Amex Gold Rewards Credit Card NZ Stretch Your Dollar with 2 Points per $1, Dining Credits and Travel Cover

Why Kiwis choose Amex Gold Rewards Credit Card NZ

The Amex Gold Rewards Credit Card NZ is built for Kiwis who want more from everyday spending. With a strong earn rate and tailored dining perks, this card turns regular purchases into travel and lifestyle rewards.

Amex Gold is popular across Auckland, Wellington and beyond because it combines 2 points per $1 on most transactions with premium insurance and member offers, making it a practical choice for frequent travellers and food lovers.

How 2 points per $1 add up fast

At 2 points per $1, the Amex Gold Rewards Credit Card NZ accelerates rewards on groceries, fuel and regular bills, so points stack quickly. Redeem for flights, gift cards or statement credits to stretch your dollar further.

Smart use of the card for monthly essentials means Kiwis can build a healthy balance of Gold Rewards points without changing lifestyle—just switch the payment to your Amex Gold and watch points grow.

Dining credits, travel cover and real value

One of the standout features of the Amex Gold Rewards Credit Card NZ is two $100 Dining Credits each year at select restaurants in the Amex Dining Collection, a perfect fit for Kiwis who enjoy eating out. Those credits reduce net dining costs and boost overall card value.

Travel protections also add weight: when you book return travel on the card you get medical emergency cover up to $2.5 million, cancellation cover, and baggage protection. That travel insurance is a compelling reason to use Amex Gold for holiday bookings.

Fees, rates and how to make it pay

There is an annual fee (typically around $200) and a purchase rate that reflects premium-card status; however, the $200 welcome statement credit offer for new cardholders who meet the spend criteria can offset the first year’s cost. Paying in full within the interest-free period avoids hefty interest charges.

Compare these costs against the value you’ll extract: frequent dining credits, 2 points per $1 and comprehensive travel insurance often outweigh the fee for active users. Check eligibility, apply online and plan to use the card where it earns most to maximise returns.