Why settle for an ordinary credit card, when you can enjoy the great value of the HSBC Gold Credit Card from American Express? This card offers you a range of complimentary benefits - so you can earn rewards fast without the usual fees.

• No annual card fee in the first year - saving $90¹


• No annual card fee for Supplementary Cards in the first year - saving $20 per card¹


• Specially negotiated Membership Rewards fee of $30 in the first year ($50 p.a. thereafter) - saving $20²
  = up to $130 in added value^

^{^} Indicative only

• Uncapped Membership Rewards points with no expiry³
• Option to transfer your points to Air New Zealand Airpoints Dollars^TM4
• American Express Selects - special offers on dining, leisure and more
• Up to 55 days interest free on purchases⁵

Apply for a HSBC Gold Credit Card from American Express now through the HSBC web site, and we'll reward you with 10,000 Membership Rewards bonus points!*

Just spend at least $500 on your card in the first two months after being approved, and the points will be added to your account.

Apply now⁶ for the HSBC Gold Credit Card from American Express. Download the PDF application form

*Offer ends 31 December 2010. Offer only available to new HSBC Gold Credit Cardmembers who apply using the pdf application form on the HSBC website, are approved and spend $500 on purchases within 2 months of Card approval. Please allow 6 - 8 weeks after you receive your Card for the Membership Rewards points to be credited to your account.

#This is an estimate of monthly spending based on $15,000 p.a.

Start enjoying the real value of Gold

Apply now⁶ - download the PDF application form

• 8,000 Membership Rewards points = $50 Harvey World Travel Voucher
• 15,000 Membership Rewards points = $100 retail voucher (eg. Farmers, Noel Leeming, Foodtown, Woolworths and Countdown)
• 15,700 Membership Rewards points = return economy flight Wellington to Auckland⁷
• 41,053 Membership Rewards points = return economy flight Auckland to Sydney⁷

Earning points doesn't mean spending more. It just means choosing to use your HSBC Gold Credit Card from American Express when you do spend. With more places around the world opening their doors to American Express, you'll find that your Card is welcome in more places than ever before. So you have more opportunities than ever to earn points on your everyday purchases - from petrol and groceries to dinner out, concert tickets and even the monthly bills. Find out where American Express is accepted.

Supplementary Cards are available.

Earn points on your spouse's, de facto partner's, or family member's spend - an annual Card fee of $20 applies for each Card.

Apply now⁶ for a Supplementary Card - download the PDF application form

1. An annual Card fee of $90 will apply on renewal after the first year for the HSBC Gold Credit Card from American Express. An annual Supplementary Card fee of $20 will apply after the first year.
2. Enrolment and participation in the American Express Membership Rewards Programme is subject to the Membership Rewards Terms and Conditions and partner terms and conditions. A specially negotiated Membership Rewards fee of $30 in the first year. Thereafter an 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.
3. Membership Rewards points do not expire while your Account remains current and in good standing.
4. Membership Rewards Terms and Conditions apply. Enrolment in the Air New Zealand Airpoints^TM programme is the Cardmember's responsibility and a Cardmember must be enrolled prior to any points transfer request. A joining fee may apply. Air New Zealand Airpoints programme terms and conditions apply. A transfer fee of $35 per transfer of points applies. A minimum of 2,100 points may be transferred into the Airpoints programme and increments of 175 points thereafter. For every 175 Membership Rewards points transferred you receive 1 Airpoints Dollar.
5. 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.
6. American Express credit approval and income criteria applies. Subject to Terms and Conditions. Interest rates, fees and charges apply.
7. Based on redeeming Membership Rewards points online with American Express® Membership Rewards Travel where the domestic flight cost inc taxes and baggage is $118 per adult, and the international flight cost inc taxes and baggage is $307.90 per adult as at 12 May 2010. Membership Rewards Terms and Conditions apply, subject to availability and change.

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.