Rating based on 56 reviews

American Express

  • Earn reward points
  • Low-interest starting from 19.95%
  • Manage your finance

In-page navigation

American Express homepage
Author American Express. Screenshot of American Express website.
[Accessed March 7, 2023]

About American Express

American Express International (NZ) provides credit cards, insurance, traveler's cheques, and foreign exchange services.

The company is a qualified financial entity under the Financial Advisers Act 2008.

The leaders in the local credit card market

Its solutions are used by an ever-growing client base consisting of individuals and businesses. The company offers a wide selection of credit cards that fall into three main categories– personal, small business, and corporate products. Customers can select cards with different limits, repayment terms, interest rates, and extra benefits such as reward programs.

Get top-class travel insurance

The company specializes in travel insurance for individuals and companies and private accident protection insurance. Its personal and business travel solutions, including booking and foreign exchange, are known for their flexibility.

How to pick the right card

  • Check the credit limit of the card - Each card type has a unique credit limit, which is the amount clients are allowed to spend on their credit cards NZ.
  • Check the card fees - All American Express fees are available on their website
  • Check the credit card interest rate - Each card has a different interest rate charged on the amount borrowed. Clients can explore which low-rate credit card fits their needs best.

American Express Services

American express card solutions offer a wide variety of rewards that clients receive every time they use their credit cards to make purchases.

Membership rewards are available for customers to reward points that can be redeemed to receive lifestyle benefits.

American Express rewards

American Express clients receive a range of rewards: travel tickets, holiday packages, hotel accommodation, meal vouchers, and gift cards. The points that are accumulated don't expire and can thus be redeemed whenever needed. Higher spending will allow clients to receive more points and exciting benefits on their credit cards in NZ.

Get advice from experienced consultants

The American Express consultants are available 24 hours a day, seven days a week, to help clients reach their financial goals. On top of advising about the best financial products, the consultant also ensures that clients receive purchase protection, fraud protection, and ongoing customer support.

Insurance options 

American Express offers accident and account protection options for clients to ensure that their finances are secure in case something unexpected happens. Frequent flyers also have the opportunity to opt for American Express travel insurance which protects them and their belongings when traveling.

American Express – Credit card

  • Loan Type Credit cards
  • Interest Rate from 19.95%

Benefits of American Express

  • Get bonus Airpoints dollars
  • Get access to a range of rewards and bonuses
  • Complimentary travel insurance

American Express in New Zealand one stop credit card shop

Benefits of American Express

  • Get bonus Airpoints dollars
  • Get access to a range of rewards and bonuses
  • Complimentary travel insurance

One-stop credit card shop

American Express in New Zealand is Auckland's most efficient and well-known provider of credit cards. The company is proud to offer clients an easy-to-use site to apply for their credit card, which is secure and straightforward to access worldwide.

Repayments structured according to your needs

Credit cards are much easier to apply for and less demanding to manage than a personal or payday loan NZ. Customers receive a credit limit that matches their ability to keep up with repayments without getting into debt.

Advantages of a credit card

Credit cards are designed to cover almost any expense within the credit limit of the card. Many people use their card to pay for a long-awaited holiday with the family, pay for vehicle repairs, and take care of the end-of-year shopping.

Reliable and efficient financial service provider

American Express offers credit card insurance options and a fully secure platform to ensure that no fraudulent payments get charged against clients accounts. As much as it is the customer's responsibility to manage their finances, the institution must ensure proper measures are in place to prevent fraud.

Apply for a credit card within three steps

  • Step 1 - Before applying, it is best to browse through the different credit card options offered by American Express
  • Step 2 - A quick test is performed to see if the applicant qualifies for their chosen card option
  • Step 3 - Complete the online application form, and wait for approval. Applications are approved within 5 to 10 working days.

What applicants need to be able to apply

  • Proof of identification and residence
  • A working email address or phone number
  • Proof of annual income, monthly living expenses, and employment details
  • Details of any other forms of credit

Customer Reviews & Testimonials

It could be better, but as far as banks go, it's not the worst either. It gets the job done without hassle.

Rilla S.
— Auckland —

As a student, everything is expensive. Everything from our books to accommodation, and of course monthly necessities. I invested in a credit card from American Express in case of emergencies, and...

Raven C.
— Wellington —

American Express's cashback rewards are fantastic! No hidden costs or fine print nonsense. I get more value for my money with every swipe.

Peggy C.
— Christchurch —

American Express Contact

Contact Number


  • not available


Physical Address

  • Building A Level 3/600 Great South Rd Ellerslie Auckland Region 1051 New Zealand
  • Get Directions

Postal Address

  • PO Box 4005, Shortland Street, Auckland, 1140, New Zealand

Opening Hours

  • Monday 08:30 – 19:00
  • Tuesday 08:30 – 19:00
  • Wednesday 08:30 – 19:00
  • Thursday 08:30 – 19:00
  • Friday 08:30 – 19:00
  • Saturday – Closed
  • Sunday – Closed