American Express Gold Ascent Credit Card Application

Terms and Conditions

Applicants must be 18 years of age or over and earn a minimum income of $40,000 p.a. to apply for a Gold Ascent Credit Card. American Express 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 is correct as at 12 September 2011 and is subject to change. Cards are offered, issued and administered by American Express Australia Limited (ABN 92 108 952 085) ®Registered trademark of American Express Company. Enrolment in Membership Rewards Ascent is complimentary for Gold Ascent Card Members who apply using the online application form for this promotion. If you choose to select the "Boost my points (A)" option on the Card application form, an $80 annual fee will apply to your Membership Rewards Ascent program. Subject to the Terms and Conditions of the Membership Rewards program. Subject to hotel, car and airline availability. To transfer Membership Rewards points into an airline rewards or frequent guest partner program you must be a member of the partner program. Membership of the partner program is the Cardmember's responsibility and is subject to the terms and conditions of the applicable program. A joining fee may apply. Subject to the Terms and Conditions of the Membership Rewards program. American Express International, Inc. (ABN 15 000 618 208). Incorporated with limited liability in Delaware, USA. Licensed Travel Agent, 12 Shelley Street, Sydney NSW. Licence No. NSW 2TA000113, VIC 30233, QLD TAG132, WA 9TA81, SA-TTA30, TAS-TAS064, ACT 212/D By providing your email address on the Card application form you understand that you have agreed to receive electronic online statements and account information from us. These communications will include notification of online statements and may also include product updates and other important information related to your account. You will be notified at your nominated email address when your statement is available to view. By agreeing to receive statements online, you understand you will not receive your statements by mail. You can elect to change this nomination or your email address at any time by notifying us on 1300 363 687. Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges. The number of actual interest-free days depends upon when you make a purchase, when your statement is issued, whether or not you are carrying forward a balance on your account from your previous statement period. There are no interest free days on cash advances. As long as your account remains current and in good standing. The 0% p.a. introductory promotional interest rate is only available on new purchases only after your application is approved. New purchases made in the subsequent six month period from/after the first purchase on your Card will be subject to the promotional interest rate. After the six month introductory period, the interest rate for purchases will revert to the prevailing interest rate at that time. Any balances transferred from your existing American Express Card and any cash advances are excluded from the 0% p.a. introductory promotional interest rate. Interest rates are current as at 12 September 2011 and subject to change, including charges under our Interest Rate Policy.