American Express credit approval criteria applies. Subject to Terms and Conditions. Fees, interest rates and charges apply. All interest rates are quoted as an Annual Percentage Rate. Fees, charges and interest rates are correct as at 6 February 2008 and are subject to change.
1. Interest rates are current at 6 February 2008 and are subject to change, including changes under the American Express Interest rate policy.
2. The RAIA Gold Credit Card gives you up to 55 days interest free on purchases, depending on when you make your purchase, when your statement is issued, whether you have obtained a balance transfer and whether or not you are carrying forward a balance on your account from the previous statement period. There are no interest free days for cash advances or balance transfers.
3. All payments to your credit card account are applied first to any transferred balance, including transferred balances benefiting from promotional interest rates. This will result in the balances subject to a lower interest rate being paid off first. Minimum payment requirements of the card account apply to balance transfers. There are no interest free days on balance transfers.
4. Membership Rewards enrolment required. An annual fee applies. Subject to the terms and conditions of the Membership Rewards program.
5. Only available to Membership Rewards Ascent or Choices enrolled Cardmembers. Membership Rewards enrolment required (an annual fee may apply). Subject to the Terms and Conditions of the Membership Rewards program. American Express International, Inc. (ABN 15 000 618 208). Incorporated with limited liability in Delaware, USA. Licensed Travel Agent, 12 Shelley Street, Sydney NSW. Licence No. ACT 212/D, NSW 2TA000113, VIC 30233, QLD TAG132, WA 9TA81. Travelscene Pty. Ltd. Licence No. NSW 2TA003629, VIC 32089, SA TTA163633, QLD 1431, WA 9TA974. Each Travelscene American Express office is independently owned and has its own travel agent's licence. Travel Agent service charges may apply.
6. Subject to enrolment in Membership Rewards Ascent. Selected carriers only. Subject to Terms and Conditions of the
Membership Rewards program and airlines frequent flyer programs, including applicable fees. To redeem Membership Rewards points for points in a frequent flyer or frequent guest partner program you must be enrolled in Membership Rewards Ascent and be a member of the partner program. Membership of the partner program is the Cardmembers responsibility and is subject to the terms and conditions of the applicable program. A joining fee apply.
**Our interest rate policy describes how we intend to adjust credit card interest rates based on your payment history. Under this policy we intend to maintain this special low rate for the promotional period if you make your minimum payments on time.
The credit provider is American Express Australia Limited.
American Express Australia Limited (ABN 92 108 952 085). ® Registered Trademark of American Express Company.
