.   By keeping or using your American Express Velocity Platinum
Card, you are agreeing to these American Express Velocity
Platinum Card Benefit Conditions. 
2.   In these American Express Velocity Platinum Card Benefit
Conditions: 
•   American Express means American Express Australia
Limited (ABN 92 108 952 085) 
•   Virgin Australia means Virgin Australia Airlines Pty Ltd
ABN 36 090 670 965 
•   you and your means the Primary Card Member holding an
American Express Velocity Platinum Card Account 
•   Card means the American Express Velocity Platinum Card 
Other expressions which are used in these American Express Velocity
Platinum Card Benefit Conditions that are not defined here have the
same meaning as in the American Express Velocity Points Terms and
Conditions available at   americanexpress.com.au/VelocityPointsTerms . 
Virgin Australia Lounge Access 
American Express Velocity Platinum Card Virgin Australia
Lounge Access Conditions 
1.   The Virgin Australia (VA) Lounge Access provides the Primary
Card Member with access to Virgin Australia lounges at Australian
domestic airports whenever flying same day on a Virgin Australia
operated domestic flight. Provided you are a Velocity Frequent
Flyer member and have registered your Velocity Frequent Flyer
number with your American Express Velocity Platinum Card, you
are eligible to receive the Virgin Australia Lounge Access. To be
eligible for complimentary access to the Virgin Australia domestic
lounge, the enrolled Primary Card Member must provide their
Velocity Frequent Flyer membership details to Virgin Australia
lounge staff and present same day boarding pass on a Virgin
Australia flight. To qualify for Virgin Australia Lounge Access, your
Card Account with American Express must be in good standing. 
2.   American Express Velocity Platinum Primary Card Members
will receive 12 months of VA Lounge Access on your Velocity
membership after enrolling via your online American Express 
Account and after your first Card spend in the first year, and then
after your first Card spend each year after the date of your original
enrolment. 
i.   Please enrol via your online American Express Account.
The date you enrol is your benefit anniversary date. 
ii.   Once enrolled, make an eligible transaction on your American
Express Velocity Platinum Card to activate the VA Lounge
Access benefit. 
iii.   Reactivate the VA Lounge Access each subsequent benefit
anniversary by making an eligible transaction on your
American Express Velocity Platinum Card. 
iv.   Please allow up to 7 days after making an eligible transaction
for the benefit to be processed onto the Primary Card
Member’s Velocity membership. Eligible transaction does not
include annual Card fees, cash advances, interest, balance
transfers, fees and charges for traveller’s cheques and
foreign currencies.

4 
3.   The Virgin Australia Lounge Access is for the Primary Card
Member only, does not include guests and is not transferable.
Additional Card Members are not eligible. 
4.   Virgin Australia lounge access is subject to space availability. You
may access Virgin Australia lounges a maximum of two hours prior
to your Virgin Australia flight’s scheduled departure time. 
5.   Access to the Virgin Australia lounge on arrival at your destination
is not permitted. 
6.   Virgin Australia Lounge Access is valid for Virgin Australia owned
and operated domestic lounges only and are not valid for partner
airlines’ lounges or associated lounges and is subject to Virgin
Australia lounge terms and conditions. For more information 
on the terms and conditions governing all aspects of the Virgin
Australia lounge, please refer to   virginaustralia.com/lounge . 
7.   Personal information collected and held by Virgin Australia in
connection with Virgin Australia Lounge Access will be handled in
accordance with the   Virgin Australia Group Privacy Policy   and the 
Lounge Privacy Statement . 
Virgin Australia Guest
Lounge Passes 
American Express Velocity Platinum Card Virgin Australia
Guest Lounge Pass Conditions 
1.   Virgin Australia Guest Lounge Passes may be used to enable up to
two guests of the Primary Card Member (who travel on the same
Virgin Australia domestic flight as the Primary Card Member) to
gain access to Virgin Australia’s domestic lounges. 
2.   To qualify for Virgin Australia Guest Lounge Passes, your Card
Account with American Express must be in good standing.
Provided you are a Velocity Frequent Flyer member and have
registered your Velocity Frequent Flyer number with your
American Express Velocity Platinum Card, you are eligible to
receive two complimentary single entry Virgin Australia Guest
Lounge Passes. Please allow up to 7 days after your American
Express Velocity Platinum Card activation or American Express
Velocity Platinum Card membership anniversary date for the
benefit to be processed onto the Primary Card Member’s Velocity
membership. 
3.   Subject to applicable laws, Virgin Australia and American
Express reserve the right to change these Virgin Australia Guest
Lounge Pass Conditions or the offer of Guest Passes from time
to time, including but not limited to the right to charge fees for
Guest Lounge Passes or to stop offering Guest Lounge Passes.
American Express will provide you with reasonable prior notice in
the event of any changes to these Virgin Australia Guest Lounge
Pass Conditions where practicable and where American Express
considers it necessary or appropriate. 
4.   Two Virgin Australia Guest Lounge Passes are available each Card
anniversary year and are valid for 12 months. Each pass is to be
used for a single visit by one guest and cannot be renewed once
expired or carried forward to any subsequent year. 
5.   Virgin Australia lounges can be accessed when travelling on an
onward domestic flight with Virgin Australia. Access to Virgin
Australia lounges is not available when travelling internationally
with Virgin Australia. Please visit   virginaustralia.com/lounge   for
more information, including current lounge locations. 
6.   You may access Virgin Australia lounges a maximum of two hours
prior to your Virgin Australia flight’s scheduled departure time. 
7.   Access to the Virgin Australia lounge on arrival at your destination
is not permitted.

5 
8.   To redeem your Virgin Australia Guest Lounge Pass, you must
present your Velocity membership card together with your flight
itinerary or boarding pass for onward domestic travel with
Virgin Australia. 
9.   Virgin Australia lounge access is at all times subject to
space availability. 
10.   Virgin Australia Guest Lounge Passes are valid for Virgin Australia
owned and operated domestic lounges only and are not valid for
partner airlines’ lounges or associated lounges and are subject to
Virgin Australia lounge terms and conditions. For more information
on the terms and conditions governing all aspects of the Virgin
Australia lounge, please refer to   virginaustralia.com/lounge 
11.   Personal information collected and held by Virgin Australia in
connection with Virgin Australia Lounge Access will be handled in
accordance with the   Virgin Australia Group Privacy Policy   and the 
Lounge Privacy Statement . 
12.   Virgin Australia Guest Lounge Passes are not redeemable for cash
or other services provided by Virgin Australia Airlines Pty Ltd, and
must not be sold in any way. 
13.   Virgin Australia Guest Lounge Passes are not transferable but may
be used to enable other people (who are travelling with the Primary
Card Member on a Virgin Australia domestic flight) to gain access
to Virgin Australia’s domestic lounges. 
14.   Lost or stolen Virgin Australia Guest Lounge Passes will not
be replaced. 
15.   Virgin Australia Guest Lounge Passes will be activated on
the Velocity membership card associated with the Velocity 
membership number held by American Express in relation to the
Primary Card Member. 
16.   American Express Velocity Platinum Card Members can check
the status of their Virgin Australia Guest Lounge Passes online by
logging in to their Velocity Account at   virginaustralia.com/velocity 
Complimentary Domestic
Return Flight 
American Express Velocity Platinum Card Complimentary
Domestic Return Flight Conditions 
1.   The complimentary Domestic Return Flight is available for booking
by eligible Primary Card Members holding an American Express
Velocity Platinum Card Account. 
2.   Eligibility: 
(a)   You are entitled to one return Eligible Flight per year of
Card membership. An Eligible Flight means a non-stop or
direct domestic flight marketed and operated by Virgin
Australia booked and ticketed in either the T or Q fare
class (Economy Class) (or any similar fare class as
determined by Virgin Australia in its discretion) on select
routes as determined by Virgin Australia in its direction
(for the routes available as at the date of this document,
please refer to paragraph 6 below). 
A year means the relevant period starting on the date on
which the applicable Card Account is opened by American
Express (anniversary date) and expiring on the anniversary
date each year thereafter. Your Flight must be booked before
the end of the year of Card membership. Flight benefits
cannot be carried forward to any subsequent year, and any
unused part of this benefit will be forfeited. 
(b)   To qualify for a Flight, your Card Account with American
Express must be in good standing.

