AMEX

Terms and Conditions
1. Platinum Business Card required. Extend your cash flow by up to 55 days: Depending on when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your Account from your previous statement period.

2. AccessLine is not available to individual consumers. To enroll in this service, your business will be required to complete an application, which is subject to review and approval by American Express. For a copy of the application, including Terms and Conditions, call 1300 885 749. Users need to have an American Express Corporate Card or American Express Business Card, an FX International Payments account and be registered to use AccessLine. A trade service fee applies on all AccessLine transactions.

3. With Flexible Payment Option, you will be charged interest if you do not pay your Closing Balance in full by the due date each month. Please refer to your monthly statements for the current interest rate and PDS for number of interest free days. Visit americanexpress.com/ au/business/credit-cards/membership-benefits/FPO for full Terms and Conditions.

4. Subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au.

5. A business must be a Qantas Business Rewards Member to earn Qantas Points for business. Membership and the earning of Qantas Points as a business are subject to the Qantas Business Rewards Terms and Conditions available at americanexpress.com.au/businesst&cs. Points are earned in accordance with and subject to the American Express Qantas Business Rewards Card Points Terms and Conditions. Your business will earn 1.25 Qantas Points per $1 of everyday spend, which does not include annual fees, late payment fee and fees and charges for foreign currencies. Your business will earn 0.5 Qantas Points per $1 spent at participating merchants classified as “utilities” including gas, water and electricity providers; “government” including the Australian Taxation Office, the Australian Postal Corporation, federal/ state and local government bodies; and “insurance” excluding insurances offered by American Express. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example, a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. Your business will earn 2 Qantas Points per $1 spent on the following Qantas Products and Services purchased on the Qantas merchant account (i.e. directly from Qantas): Qantas passenger flights (with a QF flight number), Qantas Holidays, Qantas Branded non-airfare products, and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar. For the full list of exclusions, please refer to the American Express® Qantas Business Rewards Card Points Terms and Conditions available at americanexpress.com.au/businesst&cs.

6. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of 12 months from the date of issue, unless otherwise stated. Normal retailer Gift Card Terms and Conditions apply. Gift Cards and Vouchers will be dispatched within 5 business days. Orders over $600 will be dispatched via Registered Post. Should you not receive your Gift Card or reward within the stated timeframe, you must advise American Express within 28 days from date of redemption. Terms and Conditions apply to all Membership Rewards redemption options and redemption is subject to availability. Subject to your Account being kept in good standing and not overdue. Minimum redemption amounts apply.

7. Points may be redeemed by the Basic Card Member for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Card Member’s other Accounts with American Express are not in good standing. The redemption of Points for Credit will be administered solely by American Express within three business days and cannot be reversed. Redeeming Points for Credit is not redeemable for cash via Credit balance refund.

8. Subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au. To transfer Membership Rewards points into an Airline or Frequent Guest Partner Program you must be a member of the Partner Program. Membership of the Partner Program is the Card Members responsibility and is subject to the Terms and Conditions of the applicable Program. A joining fee may apply. Award seats are not available on all routes. Please check availability with the Partner prior to transferring your points. Charges/ levies/taxes may apply. The redemption of points will be administered solely by American Express. A minimum transfer amount applies. Points transferred to Partner Airlines are not reversible and American Express holds no responsibility for flight or accommodation availability, which may be limited. This is at the sole discretion of the Airline and Hotel Partners.

9. American Express Card Insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (“Chubb”) and are subject to the Terms, Conditions and exclusions contained in the American Express Card insurances policy of insurance between American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313) (‘American Express’) of 12 Shelley Street, Sydney NSW 2000 and Chubb. The Insurance Terms and Conditions available at americanexpress.com.au/businesst&cs and business.americanexpress.com/au/customer-centre/get-started/corporateterms do not take into account your objectives, financial situation or needs. Terms and Conditions are subject to change. It is important for you to read the Terms and Conditions booklet available upon request from us and consider the appropriateness of that insurance in relation to your individual requirements.

