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The American Express® Platinum Edge Credit Card

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Earn higher rewards on everyday spending at select supermarkets and petrol stations

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Terms And Conditions

New Card Member Offer

Enjoy $0 Annual Card Fee (usually $195) in the first year

when you apply online, and are approved. T&Cs apply. New American Express Card Members only1. Offer subject to change without notice.

New Card Member Offer

Enjoy $0 Annual Card Fee (usually $195) in the first year

when you apply online, and are approved. T&Cs apply. New American Express Card Members only1. Offer subject to change without notice.

Key Information

Card Type

Credit Card

Annual Fee

$0 Annual Card Fee in the first year, saving you $1951

Interest Rate

23.99% p.a. on purchases2

Interest Free Period

Up to 55 days3

How To Earn Membership Rewards Points

3 points per $1 spent at major supermarkets and petrol stations4

3 points per $1 spent

at major supermarkets and petrol stations4

2 points per $1 spent on purchases in a foreign currency when overseas and online4

2 points per $1 spent

on purchases in a foreign currency when overseas and online4

1 point per $1 spent on all other purchases4

1 point per $1 spent

on all other purchases4

Key Benefits

$200 to spend on travel each year

Receive $200 to spend on eligible domestic and international flights, hotels or car hire with American Express Travel5

Smartphone front screen cover

Covering up to $500 for repairs if you break your front screen when you pay for your phone outright or monthly bill with your American Express Platinum Edge Credit Card

Additional Cards at no extra cost

Share the benefits of Membership with up to 4 Additional Cards for family members or friends, at no extra fee7

All Benefits

Rewards

How You Earn Membership Rewards Points

Earn Membership Rewards points on every dollar you spend on your Card and see how quickly they can add up:

Earn 3 points per $1 spent at major supermarkets including Woolworths, Coles, Harris Farm Markets, IGA, Bi-Lo, Macro Wholefoods, Safeway, Supabarn, Thomas Dux, Fishers, Food For Less, and Fresh Provisions4
Earn 3 points per $1 at major petrol stations including Ampol, BP, Caltex Woolworths, Woolworths Petrol, 7 Eleven, Shell, Gull, Metro, Peak, Safeway Petrol, and United4
Boost your points balance with Additional Cards for family and friends. Add up to 4 Cards at no additional fee, and the points earned will be credited to your Account7

Choose Your RewardsInformation button icon

You can redeem points several ways:

Transfer your points to over 10 major partners across Airline8, Hotel & Retail.
Book travel with points online at American Express Travel9
Redeem points for Digital Gift Cards10 from leading retailers Information button icon
Use points to pay for eligible charges on your Account using Cover Charges with Points14

Service and Protection

Shop and travel the world with confidence

Shop and travel the world with confidence knowing that we have your back with these great benefits when you pay for eligible items with your Card:

Buyer’s Advantage Cover6, extending the manufacturers' warranty on eligible items purchased with your Card by up to 12 monthsInformation button icon
Card Purchase Cover6, covering eligible items purchased with your CardInformation button icon
Card Refund Cover6, covering the cost of eligible items when a store refuses a returnInformation button icon
Fraud Protection Guarantee11, protecting you from unauthorised charges made on your AccountInformation button icon
Emergency Card replacement12, for lost or stolen Cards virtually anywhere in the world
Compatibility with Apple Pay, Samsung Pay and Google Pay
Plan It™ Instalments13 is a new feature of your Card that offers you a flexible way to pay off a portion your Credit Card balance in equal monthly instalments, with no interest and a fixed monthly fee.

Travel Benefits

$200 Travel Credit each year

Receive $200 to spend on domestic or international travel each year when you make a booking of $200 or more on eligible flights, hotels or car hire and more with American Express Travel Online5.
Learn more about the Travel Credit here.

Complimentary Travel Insurance

Travel with domestic and international insurance6 for you, your partner and your dependent children, when you pay for your return trip on your Card. Some of the covers included are:

- Trip Cancellation and Amendment Cover
- Travel Inconvenience Cover
- Public Transport Accident Cover
- Personal Baggage, Valuables, Money and Travel Documents Cover
- Medical Emergency Expenses Cover
- Personal Accident Cover

Sub-limits apply. Please refer to the ‘Schedule of Benefits’ section of the Insurance Terms and Conditions for full details.

Terms, conditions, cover limits and exclusions apply (such as maximum age limits and pre-existing medical condition exclusions).

Eligibility

To apply for The Platinum Edge Credit Card you need to:

Be aged 18 years or over
Be an Australian citizen, permanent resident or hold a long term visaInformation button icon
Have a good credit history and no payment defaults

Documentation

Documents and information to have ready:

Australian Driver’s Licence number (if you have one)
Details of your income, expenses and debts
Proof of income (e.g, payslips)

Please click here to read the Key Facts Sheet for this Credit Card.

Platinum Edge Card FAQs

What is the Annual Card Fee for the Amex Platinum Edge Card?
How is the limit on the Amex Platinum Edge Card determined?
How can I use the Platinum Edge Credit Card $200 Travel Credit?
How can I earn reward points on my everyday purchases with the Amex Platinum Edge Card?
How can I use Amex Membership Rewards® points on the Amex Platinum Edge Card?
What are the benefits of the Amex Platinum Edge Card?

Important Information

Applying takes less than 10 minutes, and you could receive a response within 60 seconds

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The American Express® Platinum Edge Credit Card

Cards are offered, issued, and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit Licence No. 291313.

American Express income and 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, including fees, charges and interest rates are correct as at 6 November 2024 and are subject to change. Applicants must be 18 years of age or over to apply for the American Express Platinum Edge Credit Card. They must be an Australian Citizen or permanent resident or hold a long term visa. Long term means 12 months or more and does not include a student visa.

Bonus & Eligibility.
Offer only available to new American Express Card Members who apply online, are approved. The American Express® Platinum Edge Credit Card will have a $0 introductory annual Card fee for the first year of Card Membership. All Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. Offer subject to change without notice.
Interest Rate.
This interest rate does not apply for Cash Advances and associated fees.
Interest Free Period.
You will have up to 55 days interest free on purchases provided you pay the full closing balance of your monthly statement by the due date each month. There is no interest free period on balance transfers or if you carry forward a balance from the previous statement period. The total of interest free days will depend on when you make the purchase and when your statement is issued.
Membership Rewards Program.
Subject to the Terms and Conditions of the Membership Rewards program available here. The following merchants have been classified as major supermarkets: Bi-Lo, Coles, Fishers, Food For Less, Fresh Provisions, Harris Farm Markets, IGA, Macro Wholefoods, Safeway, Supabarn, Thomas Dux, Woolworths. The following merchants have been classified as major petrol stations: Ampol, BP, Caltex, Gull, Metro, Peak, Safeway Petrol, Shell, United, Woolworths Petrol, 7 Eleven.
Exceptions may apply if an individual merchant trading as one of the above named retailers does not accept American Express as a form of payment.
Purchases at major supermarket & major petrol station retailers are only eligible for additional points if the transactions are made in Australia.
Certain transactions will earn 2 points per dollar spent, including the use of foreign currency overseas and overseas online payments. Additional points for major supermakets, petrol stations and foreign currency may not apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to a major supermarket processed through a payment aggregator may not earn the additional points.
Travel Credit.
If your Card has a Travel Credit benefit, the Primary Card Member is eligible for an annual Travel Credit, subject to the full Travel Credit Terms and Conditions at amex.com.au/platinumedge-travelcreditterms. The Travel Credit can be redeemed through American Express Travel Online on a single eligible travel booking by selecting the Travel Credit when you checkout. To redeem the Travel Credit, the full value of the Travel Credit (or more) must be charged to the eligible Primary Card. Eligible travel includes flights, hotels and car hire when you prepay in advance. The Travel Credit can be used for 365 days from the benefit anniversary date and cannot be used past the expiration date. To check the expiration date of your Travel Credit if you have not already redeemed it, please visit americanexpress.com.au/travel; log in and click ‘Travel Credit’. If your booking is cancelled, and your Travel Credit has already been used and associated statement credit applied to your account, you will forfeit your annual Travel Credit benefit and American Express may reverse the statement credits issued. You need to be able to spend on the Card to access the Travel Credit benefit and it should be credited to your Card Account within 3 business days but may take up to 30 days. Your account must be in good standing and you must have paid the annual fee and minimum payment by the due date. If you cancel your Card, change your rewards program or Card type, you will no longer be eligible for the Travel Credit.
Platinum Edge Card Insurance.
The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Platinum Edge Credit Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Platinum Edge Credit Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs. This insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy of insurance held by American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313). Access to this insurance is provided solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). Card Members are not a party to the group policy, do not have an agreement with Chubb and cannot vary or cancel the cover. American Express is not the insurer, does not guarantee or hold the rights under the group policy on trust for Card Members and does not act on behalf of Chubb or as its agent. American Express is not an Authorised Representative (under the Corporations Act 2001 (Cth)) of Chubb.
Additional Card Members.
Additional Card Members must be 16 years of age or over. The Primary Card Member will be liable to pay for all transactions made by Additional Card Members. Earning of points is subject to the terms and conditions of the Rewards Program the Primary Card Member is actively enrolled. All points earned on Additional Card Member spend will go to the Primary Card Members Account. The Primary Card Member cannot add an Additional Card under their own name or email address and cannot add an Additional card under the name or email address of a previously approved Additional Card application on the Account.
Transfer Points to Partners
To redeem points at any Partner Program you must be a member of the applicable Program. Enrolment in such Programs is solely your responsibility and fees may apply. The minimum requirement and transfer rate varies. Subject to the Membership Rewards Terms and Conditions.
American Express Travel Online:
To earn or redeem Membership Rewards Points, Cards must be enrolled to the American Express Membership Rewards program, and your Card Account must be in good standing. To redeem Membership Rewards Points with American Express Travel Online, you need to have available limit on your Card for the full transaction amount of the booking. You will then receive a statement credit within 3 business days for your points redemption. If the credit isn’t on the same statement as the transaction, it should appear on your next statement. Please pay all amounts due each month. You will earn Membership Rewards Points on the full dollar amount charged to your Card. All bookings are subject to the terms and conditions of our Membership Rewards Program.
Gift Cards
Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of minimum 3 years from the date of issue, unless otherwise stated. We are not responsible if any Gift Card is lost, stolen, or destroyed, or the Gift Card is used without your permission. Membership Reward terms and conditions apply. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details.
Fraud Protection Guarantee.
Provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.
Emergency Card Replacement.
If your Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In Australia, call us on 1300 363 687. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office. Once you have notified us, you will not be liable for any unauthorised charges.
Plan ItTM
You can create an Instalment Plan as long as your account is in good standing. We may limit the amount that can be transferred to an Instalment Plan. Each Instalment Plan will begin from the date it is successfully created, as communicated to you in your Online Account. Payment of your first Monthly Instalment will be due in your next payment cycle. You will be charged a Monthly Plan Fee for each Instalment Plan created. This fee will be charged each month your Instalment Plan is active and will be notified to you before you create the Instalment Plan. View the full Plan It Instalments Terms and Conditions here.
Cover Charges with Points
For each successful transaction with Cover Charges with Points, points will be debited from your Membership Rewards account and a credit placed on your Card in line with the points chosen to be used for the Eligible Charge. A minimum of 1,000 Membership Rewards points is required to cover any eligible transaction with points. Any credit to your Card account cannot exceed the amount of the relevant Eligible Charges. A credit will appear on your statement identified as “Membership Rewards Credit”. Points will be debited immediately and the credit will take up to 3 business days to appear online. Credits processed after the Card account’s statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card account by the due date. Any charges covered by points is not redeemable for cash via Credit balance refund. American Express will select and display each eligible charge that can be covered with points (“Eligible Charge”) and the points rate required to cover the Eligible Charge. Each Eligible Charge must: (a) appear within the Online Statement of the Summary of Accounts page; (b) be redeemed within 2 months of the charge appearing on your Card account; (c) not currently or have previously been disputed; and (d) not be a fee. Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any time without notice. Eligible transactions can be covered by points via your online account or American Express mobile app. Covering charges with points is available only to Basic Cardmembers enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing. For more information on Cover Charges with Points click here..
Pay with Points
You may use Points to make purchases at certain retailers listed on our website. You need to indicate at the time of purchase that you wish to Pay with Points. Individual retailers provide specific delivery and refund polices. Refund policies for Pay with Points retail Partners are subject to the Terms and Conditions of the retail Partner. The retailers’ conditions and refund policies may be amended by the retailers from time to time.

Source: https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit_Card_Conditions.pdf

American Express Australia Limited (ABN 92 108 952 085) Australian Credit Licence and AFS Licence No. 291313 ® Registered Trademark of American Express Company Credit Card Conditions, Card Member Privacy Statement, Information Statement, Credit Guide and Financial Services Guide 15 September 2026

Postal Address American Express Australia Limited Card Member Services GPO Box 1582 Sydney NSW 2001 Lost or Stolen Cards in Australia Telephone: 1300 132 639 For Platinum Credit Card – Telephone: 1800 059 388 Overseas Report your loss or theft to the nearest American Express Travel Service location or call collect (reverse charges) to Australia +61 2 9271 8666 For Platinum Credit Card – Call operator-assisted international collect on +61 2 9271 4011 Account Enquiries Telephone: 1300 132 639 (in Australia) Internet: americanexpress.com.au

3 - Contents

Credit Card Conditions 4
American Express Card Member Privacy Statement 21
Information Statement 32
American Express’ Credit Guide 36
Financial Services Guide 38

4 - Credit Card Conditions American Express Credit Card Conditions – 15 September 2026

Introduction About your Agreement These Credit Card Conditions along with your Financial Table make up the agreement for your Account with us (this Agreement ). By activating your Card or using your Account, you agree to this Agreement which replaces any previous agreement for your Account. Signed for American Express: American Express Definitions we use in this Agreement Words we use in this Agreement: You and your means the person who applied for this Account and for whom we opened the Account. References to you and your also include actions taken by Additional Card Members, but Additional Card Members do not have any direct contractual obligations to us under this Agreement. • We , us and our means American Express Australia Limited (ABN 92 108 952 085, Australian Credit Licence 291313). • Account means the account we maintain in relation to Cards in your name to which we may add Charges. • Balance Transfer means the balance that you owed to another lender that has been paid by us on your behalf and added to your Account. • Card means any card, token, application or other thing we make available for the purpose of accessing your Account. • Cash Advance means any cash advance from an ATM or any other types of Charges which we notify you will be treated as equivalent to cash, including fees and interest relating to these. • Charge means any amount added to your Account, such as Purchases, Balance Transfers, Cash Advances, fees and interest charges. • Purchase means a Charge using your Card to acquire goods or services. • Additional Card Member means a person issued with an additional Card to access your Account, and may previously have been referred to as a Supplementary Card Member.

About using your Account Using your Card and Account You may use your Card and Account to make Purchases and if we have approved them, Balance Transfers and Cash Advances. You may also add fees, interest and other Charges we allow you to make to your Account. You must not use your Card or Account for any illegal activities. You authorise Charges on your Account when they are made with your knowledge and consent. For example, giving your Card or Account details to a merchant, submitting a transaction online or using a mobile payment device. We may issue you with Cards to replace your existing Cards (including different types of Cards). Where your Card has an expiry date you must destroy expired Cards in a way that means they cannot be used (e.g. by cutting it into pieces). You may authorise a merchant to Charge your Account at regular intervals for goods or services (called recurring Charges). You must contact the merchant directly to stop recurring Charges on your Account. Your promise to pay us Except as set out in the section “When you are liable for unauthorised Charges”, you promise to pay to us all Charges on your account including Charges: • you authorise even if there was no signature or card presented. • related to any Balance Transfer processed and paid at your request. • you authorise by allowing other people to use your Account or Card. • that occur because you breach this Agreement (for example, if you haven’t taken reasonable steps to protect your Account).

6 - Keeping within your credit limit Your initial credit limit is set out in the Financial Table. We will set your credit limit based on your request, any minimum credit limit and our assessment of your circumstances. We may reduce it at any time. If we do, we will give you notice as soon as reasonably practicable. You can always request us to change your credit limit. You may request that we decrease your limit and we will always reduce it if asked (subject to any minimum credit limit, and whether the requested limit is less than what you currently owe us, which would cause you to exceed your requested limit). You may also request that we increase your credit limit, but we are not obliged to raise it. We may approve Charges that result in your balance exceeding your credit limit. This does not constitute an increase in your credit limit. If your outstanding balance on your Account is greater than your credit limit (an over limit amount), an over limit fee may be payable and you must pay us all amounts that exceed the credit limit, together with your minimum payment. We may impose credit limits applicable to particular types of Charges as set out in your Financial Table or otherwise notified to you (for example we may restrict the amount of your Account balance that can be made up of Cash Advances). Approving and declining Charges We may decline a Charge on reasonable grounds. Reasons we may do this include suspected unauthorised or improper use, fraud, technical difficulties, our assessment of your creditworthiness, if the use of the Card would be prohibited, you have insufficient available credit, or because certain types of Charges are not available. This may occur even if your Account is not in default. In some cases, a merchant may seek a pre-approval for a Charge. If this happens, your available credit will be reduced by the amount of the pre-approval which may restrict your ability to make further Charges.
7 - Fees you agree to pay The fees that apply to your Account are set out and described in the Financial Table. You agree to pay these fees and you authorise us to charge them to your Account when they are due. Except as noted in this Agreement, all fees are non-refundable. We may change the fees, including changing the way they are calculated, when they are payable or by imposing new fees. We will provide notice of any change as set out in this Agreement. Please see the section titled ‘Making changes to this Agreement’. Sending you statements and other communica- tions We will contact you from time to time to manage and administer your Account and the benefits and services on it. We may contact you in a variety of ways depending upon which contact details you have provided to us (for example, we may send a text to your mobile phone number or an email to your email address). We may also contact you online through our online sites and services (for example, within your profile on our website or one of our mobile applications). We will provide you with or make statements of account available to you normally once every month. We will either send them to you in the post or give you access to them online based on your choice. You can change your choice at any time, unless your Account only allows online statements. If you choose or are required to access online statements, we will send you an email with a link to your online statement when your statement is available. If there hasn’t been recent Account activity, if your Account is seriously overdue or if the balance is less than $10 or in credit, we may not produce a statement. Each statement will show important information about your account, such as the closing balance, the minimum payment due, due date and Charges on your Account. Always check each statement for accuracy and contact us as soon as possible if you need more information about a Charge on any statement. We may send you notices (including notices or information we are required or choose to send you, including about changes to this Agreement) on or together with your statements.
8 - We may also send you marketing communications from time to time, such as offers and promotions. We may use your personal information for this purpose but always in accordance with our Card Member Privacy Statement. You can opt-out of marketing communications at any time by contacting us. It is your responsibility to keep your contact details up to date at all times. You must inform us immediately if there are any changes to your mailing address or email address to which we send statements or other communications. We are not responsible if you do not receive any communication from us (such as a statement or an account alert) because you failed to keep your contact details updated. About Additional Card Members At your request, we may issue Cards to Additional Card Members. They do not have accounts with us but they can use your Account subject to the terms of this Agreement. We may share information about your Account with Additional Card Members in accordance with your Card Member Privacy Statement. We may limit the number of Additional cards issued on your account. You are responsible for the use of your Account by Additional Card Members and anyone they allow to use your Account and for ensuring that Additional Card Members comply with this Agreement, particularly as it deals with using or dealing with a Card or authorising Charges. If you want to cancel an Additional Card Member’s right to use your Account (and cancel their Card) you must tell us. Additional Card Member Communi- cations You acknowledge that from time to time, we may be required to contact any Additional Card Member(s) on your Account directly. We may do this to comply with our legal obligations which may include verifying the Additional Card Member’s identity and information. You agree that you have advised your Additional Card Members that American Express may contact them directly, and that you have provided them access to our Card Member Privacy Statement.
9 - We may request additional documentation from any Additional Card Member(s). If the requested documentation is not provided, or if we do not receive a response, we may cancel the Additional Card. You will be informed of any such cancellation decision. You also acknowledge that we may provide information to an Additional Card Member about their use of the Account (for example their charges) in accordance with the Card Member Privacy Statement.

Interest When is interest payable? The following table explains in what circumstances and on which amounts you will pay interest. This depends on whether you pay the full ‘closing balance’ by the due date shown on your statement on both the current and previous statements. Did you pay the full ‘closing balance’ by the due date On which Charges will you pay interest and when will the interest be added to your Account? On your previous statement? On your current statement? Yes Yes All Cash Advances and Balance Transfers shown on your current statement Interest up to the date of your current statement will appear on your current statement. Interest up to the date you pay the full ‘closing balance’ on your current statement in full will appear on your next statement. No interest is payable on other Charges (e.g. Purchases, other fees and interest) shown on your current statement Yes No All Cash Advances and Balance Transfers shown on your current statement Interest up to the date of your current statement will appear on your current statement. Interest will continue to appear on future statements for unpaid Cash Advance and Balance Transfer balances, until you have paid these balances in full.

10 - Yes No All other Charges (e.g. Purchases, other fees and interest) shown on your current statement Interest will be charged from the due date shown on your current statement, taking into account any payments you have made, and will appear on your next statement. All new Charges (e.g. Purchases, other fees and interest) not shown on your current statement Interest will be charged from the date of the Charge or the due date shown on your current statement (whichever is later), taking into account any payments you have made, and will appear on your next statement. No No All types of Charges whenever they were made, based on the unpaid daily balance for your Account during the current period Interest will appear on your current statement. Did you pay the full ‘closing balance’ by the due date On which Charges will you pay interest and when will the interest be added to your Account? On your previous statement? On your current statement? No Yes All types of Charges whenever they were made, based on the unpaid daily balance for your Account during the current period Interest will appear on your current statement. All Cash Advances and Balance Transfers made, but not shown on your current statement Interest will appear on your next statement. All other Charges (e.g. Purchases, other fees and interest) made before you paid the full ‘closing balance’ in full, but not shown on your current statement Interest up to the date you paid the full ‘closing balance’ will appear on your next statement.
11 - No Yes You will only pay interest on all other Charges (e.g. Purchases, other fees and interest) made after you paid the full ‘closing balance’ in full if you do not pay the full ‘closing balance’ on your next statement by the due date If applicable, Interest will appear on the statement after your next statement. How we calculate interest on your Account When interest is payable on Charges, we will charge it at the annual percentage rates set out in your Financial Table or as later notified to you in accordance with the section titled ‘Making changes to this Agreement’. We convert those rates into a daily percentage rate for the purposes of the calculation (using 365 days). We calculate interest: • separately on the different types of Charges (i.e. Cash Advances, Balance Transfers, Purchases and other Charges) which have different annual percentage rates applying. • each day on amounts that are subject to interest (in accordance with the table above), until the amount is fully repaid to us. • by applying each daily percentage rate to that part of the unpaid daily balances to which it applies.

Payments You must pay at least the minimum payment by the due date You must pay us at least the minimum payment by the due date shown on your statement. Provided you pay the minimum payment by the due date, repayment of your Account balance is fully flexible and you have a right to pay us amounts you owe whenever and as often as you like. You also agree to pay us any amount by which you have gone over your credit limit (‘Over Limit Amount’), which we will include within your minimum payment. Therefore the amount shown as due on your statement may include the minimum payment, any arrears still outstanding and any Over Limit Amount. Payments will be treated as clearing arrears before they are treated as payment of your minimum payment. Credits and refunds to your Account will not be treated as payments made by you.

12 - How to make payments You must make payments to us in Australian Dollars by any of the methods set out in your statement or any other methods we tell you. You must allow sufficient time for us to receive your payment by the due date. Third parties who send us or process your payment on your behalf are not our agents and their receipt of a payment will not be treated as the time we receive your payment. If we credit your Account with a payment, we reserve the right to reverse the payment if it is returned or dishonoured for any reason. If we process a late payment, a partial payment or a payment marked with any restrictive language (such as in full and final settlement), that will have no effect on our rights (e.g. to recover the full balance owing) and will not change this Agreement. Payments to your American Express Card Account must come from a personal bank account in your name or if applicable, the name of an Additional Card Member. Payments can also be made from a joint bank account if you, the main Card Member, or an Additional Card Member are one of the signatories. We may require additional verification for any payment received from an unrecognised source and we reserve our rights to suspend or cancel any Card Account in breach of this requirement. How we apply payments Different rates of interest may apply to your Account. For example, Purchases usually have a lower interest rate than Cash Advances. Here is how we apply payments: • Firstly, we will apply your payments to amounts included in the closing balance on your latest statement, from the amounts having the highest interest rate, and then to amounts having the next highest interest rate, and so on, with amounts having the lowest interest rate paid last. • Thereafter, we will apply your payments to amounts that have not appeared on your statement. Credits and refunds to your Account will not be treated as payments made by you.
13 -

Account safety & security Warning: Failure to comply with your obligations to protect your Account or to notify us of a lost or stolen Card may make you liable for unauthorised Charges. Protecting your Account You must take the following reasonable steps to protect your Account from unauthorised access: • sign and activate your Card as soon as you receive it. • keep the Card in your possession, safe and secure at all times. • never share your Card or Account details with anyone, except with merchants when making Purchases. • never share your PIN or passwords with anyone else including a family member or friends. • memorise your PIN and passwords (don’t write them down anywhere without making a reasonable attempt to protect their security). • do not choose a PIN or password that is easily guessed or can easily be associated with you such as your name or date of birth. • take care to prevent anyone else seeing your PIN or password when using them – for example at an ATM or when using a computer or mobile device. • keep electronic devices you use to make payments or access your Account such as mobile phones, tablets and computers safe and secure, and make sure they are password protected. How to contact us if you have a lost or stolen Card or unauthorised Charges You must tell us immediately by telephone on 1300 132 639 (or if overseas by reverse charges on +61 2 9271 8666) if: • a Card is lost, not in your possession, stolen or not received. • a mobile device you use to make mobile payments using your Account is lost or stolen. • someone else knows your PIN or other security code. • your Account or Card is being misused, or used without your authorisation, or a Charge on your Account has not been authorised by you or has been processed incorrectly.