6 
3.   Subject to applicable laws, Virgin Australia and American
Express reserve the right to change these Domestic Return Flight
Conditions or the offer of Flights from time to time, including 
but not limited to the right to charge fees for Flights, remove or
add any Flight routes and/or to stop offering Flights. American
Express will provide you with reasonable prior notice in the event
of any changes to these Domestic Return Flight Conditions where
practicable and where American Express considers it necessary
or appropriate. 
4.   You may book your Eligible Flight in the name of another individual,
but not for an unaccompanied minor. 
5.   The Eligible Flight is valid for return bookings on a single itinerary
(also known as a PNR) and cannot be separated into two one-way
bookings or flights. Should a one-way flight be processed at the
time of the flight booking, the return component of the flight will be
forfeited automatically. 
6.   Flights are offered between a departure city and one of its
corresponding arrival cities, please visit 
americanexpress.com.au/Velocity_Platinum_Complimentary_ 
Flight_Table   for details. 
7.   All Eligible Flights are subject to availability and neither American
Express nor Virgin Australia guarantee that seats or tickets will
be available on the dates or at the times you may wish to fly. Seat
availability may be limited to certain dates and/or flights and it 
may be more difficult to book seats around public holidays, school
holidays or special events. 
8.   All travel is subject to the Virgin Australia Fare Conditions and
Virgin Australia Conditions of Carriage as amended from time to
time. No Velocity Points or Status Credits will be awarded for
travel on the Eligible Flights and Eligible Flights will not be
eligible for upgrades using Velocity Points. View the full Virgin
Australia Terms and Conditions of Carriage at 
virginaustralia.com/au/en/about-us/policies/legal/conditions- 
of-carriage 
9.   Tickets for Eligible Flights may not be sold, transferred, endorsed,
exchanged for cash or refunded (except as provided under 
the Australian Consumer Law). This flight benefit may not be
combined or taken with any other promotion, discount, negotiated
or corporate rate. 
10.   To redeem your Eligible Flight go to   compflight.virginaustralia.com 
and log in with your Velocity Frequent Flyer membership details.
Bookings made through the Guest Contact Centre may incur a
booking fee. 
11.   You are responsible for ensuring the details of your Eligible Flight
booking are correct. Replacement flights will not be provided for
flights booked as one-way or on the incorrect dates and times.
After an Eligible Flight has been booked, no route changes or
cancellations are permitted. If you wish to change the time and/or
date of a booked Eligible Flight, contact Virgin Australia by calling
1300 153 006 from within Australia or +61 7 3119 7006 from
overseas. Time and/or date changes to a booked Eligible Flight
are permitted up until the scheduled Eligible Flight departure (no
changes will be permitted after this time). Fees associated with
changes to Flight bookings are at Virgin Australia’s discretion. You 
will be charged for each change to your Eligible Flight booking, fees
which are payable at the time of making the change are as follows: 
(a)   The standard Virgin Australia Guest Contact Centre Change
Fee of AUD40.00 including GST per person per ticket shall
apply, but this may change without notice from time to time; 
(b)   The difference between the ticketed fare value and the fare
for the new booking plus any applicable taxes, fees and
surcharges. 
(c)   The Airfare Reissue Fee of AUD80.00 including GST per
person per ticket will apply for all changes made inside of 13
days of the scheduled departure. For changes made 14 days
or more prior to the scheduled Flight departure, the Airfare
Reissue Fee will not apply.

7 
12.   American Express does not own or operate any airline or aircraft.
American Express is not liable for service deficiencies on the
part of airlines or other service providers, including but not
limited to: accidents, injuries, infections and illnesses; delays and
diversions; changes in routes or itineraries; loss, theft or damage
to possessions. 
13.   American Express reserves the right to refuse the flight benefits
where there is reasonable suspicion of attempted or actual fraud
or misuse of your Card. If you obtain a flight benefit to which you
are not entitled, you agree to pay American Express the normal
fare for that flight plus all applicable surcharges, fees and taxes. 
14.   These Domestic Return Flight Conditions are governed by the laws
of New South Wales. 
15.   Please allow up to 10 business days after your American Express
Velocity Platinum Card activation or American Express Velocity
Platinum Membership anniversary date for the Eligible Flight to
be processed on to the Primary Card Member’s Velocity
membership. 
Velocity Frequent Flyer
Status Credits 
American Express Velocity Platinum Card Velocity Frequent
Flyer Status Credits Conditions 
1.   To qualify for Velocity Frequent Flyer Status Credits, your Card
Account with American Express must be in good standing.
Provided you are a Velocity Frequent Flyer member and have
registered your Velocity Frequent Flyer number with your
American Express Velocity Platinum Card, and you meet the
Eligible Spend requirements, you can earn up to 100 Velocity
Frequent Flyer Status Credits each membership year as follows: 
(a)   50 Status Credits will be awarded when you spend $25,000
on Eligible Spend within your membership year; and 
(b)   a further 50 Status Credits when you spend an additional 
$25,000 or more on Eligible Spend within the same
membership year. 
Eligible Spend does not include Card fees and charges, for
example: annual fees, interest, late or dishonoured payments,
cash advances, balance transfers, traveller’s cheques and
foreign currency conversion. 
Membership year means the relevant year which
commences upon Card activation and renews on the day of
your Card activation each subsequent year. 
Please note that you will not be entitled to a proportion of
the Status Credits if you have only spent part of the Eligible
Spend requirement. 
2.   Please allow up to 2 weeks after you meet the minimum Eligible
Spend requirement for the Status Credits to be credited to your
Velocity account. 
3.   In addition to the Status Credits earned with this American
Express Velocity Platinum Card offer, to upgrade or maintain
membership status Velocity members must earn a
percentage of their Status Credits on eligible Virgin Australia
marketed and/or operated flights, flown by the member. To
find out more about Status Credits and the amount of Status
Credits required to be earned on eligible Virgin Australia
marketed and/or operated flights, flown by the member for
Velocity membership levels please visit 
velocityfrequentflyer.com/the-basics/status .

8 
American Express Australia Limited (ABN 92 108 952 085)
Australian Credit Licence No. 291313 
® Registered Trademark of American Express Company 
AEX4051 11/25

---

# Source: https://www.americanexpress.com/content/dam/amex/au/pdfs/credit-cards/pds_velocity-platinum-insurance-tncs.pdf

AMERICAN EXPRESS CREDIT CARD INSURANCE i 
American Express®
Credit Card Insurance
Terms and Conditions 
Effective 15th March 2022
Qantas American Express Ultimate Card
American Express Velocity Platinum Card
American Express Australia Limited ABN 92 108 952 085. ® Registered Trademark of American Express Company.

ii AMERICAN EXPRESS CREDIT CARD INSURANCE 
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   2 
•   Excess   2
•   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
•   Fraud   5
•   Australian Law   6
•   Australian Currency   6 
Chubb Assistance (In The Event Of An Emergency)   6 
•   Emergency assistance around the world   6 
Eligibility For Cover Under This Policy   6 
•   Eligibility Table   6 
If You change Your American Express Card Account product, or Your
American Express Card Account is Cancelled or Suspended   8
Coverage Summary   9
Schedule of Benefits   14
Definitions   18
Benefits   22 
•   Section (A) Trip Cancellation And Amendment Cover   22
•   Section (B) Personal Accident Cover   24
•   Section (C) Travel Inconvenience Cover   25
•   Section (D) Medical Emergency Expenses Cover   26
•   Section (E) Resumption Of Long International Trip Cover   28
•   Section (F) Personal Baggage, Valuables, Money And Travel
Documents Cover   28
•   Section (G) Personal Liability Cover   31
•   Section (H) Card Purchase Cover   32
•   Section (I) Card Refund Cover   33
•   General Exclusions Applicable To Sections A–I above   33
•   General Conditions Applicable To All Sections   35 
How To Make A Claim   35
General Information About This Policy   36
Privacy Statement   36 
•   Why We collect Your Personal Information   36
•   How We obtain Your Personal Information   37
•   When do We disclose Your Personal Information?   37
•   Your decision to provide Your Personal Information   37
•   Access to and correction of Your Personal Information   37
•   How to Make a Complaint   37 
Complaints And Dispute Resolution Process   37 
•   Complaints and Customer Resolution Service   37
•   Contact Details   37
•   Process   38
•   Our response   38
•   External Dispute Resolution   38 
Financial Claims Scheme   38
General Insurance Code Of Practice   38
Sanctions   38

AMERICAN EXPRESS CREDIT CARD INSURANCE 1 
Terms And Conditions
This Policy is effective from 15/03/2022 
American Express® Card Insurance Policy Number: 09NACQUC06 
Eligible American Express Card Products 
This Policy applies to the following American Express Card Account
products only:
(a) Qantas American Express Ultimate Card;
(b) American Express Velocity 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 2 main types of benefit and services:
1.   Travel insurance benefits; and
2.   Retail item cover 
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.