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

11. Subject to the Terms and Conditions of the Membership Rewards program available at americanexpress.com/australia/membershiprewardsplatinum. Excludes government spend where you’ll earn 1 point per $1 spent Merchants classified as “government” include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example, a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. There may be tax implications associated with participation in the Membership Rewards program. You are advised to check with your accountant or tax adviser for further information.

12. Subject to the Terms and Conditions of the Membership Rewards program available at americanexpress.com/australia/membershiprewardsplatinum. To transfer Membership Rewards points into an Airline or Frequent Guest Partner Program you must be a member of the Partner Program. Membership of the Partner Program is the Card Member’s responsibility and is subject to the Terms and Conditions of the applicable Program. A joining fee may apply. Award seats are not available on all routes. Please check availability with the Partner prior to transferring your points. Charges/levies/taxes may apply. The redemption of points will be administered solely by American Express. A minimum transfer amount applies. Points transferred to Partner Airlines are not reversible and American Express holds no responsibility for flight or accommodation availability, which may be limited. This is at the sole discretion of the Airline and Hotel Partners.

13. Offer only available to new American Express Card Members. Card Members who currently hold or who have previously held any other Card product issued by American Express Australia Limited in the preceding 18-month period are ineligible for this offer. Previous and existing bank-issued American Express companion cardholders are eligible for this offer (cards issued by: Australia New Zealand Banking Group Limited, Commonwealth Bank of Australia, National Australia Bank, Westpac Banking Corporation). Subject to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au.

14. Extend your cash flow by up to 51 days: Depending upon when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your Account from your previous statement period.

15. A business must be a Qantas Business Rewards Member to earn Qantas Points for business. Membership and the earning of Qantas Points as a business are subject to the Qantas Business Rewards Terms and Conditions available at americanexpress.com.au/businesst&cs. Points are earned in accordance with and subject to the American Express® Qantas Business Rewards Card Points Terms and Conditions. Your business will earn 1.25 Qantas Points per $1 of everyday spend, which does not include annual fees, late payment fee and fees and charges for foreign currencies. Your business will earn 0.5 Qantas Points per $1 spent at participating merchants classified as “utilities” including gas, water and electricity providers; “government” including the Australian Taxation Office, the Australian Postal Corporation, federal/ state and local government bodies; and “insurance” excluding insurances offered by American Express. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example, a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. Your business will earn 2 Qantas Points per $1 spent on the following Qantas Products and Services purchased on the Qantas merchant account (i.e. directly from Qantas): Qantas passenger flights (with a QF flight number), Qantas Holidays, Qantas Branded non-airfare products, and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar. For the full list of exclusions, please refer to the American Express Qantas Business Rewards Card Points Terms and Conditions available at americanexpress.com.au/businesst&cs.

16. A business must be a Qantas Business Rewards Member to earn TRIPLE Qantas Points for business. The TRIPLE Qantas Points for business are only available for an American Express Qantas Card Member when the Card is used to make an eligible Qantas flight booking. An eligible flight means a domestic or international flight which has a Qantas ‘QF’ flight number on the ticket that is purchased in Australia; is operated by Qantas, Emirates or American Airlines; has a ticket number commencing with ‘081’; and is booked and travelled for business on or after the date the business registers for Qantas Business Rewards. Exclusions apply. TRIPLE Qantas Points for Business is not available in conjunction with any other rebate, Corporate Fares Agreement or discount arrangement with Qantas. A Member’s ABN and traveller’s Qantas Frequent Flyer number must be quoted at the time of booking to earn Qantas Points for both the business and the traveller. Qantas will allocate 3 times the number of Qantas Points to the business under the Qantas Business Rewards Airline Reward Scheme Terms and Conditions available at qantas.com/au/en/business-rewards/terms-and-conditions.html#airlineterms. The maximum number of Qantas Points that can be earned from flying by a business with the American Express Qantas Business Rewards Card is 4,000,000 per membership year as per the TRIPLE Qantas Points for business benefit Terms and Conditions available at americanexpress.com.au/businesst&cs.