14 - When you are liable for unauthorised Charges If applicable, your liability for unauthorised Charges will be determined in accordance with the ePayments Code and we warrant that we will comply with the ePayments Code. You will not be responsible for unauthorised Charges where you have not contributed to them, for example where they: • were due to our fraud or negligence, or that of a merchant or third party involved in networking arrangements. • related to a forged, faulty, expired or cancelled Card, PIN or Account access device. • occurred before you receive your Card, PIN or any other Account access device. • related to a Charge being incorrectly debited more than once. • related to a Charge after you had notified us the misuse of your Account, loss or theft of your Card or breach of security for your PIN or other security codes. However, you may be liable for certain unauthorised Charges, for example where you contribute to the unauthorised Charge: • through fraud, by breaching the security requirements in the ‘Protecting Your Account’ section above, or leaving your Card in an ATM. Then you will be responsible for all unauthorised Charges until you report the loss or breach of security requirements to us. • through unreasonably delaying reporting of the misuse of your Account, loss or theft of your Card or breach of security for your PIN or other security codes. What constitutes an ‘unreasonable delay’ will be determined on a case by case basis. Then you will be responsible for all unauthorised Charges between when you became aware of the loss or breach of security requirements (or should reasonably have become aware) and when it was reported to us. If applicable, under the ePayments Code you are not liable for any portion of losses greater than a limit on your Account or under any rights we may have under card scheme rules.
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Ending this Agreement & suspending or cancelling your Account How to end this Agreement You may request to end this Agreement at any time through our online services, by calling us or writing to us using the contact details on page 2 of this Agreement. We will confirm your Account has been cancelled in writing. The Agreement will only come to an end once you have paid off all amounts you owe us. Until this time, all of the terms of the Agreement will continue to apply (including our right to change the terms of the Agreement), but you will have no rights under it to use the Account to make Charges and you will not be entitled to any benefits that are included with it. We may end this Agreement if your Account is cancelled and you have paid off all amounts you owe us. When the Agreement ends you must destroy all Cards and stop using your Account and inform merchants not to make any further Charges on your Account. You may also be entitled to a refund of your annual fee in certain circumstances. If you are ending this Agreement because you do not agree with changes we are making to this Agreement and those changes are detrimental to you, we may give you a pro-rated refund of your annual fee provided you give us notice that you intend to end your Agreement within 30 days of us telling you about the relevant changes to this Agreement. When we may suspend or cancel your Account We may on reasonable grounds immediately: • cancel or suspend your Account (i.e. permanently or temporarily stop you from using your Account or Card to make any Charges and prevent you from accessing any services offered under this Agreement). • cancel or suspend any feature on your Account. • withdraw or not reissue any Card. We will notify you as soon as reasonably practicable if we take any of these actions. Once your Account is cancelled or suspended, you must not use your Account, and if cancelled, you must destroy your Cards.

16 - If we cancel your Account, this Agreement and all of its terms will remain in force until you have paid off all amounts you owe to us. This means that you must continue to pay all amounts owing on your Account when they are due and payable, but you will have no right to use the Account or your Card for further Charges and will not have any access to any benefits on the Account. We may do this for various reasons including if: • we consider your Account to be in default (see the section ‘About default and acceleration’). • we are required to do so by law. • we give you at least 30 days’ notice. About default and acceleration We consider your Account to be in default if: • you fail to comply with your obligations under this Agreement, for example failure to make any payment when it is due. • you give us false or misleading information. • you breach another Agreement you have with us or another American Express company. • we have reasonable grounds to believe you are unable or unwilling to pay your debts when due. • we suspect any illegal, improper or fraudulent use of your Account. If you are in default and subject to providing the relevant notices under applicable law we may at our discretion require that you immediately pay all sums owing on your account including unbilled charges that may not be shown on your statement.

General Making changes to this Agreement We may change any provision of this Agreement at any time, including annual percentage rates, fees, how we apply payments and benefits and services associated with the Account and changes affecting your payment obligations. We will inform you in accordance with the ‘Sending you statements and other communications’ section of this Agreement and in accordance with applicable law. We will give you: • at least same-day notice for a change to an annual percentage rate.

17 - • no prior notice for a credit limit decrease, but we will give you notice as soon as reasonably practicable. • at least 30 days’ advance written notice or any longer period of time as we consider reasonably necessary, except where the change is in your favour, for example if it reduces what you have to pay under this Agreement. You may also be entitled to a refund of your annual fee in certain circumstances. If you are ending this Agreement because you do not agree with changes we are making to this Agreement and those changes are detrimental to you, we may give you a pro-rated refund of your annual fee provided you give us notice that you intend to end your Agreement within 30 days of us telling you about the relevant changes to this Agreement. Charges made in foreign currencies For each Charge submitted to us in a currency other than Australian Dollars (a ‘Foreign Charge’), on the day we process the Foreign Charge we will: • Convert it to US Dollars first (unless it was submitted to us in US Dollars); • Convert the US Dollar amount into Australian Dollars; and • Apply a single non-refundable currency conversion fee to the Australian Dollar amount of the Foreign Charge. We use exchange rates from customary industry sources, or a specific rate if required by law. We use the exchange rate from the weekday prior to the day we process the Foreign Charge (or two weekdays prior for Foreign Charges processed on 1 January and 25 December). The exchange rate we use may be higher or lower than the exchange rate available on the day you made the Foreign Charge, and exchange rate fluctuations can be significant. When making a Charge in a foreign currency you may have the choice to allow a third party to convert the Charge into Australian Dollars at the point of sale. If you choose this option, then that third party will: • Determine the exchange rate and any commission or fees payable for the currency conversion; and
18 - • Submit that Charge to us in Australian Dollars, meaning we will not convert the Charge or apply currency conversion fee. You acknowledge that any refund of a Foreign Charge may be different to the Foreign Charge amount originally processed on your Account. The difference is generally because: • the refund and Foreign Charge may be processed on different days with different rates; • we do not apply any currency conversion fee to refunds of Foreign Charges. • the refund may be only a partial refund for the Foreign Charge; or • where third parties convert Charges in foreign currency, those third parties may treat refunds differently to the original foreign currency Charge. About our Card Member Privacy Statement The collection, use and sharing of your personal information by us is regulated by the Privacy Act. We collect, use and share your personal information in accordance with our American Express Card Member Privacy Statement. Our Card Member Privacy Statement provides you with information about: • the collection, use and sharing of your credit information and personal information. • how you can access and seek to correct your personal information and credit information. • how you can opt-out from direct marketing. • more details on our Online Privacy Statement and Credit Reporting Policy. A full copy of our Card Member Privacy Statement is provided with this Agreement. By providing your personal information to us and using your Account, you agree to the terms of our Card Member Privacy Statement. Assigning this Agreement We may sell, transfer or assign any of our rights or obligations under this Agreement. For example we may do this if we sell part of our business or if we sell any debt you owe. You agree that we may disclose any information or documents we hold about you to help us exercise these rights. You may not sell, transfer or assign any of your rights or obligations under this Agreement.
19 - Complaints about American Express If calling within Australia you can call us 24 hours a day on 1300 736 659. If overseas, call us collect (reverse charges) to Australia on +61 2 9271 2542. If the problem cannot be resolved immediately, we will advise you in writing of our procedures for investigation and resolution of the complaint. We may require further information from you to resolve the problem. If you are not satisfied with the outcome of our investigation you may pursue your complaint with the Australian Financial Complaints Authority Limited. You can contact them on 1800 931 678 or write to them at GPO Box 3, Melbourne VIC 3001. Complaints and disputes with Merchants If you have a complaint or problem with a merchant, you must still pay all Charges you have authorised on your Account and settle the dispute directly with the merchant. If you dispute a Charge with a merchant, we may credit your Account for all or part of the disputed Charge. If we do so, whether we were legally required to make the refund or not, you and any Additional Card Members agree that you are automatically deemed to assign and transfer to us all rights and claims (excluding tort claims) against the merchant. You agree that you will not pursue any claim against the merchant for the credited amount, and you must cooperate with us if we decide to do so. Payments to third parties If your Account application was obtained from or promoted by a third party or your Card is co-branded with another business, we may pay them a fee or commission. In some cases we pay an amount up to $400. In other cases the amount payable is unascertainable at the date of this Agreement. Generally a component of the payment is based on the Card you applied for or the amount of purchases charged to your Account. We do not waive our rights We may choose to delay enforcing or to not exercise rights under this Agreement. If we do this, we do not waive our rights to exercise or enforce them on any other occasion.
20 - Governing Law This Agreement is governed by the laws of the State or Territory of Australia as stated on your billing address or if your billing address is overseas, as stated on your last known Australian billing address and the courts of that State or Territory shall have jurisdiction over all parties to the Agreement. Taxes You must pay any government tax, duty or other amount imposed by law in any country in respect of the Account, any Charge on your Account or any use of the Account by you. Limitations on our liability We are not responsible or liable to you for: • any refusal, delay or failure by a merchant to accept the American Express cards; • declining an attempted Charge; • goods and services you charge to your Account, including any dispute with a merchant about goods and services you charged to your Account; and • except in relation to our liability set out in the ePayments Code, damages regardless of how they arise, including loss of profits or any incidental, indirect, consequential, punitive or special damages. If any warranties or conditions are implied under the Australian Securities and Investments Commission Act 2001 or any similar law in respect of goods or services supplied under this Agreement or in connection with your Account, then our liability for a breach of any such warranty or condition is limited to: • in the case of goods, the replacement cost of the goods, the supply of equivalent goods, the repair of the goods, or the cost of having the goods repaired. • in the case of services, the supplying of the services again, or the payment of the cost of having the services supplied again.
21 - American Express Australia Limited Card Member Privacy Statement Effective April 2026 About American Express American Express Australia Limited holds an Australian Credit Licence number 291313. You can contact American Express in the following ways: Mail: American Express Australia Limited GPO Box 1582 SYDNEY NSW 2001 Telephone: 1300 132 639 (in Australia) or +61 2 9271 8664 (if overseas) This Card Member Privacy Statement describes how American Express collects, uses, shares, and keeps your credit information and personal information in accordance with the Privacy Act and the Australian Privacy Principles. If you do not agree to our use of your credit information and personal information in this way, we may be unable to provide our products and services to you. In addition to this Card Member Privacy Statement, we also have more specific information available regarding how we handle your: • Online Information. Please see our Online Privacy Statement, which describes how we handle information we collect about you from your use or access of American Express websites, online applications and any of our online services or content. Our Online Privacy Statement is available at: americanexpress.com.au/privacy • Credit Reporting Information. Please see our Credit Reporting Policy for further detail about when, how and why we access Credit Reports about you, which credit reporting bodies American Express is likely to disclose your credit information, and how you may complain about a failure by American Express to comply with the Privacy Act and how American Express will deal with a complaint. Our Credit Reporting Policy is available at: americanexpress.com.au/creditinfo Additional privacy notices and statements Generally, we will give you more specific details about how we will use your personal information in relation to a particular American Express product or service around the time when you apply for it.
22 - At the bottom of this statement, we explain how we use artificial intelligence (AI), automated decision-making systems, analytical tools and predictive models (including statistical and machine learning models) in our business. Collection, use and sharing of credit information by American Express American Express may obtain both consumer and commercial credit reports about you from a credit reporting body. We will use this information along with other information we hold about you, including Online Information (see above), for purposes including: • assessing your credit worthiness • assessing your application • collecting overdue payments • American Express’ internal management purposes relating to the provision or management of consumer credit or commercial credit as relevant. • helping you to avoid defaulting on your obligations with American Express • to determine if you’re ineligible for certain marketing offers from us. • for any other use in connection with your account as permitted under the Privacy Act 1988 American Express may disclose information about you to credit reporting bodies before, during or after credit is provided to you. This includes: • that you have applied for a Card, including the Account credit limit. • that American Express is a credit provider to you, including the type of credit, Account opening and closing dates, and credit limit. • 24 months of repayment history on your Card Account • default information related to payments that are at least 60 days overdue (and advice that overdue payments have been paid in full) • if you have entered into a financial hardship arrangement with us, we are required to tell credit reporting bodies that you have entered into that arrangement. • that you have committed a serious credit infringement. • that you have made a request to correct your personal information. • any other information as permitted under the Privacy Act 1988
23 - American Express may exchange information about you with credit providers named in your application or in a credit report issued by a credit reporting body. Among other things, this is to: • assess your credit worthiness, this application, and any subsequent application for credit. • notify other credit providers of a default by you. • exchange information about your Account when you are in default with other credit providers. • complete any approval process for any transactions you wish to make on your Account. • administer your Card Account • notify that you have made a request to correct your Account. American Express may also exchange credit information about you with any person considering whether to act as a guarantor in relation to this and future applications by you for credit. For more information about how we use credit information, see our Credit Reporting Policy at americanexpress.com.au/creditinfo How we collect your personal information Generally, if you are applying for a Card Account we collect your personal details such as name, date of birth and address, details about your employment, financial circumstances, and other information relevant to your Card Account. American Express collects information about you in a number of ways, including: • directly from you, such as in your credit application or when you enter one of our competitions or promotions. • from your use of our products and services, such as when you make a purchase using your Card Account • from your use of or access to American Express websites, mobile applications any of our other online services or products (such as your IP Address and location, device type and browser version) (‘Online Information’) – For more information about how we collect and use Online Information see our Online Privacy Statement at americanexpress.com.au/privacy • from credit reporting bodies, as described above for credit information or for identity verification. • from people or companies named in your credit application (for example your employer)
24 - • from other information providers and sources that we may contact to verify your identity and financial information (such as, data aggregators, companies that process or administer your superannuation contributions, payroll providers, financial institutions and government bodies and agencies) We and our Service Providers may collect or use your biometric information, such as your image, to verify your identity with your express consent. We and our Service Providers will collect and use such biometric information lawfully and will only store such data for so long as is strictly necessary to verify your identity. All biometric information will be deleted by no later than within 12 months of collection. How we use your personal information We may use the information we collect about you (including Online Information) on its own or combine it with other information to: • deliver products and services, including:
for the same purposes as for credit information listed above
issuing your Card
verify your identify when you contact us
manage your Card Account and your transactions
tell you about new features, benefits and updates to your Accounts, products, and services • advertise and market our products and services – and those of our business partners – including to:
send or provide you with marketing, promotions and offers
analyse whether our marketing, promotions and offers are effective
help us determine whether you may be interested in new products or services • conduct research and analysis, including to:
better understand our customers - allow you to rate and review our products and services
produce data analytics, statistical research, and reports
review and improve our products and services and make them easier to use
develop new products and services • manage fraud, security, and credit risks, including to:
detect and prevent fraud or criminal activity
safeguard the security of your information
assess your credit worthiness, and make decisions about whether or not to approve your application for credit
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to manage your existing Accounts and credit limits • verify your identify and your financial details, including to:
verify your income
verify your identity and your identification documents • use it in other ways as required or permitted by law or with your consent. When we might share your personal information We do not share personal information with anyone except as described below. We only share personal information as required or as permitted by law as follows: • people you authorise to use or access your Account (for example, additional Card Members) • with credit reporting bodies, for the same purposes as for credit information listed above. • the provider of any payment service you use to make payments to American Express • with regulatory authorities, courts, and governmental agencies to check your identity, comply with legal orders, legal or regulatory requirements, and government requests and to detect and prevent fraud or criminal activity, and to protect the rights of American Express or others. • within the American Express Family of Companies • with government agencies (such as official record holders or document issuers) to verify your identity • with other information providers and sources (such as, data aggregators, companies that process or administer your superannuation contributions, payroll providers, and financial institutions) that we may contact to verify your identity and financial information. • with service providers who perform services for us and help us operate our business (for example, Card manufacturers, collection agents, mail houses, and reward redemption partners). We require service providers to safeguard personal information and only use your personal information for the purposes we specify. • share and exchange information with business partners and co-brand partners with whom we jointly offer or develop products and services for marketing, planning, product development and research purposes (but they may not use your personal information - in particular your email address - to independently market their own products or services to you unless you provide your consent)
26 - • with third parties in the context of a sale of all or part of the American Express Family of Companies or their assets • any other purpose you have consented to. Aggregated and de-identified information Aggregated or de-identified Information is not personal information and does not identify you individually; however, it may be derived from personal information. It helps us to analyse patterns among groups of people. We may share aggregated or de-identified Information in several ways, for example: for the same reasons as we might share personal information • with any Business Partners to help develop and market programs, products or services and present targeted content and marketing. • with Business Partners to conduct analysis and research about customers Recording phone calls American Express may also monitor and record your telephone conversations with us for staff training and service quality control purposes. Direct marketing From time to time, American Express, its agents and business partners (including insurance companies) will send you and any additional Card Members information about products, services, offers and other promotions on offer from American Express or jointly with its business partner. These communications may be sent electronically (for example by email, mobile message or push notification), by phone or by post. You can opt-out from receiving direct marketing at any time by calling 1300 132 639. You can also adjust your communication preferences using our Online Preferences or opt-out of email marketing by clicking ‘unsubscribe’ in the footer of our emails. This will continue until you opt-out or until twelve months after you cease being an American Express Card member. Transfer of your personal information and credit information overseas American Express is a global organisation and we may use international entities to help our business functions. As a result, American Express may need to share your information outside of Australia. It is impracticable for American Express to list out each and every country that we may share your information to, but such countries include the United States of America, Malaysia, India, and the
27 - United Kingdom. We will ensure that any transfer of your personal information is subject to appropriate conditions of confidentiality to ensure your information is handled consistently with the Australian Privacy Principles. How we store your personal information American Express stores personal information in a combination of secure computer storage facilities and paper-based files and other records. We have taken a number of steps to protect the personal information we hold from misuse, loss, and unauthorised access, modification, or disclosure. We use generally accepted technology and security so that we are satisfied that your information is transmitted safely to us through the internet or other electronic means. We will take reasonable steps to securely destroy or permanently de-identify personal information when we no longer need it. Information about other persons If you provide personal information about someone else to American Express, you must make sure that the individual has seen, understood, and agreed to: • their personal information being collected, used, and disclosed by American Express in accordance with this notice. • their ability to access that information in accordance with the Privacy Act 1988 and to advise American Express if they think the information is inaccurate, incomplete or out-of-date. • the contact details of the American Express Privacy Officer Our Privacy Policy For more information about how American Express Australia manages personal information, please see the American Express Privacy Policy. Complaints, access, and corrections We endeavour to provide you reasonable access to the personal information we hold about you where it is legal, reasonable, and feasible for us to do so. There is no fee to request access to your personal information, however we may charge a fee to collate and provide your personal information with your consent. If you think any of the information we hold about you is inaccurate, incomplete, or out-of-date, you can ask us to update it or correct it.
28 - To request access to your personal information, request a correction or make a complaint, please contact us via chat or call us on 1300 132 639 or write to: The Privacy Officer American Express Australia Limited GPO Box 1582 SYDNEY NSW 2001 In the event we refuse to give you access to your personal information, or do not consider that your information needs correcting we will provide you a written explanation of our decision and your options of review. You may ask us to include a statement alongside your personal information which says that you think your personal information is inaccurate, incomplete, misleading, or out of date. Where you make a complaint, we will confirm in writing that it has been received by us within seven days. We endeavour to resolve your complaint within 30 days and where we are unable to, we will contact you to explain why and request more time. Where you are unsatisfied with the way we have handled your complaint, you may escalate your complaint to the Australian Financial Complaints Authority (AFCA) who facilitates a free dispute resolution service. AFCA will generally ask if you have tried to resolve the issue with us first. You may contact AFCA on 1800 931 678, through www.afca.org.au or at GPO Box 3, Melbourne, VIC, 3001. Artificial Intelligence and Automated Decision Making We use artificial intelligence (AI), automated decision-making systems, analytical tools, and predictive models (including statistical and machine learning models) (“ADM Systems”) to assist with certain decisions and to support the delivery, security and management of our products and services. Our ADM Systems analyse patterns and relationships in data to generate risk scores, classifications, predictions, or recommendations. These systems help us assess the likelihood of certain outcomes (such as credit risk or potential fraud) based on patterns identified in personal information. Some of our decisions are made solely by ADM Systems, while others are supported or informed by ADM Systems and are reviewed or confirmed by our staff. Our ADM Systems may operate at different stages of your relationship with us, including when you apply for a product, during the ongoing management of your account, and in connection with fraud prevention, risk management, and marketing activities.
29 - We use ADM Systems where it is reasonably necessary to provide our products and services, to support our legitimate business activities (such as risk management and fraud prevention), or where otherwise permitted by law. Decisions we make using ADM Systems We use ADM Systems in connection with: • assessing eligibility and applications for Cards and other financial products (for example, assessing the likelihood that you may be able to meet your repayment obligations). • setting and adjusting credit limits (for example, based on your financial circumstances, account activity and repayment history). • assessing creditworthiness and financial risk. • ongoing account monitoring and management, including spending capacity and risk management. • detecting, preventing, monitoring, and managing fraud, scams, and suspicious transactions, including in real-time (for example, identifying unusual transactions or behaviours that may indicate fraud). • identity verification and authentication. • providing customer service and support; and • personalising or determining eligibility for certain benefits, offers and promotions. Some decisions made using ADM Systems may have a significant impact on you. For example, the decision may affect your ability to access or use our products or services, meaning you may not have access to credit. This may include refusing or approving an application, setting, or adjusting your credit limit, restricting, or declining transactions, suspending, or limiting account functionality, or determining whether you are eligible for certain products or offers. Types of personal information used by ADM Systems The personal information used in our ADM Systems may include: • application information (such as income, employment, and financial details). • credit reporting information, including credit history, repayment information, and credit scores. • account and transaction information. • identification and contact information. • device, network, and behavioural information (such as IP address or indicators of unusual activity); and
30 - • information obtained from third parties, such as credit reporting bodies or service providers, where permitted by law. We may also combine information from different sources to improve the accuracy and reliability of our assessments. How ADM Systems are used in Decision- Making Depending on the type of decision, decisions may be made solely by an ADM System or substantially using an ADM System (with human involvement). Some decisions are made using ADM Systems without mandatory human review. This may include: • automated approvals or declines of applications for products or services. • identifying transactions or activity that may be fraudulent or suspicious; and • determining eligibility for certain offers, benefits, or promotions. In these cases, model outputs are applied using predefined rules, thresholds, or criteria. In other cases, ADM Systems are used to generate scores, alerts or recommendations that are considered by our staff when making a decision. This may include decisions relating to credit limits, account management, or risk monitoring. In these cases, our staff may review available information and may override or adjust outcomes generated by ADM Systems where appropriate. Real-time decisions For certain decisions, particularly those made in real time (such as fraud, security, or risk controls), it may not be possible for a decision to be reviewed by a human before it takes effect. Further information If you have questions about how we use ADM Systems, or about a decision that has been made using these systems, you may contact us to request further information. We will take reasonable steps to provide additional information where appropriate. Governance and safeguards We do not disclose proprietary algorithms or technical details about our ADM Systems. However, we take reasonable steps to ensure our ADM Systems are appropriately designed, tested, monitored, and governed.
31 - We maintain governance and risk management processes for ADM Systems, which may include: • model risk management and oversight. • ongoing monitoring, testing, and validation. • processes designed to identify and mitigate potential bias or unintended impacts. • controls designed to assess accuracy, reliability, and appropriate use. • data minimisation, access controls, and security measures; and • oversight of third party or vendor provided models, including contractual and governance safeguards. American Express Australia Limited (ABN 92 108 952 085). ® Registered Trademark of American Express Company.
32 - Information Statement Things you should know about your proposed credit contract This statement tells you about some of the rights and obligations of yourself and your credit provider ( American Express, we, us). It does not state the terms and conditions of your contract. If you have any concerns about your contract, contact us and, if you still have concerns, our external dispute resolution scheme, the Australian Financial Complaints Authority Limited (AFCA) on 1800 931 678 or write to them at GPO Box 3, Melbourne VIC 3001, or get legal advice. The contract

How can I get details of my proposed credit contract? We must give you a pre-contractual statement containing certain information about your contract. The pre-contractual statement, and this document, must be given to you before: • your contract is entered into; or • you make an offer to enter into the contract; whichever happens first.
How can I get a copy of the final contract? If the contract document is to be signed by you and returned to us, you must be given a copy to keep. Also, we must give you a copy of the final contract within 14 days after it is made. This rule does not, however, apply if we have previously given you a copy of the contract document to keep. If you want another copy of your contract, write to us and ask for one. We may charge you a fee. We have to give you a copy: • within 14 days of your written request if the original contract came into existence 1 year or less before your request; or • otherwise within 30 days of your written request.
Can I terminate the contract? Yes. You can terminate the contract by writing to us so long as: • you have not obtained any credit under the contract; or • a card or other means of obtaining credit given to you by us has not been used to acquire goods or services for which credit is to be provided under the contract. However, you will still have to pay any fees or charges incurred before you terminated the contract.
Can I pay my credit contract out early? Yes. Pay us the amount required to pay out your credit contract on the day you wish to end your contract.

33 -

How can I find out the payout figure? You can write to us at any time and ask for a statement of the payout figure as at any date you specify. You can also ask for details of how the amount is made up. We must give you the statement within 7 days after you give your request to us. You may be charged a fee for the statement.
Will I pay less interest if I pay out my contract early? Yes. The interest you can be charged depends on the actual time money is owing. However, you may have to pay an early termination charge (if your contract permits us to charge one) and other fees.
Can my contract be changed by American Express? Yes, but only if your contract says so.
Will I be told in advance if American Express is going to make a change in the contract? That depends on the type of change. For example: • you get at least same-day notice for a change to an annual percentage rate. That notice may be a written notice to you or a notice published in a newspaper; • you get 30 days’ advance written notice for:

a change in the way in which interest is calculated; or
a change in credit fees and charges; or
any other changes by us; except where the change reduces what you have to pay or the change happens automatically under the contract.

