--- title: "American Express® Gold Card — American Express" description: "Credit & Charge Cards from American Express. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/american-express/products/8c378df3-bb99-4271-85cd-ad7d29385418 source: "CDR Compare" language: en-AU last_updated: 2026-07-08T02:30:00.000Z --- # American Express® Gold Card — American Express > Credit & Charge Cards from American Express. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Credit & Charge Cards** Charge Card with Membership Rewards and travel benefits. ## At a glance - **Annual fee:** $130.00 ## Fees | Fee | Type | Amount | | --- | --- | --- | | Annual Fee — Charged yearly | Ongoing | $130.00 | | Additional Card Fee — Charged yearly · Applies to all 99 Additional Cards | Ongoing | $65.00 | | Late Payment Fee — When you do not pay the amount due by the due date as shown on your statement. · Three percent (3%) or $20, whichever is greater, will be charged on any overdue amount. | Event | 3% of balance | | Currency Conversion Fee — 3.5% of the converted amount. Payable when any charge is processed in a currency other than Australian dollars. | Purchase | 3.5% of transaction | | Dishonour Fee — $6 for each dishonour or debit rejection. Payable if there aren’t enough funds in your nominated account to pay the Card Account or if the whole or part of a payment by direct debit is rejected. | Event | $6.00 | | Over The Counter Fee — $3 Payable if you pay your Card Account in person at Australia Post by EFTPOS. | Payment | $3.00 | | Record of Charge Fee — Payable if you or an Additional Card Member requests a copy of an individual charge. $7 for charges in Australia, $10 for other charges | Event | $7.00 | | Additional Statement Fee — Payable if you or an Additional Card Member requests an additional posted monthly paper statement. You may access statements free of charge through your online Account. | Event | $10.00 | ## Features - **Additional cards** — up to 99 ($65 annual Additional Card fee per Card for up to 99 Cards.) - **Bill payment (BPAY)** — Ways to pay your bill - **Digital banking** — Amex App (The Amex App lets you quickly and easily manage your Card Account anytime, anywhere.) - **Digital wallet** — Apple Pay - **Digital wallet** — Google Pay - **Digital wallet** — Samsung Pay - **Fraud protection** — Fraud Protection Guarantee, protecting you from unauthorised charges made on your Account. - **Insurance included** — Complimentary Travel Insurance (Terms, conditions, cover limits and exclusions apply.) - **Insurance included** — Card Purchase Cover (Will keep your protected with cover should your eligible items be stolen or damaged. Item must be stolen or broken within 90 days of purchase. You’re covered for up to $20,000 per year and $2,500 per claim with a $50 excess per claim. Terms, conditions and exclusions apply.) - **Insurance included** — Card Refund Cover (Is available should a store refuse to accept the return of an eligible item. Must be within 90 days of purchase. You’re covered for up to $2,000 per year and $500 per claim, with no excess Terms, conditions and exclusions apply.) - **Insurance included** — Buyer’s Advantage Cover (Extends your manufacturer's warranty by up to 12 months on eligible items purchased with your Card. You're covered for up to $10,000 per year on eligible items within the Buyer's Advantage period) - **Loyalty program** — Membership Rewards (1.5 points per $1 spent on all purchases, excluding government bodies.) - **Notifications** — Payment due reminder - **Notifications** — Spend tracking notification - **Notifications** — Payment received alert - **Whether it's shopping, dining, travel or entertainment, eligible Card Members can access Amex Offers providing statement credits or bonus points. Amex Offers must be saved to the Card and used for qualifying spend, subject to offer-specific criteria, to receive a benefit.** — Amex Offers - **Get pre-sale tickets and access to some of your favourite events, and enjoy the Amex Entertainment Lounge before the show at select venues. With Amex, you can dive into unforgettable experiences.** — American Express Experiences - **Up to 44 days to pay for purchases.** — Cashflow Days - **Receive up to US $100 hotel credit and room upgrade (when available) at selected hotels in The Hotel Collection when you book two consecutive nights’ stay through American Express Travel. Subject to availability and eligibility criteria.** — The Hotel Collection - **Card Members receive complimentary Hilton Honors Silver status.** — Hilton Honors Silver Status - **Your Gold Card has flexible spending power, also known as no pre-set spending limit, because it is a Charge Card** — Flexible Spending Power ## Eligibility - **Minimum age** — 18 years - **Residency status** — You are an Australian citizen or permanent resident or hold a long term visa. (Long term visa means 12 months or more and does not include a student visa.) - **Additional Cards are available for any friend or family member 16 years and over.** - **Available only to existing American Express Card Members who transfer from an eligible American Express Card product. This product is not available for new applications.** - **Individuals only** - **Applications are assessed based on the information provided and are subject to credit approval.** ## More information from American Express - [Overview](https://www.americanexpress.com/au/credit-cards/membership-benefits/the-gold-card/) - [Terms & conditions](https://www.americanexpress.com/au/credit-cards/membership-benefits/the-gold-card/) ## Data provenance - Published by American Express under the Consumer Data Right - Product ID: `8c378df3-bb99-4271-85cd-ad7d29385418` - Last updated by the provider: 8 July 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/american-express/8c378df3-bb99-4271-85cd-ad7d29385418 - Provider page: https://www.cdrcompare.au/brands/american-express --- Source: [CDR Compare](https://www.cdrcompare.au/brands/american-express/products/8c378df3-bb99-4271-85cd-ad7d29385418) — product data published by Australian data holders under the Consumer Data Right. 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