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The APS Gold Credit Card
The APS Platinum Edge Credit Card
Refer a fellow member and you could both receive generous bonus points


The APS Gold Credit Card from American Express at a glance:

  • No annual Card fee
  • No annual Supplementary Card1 fee (Save $20 p.a.)
  • Complimentary enrolment in your choice of Rewards programs (Save $80 p.a.)
  • Earn points with every dollar spent in your preferred program
  • Up to 55 days interest free on purchases2
  • 24/7 online access to your Card account
  • Introductory offer available to new American Express Cardmembers only - $100 David Jones Gift Card3

Take advantage of this members-only offer and apply for your APS Gold Credit Card from American Express today.

It all adds up to more than the sum of its parts

We’ve negotiated up to $200^ worth of added value on the APS Gold Credit Card

  • No annual Card fee
  • Complimentary enrolment in your choice of Rewards programs- Membership Rewards Ascent4 or Qantas Direct5 (Save $80 p.a.) .
  • No annual Supplementary Card1 fee (Save $20 p.a.)

New American Express Cardmember welcome gift with a $100 David Jones Gift Card3  
As part of this offer – you’ll receive a $100 David Jones Gift Card if you apply for your Card, are approved by 31 December 2013 and spend $500 on your Card Account within two months of becoming a Cardmember3. Offer available to new American Express Cardmembers only.

Shop American Express Network for great value offers  
American Express Network is your one-stop shop for special deals on travel, shopping, dining and entertainment. Available only to American Express Cardmembers, it offers a huge range of discounts and upgrades on popular products and services. Visit amexnetwork.com.au to see what’s currently on offer.

The Card that gives back to APS
Using your Card contributes to the services you receive through APS. A portion of the annual spend on your Card is returned to APS to help fund additional member services.

Share the privileges  
As part of your Cardmember benefits, we have waived the annual Supplementary Card1 fee (Save $20 p.a.).
Applying for a Supplementary Card1 will allow you to share some of the benefits of your APS Gold Credit Card with your nominee – and earn your preferred points on purchases made with both Cards instead of just your own.

Take advantage of this members-only offer and apply for your APS Gold Credit Card from American Express today. 

Turning your wishes into reality  
APS Cardmembers receive complimentary enrolment in their preferred Rewards program, which saves you $80 p.a. Choosing your Rewards program ensures that the points you earn on your Card get you what you really want.
Points that add up fast
Choose to earn Membership Rewards points through Membership Rewards Ascent4 or Qantas Frequent Flyer points from Qantas Direct5. Both programs offer 1 point for every dollar spent on eligible purchases; except for selected utilities, insurances from providers other than American Express, telecommunications providers and government bodies in Australia, where you will earn 0.5 points for every dollar spent. If you enrol in Qantas Direct you will earn 2 points for every dollar spent at selected Qantas products and services in Australia6. Please note, if you enrol in Qantas Direct these earn rates will apply from 22 July 2013. Until 22 July you will earn 1 Qantas Frequent Flyer point for every dollar spent on eligible purchases5 and 2 points for every dollar spent at selected Qantas products and services in Australia6.
Choose Membership Rewards Ascent4
With Membership Rewards Ascent4 every purchase you make on your APS Gold Credit Card helps your balance grow. There are over 1,000 rewards you can redeem your points for:
  • Quality products from a range of popular brands7
  • An assortment of Gift Cards8 with Australia’s top retailers
  • Credit back on your account9
  • Travel booked directly online at Webjet10, Travelscene American Express and Harvey World Travel stores11
  • Points Transfer to one of our 8 airline Rewards partners12. 
Choose Qantas Direct5
The Qantas Frequent Flyer points5 you earn on your everyday spending are automatically transferred to your Qantas Frequent Flyer membership account. You can redeem your Qantas Frequent Flyer points for:
  • Classic Award flights with Qantas and over 35 partner airlines and their affiliates5
  • Over 3,500 popular products, vouchers and experiences from the online Qantas Frequent Flyer Store5.
Take advantage of this members-only offer and apply for your APS Gold Credit Card from American Express today.


Terms and Conditions

American Express credit approval criteria apply. Subject to Terms and Conditions. Interest rates, fees and charges apply. All Interest Rates are quoted as an Annual Percentage Rate. All information is correct as at 27 March 2013 and is subject to change.

^ Indicative value only. The $200 value is comprised of a $100 David Jones Gift Card if you apply, are approved by 31 December 2013 and spend $500 on the New Card within the first 2 months becoming a Cardmember, no annual Rewards program fee saving you $80 p.a. and no annual Supplementary Card fees saving you $20 p.a.

1. Supplementary Cardmembers must be over 18 years of age. Primary Cardholders will be liable for all charges on Supplementary Cards.

2. The Credit Card gives you up to 55 days interest free on purchases, depending on when you make a 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 for any purchases where you are carrying forward a balance on your account from the previous statement period.

3. Offer only available to new American Express Card applicants who are current members of APS, who apply online via the enclosed links, are approved by 31 December 2013 and spend $500 on their Card Account within two months of becoming a Cardmember. Spend made by the first Supplementary Cardmember within two months of the Basic Cardmember becoming a member will contribute to the $500 spend. Only the Basic Cardmember is eligible to receive the $100 Gift Card and Supplementary Cardmembers are not eligible for this offer. Gift Card or Voucher rewards are not redeemable or exchangeable for cash or credit and are valid for six months from the date of issue, unless otherwise stated. David Jones Gift Card Terms and Conditions apply. For full Terms and Conditions, please visit davidjones.com.au/gift-card Please allow six to eight weeks after the $500 spend benchmark has been met for the Gift Card to be delivered.