Is there anything I can do if I think that my contract is unjust? Yes. You should first talk to us. Discuss the matter and see if you can come to some arrangement. If that is not successful, you may contact the AFCA scheme. The AFCA scheme is a free service established to provide you with an independent mechanism to resolve specific complaints. The AFCA scheme can be contacted at 1800 931 678, GPO Box 3, Melbourne VIC 3001 or www.afca.org.au. Alternatively, you can go to court. You may wish to get legal advice, for example from your community legal centre or Legal Aid. You can also contact ASIC, the regulator, for information on 1300 300 630 or through ASIC’s website at www.asic.gov.au.

34 - Insurance

Do I have to take out insurance? We can insist you take out or pay the cost of types of insurance specifically allowed by law. These are compulsory third party personal injury insurance, mortgage indemnity insurance or insurance over property covered by any mortgage. Otherwise, you can decide if you want to take out insurance or not. If you take out insurance, we cannot insist that you use any particular insurance company.
Will I get details of my insurance cover? Yes, if you have taken out insurance over mortgaged property or consumer credit insurance and the premium is financed by us. In that case the insurer must give you a copy of the policy within 14 days after the insurer has accepted the insurance proposal. Also, if you acquire an interest in any such insurance policy which is taken out by us then, within 14 days of that happening, we must ensure you have a written notice of the particulars of that insurance. You can always ask the insurer for details of your insurance contract. If you ask in writing, your insurer must give you a statement containing all the provisions of the contract.
If the insurer does not accept my proposal, will I be told? Yes, if the insurance was to be financed by the credit contract. The insurer will inform you if the proposal is rejected.
In that case, what happens to the premiums? We must give you a refund or credit unless the insurance is to be arranged with another insurer. General
What do I do if I cannot make a repayment? Get in touch with us immediately. Discuss the matter and see if you can come to some arrangement. You can ask us to change your contract in a number of ways: • to extend the term of your contract and reduce payments; or • to extend the term of your contract and delay payments for a set time; or • to delay payments for a set time.

35 -

What if American Express and I cannot agree on a suitable arrangement? If we refuse your request to change the repayments, you can ask us to review this decision if you think it is wrong. If we still refuse your request you can complain to the AFCA scheme that we belong to. Further details about this scheme are set out below in question 17.
Can American Express take action against me? Yes, if you are in default under your contract. But the law says that you cannot be unduly harassed or threatened for repayments. If you think you are being unduly harassed or threatened contact the AFCA scheme or ASIC, or get legal advice.
Do I have any other rights and obligations? Yes. The law will give you other rights and obligations. You should also READ YOUR CONTRACT carefully. IF YOU HAVE ANY COMPLAINTS ABOUT YOUR CREDIT CONTRACT, OR WANT MORE INFORMATION, CONTACT AMERICAN EXPRESS. YOU MUST ATTEMPT TO RESOLVE YOUR COMPLAINT WITH US BEFORE CONTACTING THE AFCA SCHEME. IF YOU HAVE A COMPLAINT WHICH REMAINS UNRESOLVED AFTER SPEAKING TO US YOU CAN CONTACT THE AFCA SCHEME OR GET LEGAL ADVICE. THE AFCA SCHEME IS A FREE SERVICE ESTABLISHED TO PROVIDE YOU WITH AN INDEPENDENT MECHANISM TO RESOLVE SPECIFIC COMPLAINTS. THE AFCA SCHEME CAN BE CONTACTED AT 1800 931 678, AT WWW.AFCA.ORG.AU OR WRITE TO THEM AT GPO BOX 3, MELBOURNE VIC 3001. PLEASE KEEP THIS INFORMATION STATEMENT. YOU MAY WANT SOME INFORMATION FROM IT AT A LATER DATE.

36 - American Express’ Credit Guide Definitions Throughout this credit guide the following words have special meanings: • ‘American Express’ , ‘we’ , ‘us’ and ‘our’ means American Express Australia Limited (ABN 92 108 952 085, Australian Credit Licence and AFS Licence No. 291313). • ‘You’ and ‘your’ means the person to whom this credit guide has been provided. About American Express American Express has registered as a credit provider under the National Consumer Credit Protection Act. You can contact American Express in the following ways: Mail: American Express Australia Limited GPO Box 1582 Sydney NSW 2001 Telephone: 1300 132 639 Resolving Disputes American Express is committed to customer satisfaction as part of its service philosophy. American Express has established internal procedures to resolve complaints, whilst also being a member of an external dispute resolution scheme. If you have a complaint about the provision of our credit services, please take the following steps: • Please contact us by phone on the above number to discuss your complaint. • If your complaint is not satisfactorily resolved within twenty (20) business days, please address your complaint in writing to: Mail: The Complaints Manager American Express Australia Limited GPO Box 1582 Sydney NSW 2001 • American Express makes every endeavour to resolve complaints in a prompt and fair manner, having regard to the law. If however you continue to remain dissatisfied with American Express’ decision, you may seek to have your complaint considered by the Australian Financial Complaints Authority (AFCA), an independent, external dispute resolution body. Please note that AFCA will refer you to American Express if you didn’t first raise your complaint with us.
37 - You may contact AFCA by the following means: Mail: Australian Financial Complaints Authority GPO Box 3, Melbourne VIC 3001 Telephone: 1800 931 678 Fax: +61 3 9613 6399 Internet: www.afca.org.au • The Australian Securities and Investments Commission also has an Infoline on 1300 300 630 which you may use to make a complaint and obtain information about your rights. Assessment of Unsuitability (applicable for credit contracts entered into from 1 January 2011) From 1 January 2011, before we enter into a credit contract with you, or increase your credit limit, we must undertake an assessment to ensure that the credit contract or increased limit would not be ‘unsuitable’ for you. As part of this assessment we will make reasonable inquiries about your financial situation and your requirements and objectives and then take reasonable steps to verify your financial situation. We must not offer you a credit contract, or increase in credit limit, if we assess it as unsuitable for you. We will assess it as unsuitable if you will be unable to comply with your financial obligations under the credit contract, could only comply with substantial hardship, or it will not meet your requirements or objectives. You may request a copy of your assessment up until 7 years after we enter into a credit contract with you, or increase your credit limit. We must provide the assessment to you in accordance with the timeframes below: If you request your assessment We must provide it Before we enter into a credit contract with you or increase your credit limit. Before entering the credit contract or increasing the credit limit. Within 2 years after we enter into a credit contract with you or increase your credit limit. Within 7 business days after we receive the request. After 2 years but within 7 years after we enter into a credit contract with you or increase your credit limit. Within 21 business days after we receive the request. Note that we are not required to give you a copy of the assessment if we do not enter into a credit contract with you or do not increase your credit limit.
38 - Financial Services Guide Definitions Throughout this document the following words have special meanings: • ‘American Express’ , ‘we’ , ‘us’ and ‘our’ means American Express Australia Limited (ABN 92 108 952 085, Australian Credit Licence and AFS Licence No. 291313). • ‘you’ and ‘your’ means the person to whom this Financial Services Guide has been provided. Welcome to American Express This Financial Services Guide (FSG) is designed to help you decide whether to use the financial services we provide and explains: • the products and services we can offer you; • how we, and others, are remunerated for the services offered to you; • our internal and external complaints handling procedures. This FSG is one of a number of documents that our representatives may supply to you when we provide financial services to you. For certain financial products which we offer to you or about which we give you financial product advice, we will give you a Product Disclosure Statement (PDS) for that product. This PDS will assist you in making an informed decision about a particular product and contains a range of general information about the product being offered, including: • the significant features and characteristics of the product; • the significant benefits and risks associated with holding the product; • information about the cost of the product; and • information about any cooling off rights applicable in relation to the product. Customer Instructions Depending on the financial product or service that we supply to you, you may provide us with instructions verbally, in writing, by facsimile or by other electronic means. We generally require your signature for verification. However, depending on the product or service, special arrangements may be in place to receive your instructions by facsimile, telephone or electronically. Please refer to the relevant Product Disclosure Statement for each particular financial product for further information.
39 - Products and Services which American Express is licensed to provide American Express holds an Australian Financial Services Licence. This licence authorises American Express to deal in and provide advice and services in relation to life risk and general insurance products. For each of these products we can provide general financial advice. Our general advice does not take into account your personal objectives, financial situation or needs. American Express does not provide personal financial advice. In addition, American Express also offers the following products which do not meet the definition of a financial product under the Corporations Act (Cth): • Credit Cards and Charge Cards (personal and business); • Merchant transaction acquiring; In relation to these services, you will not receive a Product Disclosure Statement and certain other processes contained within this document may not apply. American Express may offer products of other issuers If we sell to you products issued by other product issuers, we generally act on behalf of that other product issuer. American Express acts on behalf of other issuers when it sells life risk insurance and general insurance (including travel insurance). What remuneration do we receive for providing the financial services? Third Parties American Express may receive commissions and other remuneration or benefits for selling financial products on behalf of third parties or for successfully referring a customer of American Express or a related company of American Express to a third party. Details of this remuneration are as follows: • General insurance issued by Chubb Insurance Australia Limited ABN 23 001 642 020, AFS Licence No. 239687 • Up to 45% of the premium is received from Chubb Insurance Australia Limited • General Insurance underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 and issued and managed by AGA Assistance Australia Pty Ltd ABN 52 097 227 177, AFS Licence No. 245631 as its agent • Up to 40% of the premium is received from AGA Assistance Australia Pty Ltd
40 - • Life insurance issued by MetLife Insurance Limited ABN 75 004 274 882, AFS Licence No. 238096 • Up to 35% of the premium is received from MetLife Insurance Ltd • Life insurance issued by Zurich Australia Limited ABN 92 000 010 195, AFS Licence No. 232510 • 11% to 22% of the premium is received from Zurich Australia Limited • SecureIdentity and Secure Plus are provided by Secure Sentinel Pty Ltd ABN 53 054 235 157 Up to 60% of the premium is received Secure Sentinel Pty Ltd. American Express identifies insurance providers and products that may be of interest to some of our Card Members. In this role, we do not act as an agent or fiduciary for you, and we may act on behalf of the insurance provider, as permitted by law. We want you to be aware that we receive commissions from providers and commissions may vary by provider and product. Also, in some cases, an American Express entity outside of the country may be the reinsurer and may earn reinsurance income. The arrangements we have with certain providers, including the potential to reinsure products, may also influence what products we identify. We do not require you to purchase any insurance product, and you may choose to cover your insurance needs from other sources on terms they may make available to you. Remuneration or other benefits received by American Express team members All American Express team members receive a salary. Some team members may also receive commissions or other benefits in addition to their salary. The payment of commissions or other benefits generally arise where team members are engaged in roles which are related to providing advice or selling a financial product or otherwise affiliated with an area of American Express which is involved in the selling of a financial product or service. American Express team members may receive these commissions or benefits in one or more of the following ways: • Payments for reaching sales targets generated either by their own sales or through the achievement of sales targets by their team or business unit; • Payments for each policy opened or for each service provided; • Payments based on the total value of products sold or volume of sales transacted by an account opened by a team member.
41 - Benefits are usually monetary but may also be non- monetary. American Express pays monetary benefits directly to the eligible team member. Non-monetary benefits may include, amongst other things, shares, options, discounted (or pre-paid) travel or accommodation and gift vouchers. Payment of benefits to those who refer customers to American Express American Express may pay to related companies or external parties who refer customers to American Express a commission or other benefit. Such payments could be in the form of a single one-off payment or other benefit or otherwise a payment calculated as a percentage of the total amount of sales generated. Compensation Arrangements American Express has professional indemnity insurance and internal procedures in place which satisfy the requirements under s912B of the Corporations Act 2001 (“the Act”). The insurance covers losses incurred by individuals and small businesses arising out of a breach by American Express of its obligations under Chapter 7 of the Act. This policy covers the professional services provided by employees and representatives of American Express even where that employee or representative has subsequently left the employ of American Express. Telemarketing Companies We may authorise and pay telemarketing companies to provide financial services on our behalf from time to time – including the provision of general financial advice. For example, we may authorise a telemarketing company to call you to tell you about insurance products we offer or to speak to you when you call American Express. When providing these services, the telemarketing companies act on our behalf and not for you. The telemarketing companies may also act on behalf of other licensees including our insurance providers. For further details, please contact us. Payments to Telemarketing Companies You are not required to pay the telemarketing company for the services they provide, whether you buy insurance from them or not. All remuneration payable to telemarketing companies is paid by American Express or the insurance provider. The telemarketing company may be paid by way of a flat fee, a commission or reimbursement of their expenses.
42 - Staff Incentives & Bonuses Sometimes, a telemarketing company’s employees may receive a bonus or incentive based on the employees’ performance against sales targets and other performance criteria. This may include monetary bonuses or fringe benefits like gifts, vouchers, meals or entertainment. These benefits are paid by the telemarketing company and not by American Express. We monitor telemarketing sales closely and take steps to ensure that the level of service provided to you is not affected by such bonuses or incentives. Privacy and Personal Information American Express is proud of its reputation for, and commitment to, safeguarding information about its customers. The American Express Customer Privacy Principles guide our conduct in the collection, use, disclosure and security of customer information, as well as the responsibilities we assume as employees, including our dealings with our business partners. These Principles provide a minimum standard for how we manage our customers’ personal information, and apply throughout the American Express group of companies worldwide. In Australia, we adhere to the Australian Privacy Principles and the Privacy Act 1988 (Cth). A copy of our Privacy Policy Statement is located on our website at http:// americanexpress.com.au/privacy or may be obtained by contacting us. Who should you contact if you have a complaint regarding the provision of financial services by American Express? American Express is committed to customer satisfaction as part of our service philosophy. American Express has established internal procedures to resolve complaints, whilst also being a member of an external dispute resolution scheme. If you have a complaint about the provision of our financial services, please take the following steps: • Please direct your complaints, at first instance, to the point of purchase. In the case of complaints regarding general insurance (including travel insurance) or life risk insurance, please contact the insurance company or their agent directly. • If your complaint is not satisfactorily resolved within twenty (20) business days, please address your complaint in writing to:
43 - Mail: The Complaints Manager American Express Australia Limited GPO Box 1582 Sydney NSW 2001 • American Express makes every endeavour to resolve complaints in a prompt and fair manner, having regard to the law. If however you continue to remain dissatisfied with American Express’ decision, you may seek to have your complaint considered by the Australian Financial Complaints Authority (AFCA), a free, fair and independent, external dispute resolution scheme. Please note that AFCA will refer you to American Express if you didn’t first raise your complaint with us. You may contact AFCA as follows: Mail: Australian Financial Complaints Authority Limited GPO Box 3 Melbourne VIC 3001 Telephone: 1800 931 678 Interpreter service: 131 450 Fax: +61 3 9613 6399 Internet: www.afca.org.au The Australian Securities and Investments Commission also has an Infoline on 1300 300 630 which you may use to make a complaint and obtain information about your rights. Contacting Us You can contact American Express as follows: Mail: American Express Australia Limited GPO Box 1582, Sydney NSW 2001 Telephone: 1300 132 639

American Express Australia Limited (ABN 92 108 952 085) Australian Credit Licence and AFS Licence No. 291313 ® Registered Trademark of American Express Company AU114 07/26

Source: https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf

Key Facts About This Credit Card Correct as at 30 April 2024 This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009 DESCRIPTION OF CREDIT CARD Product name The Low Rate Credit Card from American Express® 2 The American Express Essential® Rewards Credit Card 2 The American Express® Platinum Edge Credit Card 2 The American Express® Explorer Credit Card 2 Minimum credit limit $1,000 $2,000 $3,000 $3,000 Minimum repayments $30 or 2.5%, whichever is greater $30 or 2.5%, whichever is greater $30 or 2.5%, whichever is greater $30 or 2.5%, whichever is greater Interest on purchases 10.99% p.a. 23.99% p.a. 23.99% p.a. 23.99% p.a. Interest-free period Up to 55 days Up to 55 days Up to 55 days Up to 55 days Interest on cash advances Not offered Not offered Not offered Not offered Balance transfer interest rate Not offered Not offered Not offered Not offered Annual or monthly fee 1 $0 $9 per month $195 per annum $395 per annum Late payment fee $30 $30 $30 $30 1

AEX10203 04/24 There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this Credit Card can be obtained from americanexpress.com.au/fees . For more information on choosing and using Credit Cards, please visit the ASIC consumer website at moneysmart.gov.au . The terms on which this Credit Card is offered can change over time. You can check if any changes have been made by visiting us at americanexpress.com.au/kfscontact . 1 Promotional offers may apply, please see individual product pages for terms and conditions. 2 Monthly statements are provided electronically. You must register your Account for Online Services to view your statements. We will notify you by email when your statement is ready to view. Credit provided by American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence No. 291313. ®Registered Trademark of American Express Company. 2

Source: https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/cardmember/platinum-edge-card/Platinum_Edge_Insurance.pdf

THE AMERICAN EXPRESS PLATINUM EDGE CARD i American Express® Platinum Edge Credit Card Insurance Terms and Conditions Effective 15th March 2022 American Express Australia Limited ABN 92 108 952 085. ® Registered Trademark of American Express Company.

ii THE AMERICAN EXPRESSPLATINUMEDGECARD Contents Terms And Conditions 1 • About This Policy 1 • Cancelled or Suspended Cards 1 • Termination 1 • Remember to Check This Policy 1 • Always Take Care When Travelling 1 • Making a Claim 1 • Changes to This Policy 1 Important Things to Know About This Policy 2 • Excess 2 • Pre-Existing Medical Conditions 3 • Pregnancy & Travel Insurance Benefits 3 • Exclusions Within This Policy 4 • Age Limits 4 • Excluded Sports And Activities 5 • COVID-19 5 • Travelling Against Medical or Government Advice 5 • Return Trips Only 5 • Fraud 6 • Australian Law 6 • Australian Currency 6 Chubb Assistance (In the Event of an Emergency) 6 Eligibility For Cover Under This Policy 6 Eligibility Table 7 If You Change Your American Express Card Account product, or Your American Express Card Account is Cancelled or Suspended 8 Coverage Summary 11 Schedule of Benefits 15 Definitions 19 Benefits 23 • Section (A) Trip Cancellation and Amendment Cover 23 • Section (B) Personal Accident Cover 26 • Section (C) Travel Inconvenience Cover 26 • Section (D) Medical Emergency Expenses Cover 27 • Section (E) Personal Baggage, Valuables, Money And Travel Documents Cover 29 • Section (F) Personal Liability Cover 32 • Section (G) Card Purchase Cover 33 • Section (H) Card Refund Cover 33 • Section (I) Buyer’s Advantage Cover 34 • Section (J) Smartphone Screen Cover 35 • General Exclusions Applicable To Sections A–J above 36 • General Conditions Applicable To All Sections 37 How To Make A Claim 37 General Information About This Policy 38 Privacy Statement 39 • Why We collect Your Personal Information 39 • How We obtain Your Personal Information 39 • When do We disclose Your Personal Information? 39 • Exchanging Personal Information with American Express 40 • Your Decision to Provide Your Personal Information 40 • Access to and Correction of Your Personal Information 40 • How to Make a Complaint 40 Complaints and Dispute Resolution Process 40 • Complaints and Customer Resolution Service 40 • Contact Details 40 • External Dispute Resolution 40 Financial Claims Scheme 41 • General Insurance Code of Practice 41 Sanctions 41

THE AMERICAN EXPRESS PLATINUM EDGE CARD 1 Terms And Conditions This Policy is effective from 15/03/2022 American Express® Card Insurance Policy Number: 09NACPLTCC Eligible American Express Card Products This Policy applies to the following American Express Card Account product only: a. American Express Platinum Edge Credit Card. About This Policy This Policy sets out important information about the insurance benefits available to Card Members, Additional Card Members, their Spouses and Dependent Children. It explains the nature of the arrangements and relevant benefits and risks. If You feel that this product does not meet Your specific needs and intended coverage, this Policy may not be right for You. You may need to buy separate or additional insurance if this Policy does not cover You for all the things You need cover for. This document provides general advice only. It does not take into account Your individual objectives, financial situation or needs. You need to decide if the limits, type and level of cover are appropriate for You. There is no obligation to accept any of the benefits of this Policy. However, if You wish to make a claim under the cover provided within this Policy, You will be bound by the definitions, terms and conditions, exclusions and claims procedures set out in this document. This Policy offers 2 main types of benefit and services:

Travel insurance benefits; and
Retail item cover. Cancelled or Suspended Cards If your Card is cancelled or suspended, you are not entitled to cover under this Policy. It is your responsibility to make sure that your minimum repayments are paid on time and that you comply with your American Express Card Account terms and conditions. Refer to Your American Express Card Account terms and conditions or please contact American Express by calling the number on the back of your Card to obtain a copy. Termination Cover will be terminated at the earlier of the following: • Your American Express Card Account is cancelled or suspended; or • termination of the Group Policy. Upon termination of the Group Policy, the insurance benefits will no longer be available to Card Members after the termination date. If You have satisfied the eligibility criteria prior to the termination of the Group Policy, cover is still available with respect to the cover section(s) that You are eligible for. American Express will always notify You in advance if the Group Policy is to be terminated. Remember to Check This Policy It is important to check this Policy from time to time, particularly before You travel to remind yourself of what is and isn’t covered. Some things You might consider doing whilst travelling might not be covered (for example, jet skiing, bungee jumping or hiring a scooter if You don’t have a motorcycle licence). You may need to buy separate or additional insurance if this Policy does not cover You or the things You need cover for. Please familiarise yourself with this Policy. We want to ensure You are clear about what it covers and what it does not cover or excludes. If You are unclear about anything in this document, please call 1800 236 023 and Our insurance team will be happy to assist You with any enquiries. Always Take Care When Travelling Make sure You have checked the most up-to-date Australian Government travel advice before You go on a Trip to understand any specific risks for Your destination. You also need to make sure You take care with Your belongings, make sure You keep valuable possessions on You and never leave Your luggage Unattended (for example, in a car overnight). This insurance is not designed to cover carelessness or high-risk activities, so be a sensible and prudent traveller. Making a Claim If You need to make a claim, keep supporting documents and proof of any loss, including all police reports, sales receipts and card statements showing any purchases made. See Section ‘ How To Make A Claim ’ for more detail. Changes to This Policy The cover under this Policy may be updated from time to time. A copy of the current policy wording can always be found by visiting the American Express Australia website at: https:/ /www.americanexpress. com/au/insurance/insurance-with-your-card/. This document replaces and supersedes any Policy issued prior to the effective date.

2 THE AMERICAN EXPRESSPLATINUMEDGECARD Important Things to Know About This Policy We have listed a number of important things (below) that You should know about this Policy. This information is not intended to be a complete list of all coverage sections, terms, conditions or exclusions under this Policy. Rather, the information is intended as a quick reference point to assist You in Your understanding of this Policy. Examples The below examples are provided for illustrative purposes only. Each claim will be assessed individually, based on the facts relative to the specific claim Example A – Excess applied: Example B – Excess and depreciation applied: Example C – Excess and depreciation applied to more than one Event: Anna books accommodation to the Sunshiny caravan park. Her Trip with the family is in summer, which is 3 months away. A week before the start of the family Trip, her son has an accident at school and breaks his leg. Unfortunately, he needs surgery and the Doctor confirms it’s best to be at home for the recovery. Anna paid $1,200 for the accommodation. The Excess is $250. a. Deduct the Excess of $250 b. Check the total cover limits and sub limits in the Schedule of Benefits. The amount claimable is below these limits. Calculation for the amount payable: (-Excess) + accommodation = amount payable (-$250) + $1,200 = $950 claim payment. Jane travels to Brazil and while in Brazil her laptop is stolen. She reports the theft to the police and provides Us with the required documentation. Jane paid $6,000 for her laptop 12 months prior to this Event. Jane’s Excess is $250. a. Deduct the Excess of $250 b. Establish original purchase price of the laptop: $6,000 c. Apply depreciation*: • 2.5% per month for 12 months = 30% depreciation. • 30% of $6,000 = $1,800 total depreciation. d. Establish current value of the laptop by subtracting depreciation from the purchase price of the laptop • $6,000 - $1,800 = $4,200 e. Check the total and per item limit shown in the Schedule of Benefits and select the lower of current value of the laptop or the item limit. If the per item limit is $2,500 which is lower than the current value $4,200, hence We take the lower number = $2,500. Rob and his wife travelled to France for 14 days. On the 4th day of their Trip, Rob slips down the stairs at the hotel. Thankfully it’s not a major injury, but he did twist his ankle and needs to seek medical attention. He was billed $500 for the Doctor’s appointment including some scans and medication. On the 8th day, Rob had his laptop stolen which was worth $1,000 when it was purchased 6 months ago. Unfortunately, on the last day of their Trip, Rob’s wife then lost her Smartphone worth $900 that was purchased directly before their Trip commenced. When they return to Australia, Rob submitted a claim for the 3 Events. As Rob and his wife had 3 Events during their Trip to France, an Excess would be applied to each of the Events (and Covered Persons). Claim 1: (-$250) Excess + $500 Medical costs = $250 claim payment. Excess Where applicable, an Excess is applied for each Event. If a claim is covered, the Excess is first deducted from the amount We will pay and before any relevant depreciation and limits have been applied to the claim amount. The applicable Excess amount is specified in the Schedule of Benefits. An Excess may also be a waiting period, which is the amount of time You have to wait until the benefit may become payable.

