HSBC Credit Cards from American Express®

HSBC knows you expect quality benefits as a valued customer. That's why we team up with partners such as American Express. Together, we offer you a choice of unique and rewarding credit cards. Whether you choose HSBC Gold or Platinum Credit Cards from American Express, you'll enjoy the special benefits and extra value we've negotiated for you.

We chose American Express^® as a credit card partner because of their global presence and local benefits.

• The rewards. Simply by carrying your HSBC Gold or Platinum Credit Card from American Express, you can enjoy international benefits - like outstanding travel and financial services - as well as access American Express Membership Rewards^®1. Unlike some programmes Membership Rewards points never expire and there is no limit to how many points you earn, as long as your account remains current and in good standing, so you can choose when and how you use them.
• The coverage. American Express is now accepted at more places than ever before, both in New Zealand and around the world. Find out where American Express is accepted.
• Premium products. American Express is one of the world's premier credit card brands.

Find out more details about the features and benefits of HSBC Gold and Platinum Credit Cards from American Express^® or use our comparison table below.

Information to help you choose which card is right for you (income and credit assessments apply).

1. Enrolment and participation in the American Express Membership Rewards Programme is subject to the Membership Rewards Terms and Conditions and partner terms and conditions. The annual $50 Membership Rewards fee applies. Only purchases are eligible for Membership Rewards points - cash advances are ineligible. Membership Rewards points do not expire while your Account remains current and in good standing. A fee may be applicable for participation in partner airline programmes. A transfer fee of $35 per transfer of points to one of our airline partner programmes will apply.
2. No Annual Card fee applies for the first year. Thereafter a $90 Annual Card fee applies
3. All interest rates are quoted as an annual percentage rate and are correct as at 01 June 2010. Rates are subject to change.
4. Members of the HSBC Platinum Card from American Express receive automatic and complimentary enrolment in Membership Rewards and you will earn two Membership Rewards points for every $1 you spend on your Card.
5. To automatically qualify for Worldwide Travel Insurance, you must pay 100% of your return airline tickets with your HSBC Platinum American Express Credit Card or with any Membership Rewards redemption. Cover is available worldwide for a period of up to 180 consecutive days, from and including your day of departure and 183 days annually. If you travel with your spouse and/or dependent children under 23 years of age, they're also automatically covered. Please refer to the terms and conditions in your policy documents for full cover and benefit details
6. American Express Credit Card Insurances are underwritten by ACE Insurance Limited (Company No. 104656) (ACE) and are subject to the terms, conditions and exclusions contained in the American Express Credit Card insurances policy of insurance between American Express International (NZ) Inc. (Company No. 867929) (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 at www.americanexpress.co.nz/insurance and consider the appropriateness of that insurance in relation to your individual requirements.
7. A $100 Annual Card fee applies for first year. Thereafter a $325 Annual Card fee applies.

HSBC American Express® Credit Cards are issued by American Express International (NZ), Inc and are intended for personal use only. All applicants applying for a HSBC Gold or HSBC Platinum Credit Card from American Express must hold a residential New Zealand address. American Express normal credit criteria and terms and conditions apply. Fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. Fees, charges and interest rates are correct as at 01 June 2010 and are subject to change.

American Express International (NZ), Inc. Incorporated in Delaware, USA. Principal Place of Business in New Zealand, 600 Great South Road, Ellerslie, Auckland, 1051.

®Registered trademark of American Express Company.