Personal Investor




General Details
Institution: American Express
Contact Number: 1300 132 639
Product Name: Gold Credit Card
Apply: n/a

Product Details
Card Type: American Express
Status Level: Gold
Account Type: Credit
Purchase Rate: 15.99%
Cash Advance Rate: 15.99%
Intro Rate: -
Intro Term: -
Balance Transfer: 6.99
Free Days: 55
Min Repayment: 3

Fees
Annual Card Fee: $70.00
Annual Rewards Fee: -
Late Payment Fee: $30.00
Duplicate Statement Fee: $10.00
Trans Verification Fee: $7.00
Reinstatement Fee: -
Over Limit Fee: $30.00
Over Limit Fee Charged When Over:
OS ATM Fee Balance: -
OS ATM Fee Withdrawal: $1.25
OS Emergency Card Fee: -
Interest Charged From: PurchaseDate
Annual Fee Waiver: Yes, if $18,000 is spent.



Features
Overseas ATM Availability: Cirrus, Maestro, Other
Interest Paid On Credit Balance:
Purchase Insurance:
Auto Travel Insurance: false
Loan Application Fee Discount:
Comments: The fee is FREE for the first year. And in each subsequent year, if you spend over $18,000 p.a. the fee will be waived

Rewards
Rewards Program Avail:
Program Name: Membership Rewards Ascent OR Membership Rewards Ch
Program Partners: Refer below for domestic & international frequent flyer program partners (available for Membership Rewards Ascent Only). Use points to book travel instantly through Travelscene American Express. Accommodation partners include: Sofitel, Novotel, All Seasons Hotels Best Western, Choice Hotels, Clarion Hotels, Comfort Hotels, Conrad Jupiters, Conrad Treasury, Crown Promenade, Crown Towers, Four Points by Sheraton, Grand Mecure Hotels & Apartments, Hayman, Hilton, Ibis Hotels, Mecure Hotels & Resorts, Mirvac Hotels & Resorts, Novotel Hotels & Resorts, Peppers Hotels & Resorts, Quality Hotels, Radisson Hotels & Resorts, Sheraton, Sofitel Hotels & Resorts, Stamford Hotels & Resorts and Westin.. Car rentals with Avis and Hertz. Gift Card partners include: Angus & Coote Jewellers, Bob Jane T-Marts, Borders, BP, Bunnings, Coles, Country Road, David Jones, Domayne, Flower Power, Freedom, Harvey Norman, Myer, Officeworks, Rebel Sport, Red Balloon Days, Sanity, Simon Johnson, Syd Airport Tax & Duty Free/FIRST Tax & Duty Free, Target andVintage Cellars and Premium gift card partners include: Bally, Canturi Jewels, Collette Dinnigan, Escada, Evelyn Miles, Hugo Boss, Max Mara, Montblanc, Space and Tiffany & Co. Dining Partners include: Aria, Otto Ristorante, Quay and Taxi Dining Room. Plus an extensive range of products from brands including Apple, Filofax, JVC, Lonely Planet, Nike, Panasonic, Royal Doulton, Samsonite and Sony, to name a few and unique experiences from Total Experience.
Points per Dollar: 1.00
Bonus Points Avail:
Bonus Point Partners: Earn Bonus Points with the following Bonus Partners: Avis, Bob Jane T-Marts, BreakFree, Clarion, Quality and Comfort Hotels, Mantra Hotels, Resorts and Apartments, Peppers Retreats, Resorts and Hotels, Travel and Leisure Magazine,
Number of Bonus Points: -
Lifetime of Points (mths): -
Conditions: Points don’t expire as long as Card account is current.



Frequent Flyers
Conversion to Frequent Flyers:
Rewards to Frequent Flyer Ratio:
Domestic Airlines: Qantas Frequent Flyer & Virgin Blue Velocity
International Airlines: Virgin Atlantic Flying Club, Asia Miles, Singapore Airlines KrisFlyer, Thai Airways Royal Orchid Plus and Malaysia Airlines Enrich and Qantas Frequent Flyer.