THE AMERICAN EXPRESS PLATINUM EDGE CARD 3 Example A – Excess applied: Example B – Excess and depreciation applied: Example C – Excess and depreciation applied to more than one Event: Calculation for the amount payable: (-Excess) + limit per item = amount payable (-$250) + $2,500 = $2,250 claim payment. Claim 2: a. Deduct the Excess of $250 b. Establish original purchase price of the laptop: $1,000 c. Apply depreciation*: • 2.5% per month for 6 months = 15% depreciation. • 15% of $1,000 = $150 total depreciation. d. Establish current value of the laptop by subtracting depreciation from the purchase price of the laptop • $1,000 - $150 = $850 Calculation for the amount payable: (-Excess) + current value = amount payable (-$250) + $850 = $600 claim payment. Claim 3: (-$250) Excess + $900 Smartphone = $650 claim payment. *For depreciation details, please review Section E – Personal Baggage, Valuables, Money and Travel Documents Cover Pre-Existing Medical Conditions This Policy does not cover any costs incurred from or relating to any Pre-Existing Medical Condition under Sections A – F (below). For example, it does not provide cover if You need emergency medical treatment overseas for an existing illness or if You need to Cancel Your Trip because a Close Relative’s existing medical condition deteriorates before You travel. If You have Pre-Existing Medical Conditions, this cover may not be right for You. Before You make Your Qualifying Travel Purchase, You should review this Policy to make sure it provides the right cover for You and Your health situation. Pregnancy & Travel Insurance Benefits It’s important to understand how Your travel insurance benefits under this Policy may be limited if You are pregnant. These are summarised below. When Does the Travel Insurance Cover You if You Are Pregnant? If You are pregnant, You will be covered for unforeseen emergency medical treatment whilst overseas up to 8 weeks before Your estimated date of delivery. However, You will not be covered for costs associated with the actual birth of Your child overseas or any pregnancy-related medical conditions that You were already suffering before Your Qualifying Travel Purchase. For more information see – When are You Not Covered if You are pregnant? (below). Two key sections of this Policy that You should be aware of are:

Section D – Medical Emergency Expenses Cover: You are covered for Events arising from or related to Your pregnancy when You are on an International Return Trip, if You have a sudden and unexpected Injury or Illness, which: a. occurs more than 8 weeks before Your estimated date of delivery; and b. is not otherwise excluded within this Policy.
Section A – Trip Cancellation and Amendment Cover: You are covered if You have a sudden and unexpected Injury or Illness arising from or related to Your pregnancy that prevents You from going on the Trip or continuing the Trip, and which: a. is confirmed by medical evidence provided by a treating Doctor; b. occurs more than 8 weeks before Your estimated date of delivery; and c. is not otherwise excluded within this Policy. When Are You Not Covered if You are pregnant? You are not covered for any costs arising from or related to:
any Pre-Existing Medical Condition;
any past medical condition(s) relating to a previous pregnancy or if You have experienced pregnancy complications prior to Your Qualifying Travel Purchase;

4 THE AMERICAN EXPRESSPLATINUMEDGECARD 3. Your pregnancy under Medical Emergency Expenses Cover or Trip Cancellation and Amendment Cover within 8 weeks of Your estimated date of delivery; 4. any costs under Medical Emergency Expenses Cover arising from childbirth or the health of a newborn child. This exclusion applies irrespective of the stage of pregnancy at which the child is born; meaning a newborn (whether premature or otherwise) is not considered a Covered Person under this Policy if the child was born on the Trip; 5. any costs under Medical Emergency Expenses Cover arising from or relating to an abortion, unless an abortion is medically necessary to protect the health and safety of the mother following an Injury or Illness, as determined by a treating Doctor; 6. fertility treatment or treatment associated with an assisted reproduction program including but not limited to, in vitro fertilisation (IVF). Exclusions Within This Policy As with all insurance, there are certain exclusions that apply. Some exclusions only apply to certain benefits under this Policy, while other exclusions apply to all claims. You should read the following: a. General Exclusions and General Conditions sections within this Policy, which apply to all claims. b. Each cover section includes information about what We cover and any terms and conditions and exclusions that apply to the cover section. To ensure You understand when We will pay for a claim, You should read each section carefully. You should make sure to check this Policy before You travel to make sure that You, and all the things You want to do, are covered. Cover Section Age Limit Age Limit for Covered Person Travel Insurance Cover (Sections A - F) You must be 79 years of age or younger before You make Your Qualifying Travel Purchase. Card Purchase Cover (Section G) Card Refund Cover (Section H) Buyer’s Advantage Cover (Section I) Smartphone Screen Cover (Section J) No age limitations apply for these cover sections. Age Limit for Close Relative or Travelling Companion If Your claim relates to cancellation or disruption of Your Trip due to an Injury or Illness of Your Close Relative or Travelling Companion, age limits also apply. Close Relative or Travelling Companion must be 90 years of age or younger when You make Your Qualifying Travel Purchase. Trip Cancellation and Amendment Cover (Section A) Age Limits Please note that to be eligible for some of the benefits under this Policy, age limits apply. Please see the table below for a summary of the age limits that apply within this Policy.

THE AMERICAN EXPRESS PLATINUM EDGE CARD 5 Excluded Sports And Activities Not everything You do on Your Trip will be covered by this Policy. This includes • some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level). • competitive sporting events (for example, where You may receive a fee or prize money). Please see the definition of ‘Excluded Sports and Activities’ for a full list of activities and sports which are not covered under this Policy. COVID-19 This Policy provides some limited cover related to Coronavirus Disease 19 (COVID-19) as outlined below. All claims are subject to the usual Policy terms, conditions and exclusions. Domestic Return Trips (Limited Cover only) • If You need to change, Curtail or Cancel Your Domestic Return Trip due to You, Your Travelling Companion, Your Close Relative or a person You are visiting for the main purpose of Your Trip being diagnosed with COVID-19, You will be eligible to claim under Section A - Trip Cancellation and Amendment Cover. • There is no Cancellation, Curtailment or Trip Change cover due to border closures or travel advisory warnings related to COVID-19 for Domestic Return Trips. • There is no Medical Emergency Expenses cover for Domestic Return Trips. International Return Trips • If You need to Curtail, Cancel or make a Trip Change to Your International Return Trip due to You, Your Travelling Companion, Your Close Relative or a person You are visiting for the main purpose of Your Trip being diagnosed with COVID- 19, You will be eligible to claim under Section A - Trip Cancellation and Amendment Cover. • If You need to cancel, curtail or change Your International Return Trip because of border closures or travel advisory warnings due to COVID-19, You will be eligible to claim under Section A – Trip Cancellation and Amendment Cover. • Cancellation cover - applies for border closures or upgraded travel advisory warnings which occur after You make Your Qualifying Travel Purchase for International Return Trips. • Curtailment or Trip Change cover - applies for border closures or upgraded travel advisory warnings which occur after You start Your International Return Trip. • If You become ill with COVID-19 whilst on an International Return Trip, You will be eligible to claim under Section D – Medical Emergency Expenses Cover. Please note: • there is no cover if You travel when a ‘Do Not Travel’ travel advisory warning has been issued by an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as the Department of Foreign Affairs (DFAT)) prior to Your Trip starting – even if You have an exemption to travel from the Australian government or an Australian government agency. • there is no cover if You travel when the borders have been closed at Your destination prior to Your Trip starting. Cancellation or Postponement of Special Events (No Cover) There is no cover for the cancellation or postponement of a Special Event (for example, a wedding, conference, concert or sporting event) in Australia or overseas arising from or related to COVID-19. Please refer to each policy section for a full overview of the cover, terms, conditions and exclusions that apply. Travelling Against Medical or Government Advice If You are advised not to travel or not to go on a particular Trip (for example, to a specific destination), You must comply with that advice. You will not be covered under Sections A – F of this Policy if You start a Trip against the following advice: a. a treating Doctor advises You not to travel; or b. an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) advises You not to travel (for example, through border closures or ‘Do Not Travel’ travel advisories). This exclusion applies even if You have been granted a travel exmption by an Australian State or Territory, the Australian Federal Government or an Australian government agency (such as DFAT) to travel. If You are advised not to travel after You have made Your Qualifying Travel Purchase, You may be entitled to cancel or change Your Trip and make a claim under Section A - Trip Cancellation and Amendment cover (subject to the terms and conditions of this Policy). Return Trips Only You are only eligible for the travel insurance benefits under Sections A – F of this Policy for return Trips i.e. trips that begin and end from Your Home or Work in Australia. It does not cover One-Way Trips where You have no plans to return to Australia. You may need to provide evidence of Your intention to return to Your Home or Your Work where reasonably possible, for example by providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return to Work dates etc. Remember, cover automatically ends for all Trips at 180 days.

6 THE AMERICAN EXPRESSPLATINUMEDGECARD Fraud Chubb takes insurance fraud seriously. Creation or submission of false documents, or exaggerating a genuine claim is considered insurance fraud. Such behaviour has a negative impact on the cost of insurance for all customers. We use Our dedicated special investigations unit at Chubb to detect and investigate selected claims daily. When the evidence supports it, Chubb will report suspect claims to the police and dedicate resources to assisting any potential criminal prosecutions. Australian Law Your Policy is governed by the laws of the State or Territory of Australia where Your Home is. Any dispute or action in connection with Your Policy will be conducted and determined in the courts of the State or Territory of Australia in which Your Home is. Australian Currency All payments made under this Policy must be in Australian currency. Chubb Assistance (In the Event of an Emergency) Emergency assistance around the world In the event of a medical emergency whilst overseas simply phone +61 2 8907 5666 to get immediate help in locating medical assistance in Your local area. For all non-emergency matters, contact Chubb Customer Service on 1800 236 023, or You can submit Your claim online by visiting the Chubb Claims Centre for American Express: www.americanexpress.com/ australia/claims Where Your claim is excluded or falls outside this Policy coverage, We may still provide You with some emergency assistance. If We do this, the provision of emergency assistance by Chubb Assistance will not in itself be an admission of liability. Considerable effort is made to locate, assess and reassess medical facilities and other services worldwide. However, the medical standards, sanitary conditions, reliability of telephone systems and facilities for medical services differ from country to country and accordingly, it is not always possible to have control over these factors. In the circumstances, responsibility for any loss, medical complication or death resulting from any factor beyond Our control, cannot be accepted by Chubb Assistance or Us. Eligibility For Cover Under This Policy Cover under this Policy is only available to Card Members who meet the eligibility criteria. You need to use Your American Express Card Account in accordance with the Eligibility Table below. Not all cover sections have the same eligibility criteria, so it is important You understand when the benefits under this Policy become available to You.

THE AMERICAN EXPRESS PLATINUM EDGE CARD 7 Cover Section Eligibility Criteria To be eligible for the benefits under the cover section(s) of the Policy, the following eligibility criteria needs to be met: When are benefits available under the Policy? When are no benefits available under this Policy? Travel Insurance Cover (Sections A – F)

You are a Card Member or an Additional Card Member or their: a. Spouse; or b. Dependent Child.
You are a Resident of Australia. Domestic Return Trips
You are going on a Domestic Return Trip and You either: a. spend $500 or more on accommodation; or b. pay the full amount of Your outbound ticket for a Scheduled Flight, Scheduled Cruise, bus or train to Your scheduled outbound destination, on Your: i. American Express Card Account; and/or ii. corresponding American Express Membership Rewards points; and/or iii. Travel Benefit. International Return Trips
You are going on an International Return Trip and You pay the full amount of Your outbound ticket for a Scheduled Flight or Scheduled Cruise leaving Australia on Your: i. American Express Card Account; and/or ii. corresponding American Express Membership Rewards points; and/or iii. Travel Benefit.
You hold an eligible American Express Card Account which is current (meaning it is not cancelled or suspended).
You are 79 years of age or younger when You make Your Qualifying Travel Purchase. If You have satisfied the eligibility criteria, You will be eligible to make a claim for the Domestic Return Trip or International Return Trip that eligibility condition 3 or 4 applies to. There is no cover under this Policy if:
You do not meet the eligibility criteria;
Your American Express Card Account has been cancelled or suspended;
You are going on a One-Way Trip. Please also refer to the Terms, Conditions and Exclusions within each cover section (A – F below) and the General Exclusions and General Conditions within this Policy. Card Purchase Cover (Section G) Card Refund Cover (Section H) Buyer’s Advantage Cover (Section I)
You are a Card Member or an Additional Card Member or their: a. Spouse; or b. Dependent Child.
You are a Resident of Australia.
You purchase an Eligible Item and pay the entire cost using Your: i. American Express Card Account; and/or ii. corresponding American Express Membership Rewards points.
You hold an eligible American Express Card Account which is current (meaning it is not cancelled or suspended). If You have satisfied the eligibility criteria, You will be eligible to make a claim for the Eligible Item that eligibility condition 3 applies to. There is no cover under this Policy if:
You do not meet the eligibility criteria;
Your American Express Card Account has been cancelled or suspended. Please also refer to the Terms, Conditions and Exclusions within each cover section (G, H or I below) and the General Exclusions and General Conditions within this Policy. Eligibility Table

8 THE AMERICAN EXPRESSPLATINUMEDGECARD Cover Section Eligibility Criteria To be eligible for the benefits under the cover section(s) of the Policy, the following eligibility criteria needs to be met: When are benefits available under the Policy? When are no benefits available under this Policy? Smartphone Screen Cover (Section J)

You are a Card Member or an Additional Card Member or their: a. Spouse; or b. Dependent Child.
You are a Resident of Australia.
You pay the cost of a: a. Smartphone outright in 1 single transaction, or b. Smartphone Data Plan for 3 consecutive months immediately prior to the front screen breakage; using Your: i. American Express Card Account.; and/or ii. corresponding American Express Membership Rewards points.
You hold an American Express Card Account which is current (meaning it is not cancelled or suspended). If You have satisfied the eligibility criteria, You will be eligible to make a claim for the Smartphone that eligibility condition 3 applies to. There is no cover under this Policy if:
You do not meet the eligibility criteria;
Your American Express Card Account has been cancelled or suspended. Please also refer to the Terms, Conditions and Exclusions within cover section (J) and the General Exclusions and General Conditions within this Policy. IMPORTANT INFORMATION: American Express has the right to change or terminate the Group Policy and your insurance benefits under it. American Express will always notify you before making any change to the Group Policy that materially impacts your insurance benefits. If You Change Your American Express Card Account product, or Your American Express Card Account is Cancelled or Suspended If You change Your American Express Card Account product to another card offered by American Express (e.g. a card downgrade or upgrade), you will not be entitled to cover under this Policy and the insurance benefits will stop. The card you hold at the date of the claim Event will determine which insurance benefits you have. If your new American Express card comes with insurance benefits, you may be entitled to cover under that new policy. You should always check before changing to another American Express card whether that card comes with insurance benefits, and the terms and conditions associated with any such insurance benefits to ensure the level of cover is right for You. If your American Express Card Account is suspended or cancelled, then there is no cover under this Policy. Please see the table below for more information.

THE AMERICAN EXPRESS PLATINUM EDGE CARD 9 American Express card at the date of Qualifying Purchase American Express card at the date of claim Event Which policy applies? Your American Express Card Account product associated with this Policy. A different American Express card with no insurance benefits. This Policy will not apply as you changed Your American Express card. This means there is no cover under this Policy. See Example A below. Your American Express Card Account product associated with this Policy. A different American Express card with different insurance benefits (i.e. where you upgrade or downgrade to a different card). This Policy will not apply as you changed Your American Express card. The policy of your new American Express card will apply, subject to the terms, conditions, limits and exclusions of that policy. See Example B below. A different American Express card product with or without insurance benefits. Your American Express Card Account associated with this Policy. This Policy will apply. Cover is subject to the terms, conditions, limits and exclusions of this Policy. CARD SUSPENSION OR CANCELLATION Your American Express Card Account product associated with this Policy. Your American Express Card Account has been cancelled or suspended. This Policy does not apply; there are no insurance benefits available to you as your American Express Card Account has been cancelled or suspended.

10 THE AMERICAN EXPRESSPLATINUMEDGECARD For medical and travel emergencies, please contact Chubb Assistance on +61 2 8907 5666. For claims and general enquiries about this Policy, please contact Chubb: Address: Grosvenor Place, Level 38, 225 George Street, SYDNEY NSW 2000 Australia Postal Address: GPO Box 4907, SYDNEY NSW 2001 Telephone: 1800 236 023 Overseas Telephone: +61 2 9335 3492 Email: CardmemberServices.ANZ@Chubb.com Not an emergency? Making a claim is quick and easy. You can submit Your claim online by visiting the Chubb Claims Centre for American Express: www.americanexpress.com/australia/claims The following examples are provided to illustrate how Your cover may be affected by changes to Your card. Example A – No American Express Card Account in place at the date of claim Event Example B – Different American Express card in place at the date of claim Event Joan holds an American Express Card Account that has travel insurance cover and makes a Qualifying Travel Purchase for a Trip that she intends to take later in the year. Before she starts her Trip, Joan decides to cancel her American Express Card Account. Upon cancelling her American Express Card Account, Joan does not apply for another American Express card. Subsequently, Joan travels and unfortunately her luggage is lost in transit to her scheduled destination. Joan does not have any entitlement to make a claim under the Policy for the lost luggage as Joan had cancelled the American Express Card Account, which means Joan did not hold a valid American Express Card Account at the date of the claim Event and therefore no longer has access to the travel insurance cover. Tim makes a Qualifying Travel Purchase for a Trip using his American Express Card Account that has travel insurance cover. Prior to travelling, Tim arranges with American Express to downgrade his card to another American Express card with a lower fee that has less travel insurance benefits. On the Trip, Tim suffers an Injury. The previous American Express Card Account which Tim held included Medical Emergency Expenses cover, but the new card held by Tim at the date of the claim Event does not include Medical Emergency Expenses cover. Tim cannot therefore make a claim for Medical Emergency Expenses as the policy in-force at the date of the claim Event does not include this type of cover.

THE AMERICAN EXPRESS PLATINUM EDGE CARD 11 Coverage Summary IMPORTANT • The following table is a summary of cover only, it is not an exhaustive list of all limits, terms, conditions or exclusions in this Policy. It is intended to be a quick reference tool to help You understand the main benefits and some exclusions that apply. • You should always read the full Policy for comprehensive details. Section Cover Description Key Exclusions Travel Insurance Cover A Trip Cancellation and Amendment Cover Provides cover in the event You must Cancel, Curtail or change Your Trip for the following reasons: • You or Your Travelling Companion suffering an Injury, unforeseen Illness or dying before or during Your Trip; • A Close Relative, suffering an Injury or an unforeseen Illness or dying before or during Your Trip; • a Natural Disaster has caused devastation to the destination You were intending to travel; • an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT – Department of Trade and Foreign Affairs) upgrading a travel advisory to ‘Reconsider your need to travel’ or ‘Do Not Travel’ travel warning or borders closing in respect of the destination You were intending to travel after You: • make Your Qualifying Travel Purchase in the case of a Cancellation claim, or • start Your Trip in the case of a Curtailment or Trip Change. Cover varies depending on the Trip type (international or domestic). What is covered? Non-refundable deposits, excursion costs and unused travel and accommodation costs You have paid in advance. We will not pay for: • Cancellation, Curtailment or Trip Change due to a Pre-Existing Medical Condition; • losses arising from the death, serious injury or acute Illness of any Close Relative or Travelling Companion who is 91 years or older when You made Your Qualifying Travel Purchase; • circumstances where Cancellation, Curtailment or Trip Change was foreseeable, avoidable, unnecessary or within Your control at the time of making a Qualifying Travel Purchase (for Cancellation) or before starting a Trip (for Curtailment or Trip Change); • You or any other person simply changing their mind and deciding not to travel or choosing to stop their Trip; • Cancellation, Curtailment or Trip Change of a Domestic Return Trip due to border closures, travel advisory warnings or quarantine as a result of an epidemic, pandemic or outbreak of an infectious disease or virus or any derivative or mutation of such viruses; • the cancellation or postponement of a Special Event arising from or related to an epidemic, pandemic or outbreak of an infectious disease or virus or any derivative or mutation of such viruses. B Personal Accident Cover

Accidental Death or Permanent Disablement during Your Trip Cover in the event of Your Accidental Death or Permanent Disablement due to an accident whilst on a Trip.
Public Transport Accident Cover Provides cover for Accidental Death or Permanent Disablement arising: • While travelling as a passenger on Public Transport; or • From exposure and disappearance. We will not pay for: • events which occur whilst travelling on privately hired, rented or chartered transport under part 2 – Public Transport Accident Cover; • death caused by illness or natural causes.

12 THE AMERICAN EXPRESSPLATINUMEDGECARD Section Cover Description Key Exclusions Travel Insurance Cover C Travel Inconvenience Cover Provides cover if: • Your Scheduled Flight departure is delayed by 4 hours or more; • Your Scheduled Flight is cancelled; • You are denied Scheduled Flight boarding; • You miss a Scheduled Flight connection; or • Your checked luggage is delayed by 6 hours or more. The amount of cover varies for each benefit. We will not pay for: • Personal Baggage delay at the airport You first departed from in Your Home State or Territory in Australia; • the purchase of clothing and toiletries which are not necessary for Your Trip; • costs if You fail to notify the transport provider or carrier about delayed or missing luggage or You do not obtain a luggage incident report from them or show You have taken reasonable steps to obtain one. D Medical Emergency Expenses Cover Provides cover for Repatriation/Evacuation, cost of overseas Treatment, emergency dental Treatment and reasonable extra accommodation costs in the event of a Medical Emergency while You are on Your International Return Trip, and transportation of Your remains or burial expenses following Your death while on a Trip. We will not pay for: • costs relating to Pre-Existing Medical Conditions; • any expenses if you are 80 years of age or older before You make your Qualifying Travel Purchase; • medical costs if You do not make reasonable attempts to contact Chubb Assistance where You were reasonably able to do so; • costs arising from Your participation in Excluded Sports and Activities (for example, horse riding, deep sea fishing, bungee jumping, jet skiing, hot air ballooning and rock climbing). Check the definition of Excluded Sports and Activities in the Definitions section for the full list of excluded activities; • costs arising from or related to Trips where the following advice has been provided prior to starting Your Trip, • an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) has issued a travel advisory warning, advising You to ‘Do Not Travel’ or that borders are closed, for the destination You planned to travel to; or • a Doctor advised You not to travel. E Personal Baggage, Valuables, Money and Travel Documents Cover Provides cover if Your Personal Baggage, Valuables, Money and Travel Documents are damaged, destroyed, lost or stolen during Your Trip. We will not pay for: • Valuables or Money within Your Personal Baggage checked in or stowed in the luggage hold of an airplane, ship, bus or train; • Valuables and/or Money that are left Unattended in a motor vehicle (unless You have no option other than to leave the items Unattended due to an emergency medical, security or evacuation situation); • any Items left Unattended in a Public Place (unless You have no option other than to leave the items Unattended due to an emergency medical, security or evacuation situation); • claims where You do not obtain a report from local police, the carrier, tour or transport operator or accommodation provider and You have not taken reasonable steps to obtain one either.

THE AMERICAN EXPRESS PLATINUM EDGE CARD 13 Section Cover Description Key Exclusions Travel Insurance Cover F Personal Liability Cover Covers Your liability if You damage someone’s property or cause them injury. We will not pay for: • You intentionally incurring any liability; • injury You cause to any person who is a member of Your family, a Close Relative, or any person under a contract of service or apprenticeship with You; • injury or damage involving: a. mechanically propelled vehicles (including scooters), aircraft (including drones), hovercraft or watercraft (other than non- mechanically propelled watercraft less than 10 metres in length); b. firearms; or c. animals (other than horses and domestic pets). Retail Item Protection G Card Purchase Cover Covers theft or damage to Eligible Items within 90 days of purchase. We will not pay for: • Eligible Items left Unattended in a Public Place (unless You have no option other than to leave the Eligible Items Unattended due to an emergency medical, security or evacuation situation); • Eligible Items left in an Unattended motor vehicle except where they are locked out of sight in a Secure Area which has been accessed by Forcible Entry or You have no option other than to leave the Eligible Items Unattended due to an emergency medical, security or evacuation situation. H Card Refund Cover Covers You for a refund of the purchase price on any unused Eligible Items that You wish to return which the retailer operating in Australia will not take it back (for up to 90 days after purchase). We will not pay for: • Eligible Items returned because they are faulty; • claims where a store credit or credit note has been offered; • items purchased from a retailer outside Australia; • Eligible Items with a purchase price of $50 or less; • used or second-hand items.

14 THE AMERICAN EXPRESSPLATINUMEDGECARD Section Cover Description Key Exclusions Travel Insurance Cover I Buyer’s Advantage Cover Provides cover for the breakdown or defect of Eligible Items beyond the expiry of the original manufacturer’s warranty period (applicable within Australia), as follows: i. if the original manufacturer’s warranty period is 1 year or less, buyer’s advantage extends cover by the same period as the Original Warranty (for example, if the Original Warranty is 1 year the buyer’s advantage cover period will be an additional 1 year); ii. if the original manufacturer’s warranty period expires between 2- 5 years, the buyer’s advantage extends cover for a period of 1 year (for example, if the Original Warranty is 3 years, the buyer’s advantage cover period will be an additional 1 year). (Please refer to the cover section for more details). We will not pay for: • items purchased from a retailer outside Australia; • any costs other than for parts and/or labour costs resulting from a covered breakdown or defect. J Smartphone Screen Cover Provides cover for breakage to the front screen of Your Smartphone following accidental drop or impact. We will not pay for: • any replacement of any other parts of the Smartphone, other than for the glass or plastic front screen; • if You have not paid for Your Smartphone Data Plan on Your American Express Card Account for the 3 consecutive months immediately prior to breakage of the front screen of Your Smartphone (unless You have purchased the Smartphone outright in 1 single transaction); • damage to Smartphones older than 3 years of age.