2 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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. 
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
•   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 
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. 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.

AMERICAN EXPRESS CREDIT CARD INSURANCE 3 
Example A – Excess applied:   Example B – Excess and depreciation applied:   Example C – Excess and depreciation applied to
more than one Event: 
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 F – Personal Baggage, Valuables, Money and Travel Documents Cover
Pre-Existing Medical Conditions 
This Policy   does not cover any costs incurred from or relating   to any
Pre-Existing Medical Condition under Sections A – G (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 D - 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,
invitro fertilisation (IVF).

4 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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. 
Cover Section   Age Limit
Age Limit for Covered Person
Travel Insurance Cover 
(Section A - G)
You must be 79 years of age or younger before You make Your
Qualifying Travel Purchase. 
Card Purchase Cover   (Section H) 
Card Refund Cover   (Section I)
No age limitations apply for these cover sections. 
Age Limit for Close Relative or Travelling Companion 
If Your claim relates to 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 E)
Close Relative or Travelling Companion must be 90 years of age or younger
when You make Your Qualifying Travel Purchase. 
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.

AMERICAN EXPRESS CREDIT CARD INSURANCE 5 
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. 
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 D – 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 – G 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 – G
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. 
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 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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. 
Eligibility Table
Cover Section
Eligibility Criteria
To be eligible for the benefits under the cover section(s) of
the Policy, the following eligibility criteria needs to be met:
When are
benefits available
under the Policy?
When are no benefits
available under this Policy?
Travel
Insurance
Cover 
(Sections A – G)
(continued below)
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 /
Qantas Points / Velocity Points (where applicable); and/or
iii.   Travel Benefit.
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
WayTrip.
Please also refer to the Terms,
Conditions and Exclusions within
each cover section (A – G below)
and the General Exclusions and
General Conditions within this
Policy.

AMERICAN EXPRESS CREDIT CARD INSURANCE 7 
Cover Section
Eligibility Criteria
To be eligible for the benefits under the cover section(s) of
the Policy, the following eligibility criteria needs to be met:
When are
benefits available
under the Policy?
When are no benefits
available under this Policy?
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 /
Qantas Points / Velocity 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. 
Card Purchase
Cover 
(Section H) 
Card Refund
Cover   (Section I)
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 Qantas Points / Velocity Points (where applicable).
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
(H and I below) 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.

8 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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. 
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.

AMERICAN EXPRESS CREDIT CARD INSURANCE 9 
The following examples are provided to illustrate how Your cover may be affected by changes to Your 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, 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 
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.

10 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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   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 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.

AMERICAN EXPRESS CREDIT CARD INSURANCE 11 
Section   Cover Description   Key Exclusions
Travel Insurance Cover 
C   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.
D   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.
E   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.

12 AMERICAN EXPRESS CREDIT CARD INSURANCE 
Section   Cover Description   Key Exclusions
Travel Insurance Cover 
F   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.
G   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
nonmechanically propelled watercraft less than 10 metres in
length);
b) firearms; or
c) animals (other than horses and domestic pets). 
Retail item Protection 
H   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.

AMERICAN EXPRESS CREDIT CARD INSURANCE 13 
Section   Cover Description   Key Exclusions
Retail Item Protection 
I   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;
•   tems purchased from a retailer outside Australia;
•   Eligible Items with a purchase price of $50 or less;
•   used or second-hand items.

14 AMERICAN EXPRESS CREDIT CARD INSURANCE 
Travel Insurance
Section
of Cover   Cover Description
Benefit Limit – per Covered Person unless
otherwise stated
International Return Trip   Domestic Return Trip   Excess
Applies
Section A
Trip Cancellation and Amendment Cover (section limit)   Up to $12,500   Up to $12,500
$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 $3,000   Up to $3,000 
Section B
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   $25,000   $25,000 
Permanent Disablement: 
ii.   Loss of both hands or both
feet   $25,000   $25,000
iii.   Loss of one (1) hand and one
(1) foot   $25,000   $25,000
iv.   Loss of entire sight of both
eyes   $25,000   $25,000
v.   Loss of entire sight of one (1)
eye and loss of one (1) hand
or one (1) foot
$25,000   $25,000
vi.   Loss of one (1) hand or one
(1) foot   $12,500   $12,500
vii. Loss of the entire sight of one
(1) eye   $12,500   $12,500 
Schedule of Benefits 
Please note that amounts quoted are in Australian dollars (unless otherwise stated).

AMERICAN EXPRESS CREDIT CARD INSURANCE 15 
Section B 
(Continued) 
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 a 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 C
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 $200
after 4 hours
Up to $400
after 4
hours
Up to $200
after 4
hours
Up to $400
after 4
hours
2.   Extended Delayed, cancelled, overbooked or missed onward
Scheduled Flight
Up to $150
per 24-hour
period to a
maximum
of $600
Up to $300
per 24-hour
period to a
maximum
of $1,200
Up to $150
per 24-hour
period to a
maximum of
$600
Up to $300
per 24-hour
period to a
maximum
of $1,200
3.   Delay of Personal Baggage checked-in on Scheduled Flight
Up to $200
after 6
hours
Up to $400
after 6
hours
Up to $200
after 6
hours
Up to $400
after 6
hours
4.   Extended Delay of Personal Baggage checked-in on
Scheduled Flight
Up to $200
after 48
hours
Up to $400
after 48
hours
Up to $200
after 48
hours
Up to $400
after 48
hours
5.   Delayed arrival to a Special Event   Up to
$2,000
Up to
$4,000
Up to
$2,000
Up to
$4,000

16 AMERICAN EXPRESS CREDIT CARD INSURANCE 
Section D
Medical Emergency Expenses Cover
1. In The Event Of A Medical Emergency (section limit)   Up to $2,500,000
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 $1,000
3.   Repatriation/Evacuation (sub limit)   Up to $2,500,000
4.   Incidental expenses each 24 hours (sub limit)
Up to $50 per 24-hour
period to a maximum
of $3,000
5.   Extra accommodation (room only) (sub limit)
Up to $150 per 24-hour
period up to a maximum
of $1,500
6.   a) Return economy airfare (sub limit)   Up to $1,500
6. b) Extra accommodation (room only) (sub limit)
Up to $150 per 24-hour
period up to a maximum
of $1,500 
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 E
Resumption Of Long International Trip Cover 
$250
1) Returning to Australia for a Close Relative   Up to $3,000   Not Covered 
Section F
Personal Baggage, Valuables, Money And Travel
Documents Cover (section limit)   Up to $10,000   Up to $10,000
a. Money and Travel Documents (sub limit)   Up to $500   Up to $500
b. Maximum total of all Valuables (including sub limits i. to iv.);   Up to $4,000   Up to $4,000

AMERICAN EXPRESS CREDIT CARD INSURANCE 17 
i. One (1) Smartphone (sub limit);   Up to $250   Up to $250
$250
ii.   One (1) laptop (including accessoriessold with the laptop)
(sub limit);   Up to $2,500   Up to $2,500
iii.   One (1) camera (including lenses and accessories)
(sub limit);   Up to $1,000   Up to $1,000
iv. Any other Valuable item (sub-limit)   Up to $1,000   Up to $1,000
c. any other single item or Pair or Set of items (sub limit);   Up to $1,000   Up to $1,000 
Section G   Personal Liability Cover   Up to $2,000,000   Up to $2,000,000   NIL 
Retail Item Protection
Section
of Cover   Cover Description   Benefit Limit   Excess
Applies
Section H
Card Purchase Cover (section limit)   Up to $20,000 in any three hundred and sixty-five (365)
day period beginning when the first claim Event occurs
$50
Per Eligible Item   Up to $2,500 
Section I
Card Refund Cover (section limit)   Up to $2,000 in any three hundred and sixty-five (365) day
period beginning when the first claim Event occurs
NIL
Per Eligible Item   Up to $500

18 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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 products:
a.   Qantas American Express Ultimate Card;
b.   American Express Velocity 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. 
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 / Qantas Points / Velocity Points. 
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. 
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 PreExisting Medical Conditions.

