
American Express provides NZMA members and NZ doctors with Credit Cards that go beyond the usual range of benefits. The Cards offered here recognise your need to streamline the financial side of life by keeping everyday and travel spending convenient, straightforward and rewarding. Each of them delivers advantages that are only available to NZMA members and NZ doctors.
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Choice of Gold or Platinum Credit Cards
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Access to New Zealand's best rewards programme1 -- American Express Membership Rewards®2
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Spend $7000 or more per annum on your NZMA Gold Credit Card, and the fee is waived3
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Low interest rate for balance transfers
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No annual card fee for Additional and Supplementary Cards

Membership Rewards
Everyday spending that leads to rewards
Which card is right for you?
Questions you might want to ask

Features and Benefits at a glance
Your everyday spending can be very rewarding
American Express is now accepted at more places than ever before, both locally and around the world. That means it's easier for you to use your Card for everyday purchases, from groceries and petrol to paying your monthly bills. And each time you use your Card, you're earning points with Membership Rewards - New Zealand's best rewards programme1 .

Questions you might want to ask
What is Membership
Rewards?
With access to the Membership Rewards Programme every $1 you spend on
your Card earns you 1 Membership Rewards point towards a fantastic range of
rewards.
What is Turbo?
Enrol in Turbo to earn 2 points for every $1 you
spend. Whether it’s flights, luxury accommodation, electronics, vouchers, wine,
quality homewares or whatever you may have your heart set on Turbo will get you
there twice as fast. To view the full range of rewards and benefits of the
Programme visit
www.americanexpress.co.nz/rewards
What is Membership Rewards direct ticket?
Membership Rewards direct ticket is your
travel service with Membership Rewards points. You can book travel to virtually
anywhere in the world without needing to be a member of a frequent flyer
programme, and pay using Membership Rewards points or a combination of points
plus payment on your Card.
Booking is as easy as calling 0800 44 22 08 or visiting your local Holiday Shoppe. For more information visit www.americanexpress.co.nz/directticket
How can I redeem Membership Rewards
points?
Redeeming Membership Rewards points is easy. Redeem for merchandise rewards and
shopping vouchers by logging on to
www.americanexpress.co.nz/rewards or calling 0800 44 22 08. To book travel
using points, call the Membership Rewards direct ticket team on 0800 44 22 08 or
visit your local Holiday Shoppe.
How does the Balance
Transfer Interest Rate work?
You'll pay a low interest rate until paid in full on the transferred balance.
This is likely to be much lower than the interest rate on your other credit
card. Your monthly payments will first repay the balance you have transferred
before reducing other outstanding amounts, such as new purchases.
What is a Supplementary Card?
Supplementary
Cards allow you to extend the benefits of your Credit Card to people close to
you, such as your partner, children or parents. A Supplementary Card carries the
individual's name, but charges will be billed to your Card Account under that
name. Membership Rewards points earned with a Supplementary Card will be
credited to you.
What is an Additional
Card?
An Additional Card
can help make managing your expenses a breeze. For example, use your main Card
for personal purchasing and your Additional Card for household expenditure. At
the end of the month, your expenditure is separated for quick reconciliation.
What are my payment
options?
You can pay your American Express NZMA Credit Card Account by Direct Debit,
which will automatically debit your nominated bank account.
Other options include: telephone or internet banking, payment by cheque or cash through any New Zealand Post Shop.