THE AMERICAN EXPRESS PLATINUM EDGE CARD 15 Travel Insurance Section of Cover Cover Description Benefit Limit – per Covered Person unless otherwise stated International Return Trip Domestic Return Trip Excess Applies Section A Trip Cancellation and Amendment Cover (section limit) Up to $10,000 Up to $10,000 $250 b. Travel agent commission (sub limit) Up to $750 or 15% of the total booking amount, whichever is the lesser Up to $750 or 15% of the total booking amount, whichever is the lesser c. Additional travel and accommodation (sub limit) Up to $3,000 Up to $3,000 Section B Personal Accident Cover Card Member/Additional Card Member/Spouse/ Dependent Child(ren) Card Member/Additional Card Member/Spouse/ Dependent Child(ren) NIL

Accidental Death or Permanent Disablement arising during Your Trip Benefit Type i. Accidental Death $25,000 $25,000 Permanent Disablement: ii. Loss of both hands or both feet $25,000 $25,000 iii. Loss of one (1) hand and one (1) foot $25,000 $25,000 iv. Loss of entire sight of both eyes $25,000 $25,000 v. Loss of entire sight of one (1) eye and loss of one (1) hand or one (1) foot $25,000 $25,000 vi. Loss of one (1) hand or one (1) foot $12,500 $12,500 vii. Loss of the entire sight of one (1) eye $12,500 $12,500
Public Transport Accident Cover Benefit Type Card Member/Additional Card Member/Spouse/ Dependent Child(ren) Card Member/Additional Card Member/Spouse/ Dependent Child(ren) a. Accidental Death or Permanent Disablement arising while travelling as a passenger on Public Transport i. Accidental Death $300,000 $300,000 Permanent Disablement: Schedule of Benefits Please note that amounts quoted are in Australian dollars (unless otherwise stated).

16 THE AMERICAN EXPRESSPLATINUMEDGECARD 2. Public Transport Accident Cover Benefit Type Card Member/Additional Card Member/Spouse/ Dependent Child(ren) Card Member/Additional Card Member/Spouse/ Dependent Child(ren) b. Accidental Death or Permanent Disablement arising from exposure c. Accidental Death arising from disappearance while travelling on Public Transport ii. Loss of both hands or both feet $300,000 $300,000 iii. Loss of one (1) hand and one (1) foot $300,000 $300,000 iv. Loss of entire sight of both eyes $300,000 $300,000 v. Loss of entire sight of one (1) eye and loss of one (1) hand or one (1) foot $300,000 $300,000 vi. Loss of one (1) hand or one (1) foot $150,000 $150,000 vii. Loss of the entire sight of one (1) eye $150,000 $150,000 Section C Travel Inconvenience Cover Per Covered Person Maximum for all Covered Persons (when travelling together) Per Covered Person Maximum for all Covered Persons (when travelling together) NIL

Delayed, cancelled, overbooked or missed onward Scheduled Flight Up to $500 after 4 hours Up to $1,000 after 4 hours Up to $500 after 4 hours Up to $1,000 after 4 hours
Extended Delayed, cancelled, overbooked or missed onward Scheduled Flight Up to $350 per 24-hour period to a maximum of $1,400 Up to $700 per 24-hour period to a maximum of $2,800 Up to $350 per 24-hour period to a maximum of $1,400 Up to $700 per 24-hour period to a maximum of $2,800
Delay of Personal Baggage checked-in on Scheduled Flight Up to $500 after 6 hours Up to $1,000 after 6 hours Up to $500 after 6 hours Up to $1,000 after 6 hours
Extended Delay of Personal Baggage checked-in on Scheduled Flight Up to $500 after 48 hours Up to $1,000 after 48 hours Up to $500 after 48 hours Up to $1,000 after 48 hours
Delayed arrival to a Special Event Up to $2,000 Up to $4,000 Up to $2,000 Up to $4,000

THE AMERICAN EXPRESS PLATINUM EDGE CARD 17 Section D Medical Emergency Expenses Cover

In The Event Of A Medical Emergency (section limit) Up to $2,500,000 Not Covered $250
a. In The Event Of A Medical Emergency & Repatriation/ Evacuation (sub limit) – costs arising as a result of Terrorism Up to $1,000,000
Emergency Dental (sub limit) Up to $1,000
Repatriation/Evacuation (sub limit) Up to $2,500,000
Incidental expenses each 24 hours (sub limit) Up to $50 per 24-hour period to a maximum of $1,200
Extra accommodation (room only) (sub limit) Up to $150 per 24-hour period up to a maximum of $1,500
a) Return economy airfare (sub limit) Up to $1,500
b) Extra accommodation (room only) (sub limit) Up to $150 per 24-hour period up to a maximum of $1,500
In The Event Of Your death (Repatriation/Funeral/Burial Costs) Up to $15,000 Up to $15,000 NIL In the event of Your death in a Schengen member state Up to 30,000 EUR Not Covered Section E Personal Baggage, Valuables, Money And Travel Documents Cover (section limit) Up to $10,000 Up to $10,000 $250 a. Money and Travel Documents (sub limit) Up to $500 Up to $500 b. Maximum total of all Valuables (including sub limits i. to iv.); Up to $4,000 Up to $4,000 i. One (1) Smartphone (sub limit); Up to $500 Up to $500 ii. One (1) laptop (including accessories sold with the laptop) (sub limit); Up to $2,500 Up to $2,500

18 THE AMERICAN EXPRESSPLATINUMEDGECARD iii. One (1) camera (including lenses and accessories) (sub limit); Up to $1,000 Up to $1,000 $250 iv. Any other Valuable item (sub-limit) Up to $1,000 Up to $1,000 c. any other single item or Pair or Set of items (sub limit); Up to $1,000 Up to $1,000 Section F Personal Liability Cover Up to $1,000,000 Up to $1,000,000 NIL Retail Item Protection Section of Cover Cover Description Benefit Limit Excess Applies Section G Card Purchase Cover (section limit) Up to $20,000 in any three hundred and sixty-five (365) day period beginning when the first claim Event occurs $50 Per Eligible Item Up to $2,500 Section H Card Refund Cover (section limit) Up to $2,000 in any three hundred and sixty-five (365) day period beginning when the first claim Event occurs NIL Per Eligible Item Up to $500 Section I Buyer’s Advantage Cover (section limit) Up to $10,000 in any three hundred and sixty-five (365) day period beginning when the first claim Event occurs NIL Per Eligible Item Up to $10,000 Section J Smartphone Screen Cover (section limit) two (2) eligible claims in any three hundred and sixty-five (365) day beginning when the first claim Event occurs 10% of the repair cost Per Smartphone Up to $500

THE AMERICAN EXPRESS PLATINUM EDGE CARD 19 Definitions The following words when used with capital letters in this document have the meaning given below. Wherever these words are used in plural in this Policy, they have the same meaning as the singular form shown below. Accidental Death means death occurring as a result of an Injury. American Express means American Express Australia Limited (ABN 92 108 952 085, AFS Licence No. 291313) of 12 Shelley Street, Sydney NSW 2000, the Group Policy holder. American Express Card Account means an account issued by American Express Australia Limited which is current (meaning it is not suspended or cancelled), billed from Australia and in Australian dollars for the following card product: a. American Express Platinum Edge Credit Card. Additional Card Member means a person who is issued an additional American Express card that is connected to the Card Member’s primary American Express Card Account (also known as a supplementary card member). Appointed Claims Handler means Chubb or its claims handling agent and/or representative. Card Member means a person who is issued an American Express Card Account as the primary account holder. Chubb means Chubb Insurance Australia Limited (ABN 23 001 642 020, AFS Licence No. 239687) of Grosvenor Place, Level 38, 225 George Street, SYDNEY NSW 2000, the insurer of the Group Policy held by American Express. Chubb Assistance means the service provider acting on behalf of Chubb to provide emergency assistance. Close Relative means Spouse, parent, parent-in-law, step-parent, child, brother, half-brother, step-brother, brother-in-law, sister, half-sister, step- sister, sister-in-law, daughter-in-law, son-in-law, niece, nephew, uncle, aunt, grandparent or grandchild. Covered Person means the Card Member or an Additional Card Member, and:

their Spouse;
their Dependent Child(ren) who meets the eligibility criteria as specified in the Eligibility Table. Dependent Child(ren) means any child (including stepchild or adopted child) of a Card Member, Additional Card Member or Spouse who is primarily dependent upon the Card Member or Spouse for maintenance and support, and who is: a. 25 years of age or younger; or b. of any age permanently mentally or physically incapable of self-support, as confirmed by medical evidence from a Doctor and who is permanently living with the Card Member or Spouse. Dentist means a legally registered dentist who is not You or Your Close Relative. Doctor means a legally registered medical practitioner who is not You or Your Close Relative. Domestic Return Trip means a return trip within Australia that is more than 150 kilometre radius from Your Home: starting: a. when You leave Your Home or Your Work (whichever occurs last) to travel to Your destination, or b. when You leave Your Home or Your Work (whichever occurs last) to travel to the departure point of Your Scheduled Flight or Scheduled Cruise; and ending: c. when You return to Your Home or Your Work (whichever occurs first); or d. when Your trip exceeds 180 consecutive days. Eligible Item means an item:
that is purchased from a retailer solely for personal use; and
that is new and has not been used in any way at the time of purchase; and
the cost of which has been charged to Your American Express Card Account (including through the redemption of American Express Membership Rewards points where applicable). Event(s) means an occurrence that gives rise to a claim for a benefit under Your Policy. Multiple occurrences attributable to one source or originating cause is deemed to be one Event. Excess is the amount You must pay for each successful claim where indicated. Excluded Sports and Activities means boxing; cave diving; horse jumping; horse riding; hunting and hunting on horseback; professional sports; canyoning; caving; diving; mountain-climbing; steeple chasing; any form of motor racing; speed, performance or endurance tests; abseiling; American football; bob sleigh; bungee jumping; base jumping, canoeing; clay pigeon shooting; deep sea fishing; go-karting; hang gliding; heli- skiing; hot air ballooning; ice hockey; jet biking and jet skiing; martial arts; micro-lighting; mountain biking off tarmac; mountaineering; parachuting; paragliding; parascending; paraskiing; polo; quad biking; rock climbing; SCUBA diving deeper than 30 metres; skidoo; ski-jumping; ski-racing; ski-stunting; tour operator safari (where You or any tourist will be carrying guns); trekking requiring climbing equipment and/or ascending above 3,000 metres from sea level; war games/paint ball; white water rafting; yachting more than 20 nautical miles from the nearest coastline. Forcible Entry means unlawful entry by forcible and violent means, as evidenced by a broken window, damaged or picked lock, broken hinge or door handle. Group Policy means the group policy of insurance held by American Express as detailed in the ‘General Information To Know About This Policy’ section of this Policy.

20 THE AMERICAN EXPRESSPLATINUMEDGECARD Home means Your usual place of residence in Australia (where you live). Illness means a sickness or disease which requires treatment by a Doctor or a Dentist; it does not include an Injury or PreExisting Medical Conditions. Injury means an accidental bodily injury resulting solely and directly from:

a sudden, external and identifiable Event that happens by chance and could not have been expected from the perspective of the Covered Person; and
which occurs independently of any Illness or any other cause, and
causes a loss within 12 months of the accident. It does not include an Illness or a Pre-Existing Medical Condition. Insolvency means bankruptcy, provisional liquidation, liquidation, insolvency, appointment of a receiver or administrator, entry into a scheme of arrangement, statutory protection stopping the payment of debts or the happening of anything of a similar nature under the applicable laws of any jurisdiction. International Return Trip means a trip where Your destination is outside of Australia: starting: a. when You leave Your Home or Your Work (whichever occurs last) to travel to the airport to fly on Your Scheduled Flight; or b. when You leave Your Home or Your Work (whichever occurs last) to travel to a harbour port to board a Scheduled Cruise; and ending: c. when You return to Your Home or Your Work (whichever occurs first) having travelled from the airport or harbour port; or d. when Your trip exceeds 180 consecutive days. Manual Work means paid work which involves the installation, assembly, maintenance or repair of electrical, mechanical or hydraulic plant (other than in a purely managerial, supervisory, sales or administrative capacity). It also means manual labour of any kind including, but not restricted to, hands-on work such as a plumber, electrician, lighting or sound technician, carpenter, painter, decorator or builder. Medical Emergency means: • an Injury; • sudden and unforeseen Illness; or • a dental issue, suffered by You while overseas on an International Return Trip, which results in the immediate need for Treatment which cannot be reasonably delayed until Your return to Australia without causing discomfort or risk of aggravation in the opinion of a local treating Doctor or by Chubb Assistance. Money means currency, travellers cheques, hotel and other redeemable holiday vouchers and petrol coupons. It does not mean cryptocurrency. Natural Disaster means volcanic eruption, flood (more than 20,000 square metres of normally dry land), tsunami, earthquake, landslide, cyclone, tornado or bushfire. The term Natural Disaster does not include any infectious or contagious disease or virus regardless of transmission (including pandemic or epidemic). One-Way Trip means any trip for which Your are unable to provide evidence of Your intention to return to You Home or Your Work. Pair or Set means two or more items that are: i) used together; ii) associated with each other; or iii) corresponding (including attached and unattached accessories) and regarded as 1 unit. Permanent Disablement means a loss caused by an Injury which results in the: i. complete and permanent severance of a foot at or above the ankle joint; or ii. complete and permanent severance of a hand at or above the wrist; or iii. irrecoverable loss of the entire sight of an eye. Personal Baggage means items of necessity, ornament or personal convenience for Your individual use during the Trip, including clothing, toiletries, and personal effects worn or carried by You within a suitcase (or similar). It does not include Valuables. Policy means this document which details the insurance benefits available to You under the Group Policy including all relevant terms, benefit limits, conditions and exclusions.

THE AMERICAN EXPRESS PLATINUM EDGE CARD 21 IN THE TIME PERIOD PRIOR TO MAKING YOUR QUALIFYING TRAVEL PURCHASE THE PHYSICAL DEFECT, MEDICAL OR DENTAL CONDITION, ILLNESS, INJURY OR DISEASE 2 years 1. requires either of the following: i. ongoing medication for treatment or risk factor control; ii. prescribed medication from a Doctor; iii. check-ups, consultations, reviews or progress advice (other than those recommended by a Doctor to review a previous condition that is considered by a Doctor prior to You making Your Qualifying Travel Purchase to be cured or in complete remission); or iv. surgery; or 2. is either i. under investigation; ii. pending diagnosis or test results; or iii. chronic or arthritic. 3 years THE PHYSICAL DEFECT, MEDICAL OR DENTAL CONDITION, ILLNESS, INJURY OR DISEASE affects any of the following body parts: • heart; • brain (other than a mental health related condition); • liver; • back/spine; • kidneys; • cardiovascular or circulatory or respiratory system; and where such medical condition either: i. involved a hospital emergency visitation or being an inpatient in hospital; or ii. required or requires surgery, a specialist appointment or consultation; or iii. requires: i. ongoing medication for treatment or risk factor control; or ii. prescribed medication from a Doctor; or iii. check-ups, consultations, reviews or progress advice (other than those recommended by a Doctor to review a previous condition that is considered by a Doctor prior to You making Your Qualifying Travel Purchase to be cured or in complete remission); or a. is currently either: i. under investigation; or ii. pending diagnosis or test results. Pre-Existing Medical Condition means any physical defect, medical or dental condition, illness, injury or disease that

22 THE AMERICAN EXPRESSPLATINUMEDGECARD Public Place means any place that is accessible by the public, including, shops, buses, planes, trains, Taxis, airports, bus depots, hotel foyers, restaurants, cafes, beaches and entertainment venues. Public Transport means an air, land, water or rail passenger transport that is operated by a carrier licensed for the regular transportation of fare- paying passengers (including a Taxi, ride-hailing service, airport limousine, aircraft or watercraft as part of a paid sightseeing tour). It does not mean privately hired, rented or chartered air or water transport (such as private helicopter, private jet or plane, or private watercraft). Qualifying Smartphone Screen Purchase means: a. The purchase of a Smartphone outright in 1 single transaction; or b. The payment of 3 consecutive months of a Smartphone Data Plan (immediately prior to the front screen breakage); using Your: i. American Express Card Account; or ii. American Express Membership Rewards points. Qualifying Travel Purchase means: a. If You are going on a Domestic Return Trip, You: i. Spend $500 or more on accommodation, or ii. Pay the full amount of Your outbound ticket for a Scheduled Flight, Scheduled Cruise, bus or train to Your scheduled outbound destination; or b. If You are going on an International Return Trip, You pay the full amount of Your outbound ticket for a Scheduled Flight or Scheduled Cruise leaving Australia; and You charge the payment to Your: i. American Express Card Account; and/or ii. corresponding American Express Membership Rewards points; and/or iii. Travel Benefit. Qualifying Purchase means: i. a Qualifying Travel Purchase; ii. a Qualifying Smartphone Screen Purchase; or iii. purchase of an Eligible Item. Repatriation/Evacuation means Your:

transportation to the nearest hospital, if transportation is not provided free of charge in the country of incident; or
evacuation to the nearest adequately equipped hospital in the event that local medical facilities consider they cannot adequately treat You or where Chubb Assistance’s medical officer considers local medical facilities to be inadequate; or
repatriation directly to Australia when permitted by the local treating Doctor or when recommended by Chubb Assistance’s medical officer; or
return to Australia after hospitalisation, provided that You are deemed to be medically fit for travel by the treating Doctor or by Chubb Assistance’s medical officer, and that Your original means of transportation cannot be used. Resident of Australia means an Australian citizen, or holder of an Australian visa (including a permanent residency visa, partner/spouse visa, Australian skilled migrant visa (including 457 and Temporary Skill Shortage (TSS) visa), or a student visa): a. with a right to entry into Australia in accordance with their citizenship, residency or visa; b. with access to long-term medical care in Australia; c. who has a permanent Australian residential address; and d. who currently resides in Australia. Scheduled Airline means airline passenger transport that operates to a published timetable or schedule and is available to the general public. It does not mean privately hired, rented or chartered air transport (such private jet or plane or helicopter). Scheduled Cruise means passenger transport that operates to a published timetable or schedule and is available to the general public. It does not mean privately hired, rented or chartered sea transport (such as water taxi, private boat, cruising on a cargo ship). Scheduled Flight means a flight in an aircraft on a Scheduled Airline. Schengen Visa means You holding a valid visa that enables You to enter, freely travel within, and leave any of the Schengen member countries within Europe. Secure Area means the locked dashboard, glove compartment, boot or luggage compartment of a motor vehicle including the locked luggage compartment of a hatchback or station wagon, the fixed storage units of a motorised or towed caravan, or a locked luggage box locked to a roof rack locked to the vehicle, providing that, in each case, all items are out of sight. 5 years THE PHYSICAL DEFECT, MEDICAL OR DENTAL CONDITION, ILLNESS, INJURY OR DISEASE related to cancer. 3 Months THE PHYSICAL DEFECT, MEDICAL OR DENTAL CONDITION, ILLNESS, INJURY OR DISEASE led to the manifestation of symptoms where a reasonable person in the circumstances would be expected to be aware of or a reasonable person under the circumstances would have foreseen.

THE AMERICAN EXPRESS PLATINUM EDGE CARD 23 Smartphone Data Plan means an ongoing month-to-month contract in Your name, for the provision of the Smartphone and/or data, calls or texts, which is used on a Smartphone owned by You. Smartphone Data Plan does not include pre-paid, top up or add-on plans or purchases. Smartphone means an electronic device used for mobile telecommunications over a cellular network (including but not limited to, Apple, Samsung, Huawei or similar). Smartphone does not mean tablets or smart watches. Special Event means a wedding, funeral, pre-paid conference, pre-paid sporting event pre-paid concert or festival, which before You started Your Trip You had planned to attend. Spouse means the Card Member’s or the Additional Card Member’s husband, wife, fiancé or defacto. Taxi means a vehicle with a driver for public hire for passenger transportation, either hailed on the street or via a mobile phone application. Terminal Illness means a medical condition for which a terminal prognosis has been given by a qualified Doctor and which is likely to result in death. Terrorism means activities against persons, organisations or property of any nature:

that involves the following or preparation for the following: a. use of, or threat of, force or violence; or b. commission of, or threat of, force or violence; or c. commission of, or threat of, an act that interferes with or disrupts an electronic communication, information, or mechanical system; and
when 1 or both of the following applies: a. the effect is to intimidate or coerce a government or the civilian population or any segment thereof, or to disrupt any segment of the economy; and/or b. it appears that the intent is to intimidate or coerce a government, or to further political, ideological, religious, social or economic objectives or to express (or express opposition to) a philosophy or ideology. Travel Benefit means any travel benefit or credit offered under the American Express Card Account terms and conditions. Travelling Companion means a person travelling with You on a Trip which has the same travel itinerary as You. Travel Documents means travel tickets, passports, visas and driving licences. Treatment means surgical or medical procedures performed by a Doctor or Dentist where the sole purpose of which is to cure or relieve Illness or Injury. Trip means:
a Domestic Return Trip; or
an International Return Trip. Unattended means when Your Personal Baggage, Valuables, Money, Travel Documents or an Eligible Item are not: a. worn or carried by You; or b. under Your observation and within 3 metres of You. Usual Work means permanent full-or part-time employment, including self-employment, which You are engaged in prior to Your Trip starting and that You intend to return to at the end of Your Trip. Valuables means jewellery; furs; articles containing precious metals or precious stones; watches; binoculars; audio equipment or devices; photographic and electronic equipment or devices; Smartphones and tablets; personal organisers and games consoles; laptops and external computer devices (including all printers, modems, external hard drives and similar). We/Our/Us means Chubb. Work means Your usual place of work within Australia having a fixed physical address. You/Your means a Covered Person. Benefits Section (A) Trip Cancellation and Amendment Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility Table. Please refer to the Schedule of Benefits within this Policy to confirm the amount of cover available under this section. SPECIFIC DEFINITIONS – TRIP CANCELLATION AND AMENDMENT COVER Cancellation means a cancellation resulting in You not starting Your Trip at all. ‘Cancel’ and ‘Cancelled’ has the corresponding meaning. Curtailment means cutting short Your Trip and returning to Your Home in Australia. ‘Curtail’ and ‘Curtailed’ has the corresponding meaning. Trip Change means any change that You must make to a Trip You have started but that does not result in You having to return Home any earlier than intended. COVER – TRIP CANCELLATION AND AMENDMENT COVER This cover section provides cover for a necessary and unavoidable Cancellation, Curtailment or Trip Change for specified Events, as listed below.

24 THE AMERICAN EXPRESSPLATINUMEDGECARD Please note that:

specified Events 1 – 10 below (except 7 c) provide cover (as specified below) for circumstances arising from or relating to an epidemic, pandemic or outbreak of an infectious disease or virus or any derivative or mutation of such viruses, and
specified Events 11 – 12 do not provide any cover for circumstances arising from or relating to an epidemic, pandemic or outbreak of an infectious disease or virus or any derivative or mutation of such viruses. If You have a necessary and unavoidable Cancellation, Curtailment or Trip Change due to one of the following unforeseen specified Events:
You or Your Travelling Companion or a person You are visiting for the main purpose of Your Trip suffering an Injury, an unforeseen Illness or death;
Your Close Relative, or a Close Relative of a Travelling Companion or a Close Relative of a person You are visiting for the main purpose of Your Trip suffering an Injury, an unforeseen Illness or dying;
Your redundancy which qualifies for redundancy payments under current legislation;
You being in the Australian armed services (military, naval or air service) or emergency services (police, fire, ambulance) and Your leave is revoked;
You being called for jury service or being subpoenaed as a witness other than in a professional or advisory capacity;
You being required by the police or an authority to be present at Your Home or place of business in Australia following burglary, or local major damage such as flood at Your Home or place of business in Australia;
Your paid transport has been cancelled by your transport provider as a result of: a. riot, strike, civil commotion; b. adverse weather; c. Natural Disaster; d. mechanical breakdown of the transport You planned to travel on; provided that there had been no published official warning, before You make Your Qualifying Travel Purchase, that any such Event had occurred or was likely to occur;
there is a Natural Disaster, or a Natural Disaster has recently happened or is reasonably expected to happen, on the direct route to or at Your Trip destination, provided that there had been no published official warning, before You make Your Qualifying Travel Purchase, that any such Event had occurred or was likely to occur;
a Natural Disaster or the imminent risk of one at Your Home in Australia;
for Your International Return Trip, where: a. an Australian State or Territory, the Australian Federal Government or an Australian government agency (such as DFAT – Department of Foreign Affairs) have upgraded a travel advisory warning, advising You: i. to ‘Reconsider your need to travel’ or ‘Do Not Travel’ , or ii. that borders are closed for the scheduled destination You planned to travel, or iii. that mandatory quarantine is required at Your destination; or b. an Australian state or territory public health authority have: i. classified You as having close contact with a person diagnosed with an infectious disease or virus which is classified as an epidemic or pandemic; and ii. directed You into a period of quarantine as a result of this contact; or c. an Australian State or Territory, the Australian Federal Government or an Australian government agency (such as DFAT) has implemented a lockdown order (encompassing stay-at-home orders or the restriction of movement of people into or out of a defined geographic region) and the order applies to the geographic region where Your Home is; and the warning was published or the order was given after You: i. make Your Qualifying Travel Purchase in the case of a claim for Cancellation; or ii. start Your Trip in the case of a claim for Curtailment or Trip Change;
a Special Event You were attending has been cancelled or postponed except due to circumstances arising from or relating to an epidemic, pandemic or outbreak of an infectious disease or virus or any derivative or mutation of such viruses;
for Your Domestic Return Trip , where an Australian State or Territory Government or government agency have issued an official written government statement advising You: i. not to travel to Your destination; or ii. that borders are closed for the destination You have planned to travel to; except due to circumstances arising from or relating to an epidemic, pandemic or outbreak of an infectious disease or virus or any derivative or mutation of such viruses; and the warning was published after You: i. make Your Qualifying Travel Purchase in the case of a claim for Cancellation; or ii. started Your Trip in the case of a claim for Curtailment or Trip Change; We will pay up to the maximum relevant cover section limit inclusive of sub- limits as shown in the Schedule of Benefits for: a. non-refundable and unused: i. deposits that You have paid in advance; ii. excursion costs that You have paid in advance; iii. travel and accommodation costs that You have paid in advance; b. non-refundable travel agents’ commission;

THE AMERICAN EXPRESS PLATINUM EDGE CARD 25 c. any other reasonable additional travel or accommodation expenses for a Trip Change or Curtailment, however, where You have incurred both additional travel or accommodation expenses as well as forfeited expenses, only the greater of these expenses is payable under this Policy. For example, if You forfeited pre-paid accommodation for a particular night, but also incur additional accommodation expenses for the same night, only the highest amount will be payable. TERMS AND CONDITIONS – TRIP CANCELLATION AND AMENDMENT COVER (Please also refer to the General Conditions Applicable to all Sections within this Policy.)