4. Membership Rewards Ascent enrolment required. Subject to the Terms and Conditions of the Membership Rewards program available at www.membershiprewards.com.au/termsandconditions

Enrolment in Membership Rewards Ascent can be cancelled at any time. Membership fees are non-refundable unless otherwise agreed. You will earn 0.5 points for every dollar you spend in Australia at merchants classified as: “utilities” which are gas, water and electricity providers; “insurance” (excluding insurances offered by American Express); “telecommunications providers” which includes goods and services purchased from phone, mobile and internet service providers; “government bodies” including the Australian Taxation Office, Australia Post, federal/state and local government bodies.

5. Qantas Direct enrolment required. Qantas Frequent Flyer members only. Earning of points is subject to the Terms and Conditions of the Qantas Direct program for American Express Cards available at americanexpress.com.au/QDTerms Exclusions and limitations apply. Membership of the Qantas Frequent Flyer program and earning and redemption of Qantas Frequent Flyer points are subject to the Terms and Conditions of the Qantas Frequent Flyer program available at qantas.com/terms A joining fee applies. Once Qantas Frequent Flyer points have been transferred to your Qantas Frequent Flyer membership account, they are governed by the Terms and Conditions of the Qantas Frequent Flyer program and cannot be reversed. Classic Award seats are subject to capacity controls and availability is limited. Some flights may not have any Classic Award seats available. Award flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply). For further information see qantas.com/frequentflyer. Store products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of points through the online store is subject to terms and conditions (including store terms of use and voucher terms and conditions). See qantas.com/store for details. From 22 July 2013 you will earn 0.5 Qantas Frequent Flyer points for every dollar you spend in Australia at merchants classified by American Express as: “utilities”, which are gas, water and electricity providers; “insurance”, (excluding insurances offered by American Express); “telecommunications providers”, which includes goods and services purchased from phone, mobile and internet service providers; “government bodies”, including the Australian Taxation Office, Australia Post, federal/state and local government bodies.

6. Selected Qantas products and services are Qantas passenger flights (with a QF number) purchased on the Qantas merchant account i.e. directly with Qantas, and Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays and Qantas branded non-airfare products. Subject to the Terms and Conditions of American Express Qantas Direct program for American Express Cards available at americanexpress.com.au/QDTerms

7. Merchandise rewards are not exchangeable, refundable or transferrable for cash. For Merchandise rewards, a letter confirming your redemption will be sent to your current mailing address. Your reward will be delivered via courier within 14 business days of redemption and may require a signature upon delivery. If no-one is home, a calling card will be left so you are able to collect from your local post office. If any delay in delivery is expected, Cardmembers will also be notified by phone or postal mail. Please provide a daytime physical address in Australia. Goods cannot be delivered to a PO Box or an overseas address. These rewards are open only to Australian dollar Cardmembers who reside in Australia. Unless otherwise stated, additional products shown in images of rewards are for demonstration purposes only, and are not included as part of the reward. Please refer to the Terms and Conditions of the Membership Rewards program available at membershiprewards.com.au/termsandconditions for non delivery of merchandise.

8. Gift Card or voucher rewards are not redeemable or exchangeable for cash or credit and are valid for a period of three months from the date of issue, unless otherwise stated. Individual retailer Gift Card and voucher Terms and Conditions apply.

9. Points may be redeemed by the Basic Cardmember for a credit on the Primary Card Account. American Express may decline a points for Credit request where the Card Account or Cardmember’s other accounts with American Express are not in good standing. The redemption of points for Credit will be administered solely by American Express within three business days and cannot be reversed. Points for Credit is not available for redemption by Corporate Card accounts and is not redeemable for cash via Credit balance refund.

10. Subject to the Terms and Conditions of the American Express Membership Rewards program. Partner Terms and Conditions apply. Available to Australian enrollees who reside in Australia only. A minimum of 7,500 points must be redeemed at any one time. American Express Corporate and Business Cardmembers enrolled in Membership Rewards Spirit are not eligible to redeem points with Webjet. Copyright Webjet Marketing Pty Ltd ACN 063 430 848, ABN 8406 3430 848. Part of the Webjet Limited Group. Travel Agent Licence No. 3228.

11. Travelscene Pty. Ltd. Licence No. NSW 2TA002558, VI C 30204, SA TTA108, QLD TAG 252, ACT 18800658, WA 9TA284.Harvey World Travel Franchises Pty. Ltd. Licence No’s: A.C.T: TC373, NSW /WA: 2TA5129, NT: NT001, QLD : TAG 1718, SA: TTA 165258 TAS: TAS 097, VI C: 32392. Some agencies may be independently owned and has its own travel agent’s licence. Travel Agent service charges may apply.

12. To transfer points into an airline/travel partner program you must be a member of the relevant airline/travel rewards partner program. Membership of the airline/travel rewards partner program is the Cardmember’s responsibility. Subject to the Terms & Conditions of the applicable partner program and a joining fee may apply.


The APS receives revenue on member generated activity through the member benefits program. This revenue is applied to maintain the quality and diversity of APS services, further benefiting you professionally, personally and in your career and business. All costs incurred in marketing specific APS programs are borne by the commercial partner.The Australian Psychological Society (ABN 23 000 543 788), Level 11, 257 Collins Street, Melbourne VIC 3000.

Credit provided by American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence No. 291313. ® Registered Trademark of American Express Company.

American Express