Terms and Conditions

Cards are offered, issued and administered by American Express Australia Limited. Credit provided by American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence No. 291313. ® Registered Trademark of American Express Company. Applicants must be 18 years of age or over, reside in Australia and earn a minimum income of $65,000 per annum to apply for the American Express Velocity Platinum Card. 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 March 2012 and are subject to change.

*Offer only available to new American Express Velocity Card members who apply, are approved by 31 October 2012 and spend $500 in the first 3 months of American Express Velocity Card membership. Please allow 6 to 8 weeks after the $500 spend benchmark has been met for the 30,000 Velocity Points to be awarded to the Card member’s Velocity Account.

⁺The complimentary domestic economy Virgin Australia return flight is available between selected Australian cities and is available for booking by American Express Velocity Platinum Card members after your first Card spend in the first year, and then after your first Card spend each year after the anniversary of your membership. All flights are subject to availability and neither Virgin Australia nor American Express guarantee that seats or tickets will be available on the dates or at the times you may wish to fly. Seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. Some flights may not have any seats available for redemption. Route availability is subject to change without notice. Booking is subject to the American Express Velocity Platinum Card Benefits Terms and Conditions available here and travel is subject to Virgin Australia Conditions of Carriage available at virginaustralia.com.

^Velocity Points are earned in accordance with the American Express Velocity Cards Points Terms and Conditions available here. Exclusions apply. Velocity membership and Points earn and redemption is subject to the Velocity Membership Terms and Conditions available at virginaustralia.com/velocity as amended from time to time. Earn rate of 3 Points per $1 spent on Virgin Australia group of airlines only applies to purchases made in Australia.

**Virgin Australia lounge entry passes are subject to the American Express Velocity Platinum Card Benefits Terms and Conditions available here. Two single entry passes to the Virgin Australia lounge will be activated on the Basic Cardmember's Velocity membership card annually on or after the anniversary of membership. The Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airports in accordance with the Virgin Australia lounge Terms and Conditions, available at virginaustralia.com/lounge and as amended from time to time.

⁺⁺American Express Velocity Platinum Card Insurances are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE) and are subject to the terms, conditions and exclusions contained in the American Express Velocity Platinum Card Insurances policy of insurance between American Express Australia Limited (ABN 92 108 952 085, AFSL No. 291313) (American Express) and ACE. This brochure does not take into account your objectives, financial situation or needs. It is important for you to read the Terms and Conditions available here and consider the appropriateness of that insurance in relation to your individual requirements.

^^Offer provides a 50% discount for you and a guest when you purchase standard adult Business Flexi fares for you and your guest flying with Virgin Australia international long haul or Virgin Australia international long haul flights that code share or interline with Delta Air Lines. Code share flights on other partner airlines are not included in this offer. Availability of the offer is subject to the seat availability in the nominated class of the Business cabin. The Basic Card member must be one of the passengers travelling and both passengers must be travelling together on the same flight, at the same time. Credit card payment fees, taxes and surcharges apply to both guests and are not discounted. Offer applies to new bookings made via American Express Membership Travel Services only. Payment with your American Express Velocity Platinum Card is required. Seats must be booked in the same fare class and are strictly limited. Seats are subject to availability which may be limited at peak times such as weekends, Christmas or school holidays. Neither American Express nor Virgin Australia guarantee that seats will be available at the times you may wish to fly. Offered in accordance with the American Express Velocity Platinum Card Benefits Terms and Conditions available here. Membership of Velocity Frequent Flyer is required. Travel with Virgin Australia is subject to the Virgin Australia Conditions of Carriage available at virginaustralia.com.

***The 0% p.a. interest rate is only available on new purchases after your application is approved. New purchases made in the subsequent six-month period from/after the first purchase on your Card will be subject to promotional interest rate. After the six-month introductory period, the interest rate for purchases will revert to the prevailing interest rate at that time. Any balances transferred from your existing American Express Card and any cash advances are excluded from the 0% p.a. introductory promotional interest rate. Interest rates are current as at 6 March 2012 and subject to change.