Claims for Injury or Illness will require confirmation in writing by a treating Doctor confirming the Injury or Illness. If a written confirmation is not provided, You must provide evidence that You have taken reasonable steps to obtain the written confirmation, such as emails, call logs or other reasonable evidence.
Claims for death will require death certificate confirming cause of death. If a death certificate is not provided, You must provide evidence that You have taken reasonable steps to obtain the death certificate, such as emails, call logs or other reasonable evidence.
Where the purchase of an airplane, ship, bus or train ticket (or part thereof) was done so using membership rewards points or similar points and the loss of such points cannot be recovered from any other source (within a reasonable timeframe and after reasonable efforts have been made to seek recovery), We will calculate the loss by using the retail price associated with the travel provider of the issued ticket at the time the ticket was purchased.
You must take reasonable steps to recover any refund, credit note or voucher You are entitled to. Where You have received or been offered a refund, credit note or voucher for the cost of a booking, whether partially or in full, the amount offered or received is to be considered refundable. You are only eligible for cover under this cover section for non-refundable and unused costs. EXCLUSIONS – TRIP CANCELLATION AND AMENDMENT COVER (Please also refer to the General Exclusions Applicable to all Sections within this Policy.) We will not pay for or reimburse any costs arising from or relating to:
You or any other person simply changing their mind and deciding not to start a Trip, continue with the Trip or any other disinclination to travel;
Pre-Existing Medical Conditions (whether Yours, Your Travelling Companion’s or a Close Relative’s) except when You make a Cancellation, Curtailment or Trip Change due to the death of a Travelling Companion or Close Relative and provided the death was not as a result of a Terminal Illness;
the death, Injury, unforeseen Illness of any Close Relative or Travelling Companion who is 91 years of age or older when You made Your Qualifying Travel Purchase;
costs where a refund, credit note or voucher has been received or offered for those costs;
additional costs incurred due to Your failure to notify the carrier or travel agent as soon as reasonably possible that Your Trip is to be Cancelled or Curtailed;
any government regulation, prohibition or restriction, including but not limited to: a. Your failure to hold or obtain a valid passport, visa, or other required documentation prior to commencing Your Trip; b. Travel advisories, border closures, mandatory quarantine, public health directives to quarantine or lockdown orders which occurred before You: i. made Your Qualifying Travel Purchase in the case of a claim for a Cancellation; or ii. started Your Trip in the case of a claim for a Curtailment or Trip Change; c. border closures or government advice not to travel which relate to an epidemic, pandemic or outbreak of an infectious disease or virus or any derivative or mutation of such viruses for a Domestic Return Trip;
where You do not meet the vaccination protocols required by a transport provider or an Australian State, Territory or the Australian Federal Government or the government of any destination You had planned to travel to before they allow You to board the Public Transport;
a Special Event that is cancelled or postponed as a result of an epidemic, pandemic or outbreak of an infectious disease or virus or any derivative or mutation of such viruses;
Your failure to check-in at the required time for any flight, sea crossing, train or bus journey which is within Your control;
Cancellation caused by Your work commitments, or amendment of Your entitlement by Your employer, unless You are a member of the Australian armed services (military, naval or air service) or emergency services (police, fire, ambulance) and the expense or cost was incurred as a result of Your leave being revoked;
travel or accommodation costs for anyone that is not a Covered Person;
costs incurred in respect of any medical condition where You are unable to supply a medical certificate from Your treating Doctor confirming Cancellation, Curtailment or Trip Change was necessary and unavoidable. If a written confirmation is not provided, You must provide evidence that You have taken reasonable steps to obtain the written confirmation, such as emails, call logs or other reasonable evidence;
Your financial circumstances or any contractual or business obligation;
the failure of Your travel agent to pass on monies to operators or to deliver promised services;
the Insolvency of any person, company or organisation, including but not limited to a travel agent, tour operator, accommodation provider, airline or other carrier, vehicle rental agency or any other travel or tourism services provider;

26 THE AMERICAN EXPRESSPLATINUMEDGECARD 16. additional transportation or accommodation expenses which are payable under another section or benefit of this Policy; 17. any circumstances that were foreseeable, avoidable, unnecessary or within Your control: a. at the time You made Your Qualifying Travel Purchase in the case of Cancellation, or b. before You start Your Trip in the case of Curtailment or Trip Change. EXCESS – TRIP CANCELLATION AND AMENDMENT COVER As noted in the Schedule of Benefits. Section (B) Personal Accident Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility Table. Please refer to the Schedule of Benefits within this Policy to confirm the amount of cover available under this section. COVER – PERSONAL ACCIDENT COVER

Accidental Death or Permanent Disablement arising during Your Trip If during Your Trip, You suffer an Injury that results in Your: i. Accidental Death, or ii. Permanent Disablement; within 12 months of the date of the Injury; We will pay You or Your estate the applicable benefit amount (up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits). If You are eligible for the higher Accidental Death or Permanent Disablement benefit under 2) Public Transport Accident Cover (below), the above benefit cannot also be claimed.
Public Transport Accident Cover a. Accidental Death or Permanent Disablement arising while travelling as a passenger on Public Transport If during Your Trip, You sustain an Injury that results in an Accidental Death or Permanent Disablement described in the Schedule of Benefits as a result of: • travelling as a passenger on Public Transport, or • boarding or disembarking from Public Transport, or • being struck by Public Transport, We will pay the corresponding benefit amount noted in the Schedule of Benefits. b. Accidental Death or Permanent Disablement arising from exposure If during Your Trip, You sustain an Injury due to exposure to weather conditions that results in an Accidental Death or Permanent Disablement described in the Schedule of Benefits due to the disappearance, sinking or wrecking of the Public Transport on which You were travelling, We will pay the corresponding benefit amount noted in the Schedule of Benefits. c. Accidental Death arising from disappearance while travelling on Public Transport If during Your Trip, You disappear due to the disappearance, sinking or wrecking of the Public Transport on which You were travelling, and Your body has not been found within 12 months, You will be deemed to have died at the time of Your disappearance and We will pay the corresponding Accidental Death benefit amount noted in the Schedule of Benefits. TERMS AND CONDITIONS – PERSONAL ACCIDENT COVER (Please also refer to the General Conditions Applicable to all Sections within this Policy).
Benefits will be paid in Australian dollars to You, and in the case of Your Accidental Death, to Your estate.
We will only pay one benefit type (i-vii in the Schedule of Benefits) for each Event, even if multiple benefit types apply. If multiple benefit types apply, We will pay the benefit type with the highest benefit amount.
Claims for Permanent Disablement will require confirmation in writing by a treating Doctor as soon as reasonably possible. Medical certificates must be provided at your own cost.
Claims for Accidental Death will require death certificate confirming cause of death.
If You are also entitled to make a claim from Us under a separate insurance policy on another American Express card, We will only make 1 payment in relation to the accident and loss in question. In that instance, We will pay the highest benefit amount applicable. EXCLUSIONS – PERSONAL ACCIDENT COVER (Please also refer to the General Exclusions Applicable to all Sections within this Policy.) We will not pay for or reimburse any costs arising from or relating to:
the Accidental Death or Permanent Disablement of a person that is not a Covered Person.
when travelling on privately hired, rented or chartered transport in the case of claims under 2). Public Transport Accident Cover. EXCESS – PERSONAL ACCIDENT COVER As noted in the Schedule of Benefits. Section (C) Travel Inconvenience Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility Table. Please refer to the Schedule of Benefits within this Policy to confirm the amount of cover available under this section. COVER – TRAVEL INCONVENIENCE COVER
Delayed, cancelled, overbooked or missed onward flight If during Your Trip: a. Your Scheduled Flight is delayed or cancelled by 4 hours or more; or b. You are denied boarding on Your Scheduled Flight due to over- booking of the aircraft, and no alternative flight is made available to You within 4 hours of the scheduled departure time of such flight; or

THE AMERICAN EXPRESS PLATINUM EDGE CARD 27 c. You missed Your onward connecting Scheduled Flight at the transfer point due to the late arrival of Your incoming connecting Scheduled Flight, and no alternative onward flight is made available to You within 4 hours of the actual arrival time of the incoming flight; We will reimburse You for additional hotel accommodation (room only) and restaurant meals or refreshments up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. 2. Extended Delayed, cancelled, overbooked or missed onward flight If You have a claim under 1). Delayed, cancelled, overbooked or missed onward flight (above), We will also reimburse You for additional accommodation expenses (room only) for each full 24-hour period that the delay continues beyond the initial 4 hour delay up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. 3. Delay of Personal Baggage checked-in on Scheduled Flight If during Your Trip, Your Personal Baggage which You have checked in on a Scheduled Flight: a. is not delivered within 6 hours of Your arrival at the scheduled destination point; and b. You are not at the airport You first departed from in Your Home’s State or Territory in Australia; We will reimburse You for the emergency purchase of essential clothing and toiletries up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. 4. Extended Delay of Personal Baggage checked-in on Scheduled Flight If during a Trip, Your Personal Baggage which You have checked in on a Scheduled Flight: a. is not delivered to You by the airline provider within 48 hours of Your arrival at the scheduled destination point; and b. You are not at the airport You first departed from in Your Home’s State or Territory in Australia; We will reimburse You for the reasonable emergency purchase of essential items up to the maximum relevant cover section limit inclusive of sub- limits as shown in the Schedule of Benefits. 5. Delayed arrival to a Special Event If during Your Trip, Your Scheduled Flight to a Special Event is delayed due to unforeseeable circumstances outside of Your control and: a. the delay results in You being unable to arrive in time for the Special Event; and b. the Special Event cannot be delayed due to Your late arrival, We will pay reasonable additional expenses for the cost of alternative Public Transport to arrive at the Special Event directly to You, up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. TERMS AND CONDITIONS - TRAVEL INCONVENIENCE COVER (Please also refer to the General Conditions Applicable to all Sections within this Policy.)

Should more than one (1) person claim under the benefits of this section in relation to the same Event, We will pay a maximum of double the benefit limits specified.
In the event of a claim, You must provide Us with invoices and/or receipts.
Claims for lost or delayed luggage must be reported to the transport provider or carrier and a property irregularity report (such as a luggage incident report) obtained where reasonably possible. If a property irregularity report or incident report is not provided, You must provide evidence that You have taken reasonable steps to obtain a report, such as emails, call logs or other reasonable evidence. A copy of any property irregularity report obtained from the airline must be supplied to Us together with the following information: a. full details of the flight (airline, flight numbers, departure airport, destination, scheduled flight times and arrival airport); b. details of the delay or loss incurred; and c. full details of expenses for which reimbursement is claimed. EXCLUSIONS - TRAVEL INCONVENIENCE COVER (Please also refer to the General Exclusions applicable to All Sections within this Policy.) We will not pay for or reimburse any costs arising from or relating to:
the confiscation or requisition of any items by any customs agency or other government authorities;
the purchase of clothing or toiletries that are not reasonably necessary for Your Trip;
any lost or delayed Personal Baggage where a property irregularity report (such as a luggage incident report) is not provided and where You are unable to provide evidence that You have taken reasonable steps to obtain one. Such evidence includes emails and call logs to the transport provider or other reasonable evidence;
Personal Baggage delay or extended Personal Baggage delay in the airport You first departed from in Your Home’s State or Territory in Australia. EXCESS - TRAVEL INCONVENIENCE COVER As noted in the Schedule of Benefits. Section (D) Medical Emergency Expenses Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility Table. Please refer to the Schedule of Benefits within this Policy to confirm the amount of cover available under this section.

28 THE AMERICAN EXPRESSPLATINUMEDGECARD COVER – MEDICAL EMERGENCY EXPENSES COVER

In The Event Of A Medical Emergency – International Return Trip only If during Your International Return Trip (except when You are in Australia), You have a Medical Emergency resulting from an Injury or Illness, which is not a Pre-Existing Medical Condition, We will pay or reimburse the reasonable expenses for:
Your emergency medical Treatment and hospital costs;
Your emergency dental Treatment to natural teeth;
Your Repatriation/Evacuation costs if approved by Chubb Assistance (such approval not to be unreasonably withheld or delayed) following consultation with the treating Doctor;
Your incidental expenses, such as food and toiletries expenses, which You may incur as a result of being hospitalised as an inpatient for each complete 24 hour period;
reasonable extra accommodation costs (room-only) for You and any person who stays or travels with You to provide support or care, as reasonably agreed by Chubb Assistance;
if You are travelling alone: a. a return economy airfare; and b. extra accommodation (room-only); for Your friend or Close Relative to stay with You as reasonably agreed by Chubb Assistance. The maximum We will pay under the Medical Emergency Expenses Cover is the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. However, We will stop paying costs and expenses prior to that limit being reached if You: i. return to Australia; or ii. are declared fit to return to Australia by a treating Doctor or by Chubb Assistance’s medical officer, but choose to remain overseas.
In The Event Of Your death If You die during Your Trip, Chubb Assistance will organise, arrange and pay for the reasonable costs up the maximum relevant cover section inclusive of sub-limits as shown in the Schedule of Benefits for: a. transportation of Your remains to an airport of Your Home’s State or Territory in Australia; or b. cremation and subsequent transportation of Your remains to an airport of Your Home’s State or Territory in Australia; or c. local (in the country of Your death) burial. If You hold a valid Schengen Visa and in the event of Your death in a Schengen member state during Your International Return Trip, the maximum amount We will pay in total will not exceed 30,000 EUR for expenses incurred in that Schengen member state for Your burial or cremation. In an emergency: You should contact Chubb Assistance as soon as reasonably possible when an emergency arises on +61 2 8907 5666 and provide Your American Express Card Account number, as much information as possible and a telephone or fax number where You can be contacted. If Your medical condition prevents You from calling, if possible, someone else should call on Your behalf, such as a relative, Your Travelling Companion, nurse or Doctor. If You do not make reasonable attempts to call Chubb Assistance before seeking emergency medical treatment, or You chose to seek treatment from a medical service not approved by Chubb Assistance, You may be responsible for some or all of Your medical expenses (to the extent that those medical expenses could otherwise have been reduced through preferred medical providers arranged by Chubb Assistance). TERMS AND CONDITIONS – MEDICAL EMERGENCY EXPENSES COVER (Please also refer to the General Conditions Applicable to all Sections within this Policy.)
You must be seventy-nine (79) years of age or younger when You make Your Qualifying Travel Purchase.
We will not be liable to pay or reimburse You for any medical Treatment, hospital costs, dental Treatment or any other ancillary Treatment (i.e. physiotherapy) that are incurred in Australia.
You must take all reasonable measures to avoid or minimise any claim, to follow all applicable care and safety procedures notified to You by a treating Doctor or Chubb Assistance’s medical officer, to obtain help or assistance as soon as reasonably possible and avoid danger, except in an attempt to save human life.
You must make all reasonable attempts to call Chubb Assistance before seeking overseas emergency medical Treatment. If Your medical condition prevents You from calling, if possible, someone else should call on Your behalf, such as a relative, Travelling Companion, nurse or Doctor. If You do not make reasonable attempts to call Chubb Assistance before seeking emergency medical Treatment, or You chose to seek treatment from a medical service provider not approved by Chubb Assistance, You may be responsible for Your medical expense costs to the extent that those medical expenses could otherwise have been reduced through preferred medical providers arranged by Chubb Assistance. You will need to provide evidence that You have attempted to contact Chubb Assistance, such as call logs or other reasonable evidence.
In the event of an overseas Medical Emergency, We will arrange Your transportation to the nearest hospital or evacuate You to the nearest adequately equipped hospital in the event that local medical facilities are inadequate (in the opinion of staff at the local medical facility or Chubb Assistance’s medical officer).
If Your original means of transportation cannot be used, We will repatriate You directly to Australia when You are deemed medically fit to travel by the local treating Doctor or by Chubb Assistance’s medical officer.

THE AMERICAN EXPRESS PLATINUM EDGE CARD 29 7. We will repatriate or evacuate You to Australia by the quickest and most direct route as determined by the treating Doctor or as recommended by Chubb Assistance’s medical officer. However, if You chose to be repatriated or evacuated without first discussing this with Chubb Assistance, You may be responsible for any costs to the extent that those Repatriation/Evacuation costs could otherwise have been reduced through preferred medical providers arranged by Chubb. 8. To understand the extent of Your Injury or Illness and what treatment or Repatriation/Evacuation, if any, is required, we may seek a second independent Doctor or Dentist to review and confirm what medical treatment, expenses or Repatriation/Evacuation is appropriate. EXCLUSIONS – MEDICAL EMERGENCY EXPENSES COVER (Please also refer to the General Exclusions applicable to All Sections within this Policy.) We will not pay for or reimburse any costs arising from or relating to:

Your Pre-Existing Medical Condition(s);
any medical Treatment, hospital costs, dental Treatment, Repatriation/ Evacuation costs or any other ancillary Treatment (i.e. physiotherapy) that is incurred in Australia;
Your failure to make any reasonable attempt to contact Chubb Assistance where You were reasonably able to do so;
Your participation in Excluded Sports and Activities;
participation in a sporting event that has an appearance fee, wage, salary or prize money which in total is equal to fifteen percent (15%) or more of Your annual income from all sources. Participation includes training for, coaching or otherwise competing in that sporting event;
dental treatment caused by or related to the deterioration and/or decay of teeth or associated tissue;
dentures, crowns and orthodontics;
routine medical or dental treatment or prenatal visits;
Treatment or prescription medication (including medication and ongoing immunisations) that started prior to Your International Return Trip;
Treatment performed by Close Relatives, except in a life-threatening emergency;
You remaining overseas after Chubb Assistance confirms, based on medical evidence from the treating Doctor, that You are fit to travel and can return to Australia;
an International Return Trip involving pre-planned Treatment, or for the purpose of obtaining Treatment, and Treatment for cosmetic reasons, unless Chubb Assistance’s medical officer agrees that such Treatment is necessary as a result of any covered accident;
You engaging in Manual Work;
any costs incurred in a destination where an Australian State, Territory or the Australian Federal Government or an Australian government agency (such as DFAT) have issued or upgraded a travel advisory warning, advising You to ‘Do Not Travel’ or that borders are closed, for the destination You planned to travel to and this occurred prior to You starting Your International Return Trip. This exclusion applies even if You have been granted a travel exemption by an Australian State or Territory, the Australian Federal Government or an Australian government agency (such as DFAT) to travel. EXCESS – MEDICAL EMERGENCY EXPENSES COVER As noted in the Schedule of Benefits. Section (E) Personal Baggage, Valuables, Money And Travel Documents Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility Table. Please refer to the Schedule of Benefits within this Policy to confirm the amount of cover available under this section. COVER – PERSONAL BAGGAGE, VALUABLES, MONEY AND TRAVEL DOCUMENTS COVER If during Your Trip, Your: Accidental Damage
Personal Baggage, Valuables or Travel Documents are accidentally damaged or destroyed; or Accidentally Lost
Personal Baggage, Valuables, Money or Travel Documents are accidentally lost; or Stolen from Hold
Personal Baggage or Travel Documents are stolen when they have been checked in or stowed in the luggage hold of an airplane, ship, bus or train, where You had no access to that Personal Baggage until the end of the transport; or Stolen from Designated Storage Area
Personal Baggage, Valuables, Money or Travel Documents are stolen when they have been stowed in a specially designated area (such as overhead compartment, luggage rack or hotel storage room) on an airplane, ship, bus or train transport or with an accommodation provider; or Stolen from Locked Accommodation
Personal Baggage, Valuables, Money or Travel Documents are stolen from Your locked accommodation (excluding motor vehicle accommodation) where the accommodation was reasonably able to be locked; or Stolen from Motor Vehicle
Personal Baggage (excluding Valuables or Money) or Travel Documents left Unattended are stolen from a motor vehicle, where: a. items were locked out of sight in a Secure Area; and b. Forcible Entry has been used by an unauthorised person to gain entry to the vehicle; and c. evidence of such Forcible Entry is available; or Stolen from You
Personal Baggage, Valuables, Money or Travel Documents which are: a. carried by You; or b. under Your observation and within 3 metres of You, are stolen,

30 THE AMERICAN EXPRESSPLATINUMEDGECARD We will, after We deduct the Excess from Your claim, do one of the following: • pay You the reasonable costs for the item to be repaired if it is practical and economic for the item to be repaired; • If it is not practical and economic to repair the item, We will pay You to replace the item with the same or nearest type if the item is available (i.e. make and model); • If the item cannot be repaired or replaced by You, We will pay You the lesser of: i. the depreciated (which includes wear and tear) value of the item; or ii. the current replacement cost of the item; up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. TERMS AND CONDITIONS – PERSONAL BAGGAGE, VALUABLES, MONEY AND TRAVEL DOCUMENTS COVER (Please also refer to the General Conditions Applicable to all Sections within this Policy.)

Any payment will be based on the item’s depreciated value, repair cost (to the condition before the loss) or current replacement cost, as outlined directly above.
You must take all reasonable precautions for the safety and supervision of Your Personal Baggage, Valuables, Money and Travel Documents.
Any claims to a Pair or Set, if You agree to surrender the undamaged item(s) of the Pair or Set to Us and We agree to accept them, We will pay You the current replacement cost of the entire Pair or Set. If You do not agree to surrender the undamaged items, We will only be liable for the value of that part of a Pair or Set which has been lost, stolen, damaged or destroyed. For example, if one earring is stolen, We will only pay 50% of the cost of replacement earrings.
If We ask, You must send to Us any damaged or undamaged items and pay for postage.
Theft of Personal Baggage (excluding Valuables or Money) or Travel Documents left Unattended in a motor vehicle is subject to the following: a. items must be locked out of sight in a Secure Area, and b. Forcible Entry must have been used by an unauthorised person to gain entry to the vehicle, and c. evidence of such entry is available.
To support all claims, You must supply a copy of the item’s purchase receipt or invoice, or an alternative written or printed proof of the purchase price or value.
You must report loss, theft or criminal damage to the: a. local police; or b. appropriate issuing authority (in the case of Travel Documents), and a written report obtained where reasonably possible. If a written report is not provided, You must provide evidence that You have taken reasonable steps to report the loss, theft or criminal damage including details of the time and place You made the report, and the name and contact details of who You reported the loss, theft or criminal damage to (to the extent such details are within Your power to provide).
Claims for damaged items in transit must be reported to the carrier, tour, transport or accommodation provider and a written report obtained where reasonably possible. If a written report is not provided, You must provide evidence that You have taken reasonable steps to obtain a report, such as emails, call logs or other reasonable evidence to the travel or accommodation provider.
Benefits will not be payable under more than one section or benefit of this Policy as a result of one Event. We will, however, pay the benefit type with the highest benefit amount. DEPRECIATION – PERSONAL BAGGAGE, VALUABLES, MONEY AND TRAVEL DOCUMENTS COVER We will apply depreciation (wear and tear) to determine the value of Your Personal Baggage and Valuables as specified in the table below. Depreciation considers an item’s age, damage or change that is caused to an item when it is used normally. Depreciation will be calculated from the date of purchase of the item until the date of claimable Event, based on the original purchase price. For example: If You purchased a Smartphone for $1,000, went on a Trip and the phone was stolen, We will calculate the number of months between the date You purchased Your phone and the claimable Event date. Suppose the number of months is 6, We will calculate the depreciation as follows: • (-Excess) + purchase price – deprecation = amount payable • Number of months = 6 • 6 multiplied by depreciation for Smartphone of 2.5% = 15% • Depreciation: $1,000 multiplied by 15% = $150 • Amount payable for Your stolen Smartphone: (-250) + $1,000 - $150 = $600

THE AMERICAN EXPRESS PLATINUM EDGE CARD 31 Depreciation Table Items Deduction for each month of age of the item at the time of Event Maximum Applicable Depreciation Electronic equipment 2.5% 65% Camera (including accessories) 2.5% 65% Sunglasses 1.5% 65% Smartphone 2.5% 65% Laptop 2.5% 65% Jewellery 0% 0% Sports equipment 2.0% 65% Cosmetics 2.5% 65% Clothing 1.9% 65% Other personal items 1.5% 65% EXCLUSIONS – PERSONAL BAGGAGE, VALUABLES, MONEY AND TRAVEL DOCUMENTS COVER (Please also refer to the General Exclusions Applicable to all Sections within this Policy.) We will not pay for or reimburse any costs arising from or relating to:

any items loaned, hired or entrusted to You;
loss, theft, criminal damage where there is insufficient evidence that You have taken reasonable steps to report the incident to the local police or appropriate issuing authority (in the case of Travel Documents). Such evidence includes details of the time and place You made the report, and the name and contact details of who You reported the loss, theft or criminal damage to (to the extent such details are within Your power to provide);
damaged items in transit where a written report from the carrier, tour, transport or accommodation provider is not provided and where You are unable to evidence that You have taken reasonable steps to obtain a written report from the carrier, tour, transport or accommodation provider. Such evidence includes emails and call logs to the carrier, tour, transport or accommodation provider or other reasonable evidence;
electrical or mechanical breakdown of items;
items left Unattended in a Public Place (unless You have no option other than to leave the items Unattended due to an emergency medical, security or evacuation situation);
Valuables or Money left Unattended in a motor vehicle (unless You have no option other than to leave the items Unattended due to an emergency medical, security or evacuation situation);
Personal Baggage or Travel Documents left Unattended and which are stolen from a motor vehicle if the items have not been locked in the Secure Area (unless You have no option other than to leave the Personal Baggage or Travel Documents Unattended due to an emergency medical, security or evacuation situation);
Valuables or Money within Your Personal Baggage checked in or stowed in the luggage hold of an airplane, ship, bus or train;
atmospheric or climatic conditions, wear and tear (damage that naturally and inevitably occurs as a result of normal wear or ageing), vermin, insects, rodents or any process of cleaning, repairing, restoring or alteration;
any business goods or specialised equipment relating to a trade or profession;