AMERICAN EXPRESS CREDIT CARD INSURANCE 19 
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. 
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 whilst 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. 
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. 
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.

20 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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:

AMERICAN EXPRESS CREDIT CARD INSURANCE 21 
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 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:
i.   Your American Express Card Account; and/or
ii.   Your corresponding American Express Membership Rewards
points/Qantas Points/Velocity Points (where applicable),
and/or
iii.   Travel Benefit. 
Qualifying Purchase   means:
i.   a Qualifying Travel Purchase; or
ii.   purchase of an Eligible Item. 
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. 
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   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.

22 AMERICAN EXPRESS CREDIT CARD INSURANCE 
Taxi   means a vehicle with a driver for public hire for passenger
transportation, either hailed on the street or via a mobile phone
application. 
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. 
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
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;

AMERICAN EXPRESS CREDIT CARD INSURANCE 23 
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; 
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 making 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.

24 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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;
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) 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.

AMERICAN EXPRESS CREDIT CARD INSURANCE 25 
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 a 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. 
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. 
Section (C) 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;

26 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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 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 (D) 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 inpatient 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

AMERICAN EXPRESS CREDIT CARD INSURANCE 27 
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). 
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;

28 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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. 
Section (E) 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 (F) 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

AMERICAN EXPRESS CREDIT CARD INSURANCE 29 
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:
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

30 AMERICAN EXPRESS CREDIT CARD INSURANCE 
Example A – Excess applied:   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% 
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;
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;
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; 
Depreciation Table

AMERICAN EXPRESS CREDIT CARD INSURANCE 31 
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.   Y ou 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
c.   animals (other than horses and domestic pets);
9.   injury or loss of or damage to material property arising directly or
indirectly from:
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. 
EXCLUSIONS – PERSONAL BAGGAGE, VALUABLES, MONEY
AND TRAVEL DOCUMENTS COVER 
As noted in the Schedule of Benefits. 
Section (G) 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);

32 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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. 
EXCLUSIONS – PERSONAL LIABILITY COVER 
As noted in the Schedule of Benefits. 
Section (H) 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 Your American
Express Card Account / Qantas Points / Velocity Points, then We will
only pay such percentage of the purchase price that was paid with
Your American Express Card Account / Qantas Points /
Velocity 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:
a.   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 
b.   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;
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.   to 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
installedaccessories;
e.   second-hand items, including antiques. 
EXCESS – CARD PURCHASE COVER 
As noted in the Schedule of Benefits.

AMERICAN EXPRESS CREDIT CARD INSURANCE 33 
Section (I) 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. 
General Exclusions Applicable To Sections A–I 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 E –
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.   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;

34 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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;
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 B – Personal Accident Cover or Section D – Medical
Emergency Expenses 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 D – 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 D – 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 D – 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).

AMERICAN EXPRESS CREDIT CARD INSURANCE 35 
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
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. 
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). 
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.

36 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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 emailed 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
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.

AMERICAN EXPRESS CREDIT CARD INSURANCE 37 
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.
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
Fax: + 61 2 9335 3467
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 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.

38 AMERICAN EXPRESS CREDIT CARD INSURANCE 
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.
The Insurance Act is designed to ensure that, under all reasonable
circumstances, financial promises made by Us are met within a stable,
efficient and competitive financial system.
Because of this We are exempted from the requirement to meet the
compensation arrangements Australian financial 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 confidence 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) (https:/ /www.chubb.com/au-en/customer-service/
support-forcustomers-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.

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

---

# Source: https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit_Card_Conditions.pdf

American Express Australia Limited (ABN 92 108 952 085)
Australian Credit Licence and AFS Licence No. 291313
® Registered Trademark of American Express Company 
Credit Card Conditions,
Card Member
Privacy Statement,
Information Statement,
Credit Guide and
Financial Services Guide 
15 September 2026

Postal Address 
American Express Australia Limited 
Card Member Services
GPO Box 1582
Sydney NSW 2001 
Lost or Stolen Cards in Australia 
Telephone:   1300 132 639 
For Platinum Credit Card – Telephone:   1800 059 388 
Overseas 
Report your loss or theft to the nearest
American Express Travel Service location or call
collect (reverse charges) to Australia +61 2 9271 8666
For Platinum Credit Card – Call operator-assisted
international collect on +61 2 9271 4011 
Account Enquiries 
Telephone:   1300 132 639 (in Australia) 
Internet:   americanexpress.com.au

- 3 - 
Contents
1.   Credit Card Conditions   4
2.   American Express Card Member Privacy Statement   21
3.   Information Statement   32
4.   American Express’ Credit Guide   36
5.   Financial Services Guide   38

- 4 - 
Credit Card Conditions
American Express Credit Card Conditions
– 15 September 2026
1. Introduction
About your
Agreement 
These Credit Card Conditions along with your
Financial Table make up the agreement for
your Account with us (this 
Agreement ).
By activating your Card or using your Account,
you agree to this Agreement which replaces
any previous agreement for your Account.
Signed for American Express: 
American Express 
Definitions
we use in this
Agreement 
Words we use in this Agreement: 
You   and   your   means the person who applied
for this Account and for whom we opened the
Account. References to   you   and   your   also
include actions taken by Additional Card
Members, but Additional Card Members do
not have any direct contractual obligations to
us under this Agreement. 
•   We ,   us   and   our   means American Express
Australia Limited (ABN 92 108 952 085,
Australian Credit Licence 291313). 
•   Account   means the account we maintain in
relation to Cards in your name to which we
may add Charges. 
•   Balance Transfer   means the balance that
you owed to another lender that has been
paid by us on your behalf and added to
your Account. 
•   Card   means any card, token, application or
other thing we make available for the
purpose of accessing your Account. 
•   Cash Advance   means any cash advance
from an ATM or any other types of Charges
which we notify you will be treated as
equivalent to cash, including fees and
interest relating to these. 
•   Charge   means any amount added to
your Account, such as Purchases,
Balance Transfers, Cash Advances, fees
and interest charges. 
•   Purchase   means a Charge using your Card
to acquire goods or services. 
•   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.

- 5 - 
2. About using your Account
Using your
Card and
Account 
You may use your Card and Account to make
Purchases and if we have approved them,
Balance Transfers and Cash Advances. You
may also add fees, interest and other Charges
we allow you to make to your Account. You
must not use your Card or Account for any
illegal activities.
You authorise Charges on your Account
when they are made with your knowledge
and consent. For example, giving your Card
or Account details to a merchant, submitting
a transaction online or using a mobile
payment device.
We may issue you with Cards to replace your
existing Cards (including different types of
Cards). Where your Card has an expiry date
you must destroy expired Cards in a way that
means they cannot be used (e.g. by cutting it
into pieces).
You may authorise a merchant to Charge your
Account at regular intervals for goods or
services (called recurring Charges). You must
contact the merchant directly to stop
recurring Charges on your Account. 
Your promise
to pay us 
Except as set out in the section “When you are
liable for unauthorised Charges”, you promise
to pay to us all Charges on your account
including Charges:
•   you authorise even if there was no signature
or card presented.
•   related to any Balance Transfer processed
and paid at your request.
•   you authorise by allowing other people to
use your Account or Card.
•   that occur because you breach this
Agreement (for example, if you haven’t taken
reasonable steps to protect your Account).

