American Express® Gold Card
Charge Card with Membership Rewards and travel benefits.
- 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 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 |
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.
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
Published by American Express under the Consumer Data Right · Last updated 8 July 2026 · Product ID 8c378df3-bb99-4271-85cd-ad7d29385418