32 THE AMERICAN EXPRESSPLATINUMEDGECARD 11. the confiscation or destruction by order of any government or public authority; 12. any items sent under the provisions of any freight contract, postal, courier or similar service; 13. damage to fragile or brittle items unless caused by fire or resulting from an accident to an aircraft, sea vessel or motor vehicle; 14. any drones, sporting equipment, bicycles, surfboards or waterborne craft (including their ancillary equipment) of any description whilst in use; 15. any motor vehicle, motor vehicle accessories or parts, motorised or propelled vehicles such as scooters, electric bicycles or golf buggies; 16. shortages, errors, omissions, depreciation in value in respect of Money and Travel Documents; 17. any bonds, coupons, gift cards, stamps, vouchers, warranties, pre- loaded or rechargeable cards including but not limited to phone, debit or stored value cards; 18. loss of Money or Valuables from Your accommodation unless evidence is available of unauthorised entry to Your accommodation for example: evidence of Forcible Entry, key entry recording or CCTV footage; 19. any of the following: animals or plant life, antiques and historical artefacts, securities, or documents of any kind other than those within the definition of Money and Travel Documents, china, consumable or perishable items, contact or corneal lenses, dentures, glass, hearing aids, keys, musical instruments, pictures, photos; 20. lost or stolen cryptocurrency. EXCESS – PERSONAL BAGGAGE, VALUABLES, MONEY AND TRAVEL DOCUMENTS COVER As noted in the Schedule of Benefits. Section (F) Personal Liability Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility Table. Please refer to the Schedule of Benefits within this Policy to confirm the amount of cover available under this section. COVER – PERSONAL LIABILITY COVER

Personal Liability Cover If during Your Trip, You become unintentionally legally liable to pay compensation to someone (other than a member of Your family or a Close Relative) as a result of:
an injury or death to that person; or
accidental physical damage or loss to someone else’s tangible property We will pay or reimburse costs up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits for: a. Your legal costs b. damages that are recoverable from You; c. costs that are incurred with Our consent (which will not be unreasonably withheld or delayed); d. costs for legal representation at any coroner’s inquest or fatal accident inquiry or in a court of summary jurisdiction. TERMS AND CONDITIONS – PERSONAL LIABILITY COVER (Please also refer to the General Conditions Applicable to all Sections within this Policy.)
You must not admit liability, negotiate, make any promise, payment or settlement without Our prior written consent (which will not be unreasonably withheld, delayed or conditioned).
You must as soon as reasonably possible once You receive them, send Us every letter, claim, writ, summons, process, notice of any prosecution or inquest that relates to, or may give rise to, liability.
We may at any time make full and final settlement of any claim at Our cost up to the maximum limit as shown in the Schedule of Benefits pursuant of this Personal Liability Cover. If We do so, We will have no further liability in respect of such Event or Events except for the payment of costs and expenses incurred prior to the date of settlement.
We may make any investigation We deem necessary. EXCLUSIONS – PERSONAL LIABILITY COVER (Please also refer to the General Exclusions applicable to all Sections within this Policy.) We will not pay for or reimburse any costs arising from or relating to:
You intentionally incurring any liability;
injury to any person who is a member of Your family, a Close Relative or under a contract of service or apprenticeship with You;
loss of or damage to any material property belonging to You, or in Your care, custody or control, or belonging to a member of Your family, a Close Relative, or anyone under a contract of service or apprenticeship with You. This does not apply to loss of or damage to buildings and their contents temporarily occupied by You during a Trip;
liability You incur under a contract or agreement which You would not have in the absence of such contract or agreement;
any unlawful, wilful or malicious act by You and including any assault and/or battery committed by You;
aggravated, exemplary or punitive damages or the payment of any fine or penalty;
liability arising out of the transmission of a sexually transmittable disease or passing on an illness, virus or disease to another person;
liability arising directly or indirectly out of the ownership, possession, control or use by You or on Your behalf of: a. mechanically propelled vehicles, aircraft (including drones), hovercraft or watercraft (other than non-mechanically propelled watercraft less than 10 metres in length); b. firearms; or c. animals (other than horses and domestic pets);
injury or loss of or damage to material property arising directly or indirectly from: a. the ownership possession or occupation of land, immobile property or caravans other than as temporary accommodation in the course of a Trip;

THE AMERICAN EXPRESS PLATINUM EDGE CARD 33 b. the carrying on of any trade, business or profession; 10. liability arising directly or indirectly from Excluded Sports and Activities. EXCESS – PERSONAL LIABILITY COVER As noted in the Schedule of Benefits. Section (G) Card Purchase Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility Table. COVER – CARD PURCHASE COVER

Theft Or Damage Of an Eligible Item If Your Eligible Item is stolen or damaged within 90 days of purchase, We will: • pay You the reasonable costs for the Eligible Item to be repaired if it is practical and economic for the Eligible Item to be repaired; • if it is not practical and economic for You to have the Eligible Item repaired, We will reimburse You with the replacement amount not exceeding the original purchase price of the Eligible Item; up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. TERMS AND CONDITIONS – CARD PURCHASE COVER (Please also refer to the General Conditions Applicable to all Sections within this Policy.)
If an Eligible Item has been partially paid for with either Your American Express Card Account or by using Your corresponding American Express Membership Rewards points then We will only pay such percentage of the purchase price that was paid with Your American Express Card Account or Your corresponding American Express Membership Rewards points.
Any claims to a Pair or Set, if You agree to surrender the undamaged item(s) of the Pair or Set to Us and We agree to accept them, We will pay You the current replacement cost of the entire Pair or Set. If You do not agree to surrender the undamaged items, We will only be liable for the value of that part of a Pair or Set which has been lost, stolen, damaged or destroyed. For example, if one earring is stolen, We will only pay 50% of the cost of replacement earrings.
An Eligible Item which is left Unattended in a Public Place and which is not subsequently recovered will not constitute theft unless You have no option other than to leave the Eligible Item Unattended due to an emergency medical, security or evacuation situation.
If You purchase the Eligible Item as a gift for someone else, You may request for Us to pay a valid claim directly to the recipient of the gift.
You must provide Us with copies of invoices and/or receipts relating to the Eligible Item purchase. Upon request, You must also provide Us with the damaged Eligible Item or receipt as proof of mailing/shipping.
Claims for theft or criminal damage must be reported to the local police and a written report obtained where reasonably possible. If a written report is not provided, You must provide evidence that You have taken reasonable steps to report the theft or criminal damage including details of the time and place You made the report, and the name and contact details of who You reported the theft or criminal damage to (to the extent such details are within Your power to provide). EXCLUSIONS – CARD PURCHASE COVER (Please also refer to the General Exclusions applicable to all Sections within this Policy.) We will not pay for or reimburse any costs arising from or relating to:
damage to an Eligible Item wilfully damaged by You;
claims for theft or criminal damage where there is insufficient evidence that You have taken reasonable steps to report the incident to the local police. Such evidence includes details of the time and place You made the report, and the name and contact details of who You reported the theft or criminal damage to (to the extent such details are within Your power to provide);
an Eligible Item which is left Unattended in a Public Place unless You have no option other than to leave the Eligible Item Unattended due to an emergency medical, security or evacuation situation;
normal wear and tear (damage that naturally and inevitably occurs as a result of normal wear or ageing) to Eligible Items;
damage to an Eligible Item caused by product defects;
theft of or damage to an Eligible Item left Unattended in a motor vehicle, except when: i. the Eligible Item is locked out of sight in a Secure Area and Forcible Entry has been used by an unauthorised person to gain entry to the vehicle, and evidence of such Forcible Entry is available; or ii. You have no option other than to leave the Eligible Item Unattended due to an emergency medical, security or evacuation situation.
theft of or damage to jewellery, watches, precious metals and gemstones in baggage unless carried by hand and under Your personal supervision or under the supervision of a Travelling Companion;
theft of or damage to: a. animal or plant life, perishable goods (including but not limited to food, drugs, fuel or oil); b. software, operating systems or firmware; c. cash, its equivalents, traveller’s cheques, tickets or negotiable instruments; d. a boat, automobiles, motorboats, airplanes or any other motorised vehicles and their integral parts and installed accessories; e. second-hand items, including antiques. EXCESS – CARD PURCHASE COVER As noted in the Schedule of Benefits. Section (H) Card Refund Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility Table.

34 THE AMERICAN EXPRESSPLATINUMEDGECARD COVER – CARD REFUND COVER

Card Refund Cover For an unused Eligible Item If You purchase an Eligible Item from a retailer operating in Australia and with an Australian address, and within 90 days from the date You purchased the Eligible Item You try to return it, and the retailer will not take it back, provided the Eligible Item is unused, You can return it to Us and We will reimburse You with the replacement amount not exceeding the original purchase price of the Eligible Item. However, We will only pay up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. TERMS AND CONDITIONS – CARD REFUND COVER (Please also refer to the General Conditions Applicable to all Sections within this Policy.)
You must provide to Us copies of invoices and/or receipts relating to the Eligible Item. Upon request, You must also provide Us with the unused Eligible Item. EXCLUSIONS – CARD REFUND COVER (Please also refer to the General Exclusions applicable to All Sections within this Policy.) We will not pay for or reimburse any costs arising from or relating to:
an Eligible Item that is faulty;
an Eligible Item with a purchase price of $50 or less;
an Eligible Item purchased from the retailer where the retailer has an established return policy which provides the same or a better benefit than this benefit;
items purchased from a retailer outside of Australia;
an Eligible Item that can be returned to the retailer in accordance with rights provided by existing legislation;
jewellery; precious stones; rare and precious coins or stamps, one-of-a-kind items including antiques, artwork and furs, cash or its equivalents, travellers’ cheques, tickets, services, PDAs, Smartphones and accessories, recorded media (including but not limited to CDs, DVDs, computer software, video and audio tapes); books; animal and plant life; consumable and perishable goods (i.e. food items); healthcare items; used or rebuilt and refurbished items; sale or discounted items; motorised vehicles and their parts; land and buildings; items permanently affixed to home, office or vehicles. EXCESS – CARD REFUND COVER As noted in the Schedule of Benefits. Section (I) Buyer’s Advantage Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility Table. SPECIFIC DEFINITIONS – BUYER’S ADVANTAGE COVER Original Warranty means a manufacturer’s written warranty that does not exceed 5 years and is applicable within Australia to the Eligible Item. COVER – BUYER’S ADVANTAGE COVER You will receive cover for the breakdown or defect of an Eligible Item purchased, provided that such breakdown or defect would have been covered by the Original Warranty and occurs between the date that the Original Warranty expired and the end of the Buyer’s Advantage Period (see table below). Buyer’s advantage commences on expiry of the original manufacturer’s warranty. Where the Original Warranty period is: The Buyer’s Advantage Period is: 1 month 1 month commencing at the end of the Original Warranty Period (i.e. a combined warranty period of 2 months) 6 months 6 months commencing at the end of the Original Warranty Period (i.e. a combined warranty period of 12 months) 1 – 5 years 1 Year commencing at the end of the Original Warranty Period (i.e. a combined warranty period of 2-6 years) 5+ years No Cover

THE AMERICAN EXPRESS PLATINUM EDGE CARD 35 We will, after We first deduct the applicable Excess from Your claim, do one of the following: • pay You the reasonable costs to repair or rebuild the Eligible Item if it is practical and economic for the item to be repaired; • if it is not practical and economic for You to have the Eligible Item repaired or rebuilt, We will pay You the lesser of the original purchase price or the replacement cost of the Eligible Item; up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. TERMS AND CONDITIONS – BUYER’S ADVANTAGE COVER (Please also refer to the General Conditions Applicable to all Sections within this Policy).

You will need to provide a copy of the Original Warranty, the sales receipt and account statement showing the purchases as You need these in order to make a claim.
Claims to a Pair or Set, if You agree to surrender the undamaged item(s) of the Pair or Set to Us and We agree to accept them, We will pay You the current replacement cost of the entire Pair or Set. If You do not agree to surrender the undamaged items, We will only be liable for the value of that part of a Pair or Set which has been lost, stolen, damaged or destroyed. For example, if one earring is stolen, We will only pay 50% of the cost of replacement earrings. EXCLUSIONS – BUYER’S ADVANTAGE COVER (Please also refer to the General Exclusions applicable to all Sections within this Policy). We will not pay for or reimburse any costs arising from or relating to:
any loss or damage caused by a failure to take reasonable care to protect and maintain an Eligible Item against loss or damage or mitigate any loss or damage to the property;
any obligations, costs or losses beyond those set out in the Original Warranty;
any payments, costs, expenses or claims for bodily injury, property damage, consequential loss or damage, loss of profit, punitive damages or legal costs associated in any way with the product other than for parts or labour costs resulting from a covered breakdown or defect;
any costs for: a. an Eligible Item purchased in a business name or business owned or business related; b. a boat, automobiles, motorboats, airplanes or any other motorised vehicles and their integral parts and installed accessories; c. second-hand items, including antiques; d. real estate or immovable fixtures or fittings (including but not limited to integrated stove tops, integrated ovens and fixed air conditioners) which are, or are intended to form part of any residential home. Excess Applicable To Buyer’s Advantage Cover As noted in the Schedule of Benefits. Section (J) Smartphone Screen Cover This benefit is only available when You meet the eligibility criteria set out in the Eligibility Table. COVER – SMARTPHONE SCREEN COVER
Smartphone Screen Cover Where You make a Qualifying Smartphone Screen Purchase, You are eligible to receive reimbursement of the repair cost when Your Smartphone suffers front screen breakage resulting from an accidental drop or impact. We will only pay up to the maximum relevant cover section limit inclusive of sub-limits as shown in the Schedule of Benefits. For the purposes of this cover section: • Smartphone Data Plan does not include pre-paid, top up or add-on plans or purchases; • Smartphone does not mean tablets or smart watches; and • Smartphones purchased new more than 3 years before the relevant claim Event are not eligible for cover. TERMS AND CONDITIONS – SMARTPHONE SCREEN COVER (Please also refer to the General Conditions Applicable to all Sections within this Policy.)
Reimbursement is restricted to 2 eligible claims in any 365 day period beginning when the first claim Event occurs. EXCLUSIONS – SMARTPHONE SCREEN COVER (Please also refer to the General Exclusions applicable to All Sections within this Policy). We will not pay for or reimburse any costs arising from or relating to:
replacement of any other parts of the Smartphone other than the glass or plastic front screen unless the manufacturer’s authorised process determines a replacement by way of a like for like refurbished Smartphone of the exact model;
Smartphone screen breakage resulting from: a. any process of cleaning, servicing, inspection, maintenance, adjustment or repair; b. breach of the manufacturer’s operating or guidance instructions; c. wear and tear or gradual deterioration of the equipment, or any damage that cannot be attributed to a single incident; d. corrosion, rust, condensation or evaporation, dampness, dust or change in temperature, unless directly attributed to sudden and unforeseen damage; e. any wilful act, misuse or negligent use of the equipment by You or anyone authorised by You to use the equipment; f. any unlawful act committed or attempted by You or by anyone authorised by You to use the equipment;
Smartphone screen breakage if You have not made a Qualifying Smartphone Screen Purchase;
a Smartphone which was purchased new more than 3 years before the relevant claim Event.

36 THE AMERICAN EXPRESSPLATINUMEDGECARD EXCESS – SMARTPHONE SCREEN COVER 10% of the repair cost General Exclusions Applicable To Sections A–J above These exclusions apply to all covers described in this Policy unless specified otherwise. They are listed in no particular order. There are also specific exclusions which You can find under each cover section. Common Exclusions We will not pay for or reimburse any costs under any section of this Policy arising from or relating to:

any person who is not a Resident of Australia;
any costs with respect to Cuba;
direct or indirect, actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release of or exposure to any hazardous biological, chemical, nuclear or radioactive material, gas, matter or contamination;
Insolvency of any person, company or organisation, including but not limited to a travel agent, tour operator, accommodation provider, airline or other carrier, vehicle rental agency or any other travel or tourism services provider
any loss of enjoyment or any financial loss not specifically covered under this Policy;
any loss which is recoverable from any other source including another insurance policy covering the same Event or through compensation under any other workers compensation act, transport accident laws or any other applicable similar legislation or by Government sponsored fund, plan, medical benefit scheme required to be effected by or under a law; Medical and Health Exclusions We will not pay for or reimburse any costs under any section of this Policy arising from or relating to:
any Pre-existing Medical Conditions;
You, a Travelling Companion’s or Close Relative’s Terminal Illness which was diagnosed before You made Your Qualifying Travel Purchase;
any costs arising directly from You being unfit to travel if You knew, or a reasonable person in Your circumstances would have known, that You were unfit to travel (whether or not You had sought medical advice);
Treatment from, or medical advice given, by a legally registered doctor or a legally registered dentist who is You or Your Close Relative except in a life-threatening emergency; Trip Exclusions We will not pay for or reimburse any costs under any section of this Policy arising from or relating to:
circumstances when after You made Your Qualifying Travel Purchase, You start a Trip against the following advice: i. for an International Return Trip: when an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) have issued a travel advisory warning, advising You to ‘Do Not Travel’ or that borders are closed, for the destination You planned to travel to. Please refer to who. int, smartraveller.gov.au, dfat.gov.au or other government sites for further information. This exclusion applies even if You have been granted a travel exemption by an Australian State or Territory, the Australian Federal Government or an Australian government agency (such as DFAT) to travel; ii. for a Domestic Return Trip: when an Australian State, Territory, the Australian Federal Government or an Australian government agency (such as DFAT) have issued an official written government statement advising You not to travel to Your destination, or that borders are closed for the destination You had planned to travel to; or iii. when a Doctor has deemed You unfit to travel;
Trips that do not start and end in Australia;
any One-Way Trip where You are unable to provide reasonable evidence of Your intention to return to Your Home or Your Work. Such evidence may include providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return to Work dates;
Trips you take if You are 80 years of age or older when You made Your Qualifying Travel Purchase;
a Domestic Return Trip that is less than 150 kilometre radius from Your Home; Conduct Exclusions We will not pay for or reimburse any costs under any section of this Policy arising from or relating to:
being under the influence of alcohol whilst operating a motor vehicle, where You have a recorded blood alcohol concentration (BAC) greater than the limit prescribed by the applicable governing authority, or at all other times having a recorded blood alcohol concentration (BAC) greater than 0.10%;
taking of any drug, medication, narcotic or hallucinogen, unless as prescribed by a Doctor and taken in accordance with the prescription and Doctors’ advice but is not for the treatment of addiction to illegal drugs;
intentionally self-inflicted injury or suicide (or any attempt thereof);
commission of or attempt to commit an illegal act by or on behalf of You or Your beneficiaries. This exclusion does not apply to any Covered Person who is not the perpetrator of any such illegal act, or who did not know of or condone any such act; Activity Exclusions We will not pay for or reimburse any costs under any section of this Policy arising from or relating to:
Your participation, involvement or taking part in Excluded Sports and Activities while on a Trip;
any costs where You are participating in a sporting event with an appearance fee, wage, salary or prize money which in total is an amount equal to 15% of Your annual income from all sources. Participation includes training for, coaching or otherwise competing in that sporting event;

THE AMERICAN EXPRESS PLATINUM EDGE CARD 37 22. travel into hazardous work sites (e.g. underwater, mines, construction sites, oilrigs, etc.); 23. service in armed forces (military, naval or air service) of any country except Australia where cover applies for Cancellation, Curtailment or Trip Change under Section A – Trip Cancellation and Amendment Cover (specified Event number 4); 24. participation in any military or emergency services such as police or fire-fighting; 25. activities undertaken as an operator or crew member of any form of transport; 26. flying in military aircraft or any aircraft which requires special permits or waivers; 27. You are riding a motorcycle: a. without wearing a helmet (either as a driver or passenger); b. as the driver without being licensed in both Australia and the country of travel to drive such a motorcycle; or c. whilst racing or participating in a professional capacity or motocross; World Event Exclusions We will not pay for or reimburse any costs under any section of this Policy arising from or relating to: 28. declared or undeclared war or any act thereof; however, any act committed by an agent of any government, party or faction engaged in war, hostilities or other warlike operations provided such agent is acting secretly and not in connection with any operation of armed forces (whether military, naval, or air forces) in the country where the injury occurs will not be deemed an act of war; 29. an act of Terrorism except when such Event occurs under the cover in Section B – Personal Accident Cover or Section D – Medical Emergency Expenses Cover of this Policy; Pregnancy and Childbirth Exclusions We will not pay for or reimburse any costs under any section of this Policy arising from or relating to: 30. childbirth or any newborn child, meaning a newborn (whether premature or otherwise) is not considered a Covered Person under this Policy if the child was born on the Trip; 31. pregnancy in the following circumstances: a. any past medical condition(s) relating to a previous pregnancy or if You have experienced pregnancy complications prior to You making Your Qualifying Travel Purchase; b. for any costs under Section D – Medical Emergency Expenses Cover or Section A – Trip Cancellation and Amendment Cover within 8 weeks of Your estimated date of delivery; c. for any costs under Section D – Medical Emergency Expenses Cover arising from or relating to an abortion, unless an abortion is medically necessary to protect the health and safety of the mother following an Injury or Illness, as determined by a treating Doctor; d. for any costs under Section D – Medical Emergency Expenses Cover arising from fertility treatment or treatment associated with an assisted reproduction program including but not limited to, in vitro fertilisation (IVF). General Conditions Applicable To All Sections

You must not agree to limit or exclude any right of recovery You may have against a third party for loss, damage or liability that is or may be subject to a claim under this cover. You agree that We have the right to pursue Your rights of recovery against a third party (where permitted by law) for loss, damage or liability that is or is likely to be subject to a claim under this cover and You must reasonably assist Us to do so.
If You make a claim under this cover, You must provide Us with details of all other insurances that You are aware of that may cover the loss, damage or liability that is subject to the claim.
No amount payable under this cover will carry interest unless payment has been unreasonably delayed following Our receipt of all the required information, documents or other evidence necessary to support the claim.
You must take all reasonable measures to avoid or minimise any claim. How To Make A Claim In the event of a medical emergency or for travel assistance whilst overseas, or for other Assistance Services (legal assistance, roadside assistance or Home Assistance) call Chubb Assistance on +61 2 8907 5666. Non-emergency – Making a claim is quick and easy. You can submit Your claim online by visiting the Chubb Claims Centre for American Express: www.americanexpress.com/australia/claims. If You cannot lodge a claim online, please contact Us on 1800 236 023 or +61 2 9335 3492 for a claim form. What will I need to submit a claim online? When making a claim You will need to provide:
Your American Express Card Account number.
Your email address or alternative contact information, which allows Us to give You real-time updates on Your claim status or contact You for additional information.
supporting documents. The documents reasonably required vary based on claim type, but may include any relevant: • proof that You have made a Qualifying Purchase; • medical or Doctors’ reports; • receipts or other proof of expenses; • proof of earnings that are being claimed; • reports that have been obtained by the police; accommodation provider or transport provider about the loss, theft or damage;

38 THE AMERICAN EXPRESSPLATINUMEDGECARD • product warranties or bank statements; • photographs or quotes; • additional evidence that We may reasonably request to enable Us to assess Your claim; and • intended payee information, which allows Us to quickly make approved payments. 4. disclose to Us details of any other insurance cover under which You may be entitled to claim. What should I do before I submit a claim?

Take all reasonable steps to mitigate any further losses or unreasonable and unnecessary expenses, including notifying Chubb Assistance as soon as practically possible, if You are admitted to hospital or You anticipate medical or additional accommodation or travel expenses.
Claims for loss, theft or criminal damage must be reported to the local police and a written report obtained where reasonably possible. If a written report is not provided, You must provide evidence that You have taken reasonable steps to report the loss, theft or criminal damage including details of the time and place You made the report, and the name and contact details of who You reported the loss, theft or criminal damage to (to the extent such details are within your power to provide). When should I notify Chubb of my claim? You should advise Us as soon as possible of an occurrence or an Event which could lead to a claim, or within 30 days of the Event taking place which gives rise to a claim, or as soon as reasonably practical. Will I need to undertake a medical examination? If required and to enable Us to confirm if some of the benefits sections under this Policy respond or continue to respond to an Event, We may need to arrange for You to undertake a medical examination at Our expense when and as often as We may reasonably require. Can I claim under this Policy if I can claim for the same expense under another insurance Policy e.g. my private health insurance? If You wish to submit Your claim under this Policy, please advise Us if You have already made a claim under any other insurance policies or tell Us if You have any insurance policies in place which might respond to Your loss. As a general rule, the amount You can recover for Your expenses under this Policy or any other policies cannot exceed Your expenses. Can I claim expenses that I have incurred in obtaining evidence to submit with my claim? No, expenses incurred by You in obtaining evidence for Us to assess Your claim cannot be claimed as an expense under this Policy. These expenses are payable by You. Can I admit liability if an Event occurs under the Personal Liability cover section which may give rise to a claim? No, You (or Your legal representative) should not make any offer, promise of payment or admit any liability without written consent from Us (where such consent will not be unreasonably withheld or delayed). You should request the claim against You be put in writing. Do I need to help Chubb make recoveries for any amounts paid under this Policy? Yes, You may need to help Us to make recoveries of any amounts that We pay You under this Policy. We have the right to sue any other party in Your name to recover money payable or paid under this Policy, or to choose to defend any action brought against You. You must provide reasonable assistance to Us in this regard. How long will it take for my claim to be assessed? Once all evidence to support Your claim has been submitted, if We approve Your claim, We will settle Your claim within 10 business days. If my claim is approved, how long will it take for me to receive payment? Once We have approved Your claim, if there is an associated payment due to You, We will issue the payment within 5 business days. If I die, will my estate be able to claim under this Policy? Yes, if Your Policy provides cover in the event of Your death, Your estate will be able to make a claim under this Policy. I don’t have internet access / an email address to submit my claim online; can I still submit a claim? Yes, however this may increase the time taken to assess Your claim. You can call Us on 1800 236 023 to request a claim form to be mailed out to You which can then be mailed back to Us. Hours of operation: 8:30am to 5pm Monday to Friday. General Information About This Policy The cover provided is subject to the terms, conditions and exclusions outlined in this Policy. If You make a claim, You are bound by them and must follow the claims procedures of this Policy. Group Policy with Chubb American Express Australia Limited (ABN 92 108 952 085, AFS Licence No.

of 12 Shelley Street, Sydney NSW 2000 (“American Express”) is the insured under the Group Policy. Under the Group Policy entered into between American Express and Chubb, You get access to a range of insurance benefits detailed in this document. American Express has the right to terminate the Group Policy, cancel or suspend any insurance benefits, in which case You will no longer receive the insurance benefits. We will notify You as soon as reasonably possible if We take any of these actions. Under the Group Policy entered into between American Express and Chubb, You get automatic access where You have met the eligibility requirements set out in the Eligibility Table, to the benefits detailed in this Policy provided by Chubb as the insurer. You are not charged by Chubb for these benefits and can access the relevant benefits if You are a Card Member. This Policy replaces and supersedes any Policy previously issued prior to the effective date.