- 6 - 
Keeping
within your
credit limit 
Your initial credit limit is set out in the Financial
Table. We will set your credit limit based on
your request, any minimum credit limit and
our assessment of your circumstances. We
may reduce it at any time. If we do, we will give
you notice as soon as reasonably practicable.
You can always request us to change your
credit limit. You may request that we decrease
your limit and we will always reduce it if asked
(subject to any minimum credit limit, and
whether the requested limit is less than what
you currently owe us, which would cause you
to exceed your requested limit). You may also
request that we increase your credit limit, but
we are not obliged to raise it.
We may approve Charges that result in your
balance exceeding your credit limit. This does
not constitute an increase in your credit limit.
If your outstanding balance on your Account
is greater than your credit limit (an over limit
amount), an over limit fee may be payable and you
must pay us all amounts that exceed the credit
limit, together with your minimum payment.
We may impose credit limits applicable to
particular types of Charges as set out in your
Financial Table or otherwise notified to you
(for example we may restrict the amount of
your Account balance that can be made up of
Cash Advances). 
Approving
and declining
Charges 
We may decline a Charge on reasonable
grounds. Reasons we may do this include
suspected unauthorised or improper use,
fraud, technical difficulties, our assessment of
your creditworthiness, if the use of the Card
would be prohibited, you have insufficient
available credit, or because certain types of
Charges are not available. This may occur
even if your Account is not in default.
In some cases, a merchant may seek a
pre-approval for a Charge. If this happens,
your available credit will be reduced by the
amount of the pre-approval which may
restrict your ability to make further Charges.

- 7 - 
Fees you
agree to pay 
The fees that apply to your Account are set out
and described in the Financial Table. You agree
to pay these fees and you authorise us to
charge them to your Account when they are
due. Except as noted in this Agreement, all
fees are non-refundable.
We may change the fees, including changing
the way they are calculated, when they are
payable or by imposing new fees.
We will provide notice of any change as set out
in this Agreement. Please see the section titled
‘Making changes to this Agreement’. 
Sending you
statements
and other
communica-
tions 
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 will provide you with or make statements
of account available to you normally once
every month. We will either send them to you
in the post or give you access to them online
based on your choice. You can change your
choice at any time, unless your Account only
allows online statements. If you choose or are
required to access online statements, we will
send you an email with a link to your online
statement when your statement is available.
If there hasn’t been recent Account activity,
if your Account is seriously overdue or if the
balance is less than $10 or in credit, we may
not produce a statement.
Each statement will show important
information about your account, such as the
closing balance, the minimum payment due,
due date and Charges on your Account.
Always check each statement for accuracy
and contact us as soon as possible if you
need more information about a Charge on
any statement.
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.

- 8 -
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. 
About
Additional
Card
Members 
At your request, we may issue Cards to
Additional Card Members. They do not have
accounts with us but they can use your
Account subject to the terms of this
Agreement. We may share information about
your Account with Additional Card Members
in accordance with your Card Member
Privacy   Statement.
We may limit the number of Additional cards
issued on your account.
You are responsible for the use of your
Account by Additional Card Members and
anyone they allow to use your Account and for
ensuring that Additional Card Members
comply with this Agreement, particularly as it
deals with using or dealing with a Card or
authorising Charges.
If you want to cancel an Additional Card
Member’s right to use your Account (and
cancel their Card) you must tell us. 
Additional
Card
Member
Communi-
cations 
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.

- 9 -
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. 
3. Interest
When is
interest
payable? 
The following table explains in what
circumstances and on which amounts you will
pay interest. This depends on whether you pay
the full ‘closing balance’ by the due date shown
on your statement on both the current and
previous statements. 
Did you
pay the
full ‘closing
balance’ by
the due date
On which Charges will you pay interest
and when will the interest be added to
your Account? 
On your
previous
statement?
On your
current
statement? 
Yes   Yes 
All Cash Advances and Balance Transfers
shown on your current statement 
Interest up to the date of your current statement
will appear on your current statement.
Interest up to the date you pay the full ‘closing
balance’ on your current statement in full will
appear on your next statement. 
No interest is payable on other Charges
(e.g. Purchases, other fees and interest)
shown on your current statement 
Yes   No 
All Cash Advances and Balance Transfers
shown on your current statement 
Interest up to the date of your current
statement will appear on your current
statement. Interest will continue to appear on
future statements for unpaid Cash Advance
and Balance Transfer balances, until you have
paid these balances in full.

- 10 - 
Yes   No 
All other Charges (e.g. Purchases,
other fees and interest) shown on
your current statement 
Interest will be charged from the due date
shown on your current statement, taking into
account any payments you have made, and
will appear on your next statement. 
All new Charges (e.g. Purchases, other
fees and interest) not shown on your
current statement 
Interest will be charged from the date of the
Charge or the due date shown on your current
statement (whichever is later), taking into
account any payments you have made, and
will appear on your next statement. 
No   No 
All types of Charges whenever they were
made, based on the unpaid daily balance
for your Account during the current period 
Interest will appear on your current statement. 
Did you
pay the
full ‘closing
balance’ by
the due date
On which Charges will you pay interest
and when will the interest be added to
your Account? 
On your
previous
statement?
On your
current
statement? 
No   Yes 
All types of Charges whenever they were
made, based on the unpaid daily balance
for your Account during the current period 
Interest will appear on your current statement. 
All Cash Advances and Balance Transfers
made, but not shown on your current
statement 
Interest will appear on your next statement. 
All other Charges (e.g. Purchases, other
fees and interest) made before you paid
the full ‘closing balance’ in full, but not
shown on your current statement 
Interest up to the date you paid the full ‘closing
balance’ will appear on your next statement.

- 11 - 
No   Yes 
You will only pay interest on all other
Charges (e.g. Purchases, other fees and
interest) made after you paid the full
‘closing balance’ in full if you do not pay
the full ‘closing balance’ on your next
statement by the due date 
If applicable, Interest will appear on the
statement after your next statement. 
How we
calculate
interest on
your Account 
When interest is payable on Charges, we will
charge it at the annual percentage rates set
out in your Financial Table or as later notified
to you in accordance with the section titled
‘Making changes to this Agreement’. We
convert those rates into a daily percentage
rate for the purposes of the calculation (using
365 days). We calculate interest:
•   separately on the different types of Charges
(i.e. Cash Advances, Balance Transfers,
Purchases and other Charges) which have
different annual percentage rates applying.
•   each day on amounts that are subject to
interest (in accordance with the table above),
until the amount is fully repaid to us.
•   by applying each daily percentage rate to
that part of the unpaid daily balances to
which it applies. 
4. Payments
You must pay
at least the
minimum
payment by
the due date 
You must pay us at least the minimum payment
by the due date shown on your statement.
Provided you pay the minimum payment by
the due date, repayment of your Account
balance is fully flexible and you have a right to
pay us amounts you owe whenever and as
often as you like.
You also agree to pay us any amount by which
you have gone over your credit limit (‘Over
Limit Amount’), which we will include within
your minimum payment. Therefore the
amount shown as due on your statement may
include the minimum payment, any arrears still
outstanding and any Over Limit Amount.
Payments will be treated as clearing arrears
before they are treated as payment of your
minimum payment.
Credits and refunds to your Account will not
be treated as payments made by you.

- 12 - 
How to make
payments 
You must make payments to us in Australian
Dollars by any of the methods set out in your
statement or any other methods we tell you.
You must allow sufficient time for us to receive
your payment by the 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.
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.
If we process a late payment, a partial
payment or a payment marked with any
restrictive language (such as in full and final
settlement), that will have no effect on our
rights (e.g. to recover the full balance owing)
and will not change this Agreement.
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. 
How we apply
payments 
Different rates of interest may apply to your
Account. For example, Purchases usually have
a lower interest rate than Cash Advances.
Here is how we apply payments:
•   Firstly, we will apply your payments to
amounts included in the closing balance on
your latest statement, from the amounts
having the highest interest rate, and then to
amounts having the next highest interest
rate, and so on, with amounts having the
lowest interest rate paid last.
•   Thereafter, we will apply your payments to
amounts that have not appeared on your
statement.
Credits and refunds to your Account will not
be treated as payments made by you.

