Why settle for an ordinary credit card, when you can enjoy the great value of an 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.

• Specially negotiated annual card fee of NZD50 per year - saving NZD40 per year


• No annual card fee for supplementary cards - saving NZD20 per card per year¹


• No annual Membership Rewards fee - saving NZD50²

This amounts up to NZD110 in added value, each year.^{^}

^{^} Indicative only

Apply now for an HSBC Gold Credit Card from American Express through the HSBC website, and we'll reward you with a NZD150 Farmers Voucher!* Just spend at least NZD500 on your new Card within the first two months of your Card being approved, and you’ll be rewarded with this Voucher.

Apply now for the HSBC Gold Credit Card from American Express.

* Offer ends 31 January 2013. Offer only available to new HSBC Gold Credit Card members who apply using the online application form on the HSBC website, are approved and spend NZD500 on purchases within the first two months of the Card being approved. Please allow 6-8 weeks after your first two months of Card membership for the delivery of the voucher. Farmers Vouchers 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. Normal Farmers Voucher conditions apply.

Exceptional benefits

• Earn one Membership Rewards point for every dollar you spend
• Uncapped Membership Rewards points with no expiry³
• Option to transfer your points to Air New Zealand Airpoints Dollars^TM4
• American Express Selects⁶ - special offers on dining, leisure and more
• Up to 55 days interest free on purchases⁵

^#This is an estimate of monthly spending based on NZD15,000 per year.

Start enjoying the real value of gold! - Apply now

Membership Rewards lets you use your points to select from hundreds of rewards² - including the latest gadgets, petrol or shopping vouchers⁷. You can even redeem your points for credit to your card⁸ or transfer points to Air New Zealand Airpoints Dollars^TM4.

• 6,800 points = One-year subscription to NZ Life and Leisure⁷
• 17,000 points = Samsonite Ultralite 7 Cabin Bag (Red)⁷
• 24,100 points = Philips iPod Docking Clock Radio DC315⁷

^*As at 12 January 2011.

With American Express, you'll have the unique option of being able to transfer your Membership Rewards points to Air New Zealand Airpoints Dollars^TM4. Then you can take off around New Zealand and the world. Here's what you'll enjoy with our new partner:

• Just 175 Membership Rewards points = 1 Air New Zealand Airpoints Dollar^TM4
• Use your Airpoints Dollars on any available seat on any Air New Zealand ticketed and operated flight⁴

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 before. So you have more opportunities to earn points on your everyday purchases - from petrol and groceries to dinner out, concert tickets and even monthly bills. Find out where American Express is accepted.

Supplementary cards are complimentary¹

Earn points on your spouse's or family member's spend.

Apply now for a supplementary card - download the PDF application form.

American Express credit approval and income criteria applies. Subject to terms and conditions. Interest rates, fees and charges apply. HSBC American Express^® Credit Cards are issued by American Express International (NZ), Inc and are intended for personal use only. All applicants applying for an 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 27 January 2011 and are subject to change.

1. Supplementary credit card members must be over 18 years of age. You will be liable for all supplementary credit card spending.
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. 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. Membership of the partner programme is the card member's responsibility and is subject to the terms and conditions of the applicable programme. A fee may be applicable for participation in partner airline programmes. A transfer fee of NZD35 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 card member's responsibility and a card member 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 NZD35 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. These privileges are available when payment is made in full on an American Express Card. Privileges cannot be exchanged for cash or used in conjunction with any other promotional programmes or offers. American Express International (NZ), Inc and the business establishment(s) reserve the right to change terms and conditions at any time without prior notice. For full terms and conditions visit www.amexselects.co.nz.
7. All merchandise rewards listed here are correct as at 12 January 2011 and are subject to change and availability. Available at americanexpress.co.nz/rewards
8. Points may be redeemed by the Basic Card member for credit on the Primary Card Account. American Express may decline a Points-for-Credit request where the card account or card member'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. Redeeming Points-for-Credit is not available for redemption by Corporate Card.

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.