THE AMERICAN EXPRESS PLATINUM EDGE CARD 39 Section 48 of the Insurance Contracts Act Access to this insurance is provided to You solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth). You are not a contracting insured (i.e. You cannot vary or cancel the cover – only American Express can do this) and You do not enter into any agreement with Us. American Express is not the insurer, does not guarantee or hold this right on trust for You and does not act as Chubb’s agent (that is, on behalf of Chubb). Neither American Express nor any of its related corporations are Authorised Representatives (under the Corporations Act 2001 (Cth)) of Chubb or any of its related companies. No Advice American Express is not authorised to provide any advice, recommendations or opinions about this insurance on behalf of Chubb. No advice is provided by Chubb on whether this insurance is appropriate for Your needs, financial situation or objectives. You should read these terms and conditions carefully and contact Chubb if assistance is required. Any general advice that may be contained within this Policy does not take into account Your individual objectives, financial situation or needs. You need to decide if the limits, type and level of cover are appropriate for You. Updating this Policy Information in this Policy may be updated where necessary. A copy of any updated information is available to You at no cost by visiting the website at https:/ /www.americanexpress.com/au/insurance/insurance-with-your- card/. Chubb will issue a new document or a supplementary document to American Express to advise of a change to the existing terms and conditions or to make any necessary corrections. Other Insurance If You are entitled to receive a benefit or make a claim under another insurance policy in respect of the same loss as Your claim under this Policy (for example a home and contents policy, an alternative mobile phone policy or the American Express Travel Insurance Policy Wording and Product Disclosure Statement), then Chubb is not liable to provide indemnity under this Policy until the amount of any indemnity under the other policy is exhausted. Therefore, any insurance cover under this Policy in respect of the same loss will only be excess insurance cover over and above the applicable policy. Privacy Statement In this Statement “We” , “Our” and “Us” means Chubb Insurance Australia Limited ( Chubb ). “American Express” means American Express Australia Limited, its subsidiaries and affiliates. “You” and “Your” refers to Our customers and prospective customers as well as those who use Our website. This Statement is a summary of Our Privacy Policy and provides an overview of how We collect, disclose and handle Your Personal Information. It also tells you about how we exchange Personal Information with American Express. Our Privacy Policy may change from time to time and where this occurs, the updated Privacy Policy will be posted to Our website at: https:/ /www.chubb.com/au-en/footer/privacy.html. Chubb is committed to protecting Your privacy. Chubb collects, uses and retains Your Personal Information in accordance with the requirement of the Privacy Act 1988 (Cth) and the Australian Privacy Principles ( APPs ), as amended or replaced from time-to-time. Why We collect Your Personal Information The primary purpose for Our collection and use of Your Personal Information is to enable Us to provide insurance services to You. Sometimes, We may use Your Personal Information for Our marketing campaigns and research, in relation to new products, services or information that may be of interest to You. How We obtain Your Personal Information We collect Your Personal Information (which may include sensitive information) at various points including, but not limited to, when You are applying for, changing or renewing an insurance policy with Us or when We are processing a claim. Personal Information is usually obtained directly from You, but sometimes via a third party such an insurance intermediary or Your employer (e.g. in the case of a group insurance policy). Please refer to Our Privacy Policy for further details. When information is provided to Us via a third party We use that information on the basis that You have consented or would reasonably expect Us to collect Your Personal Information in this way. We take reasonable steps to ensure that You have been made aware of how We handle Your Personal Information. When do We disclose Your Personal Information? We may disclose the information We collect to third parties, including: • the policyholder (where the insured person is not the policyholder, i.e., group policies); • service providers engaged by Us to carry out certain business activities on Our behalf (such as claims assessors, call centres in Australia, online marketing agency, etc); • intermediaries and service providers engaged by You (such as current or previous brokers, travel agencies and airlines); • government agencies (where We are required to by law); • other entities within the Chubb group of companies such as the regional head offices of Chubb located in Singapore, UK or USA (Chubb Group of Companies); and • third parties with whom We (or the Chubb Group of Companies) have sub-contracted to provide a specific service for Us, which may be located outside of Australia (such as in the Philippines or USA). These entities and their locations may change from time-to-time. Please contact Us, if You would like a full list of the countries in which these third parties are located.

40 THE AMERICAN EXPRESSPLATINUMEDGECARD In the circumstances where We disclose Personal Information to the Chubb Group of Companies, third parties or third parties outside Australia We take steps to protect Personal Information against unauthorised disclosure, misuse or loss. Exchanging Personal Information with American Express American Express is the holder of the Group Policy under which Your Card insurance benefits are provided. We may share and receive Personal Information from American Express in order to manage and administer the Group Policy and insurance benefits, manage and pay claims, resolve complaints, manage litigation, respond to requests from third parties (including regulators and media), and to develop and improve our products and customer service. American Express handles all Personal Information strictly in accordance with the Terms & Conditions and Privacy Statement applicable to your Card. Your Decision to Provide Your Personal Information In dealing with Us, You agree to Us using and disclosing Your Personal Information, which will be stored, used and disclosed by Us as set out in this Privacy Statement and Our Privacy Policy. Access to and Correction of Your Personal Information Please contact Our customer relations team on 1800 815 675 or email CustomerService.AUNZ@chubb.com if You would like: • a copy of Our Privacy Policy, or • to cease to receive marketing offers from Us or persons with whom We have an association. To request access to, update or correct Your Personal Information held by Chubb, please complete this Personal Information request form and return to: Email: CustomerService.AUNZ@chubb.com Address: GPO Box 4907 Sydney NSW 2001 How to Make a Complaint If You have a complaint or would like more information about how We manage Your Personal Information, please review Our Privacy Policy at: https:/ /www.chubb.com/au-en/footer/privacy.html for more details, or contact: Privacy Officer Chubb Insurance Australia Limited GPO Box 4907 Sydney NSW 2001 +61 2 9335 3200 Privacy.AU@chubb.com. Complaints and Dispute Resolution Process We understand that You could be dissatisfied with Our organisation, Our products and services, or the complaints handling process itself. We take all Our customers’ concerns seriously and have detailed below the complaints process that You can access. Complaints and Customer Resolution Service Contact Details If You are dissatisfied with any aspect of Your relationship with Chubb including Our products or services and wish to make a complaint, please contact Our Complaints and Customer Resolution Service ( CCR Service ) by post, phone, fax, or email, (as below): Complaints and Customer Resolution Service Chubb Insurance Australia Limited GPO Box 4065 Sydney NSW 2001 P +61 2 9335 3200 F +61 2 9335 3411 E complaints.AU@chubb.com Our CCR Service is committed to reviewing complaints objectively, fairly and efficiently. Process Please provide Us with Your claim or policy number (if applicable) and as much information as You can about the reason for Your complaint. Our response We will acknowledge receipt of Your complaint within one (1) business day of receiving it from You, or as soon as possible. Following acknowledgement, within two (2) business days We will provide You with the name and relevant contact details of the CCR Service team member who will be assigned to liaise with You regarding Your complaint. We will investigate Your complaint and keep You informed of the progress of Our investigation at least every ten (10) business days and will make a decision in relation to Your complaint in writing within thirty (30) calendar days. If We are unable to make this decision within this timeframe, We will provide You with a reason for the delay and advise of Your right to take Your complaint to the Australian Financial Complaints Authority ( AFCA ) as detailed below, subject to its Rules. If Your complaint falls outside the AFCA Rules, You can seek independent legal advice or access any other external dispute resolution options that may be available to You. To the extent allowable at law, if You request copies of the information We relied on to make a decision about Your complaint, We must provide it within ten (10) business days of Your request. Please see the General Insurance Code of Practice 2020 (https:/ /insurancecouncil.com.au/cop/) or contact Us for further details. Please note that if We have resolved Your complaint to Your satisfaction by the end of the fifth (5th) business day after We have received it, and You have not requested that We provide You a response in writing, We are not required to provide a written response. However, this exemption does not apply to complaints regarding a declined claim, the value of a claim, or about financial hardship. External Dispute Resolution If You are dissatisfied with Our complaint determination, or We are unable to resolve Your complaint to Your satisfaction within thirty (30) days, You

THE AMERICAN EXPRESS PLATINUM EDGE CARD 41 may refer Your complaint to AFCA, subject to its Rules. AFCA is an independent external dispute resolution scheme approved by the Australian Securities and Investments Commission ( ASIC ). We are a member of this scheme and We agree to be bound by its determinations about a dispute. AFCA provides fair and independent financial services complaint resolution that is free to consumers. You may contact AFCA at any time at: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 P 1800 931 678 (free call) F +61 3 9613 6399 E info@afca.org.au W www.afca.org.au Time limits may apply to complain to AFCA and so You should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to Your circumstances expires. Financial Claims Scheme We are an insurance company authorised under the Insurance Act 1973 (Cth) ( Insurance Act ) to carry on general insurance business in Australia by the Australian Prudential Regulation Authority ( APRA ) and are subject to the prudential requirements of the Insurance Act. The Insurance Act is designed to ensure that, under all reasonable circumstances, fi nancial promises made by Us are met within a stable, efficient and competitive fi nancial system. Because of this We are exempted from the requirement to meet the compensation arrangements Australian fi nancial services licensees must have in place to compensate retail clients for loss or damage suffered because of breaches by the licensee or its representatives of Chapter 7 of the Corporations Act 2001 (Cth). We have compensation arrangements in place that are in accordance with the Insurance Act. In the unlikely event that We were to become insolvent and were unable to meet Our obligations under the Policy, a person entitled to claim may be entitled to payment under the Financial Claims Scheme. Access to the Scheme is subject to eligibility criteria. Please refer to www.fcs.gov.au for more information. General Insurance Code of Practice We are a signatory to the General Insurance Code of Practice (Code). The objectives of the Code are to further raise standards of service and promote consumer con fi dence in the general insurance industry. Further information about the Code and Your rights under it is available at https:/ / insurancecouncil.com.au/cop/ and on request. As a signatory to the Code, We are bound to comply with its terms. As part of Our obligations under Parts 9 and 10 of the Code, Chubb has a Customers Experiencing Vulnerability & Family Violence Policy (Part 9) and a Financial Hardship Policy (Part 10) at https:/ /www.chubb.com/au-en/customer-service/ support-for-customers-in-need.html. The Code is monitored and enforced by the Code Governance Committee. Sanctions This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims. All other terms and conditions of this policy remain unchanged. Chubb is a subsidiary of a US company and Chubb Limited, a NYSE listed company. Consequently, Chubb is subject to certain US laws and regulations in addition to EU, UN and national sanctions restrictions which may prohibit it from providing cover or paying claims to certain individuals or entities or insuring certain types of activities related to certain countries such as but not limited to Iran, Syria, North Korea, North Sudan, Crimea and Cuba.

A THE AMERICAN EXPRESS EXPLORER CARD Terms and Conditions American Express Australia Limited ABN 92 108 952 085. ® Registered Trademark of American Express Company.

Source: https://www.americanexpress.com/content/dam/amex/au/staticassets/text/platinum-edge-travel-credit/Travel-Credit-Conditions.pdf

American Express ® Platinum Edge Credit Card Travel Credit Terms and Conditions Effective from 1 March 2026

As a Primary American Express Platinum Edge Card Member, you are eligible for one $200 travel credit (Travel Credit) each anniversary year. Additional or Supplementary Card Members do not receive aTravel Credit.
You may only use the Travel Credit for one travel booking each anniversary year on Eligible Bookings.
Eligible Bookings are a single travel booking of $200 or more on your eligible Primary Card for selected flight, hotel or car hire when you prepay in advance, made online at americanexpress.com.au/travel and where the Travel Credit is selected at checkout. Payment of any fees and charges associated with changes or cancellation (whether charged by us or any travel supplier) are excluded.
Your Travel Credit will expire if you do not use it during the relevant anniversary year.
You may only use one Travel Credit per booking, even if you hold multiple American Express® Cards with a Travel Credit benefit.
You must be able to pay for the booking in full on your eligible Card to access the Travel Credit benefit. Your Account must be in good standing and you must have paid the Annual Fee and minimum payment by the due date. If you cancel your Card, change your rewards program or Card type, you will no longer be eligible for the Travel Credit.
If your Account is enrolled in the Care or Financial Relief Program and your Card has been temporarily deactivated, you will not be able to use the Travel Credit until you exit the relief program and re-activate your Card.
Travel Credit bookings are subject to the relevant travel supplier terms and conditions, and may incur change or cancellation fees from the travel supplier and American Express.
If your booking is cancelled, and your Travel Credit has already been used and associated statement credit applied to your Account, you will forfeit your annual Travel Credit benefit and Amex may reverse the statement credits issued in the relevant anniversary.
Your booking will be charged in full to your Platinum Edge Card and American Express will then credit $200 to your Account within 3 business days but may take up to 30 days.
The Travel Credit must be used in good faith and cannot be sold or otherwise transferred for value. The Travel Credit may be forfeited if we reasonably determine that you are seeking payment, compensation or other value for your Travel Credit. Travel services provided by American Express International, Inc. ABN 15 000 618 208. Incorporated with Limited Liability in Delaware, USA.

American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence and AFS Licence No. 291313. ® Registered Trademark of American Express Company. All information correct at 1 March 2026 AEX8732 03/26

Source: https://www.americanexpress.com/en-au/rewards/membership-rewards/terms

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Marriott: Marriott Points Transfers are temporarily unavailable. During this time, our Customer Service team is also unable to assist with transfers over the phone or chat. We apologise for any inconvenience this may cause.

The Membership Rewards program offers a breadth of rewards so you can propel your journey – wherever it takes you. Earn Membership Rewards points on most everyday purchases, then use points for gift cards, travel rewards, or even to cover recent Card charges. T&Cs apply.

EXPLORE FEATURED REDEMPTIONS

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You can now use your Membership Rewards® points to shop online at Myer. Pay for your purchase at checkout with points or a combination of Points & Pay1. Minimum redemption amounts and T&Cs apply.

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Use your points to pay for your purchases2 at a wide range of online stores. From travel, to tech, to fashion and department stores, you’ll be spoilt for choice.
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Transfer your Membership Rewards® points to ALL Accor
Transfer your Membership Rewards® points to ALL Accor and redeem for stays and experiences at 5,600+ hotels worldwide. Minimum redemption and T&Cs apply.
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Use points to shop online at Myer
You can now use your Membership Rewards® points to shop online at Myer. Pay for your purchase at checkout with points or a combination of Points & Pay1. Minimum redemption amounts and T&Cs apply.
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Shop online and Pay with Points
Use your points to pay for your purchases2 at a wide range of online stores. From travel, to tech, to fashion and department stores, you’ll be spoilt for choice.
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Turn your Membership Rewards® into Everyday Rewards
Get $10 off your Woolworths shop for every 2,500 Membership Rewards points you transfer. Minimum redemption and T&Cs apply.
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Give the gift of Gift Cards
Redeem your points for your choice of Gift Cards from your favourite brands.4
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Take advantage of Cover Charges with Points by using points to pay off your Card transactions.3

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With no caps, you can earn points on eligible spend

No Expiry

Continue to earn and grow your points every year

Flexible

Redeem for almost anything on points

How to Redeem Membership Rewards Points

Use Points to Travel

Use Points to Transfer to Partners Use Points to book with Amex Travel Online

Transfer your Membership Rewards points to a wide range of Airline Rewards and Frequent Guest Partner Programs5.

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Use your Membership Rewards points to pay for your next flight, prepaid hotel or car rental when you book with Amex Travel Online6.

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Use Points for Purchases

Cover Charges with Points Use Points for Credit

Membership Rewards gives you the freedom to use your points to cover almost anything you've purchased on your Card3.

Redeem your points for a credit to your Card, then use this additional credit to buy whatever you like. Amounts credited will appear on the first billing statement following redemption7.

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Use Points for Gift Cards

Redeem your Membership Rewards points for Gift Cards from leading brands and retailers across fashion, dining, live entertainment and movies, wellness, health services and more4.

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Use Points to Pay

Use your Membership Rewards points to make purchases online and shop at your favourite brands2.

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How to Earn Points

Explore the different ways to earn Membership Rewards points

Use your Card for everyday purchases like petrol, grocery shopping and eating out

Add Additional Cards for your family and friends to earn points on their spend. T&Cs apply7

Refer a Friend and you could both earn Bonus Points

Check Amex Offers for Bonus Points offers

Ready to Start Earning Points

Explore our lineup of American Express Membership Rewards Cards

Expect rewards after you apply and are approved for an eligible American Express® Card. You can earn Membership Rewards points for just spending on certain categories, depending on your Card. Terms and Conditions apply.

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Membership Rewards FAQs

What is Membership Rewards?

Membership Rewards is the loyalty program of American Express. For every eligible dollar spent on an eligible American Express Card, Membership Rewards points are earned and credited to your Card Account. Points can then be redeemed for travel rewards, shopping rewards and entertainment rewards and more. There’s no limit to how many Membership Rewards points you can earn. And as long as you’re an active Card Member and your account is in good standing, points will never expire. Subject to the Terms and Conditions of the Membership Rewards program.

How do I redeem my points?

Redeem your points by logging in to your Membership Rewards Dashboard where you can browse the different redemption options available. Once logged in, follow the prompts on screen to use your points on the redemption option you choose. Your Membership Rewards points can be redeemed for eligible flights, accommodation, gift cards, shopping and more. Subject to the Terms and Conditions of the Membership Rewards program.

What can I redeem my points for?

You can redeem your points for a range of rewards as listed on this page: gift cards, transfer points to airline and hotel partners, shop with points at select retailers or cover your card charges to pay off your statement. Membership Rewards redemptions span across travel, retail, entertainment and dining categories. Subject to the Terms and Conditions of the Membership Rewards program.

How do I enrol in Membership Rewards?

Choose a Card that earns Membership Rewards points here. Depending on your Card, you may be instantly enrolled in Membership Rewards. If your Card is not automatically enrolled in Membership Rewards, you can do so by calling the number at the back of your Card. For Corporate Card holders, you may enrol in Membership Rewards if your Company has chosen to participate in the program. Speak to your Program Administrator for more information .

How do I earn points?

You can earn Membership Rewards points for virtually every dollar you spend on your Card. Use your Card for everyday purchases and watch your points add up. With every spend, you earn points and the number of points you can earn is limitless. As long as your Card is in good standing, your points will never expire. Subject to the Terms and Conditions of the Membership Rewards program.

How do I earn points quickly?

To quickly earn Membership Rewards points, follow the below tips:

Earn points from everyday purchases. From a coffee to a larger grocery shop, they all add up.
Add Additional Cards to your account so that their spend accumulates points for your Account
Refer a friend to get Bonus Points
Check Amex offers for Bonus Points offers.

Subject to the Terms and Conditions of the Membership Rewards program.

How do I check my points Balance?

You can check your points balance by logging in to your Membership Rewards Dashboard. There you will be able to see your points balance, your history of points redeemed as well as view the redemption options available.

What is the Membership Rewards Ascent Program?

The Membership Rewards Ascent program is available on a range of Personal and business Cards: Platinum Edge Credit Card and the Gold Business Card. It offers a range of redemption options. If you are enrolled in the Ascent program, log in to the Membership Rewards Dashboard to see the redemptions available to you.

Still have more questions? Visit Membership Rewards FAQs

Membership Rewards Terms and Conditions

View full Terms and Conditions:

Membership Rewards Terms and Conditions – Consumer:

Membership Rewards Terms and Conditions – Business and Corporate:

Qantas Direct Terms and Conditions:

1. You may use Points to make purchases at Myer. You need to indicate at the time of purchase that you wish to Pay with Points. Individual retailers provide specific delivery and refund polices. Refund policies for Pay with Points retail Partners are subject to the Terms and Conditions of the retail Partner. The retailers’ conditions and refund policies may be amended by the retailers from time to time.

2. You may use Points to make purchases at certain retailers listed on our website. You need to indicate at the time of purchase that you wish to Pay with Points. Individual retailers provide specific delivery and refund polices. Refund policies for Pay with Points retail Partners are subject to the Terms and Conditions of the retail Partner. The retailers’ conditions and refund policies may be amended by the retailers from time to time.

3. Cover Charges with Points. For each successful transaction using Cover Charges with Points, points will be debited from your Membership Rewards account and a credit placed on your Card in line with the points chosen to be used for the Eligible Charge. A minimum of 1,000 Membership Rewards points is required to cover any eligible transaction with points. Any credit to your Card account cannot exceed the amount of the relevant Eligible Charges. A credit will appear on your statement identified as “Membership Rewards Credit”. Points will be debited immediately and the credit will take up to 3 business days to appear online. Credits processed after the Card account’s statement closing date will appear in the following statement. You are still responsible for payment of the amount due on your Card account by the due date. Any charges covered by points is not redeemable for cash via Credit balance refund. American Express will select and display each eligible charge that can be covered with points (“Eligible Charge”) and the points rate required to cover the Eligible Charge. Each Eligible Charge must: (a) appear within the Online Statement of the Summary of Accounts page; (b) be redeemed within 2 months of the charge appearing on your Card account; (c) not currently or have previously been disputed; and (d) not be a fee. Eligible Charges, including the points rate required to pay for the Eligible Charge, may be changed at any time without notice. Eligible transactions can be covered by points via your online account or American Express mobile app. Covering charges with points is available only to Basic Cardmembers enrolled in the Australian Membership Rewards program and is subject to the full Membership Rewards Terms and Conditions. Authorised agents, authorised account managers, additional Cardmembers and Authorised Additional Cardmembers are not eligible. All Linked Card accounts must be in good standing.

4. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of minimum 3 years from the date of issue, unless otherwise stated. We are not responsible if any Gift Card is lost, stolen, or destroyed, or the Gift Card is used without your permission. Membership Reward terms and conditions apply. Normal retailer gift card or voucher conditions apply, refer to the gift card or retailer website for details.

5. To redeem points to any Frequent Traveller Program you must be a member of the applicable Program. Enrolment in such Programs is solely your responsibility and fees may apply. The minimum requirement and transfer rate varies. Subject to the Membership Rewards Terms and Conditions.

6. American Express Travel Online: To earn or redeem Membership Rewards points, Cards must be enrolled to the American Express Membership Rewards program, and your Card Account must be in good standing. To redeem Membership Rewards points with American Express Travel Online, you need to have available limit on your Card for the full transaction amount of the booking. You will then receive a statement credit within 3 business days for your points redemption. If the credit isn’t on the same statement as the transaction, it should appear on your next statement. Please pay all amounts due each month. You will earn Membership Rewards points on the full dollar amount charged to your Card. All bookings are subject to the terms and conditions of our Membership Rewards Program.

7. Points for Credit: The redemption of Points for a credit to your Card (Points for Credit) will be administered by us within three business days and cannot be reversed. Amounts credited will appear on the first monthly statement following redemption. If you hold multiple Cards linked to the one Membership Rewards Account, the Points for Credit redemption will automatically be credited to the Primary Account only. Points may be redeemed by the Card Member for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Card Member’s other accounts with American Express are not in good standing.

The American Express Platinum Edge Credit Card

Source wording changes

Source pages and terms

Saved wording and terms

Source: https://www.americanexpress.com/au/credit-cards/platinum-edge-credit-card

The American Express® Platinum Edge Credit Card

New Card Member Offer

Enjoy $0 Annual Card Fee (usually $195) in the first year

How To Earn Membership Rewards Points

3

points per $1 spent

at major supermarkets and petrol stations4

2

points per $1 spent

on purchases in a foreign currency when overseas and online4

1

point per $1 spent

on all other purchases4

All Benefits

Eligibility

Documentation

Important Information

Applying takes less than 10 minutes, and you could receive a response within 60 seconds

American Express Card

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The American Express® Platinum Edge Credit Card

Source: https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/Credit_Card_Conditions.pdf

Source: https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/au_KFS_Prop.pdf

Source: https://www.americanexpress.com/content/dam/amex/au/staticassets/pdf/cardmember/platinum-edge-card/Platinum_Edge_Insurance.pdf

Source: https://www.americanexpress.com/content/dam/amex/au/staticassets/text/platinum-edge-travel-credit/Travel-Credit-Conditions.pdf

Source: https://www.americanexpress.com/en-au/rewards/membership-rewards/terms

Membership Rewards® Program

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Transfer your Membership Rewards® points to ALL Accor

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Shop online and Pay with Points

Turn your Membership Rewards® into Everyday Rewards

Give the gift of Gift Cards

Cover Card purchases using your points

Why you’ll love Membership Rewards points

How to Redeem Membership Rewards Points

Use Points to Travel

Use Points for Purchases

Use Points for Gift Cards

Use Points to Pay

How to Earn Points

Ready to Start Earning Points

Membership Rewards FAQs

What is Membership Rewards?

How do I redeem my points?​

What can I redeem my points for?

How do I enrol in Membership Rewards?

How do I earn points?

How do I earn points quickly?

How do I check my points Balance?

What is the Membership Rewards Ascent Program?

Membership Rewards Terms and Conditions

American Express Card

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Company Information

How do I redeem my points?