- 13 - 
5. Account safety & security 
Warning: Failure to comply with your obligations to protect
your Account or to notify us of a lost or stolen Card may
make you liable for unauthorised Charges. 
Protecting
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.
•   never share your Card or Account details
with anyone, except with merchants when
making Purchases.
•   never share your PIN or passwords with
anyone else including a family member
or friends.
•   memorise your PIN and passwords
(don’t write them down anywhere without
making a reasonable attempt to protect
their security).
•   do not choose a PIN or password that is
easily guessed or can easily be associated
with you such as your name or date of birth.
•   take care to prevent anyone else seeing your
PIN or password when using them – for
example at an ATM or when using a
computer or mobile device.
•   keep electronic devices you use to make
payments or access your Account such as
mobile phones, tablets and computers safe
and secure, and make sure they are
password protected. 
How to
contact us
if you have a
lost or stolen
Card or
unauthorised
Charges 
You must tell us immediately by telephone on
1300 132 639 (or if overseas by reverse charges
on +61 2 9271 8666) if:
•   a Card is lost, not in your possession, stolen
or not received.
•   a mobile device you use to make mobile
payments using your Account is lost or stolen.
•   someone else knows your PIN or other
security code.
•   your Account or Card is being misused, or
used without your authorisation, or a Charge
on your Account has not been authorised by
you or has been processed incorrectly.

- 14 - 
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 receive your Card, PIN
or any other Account access device.
•   related to a Charge being incorrectly debited
more than once.
•   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. What constitutes an
‘unreasonable delay’ will be determined on a
case by case basis.
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.

- 15 - 
6.   Ending this Agreement & suspending or cancelling
your Account
How to
end this
Agreement 
You may request to end this Agreement at any
time through our online services, by calling us
or writing to us using the contact details on
page 2 of this Agreement. We will confirm your
Account has been cancelled in writing.
The Agreement will only come to an end once
you have paid off all amounts you owe us.
Until this time, all of the terms of the
Agreement will continue to apply (including our
right to change the terms of the Agreement),
but you will have no rights under it to use the
Account to make Charges and you will not be
entitled to any benefits that are included with it.
We may end this Agreement if your Account is
cancelled and you have paid off all amounts
you owe us.
When the Agreement ends you must destroy
all Cards and stop using your Account and
inform merchants not to make any further
Charges on your Account.
You may also be entitled to a refund of your
annual fee in certain circumstances. If you are
ending this Agreement because you do not
agree with changes we are making to this
Agreement and those changes are detrimental
to you, we may give you a pro-rated refund of
your annual fee provided you give us notice that
you intend to end your Agreement within
30   days of us telling you about the relevant
changes to this Agreement. 
When we may
suspend or
cancel your
Account 
We may on reasonable grounds immediately:
•   cancel or suspend your Account (i.e.
permanently or temporarily stop you from
using your Account or Card to make any
Charges and prevent you from accessing
any services offered under this Agreement).
•   cancel or suspend any feature on
your Account.
•   withdraw or not reissue any Card.
We will notify you as soon as reasonably
practicable if we take any of these actions.
Once your Account is cancelled or suspended,
you must not use your Account, and if
cancelled, you must destroy your Cards.

- 16 -
If we cancel your Account, this Agreement
and all of its terms will remain in force until you
have paid off all amounts you owe to us. This
means that you must continue to pay all
amounts owing on your Account when they
are due and payable, but you will have no right
to use the Account or your Card for further
Charges and will not have any access to any
benefits on the Account.
We may do this for various reasons including if:
•   we consider your Account to be in default (see
the section ‘About default and acceleration’).
•   we are required to do so by law.
•   we give you at least 30 days’ notice. 
About
default and
acceleration 
We consider your Account to be in default if:
•   you fail to comply with your obligations
under this Agreement, for example failure to
make any payment when it is due.
•   you give us false or misleading information.
•   you breach another Agreement you have with
us or another American Express company.
•   we have reasonable grounds to believe you
are unable or unwilling to pay your debts
when due.
•   we suspect any illegal, improper or
fraudulent use of your Account.
If you are in default and subject to providing
the relevant notices under applicable law we
may at our discretion require that you
immediately pay all sums owing on your
account including unbilled charges that may
not be shown on your statement. 
7. General
Making
changes to
this
Agreement 
We may change any provision of this Agreement
at any time, including annual percentage rates,
fees, how we apply payments and benefits and
services associated with the Account and
changes affecting your payment obligations.
We will inform you in accordance with the
‘Sending you statements and other
communications’ section of this Agreement
and in accordance with applicable law.
We will give you:
•   at least same-day notice for a change to an
annual percentage rate.

- 17 -
•   no prior notice for a credit limit decrease, but
we will give you notice as soon as reasonably
practicable.
•   at least 30 days’ advance written notice or
any longer period of time as we consider
reasonably necessary, except where the
change is in your favour, for example if it
reduces what you have to pay under this
Agreement.
You may also be entitled to a refund of your
annual fee in certain circumstances. If you are
ending this Agreement because you do not
agree with changes we are making to this
Agreement and those changes are detrimental
to you, we may give you a pro-rated refund of
your annual fee provided you give us notice that
you intend to end your Agreement within
30 days of us telling you about the relevant
changes to this Agreement. 
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

- 18 -
•   Submit that Charge to us in Australian
Dollars, meaning we will not convert the
Charge or apply 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 Foreign Charge may be
processed on different days with
different rates;
•   we do not apply any currency conversion fee
to refunds of Foreign Charges.
•   the refund may be only a partial refund for
the Foreign Charge; or
•   where third parties convert Charges in
foreign currency, those third parties may
treat refunds differently to the original
foreign currency Charge. 
About our
Card Member
Privacy
Statement 
The collection, use and sharing of your
personal information by us is regulated by the
Privacy Act. We collect, use and share your
personal information in accordance with our
American Express Card Member Privacy
Statement. Our Card Member Privacy
Statement provides you with
information about:
•   the collection, use and sharing 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 direct marketing.
•   more details on our Online Privacy
Statement and Credit Reporting Policy.
A full copy of our Card Member Privacy
Statement is provided with this Agreement.
By providing your personal information to us
and using your Account, you agree to the terms
of our Card Member Privacy Statement. 
Assigning
this
Agreement 
We may sell, transfer or assign any of our
rights or obligations under this Agreement.
For example we may do this if we sell part of
our business or if we sell any debt you owe.
You agree that we may disclose any
information or documents we hold about
you to help us exercise these rights.
You may not sell, transfer or assign any of your
rights or obligations under this Agreement.

- 19 - 
Complaints
about
American
Express 
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 2542.
If the problem cannot be resolved immediately,
we will advise you in writing of our procedures
for investigation and resolution of the
complaint. We may require further information
from you to resolve the problem.
If you are not satisfied with the outcome of our
investigation you may pursue your complaint
with the Australian Financial Complaints
Authority Limited. You can contact them on
1800 931 678 or write to them at GPO Box 3,
Melbourne VIC 3001. 
Complaints
and disputes
with
Merchants 
If you have a complaint or problem with a
merchant, you must still pay all Charges you
have authorised on your Account and settle
the dispute directly with the merchant.
If you dispute a Charge with a merchant, we
may credit your Account for all or part of the
disputed Charge. If we do so, whether we were
legally required to make the refund or not, you
and any Additional Card Members agree that
you are automatically deemed to assign and
transfer to us all rights and claims (excluding
tort claims) against the merchant.
You agree that you will not pursue any claim
against the merchant for the credited amount,
and you must cooperate with us if we
decide to do so. 
Payments to
third parties 
If your Account application was obtained from
or promoted by a third party or your Card is
co-branded with another business, we may
pay them a fee or commission.
In some cases we pay an amount up to $400.
In other cases the amount payable is
unascertainable at the date of this Agreement.
Generally a component of the payment
is based on the Card you applied for or
the amount of purchases charged to
your Account. 
We do not
waive our
rights 
We may choose to delay enforcing or to not
exercise rights under this Agreement. If we do
this, we do not waive our rights to exercise or
enforce them on any other occasion.