17. Provided you are a Qantas Frequent Flyer member and have registered your Qantas Frequent Flyer number with your American Express® Qantas Business Rewards Card, you are eligible to receive two Qantas Club Lounge Invitations each anniversary year of your Card Membership once you make an Eligible Qantas Purchase on your American Express Card during that year. Eligible Qantas Purchases are Qantas passenger airfares with a QF flight number purchased directly from Qantas Australia by you (or on your behalf by a travel agent) that appear on your Card statement, Qantas Frequent Flyer, Qantas Business Rewards or Qantas Club membership, joining or annual fees. Excludes purchases from Jetstar. Within 1-2 weeks of the Eligible Qantas Purchase, two Qantas Club Lounge Invitations will be assigned to your Qantas Frequent Flyer account. Visit the Complimentary Invitations Portal at www.qantas.com/au/en/frequent-flyer/the-qantas-club/complimentary-invitations.html to access your invitation, link it with an eligible Qantas flight booking or find out more information. Qantas Club Lounge Invitations are valid for a single visit by one guest to a Qantas Club Lounge and must be used prior to their expiry. Invitations are subject to the Qantas Club Terms and Conditions available at qantas.com/travel/ airlines/Qantas-club-terms-conditions/global/en and are not valid for Qantas International First Class Lounges, the Qantas Chairman’s Lounge, Qantas Domestic Business and or oneworld® alliance partner or associated lounges. Qantas Club Invitations cannot be carried forward to any subsequent year and must not be sold, they may only be transferred as allowed by Qantas. Invitations may be revoked or withheld if your American Express® Qantas Business Rewards Card Account is not in good standing, if the Eligible Qantas Purchase is refunded in full or if you have not complied with these Qantas Club Invitation Conditions, the Credit Card Terms and Conditions available at americanexpress.com.au/businesst&cs or the Qantas Club Lounge Access Terms and Conditions available at qantas.com/travel/airlines/Qantas-club-terms-conditions/global/en.

18. Subject to the Terms and Conditions of the Corporate Membership Rewards program available at www.americanexpress.com.au/corporatemr. Corporate Membership Rewards enrolment required (an annual fee applies but is waived for American Express Corporate Platinum Card Members). Enrolment in the program is not automatic. Merchants classified as “government” include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example, a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. There may be tax implications associated with your participation in the Membership Rewards program. You are advised to check with your accountant or tax adviser for further information.

19. Platinum Concierge Services: There is typically no cost to you for most efforts Concierge consultants perform on your behalf, although you are responsible for any purchases and/or shipping charges you authorise. Fees may apply for meetings and event planning. We reserve the right to note profile and preference data for servicing purposes.

20. Membership Rewards Ascent: To transfer Membership Rewards points into an Airline Rewards or Frequent Guest Partner Program you must be enrolled in Membership Rewards Ascent and be a member of the Partner Program. Membership of the Partner Program is the Card Member’s responsibility and is subject to the Terms and Conditions of the applicable Program. A joining fee may apply.

21. Membership Rewards Spirit program: Subject to the Terms and Conditions of the Membership Rewards program. Your Company must allow participation in Membership Rewards. An annual fee applies but is waived for American Express® Qantas Corporate Platinum Card Members. You will earn 2 points for every $1 spent on all spend except government where you will earn 1 point for every $1 spent. Merchants classified as “government” include the Australian Taxation Office, the Australian Postal Corporation, Federal/State and Local government bodies. Industry specific earn rate may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example, a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points. The redemption of Qantas Points is subject to the Qantas Frequent Flyer program Terms and Conditions available at qantas.com/terms. A joining fee may apply. There may be tax implications associated with participation in the Membership Rewards program. You are advised to check with your accountant or tax adviser for further information.

22. Client must be a Qantas Business Rewards Program member to earn TRIPLE Qantas Points for business. The TRIPLE Qantas Points for business benefit is available only for an American Express Qantas Corporate Card Member when the Card is used to make an eligible Qantas flight booking, as per the eligibility defined at qantasbusinessrewards.com/terms. A one-off joining fee of $89.50 usually applies, however this will be waived for any business that has an existing American Express Qantas Corporate Card. A Member’s ABN and traveller’s Qantas Frequent Flyer number must be quoted at the time of booking to earn Qantas Points for both the business and the traveller. Qantas will allocate TRIPLE the number of Qantas Points which will be awarded to the business under the Qantas Business Rewards Airline Reward Scheme Terms and Conditions available at: qantasbusinessrewards.com/terms#airlineterms. Qantas Points earning thresholds apply as per the TRIPLE Qantas Points for business benefit Terms and Conditions at amex.com.au/qantaspa. Membership of Qantas Business Rewards and the earning of Qantas Points as a business are subject to the Qantas Business Rewards Terms and Conditions available at qantasbusinessrewards.com/terms.