- 20 - 
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. 
Taxes   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. 
Limitations
on our
liability 
We are not responsible or liable to you for:
•   any refusal, delay or failure by a merchant to
accept the American Express cards;
•   declining an attempted Charge;
•   goods and services you charge to your
Account, including any dispute with a
merchant about goods and services you
charged to your Account; and
•   except in relation to our liability 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 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.
•   in the case of services, the supplying of the
services again, or the payment of the cost
of having the services supplied again.

- 21 - 
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 specific 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 specific 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.

- 22 -
At the bottom of this statement, we explain how we use
artificial 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
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 financial 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

- 23 -
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, financial
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
•   from credit reporting bodies, as described above for credit
information or for identity verification.
•   from people or companies named in your credit
application (for example your employer)

- 24 -
•   from other information providers and sources that we may
contact to verify your identity and financial information
(such as, data aggregators, companies that process or
administer your superannuation contributions, payroll
providers, financial 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, benefits 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

- 25 -
-   to manage your existing Accounts and credit limits 
•   verify your identify and your financial details, including to:
-   verify your income
-   verify your identity and your identification 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:
•   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
financial institutions) that we may contact to verify your
identity and financial 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)

- 26 -
•   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-identified 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-identified 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. 
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 notification),
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

- 27 -
United Kingdom. We will ensure that any transfer of your
personal information is subject to appropriate conditions of
confidentiality 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 files and other records. We have taken a
number of steps to protect the personal information we hold
from misuse, loss, and unauthorised access, modification,
or disclosure. We use generally accepted technology and
security so that we are satisfied 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. 
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.

- 28 -
To request access to your personal information, request a
correction or make a 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 confirm 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 unsatisfied 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
first. 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, classifications, predictions, or
recommendations. These systems help us assess the
likelihood of certain outcomes (such as credit risk or potential
fraud) based on patterns identified 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 confirmed 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.

- 29 -
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. 
Decisions we make using ADM Systems 
We use ADM Systems in connection with:
•   assessing eligibility and applications for Cards and other
financial 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 financial circumstances, account activity and
repayment history).
•   assessing creditworthiness and financial 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 verification and authentication.
•   providing customer service and support; and
•   personalising or determining eligibility for certain benefits,
offers and promotions.
Some decisions made using ADM Systems may have a
significant 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

- 30 -
•   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.
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.

- 31 -
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.
American Express Australia Limited (ABN 92 108 952 085).
® Registered Trademark of American Express Company.

- 32 - 
Information Statement
Things you should know about your proposed
credit contract 
This statement tells you about some of the rights and
obligations of yourself and your credit provider
( American Express, we, us). It does not state the terms and
conditions of your contract.
If you have any concerns about your contract, contact us
and, if you still have concerns, our external dispute
resolution scheme, the Australian Financial Complaints
Authority Limited (AFCA) on 1800 931 678 or write to them
at GPO Box 3, Melbourne VIC 3001, or get legal advice. 
The contract 
1. How can I get details of my proposed credit contract? 
We must give you a pre-contractual statement containing
certain information about your contract. The pre-contractual
statement, and this document, must be given to you before:
•   your contract is entered into; or
•   you make an offer to enter into the contract; whichever
happens first. 
2. How can I get a copy of the final contract? 
If the contract document is to be signed by you and returned
to us, you must be given a copy to keep. Also, we must give
you a copy of the final contract within 14 days after it is made.
This rule does not, however, apply if we have previously given
you a copy of the contract document to keep.
If you want another copy of your contract, write to us and ask
for one. We may charge you a fee. We have to give you a copy:
•   within 14 days of your written request if the original
contract came into existence 1 year or less before your
request; or
•   otherwise within 30 days of your written request. 
3. Can I terminate the contract? 
Yes. You can terminate the contract by writing to us so long as:
•   you have not obtained any credit under the contract; or
•   a card or other means of obtaining credit given to you by
us has not been used to acquire goods or services for
which credit is to be provided under the contract.
However, you will still have to pay any fees or charges
incurred before you terminated the contract. 
4. Can I pay my credit contract out early? 
Yes. Pay us the amount required to pay out your credit
contract on the day you wish to end your contract.

- 33 - 
5. How can I find out the payout figure? 
You can write to us at any time and ask for a statement of
the payout figure as at any date you specify. You can also
ask for details of how the amount is made up.
We must give you the statement within 7 days after
you give your request to us. You may be charged a fee
for the statement. 
6.   Will I pay less interest if I pay out my contract early? 
Yes. The interest you can be charged depends on the actual
time money is owing. However, you may have to pay an early
termination charge (if your contract permits us to charge
one) and other fees. 
7. Can my contract be changed by American Express? 
Yes, but only if your contract says so. 
8. Will I be told in advance if American Express is going
to make a change in the contract? 
That depends on the type of change. For example:
•   you get at least same-day notice for a change to an annual
percentage rate. That notice may be a written notice to you
or a notice published in a newspaper;
•   you get 30 days’ advance written notice for:
-   a change in the way in which interest is calculated; or
-   a change in credit fees and charges; or
-   any other changes by us;
except where the change reduces what you have to pay
or the change happens automatically under the contract. 
9.   Is there anything I can do if I think that my contract
is unjust? 
Yes. You should first talk to us. Discuss the matter and see
if you can come to some arrangement.
If that is not successful, you may contact the AFCA scheme.
The AFCA scheme is a free service established to provide
you with an independent mechanism to resolve specific
complaints. The AFCA scheme can be contacted at
1800 931 678, GPO Box 3, Melbourne VIC 3001 or
www.afca.org.au.
Alternatively, you can go to court. You may wish to get legal
advice, for example from your community legal centre or
Legal Aid. You can also contact ASIC, the regulator, for
information on 1300 300 630 or through ASIC’s website
at www.asic.gov.au.

- 34 - 
Insurance 
10. Do I have to take out insurance? 
We can insist you take out or pay the cost of types of
insurance specifically allowed by law. These are compulsory
third party personal injury insurance, mortgage indemnity
insurance or insurance over property covered by any
mortgage. Otherwise, you can decide if you want to take out
insurance or not. If you take out insurance, we cannot insist
that you use any particular insurance company. 
11. Will I get details of my insurance cover? 
Yes, if you have taken out insurance over mortgaged
property or consumer credit insurance and the premium is
financed by us. In that case the insurer must give you a copy
of the policy within 14 days after the insurer has accepted
the insurance proposal.
Also, if you acquire an interest in any such insurance policy
which is taken out by us then, within 14 days of that
happening, we must ensure you have a written notice of the
particulars of that insurance.
You can always ask the insurer for details of your insurance
contract. If you ask in writing, your insurer must give you a
statement containing all the provisions of the contract. 
12.   If the insurer does not accept my proposal,
will I be told? 
Yes, if the insurance was to be financed by the credit contract.
The insurer will inform you if the proposal is rejected. 
13. In that case, what happens to the premiums? 
We must give you a refund or credit unless the insurance
is   to be arranged with another insurer. 
General 
14. What do I do if I cannot make a repayment? 
Get in touch with us immediately. Discuss the matter and
see if you can come to some arrangement. You can ask us
to change your contract in a number of ways:
•   to extend the term of your contract and reduce payments; or
•   to extend the term of your contract and delay payments
for a set time; or
•   to delay payments for a set time.

- 35 - 
15.   What if American Express and I cannot agree on a
suitable arrangement? 
If we refuse your request to change the repayments, you
can ask us to review this decision if you think it is wrong.
If we still refuse your request you can complain to the AFCA
scheme that we belong to. Further details about this
scheme are set out below in question 17. 
16. Can American Express take action against me? 
Yes, if you are in default under your contract. But the law
says that you cannot be unduly harassed or threatened
for repayments. If you think you are being unduly harassed
or threatened contact the AFCA scheme or ASIC, or get
legal advice. 
17. Do I have any other rights and obligations? 
Yes. The law will give you other rights and obligations.
You should also   READ YOUR CONTRACT   carefully. 
IF YOU HAVE ANY COMPLAINTS ABOUT YOUR
CREDIT CONTRACT, OR WANT MORE INFORMATION,
CONTACT AMERICAN EXPRESS. YOU MUST ATTEMPT
TO RESOLVE YOUR COMPLAINT WITH US BEFORE
CONTACTING THE AFCA SCHEME. IF YOU HAVE A
COMPLAINT WHICH REMAINS UNRESOLVED AFTER
SPEAKING TO US YOU CAN CONTACT THE
AFCA SCHEME OR GET LEGAL ADVICE.
THE AFCA SCHEME IS A FREE SERVICE ESTABLISHED
TO PROVIDE YOU WITH AN INDEPENDENT MECHANISM
TO RESOLVE SPECIFIC COMPLAINTS.
THE AFCA SCHEME CAN BE CONTACTED AT
1800 931 678, AT WWW.AFCA.ORG.AU OR WRITE
TO THEM AT GPO BOX 3, MELBOURNE VIC 3001.
PLEASE KEEP THIS INFORMATION STATEMENT. YOU MAY
WANT SOME INFORMATION FROM IT AT A LATER DATE.

- 36 - 
American Express’ Credit Guide
Definitions 
Throughout this credit guide the following words have
special meanings: 
•   ‘American Express’ ,   ‘we’ ,   ‘us’   and   ‘our’   means
American Express Australia Limited (ABN 92 108 952 085,
Australian Credit Licence and AFS Licence No. 291313). 
•   ‘You’   and   ‘your’   means the person to whom this credit
guide has been provided. 
About American Express 
American Express has registered as a credit provider under
the National Consumer Credit Protection Act. You can
contact American Express in the following ways: 
Mail:   American Express Australia Limited 
GPO Box 1582 
Sydney NSW 2001 
Telephone:   1300 132 639 
Resolving Disputes 
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 credit
services, please take the following steps:
•   Please contact us by phone on the above number to
discuss your complaint.
•   If your complaint is not satisfactorily resolved within twenty
(20) business days, please address your complaint in
writing to: 
Mail:   The Complaints Manager 
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), an independent, external
dispute resolution body.
Please note that AFCA will refer you to American Express
if   you didn’t first raise your complaint with us.

- 37 -
You may contact AFCA by the following means: 
Mail:   Australian Financial Complaints Authority 
GPO Box 3, 
Melbourne VIC 3001 
Telephone:   1800 931 678 
Fax:   +61 3 9613 6399 
Internet:   www.afca.org.au
•   The Australian Securities and Investments Commission
also has an Infoline on 1300 300 630 which you may use to
make a complaint and obtain information about your rights. 
Assessment of Unsuitability (applicable for credit
contracts entered into from 1 January 2011) 
From 1 January 2011, before we enter into a credit contract
with you, or increase your credit limit, we must undertake an
assessment to ensure that the credit contract or increased
limit would not be ‘unsuitable’ for you.
As part of this assessment we will make reasonable
inquiries about your financial situation and your
requirements and objectives and then take reasonable
steps to verify your financial situation.
We must not offer you a credit contract, or increase in credit
limit, if we assess it as unsuitable for you. We will assess it as
unsuitable if you will be unable to comply with your financial
obligations under the credit contract, could only comply
with substantial hardship, or it will not meet your
requirements or objectives.
You may request a copy of your assessment up until 7 years
after we enter into a credit contract with you, or increase your
credit limit. We must provide the assessment to you in
accordance with the timeframes below: 
If you request your
assessment
We must provide it 
Before we enter into a credit
contract with you or increase
your credit limit.
Before entering the credit
contract or increasing the
credit limit.
Within 2 years after we enter
into a credit contract with you
or increase your credit limit.
Within 7 business days after
we receive the request.
After 2 years but within 7 years
after we enter into a credit
contract with you or increase
your credit limit.
Within 21 business days after
we receive the request.
Note that we are not required to give you a copy of the assessment if we do
not enter into a credit contract with you or do not increase your credit limit.

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Financial Services Guide
Definitions 
Throughout this document the following words have
special meanings: 
•   ‘American Express’ ,   ‘we’ ,   ‘us’   and   ‘our’   means
American   Express Australia Limited (ABN 92 108 952 085,
Australian Credit Licence and AFS Licence No. 291313). 
•   ‘you’   and   ‘your’   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;
•   our internal and external complaints handling procedures.
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.

- 39 - 
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 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 (Cth):
•   Credit Cards and Charge Cards (personal and business);
•   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). 
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 as follows:
•   General insurance issued by Chubb Insurance Australia
Limited ABN 23 001 642 020, AFS Licence No. 239687
•   Up to 45% of the premium is received from Chubb
Insurance Australia Limited
•   General Insurance underwritten by Allianz Australia
Insurance Limited ABN 15 000 122 850 AFS Licence
No.   234708 and issued and managed by AGA Assistance
Australia Pty Ltd ABN 52 097 227 177, AFS Licence
No.   245631 as its agent
•   Up to 40% of the premium is received from
AGA   Assistance Australia Pty Ltd

- 40 -
•   Life insurance issued by MetLife Insurance Limited
ABN 75 004 274 882, AFS Licence No. 238096
•   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. 232510
•   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 Secure Sentinel Pty Ltd.
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 arise 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;
•   Payments based on the total value of products sold or
volume of sales transacted by an account opened by
a team member.

- 41 -
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 pre-paid) 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 single 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
(“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.

- 42 - 
Staff Incentives & 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 guide our conduct in the collection, use,
disclosure and security of customer information, as well as
the responsibilities we assume as employees, including our
dealings with our business partners. These Principles
provide a minimum standard for how we manage our
customers’ personal information, and apply throughout the
American Express group of companies worldwide.
In Australia, we adhere to the Australian Privacy Principles
and the Privacy Act 1988 (Cth). A copy of our Privacy Policy
Statement is located on our website at http://
americanexpress.com.au/privacy or may be obtained by
contacting us. 
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 our 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, at 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:

- 43 - 
Mail:   The Complaints Manager 
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), a free, fair and independent,
external dispute resolution scheme. Please note that AFCA
will refer you to American Express if you didn’t 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 
Fax:   +61 3 9613 6399 
Internet:   www.afca.org.au
The Australian Securities and Investments Commission also
has an Infoline 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 as follows: 
Mail:   American Express Australia Limited
GPO Box 1582,
Sydney NSW 2001 
Telephone:   1300 132 639

American Express Australia Limited (ABN 92 108 952 085)
Australian Credit Licence and AFS Licence No. 291313
® Registered Trademark of American Express Company
AU114 07/26

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# Source: https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Velocity.pdf

Key Facts About This Credit Card 
Credit provided by American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence No. 291313. ®Registered Trademark of American Express Company. 
Correct as at   6 November   2024   This information sheet is an Australian Government requirement
under the   National Consumer Credit Protection Act 2009. 
DESCRIPTION OF CREDIT   CARD 
Product name   The   American Express   Velocity Escape   Plus   Card   The American Express   Velocity   Platinum Card 
Minimum credit limit   $2,000   $3,000 
Minimum repayments   2.5% or $30, whichever is greater 
Interest on purchases   2 3 . 99 % p.a. 
Interest-free period   Up to 55 days 
Interest on cash advances   Not Offered 
Balance transfer interest rate   Not Offered 
Annual fee 1   $ 95   $ 440 
Late payment fee   $30 
1   Promotional offers may apply. 
There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this Credit Card can be obtained from
americanexpress.com.au/fees For more information on choosing and using Credit Cards ,   visit the ASIC consumer website at www.moneysmart.gov.au
The terms on which this Credit Card is offered can change over time. You can check if any changes have been made by visiting us   at   americanexpress.com.au/kfscontact