23. Qantas Club Membership: A choice of one Qantas Club membership is available for Qantas Corporate Platinum Card Members, or an individual nominated by the Card Member in accordance with the Terms and Conditions set out below, each Membership Year and must be redeemed before the end of the Membership Year in which the Card Member became entitled. Qantas Club membership is subject to the Qantas Club Membership Terms and Conditions, available at www.qantas.com/qantasclubterms. Subject to Qantas Club, Partner airlines and associated lounges conditions of entry. See www.qantas.com/loungeaccess. Qantas Domestic Economy Return Flight: A choice of one Domestic Economy class return flight is available for Card Members, or an individual nominated by the Card Member to redeem, on the Terms and Conditions set out below, and in accordance with Qantas’ Conditions of Carriage (which apply to all Qantas passengers). The benefit is available to choose each 12-month period that the Card Member maintains a Card relationship with American Express (each a “Membership Year”) and must be redeemed before the end of the relevant Membership Year. The flight must be booked and ticketed before the end of the Membership Year in which the Card Member became entitled to the domestic flight. Redemption of the domestic flight cannot be carried forward to any subsequent Membership Year and cannot be exchanged for cash. Reservations must be made through the American Express Platinum Travel Service by calling 1800 621 524 and selecting option 1. Qantas and American Express reserve the right to change the domestic flight offer Terms and Conditions or the offer of flights from time to time without notice, including but not limited to the right to charge fees or to stop offering flights. Route availability is subject to change without notice. Availability of these seats is limited, and seats may not be available on all flights 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. Only specified routes are included within the offer. All travel is subject to the Domestic Flight Offer Conditions, Qantas Fare Conditions and Qantas Conditions of Carriage. No Qantas Frequent Flyer points will be awarded for travel on these flights.

24. American Express Card Insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (“Chubb”) and are subject to the Terms, Conditions and exclusions contained in the American Express Card insurances policy of insurance between American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313) (‘American Express’) of 12 Shelley Street, Sydney NSW 2000 and Chubb. The Insurance Terms and Conditions available at business.americanexpress.com/au/customer-centre/get-started/corporateterms do not take into account your objectives, financial situation or needs. Terms and Conditions are subject to change. It is important for you to read the Terms and Conditions booklet available upon request from us and consider the appropriateness of that insurance in relation to your individual requirements.

25. Priority Pass: Your Priority Pass benefit will be limited to lounge access only. Non-lounge airport experiences in the form of food and beverage credits at restaurants, cafes and bars will no longer be available. From this date, to continue to enjoy access to over 1,200 lounges in 130 countries, please visit prioritypass.com and log in for a list of available lounges. These Terms and Conditions govern Platinum Card Members’ participation in and use of the Priority Pass™ program. Priority Pass is an independent airport lounge access program. At any visit to a Priority Pass lounge, you will be automatically charged the guest visit fee equal to the visit fee of the Priority Pass Standard program for each guest. By enrolling in Priority Pass, you agree that you will be responsible for any additional accompanying guest visits and that your Card will be automatically charged after you have signed for the additional guest visit and it has been reported to Priority Pass by the participating lounge. Additionally, you acknowledge and agree that American Express will verify your Card Account number and provide updated Card Account information to Priority Pass. Priority Pass will use this information to fulfil on the Priority Pass program and may use this information for communications related to the program. The Card Member must enrol into Priority Pass. Once enrolled, Platinum Card Members in good standing may access participating Priority Pass lounges by presenting their Priority Pass card and airline boarding pass. In some lounges, the Priority Pass member must be 21 years of age to enter without a parent or guardian. Priority Pass members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package and can be viewed at prioritypass.com Upon receipt of your enrolment information, Priority Pass will send your Priority Pass card and membership package, which you should receive within 4–6 weeks.