Business Gold Credit Card
Explore the features and benefits of our Business Gold Card and see how you can be rewarded.
Features and benefits
Up to 51 credit-free days
As a charge card, a full payment of the amount owing is required on receipt of the statement. However, breathing space between the day you purchase an item and the day the bill is due provides a welcome cushion to your business cashflow.^
No pre-set spending limit+
The Business Gold Card provides your business with flexible purchasing power, by allowing you access to the funds you need, when you need them. If you are intending to make a larger than normal purchase, we will review the charge and provide you with an approval decision within minutes so you can enjoy the freedom to respond to any business opportunity as it arrives.
Easier financial management
Your Business Gold Card makes tax claims much simpler. A monthly statement sets out all your expenditure with GST breakdowns on most purchases. You can also download your card account details and available GST breakdowns directly into a range of software packages including Quicken®, MYOB®, Microsoft® Money and Excel. And, by covering your business expenses with one monthly payment, you could also save on bank transaction fees and interest.
Supplementary Cards
Additional Supplementary Cards can be issued to staff members for an annual Card fee of $119 per Card per year. All points earned on Supplementary Cards will also be credited to your Membership Rewards account.#
Online account details
Manage your account online any time 24 hours a day seven days a week, with American Express online services. You can view your balances and keep track of your business expenditure. All transaction are updated daily and you can view up to three months of account history.
Simply visit www.americanexpress.com.au and register for online services to enrol. When you become a user of online services you will need to choose a unique user ID and Password for easy access.
Membership Rewards™#
Use your Business Gold Card for everyday business expenses and earn Membership Rewards points.
Free international and domestic travel cover*
Automatically activated whenever you book travel using your Business Gold Card or use your Membership Rewards points, the free international and domestic travel insurance offers you peace of mind and may offer your business real savings. The cover offers protection against trip cancellation, medical emergency expenses, baggage and personal liability and covers accompanying spouse/partner and dependant children plus Supplementary Cardmembers on your account.
Emergency Card services
24 hour emergency Card replacement
You can take advantage of our 24 hour emergency Card replacement service in the event of a lost or stolen card.
Emergency cheque cashing
Personal cheques for up to $1,000 can be cashed through the American Express Travel service network once every 7 days in Australia and once every 21 days if travelling overseas.
Global Assist Hotline
For medical or legal emergencies, English speaking Global Assist Hotline representatives will refer customers to local practitioners, virtually anywhere in the world. The service operates 24 hours a day.
Paying my Bank of Queensland Business Gold Card
For your convenience, payment of your Bank of Queensland Business Gold Card can be made a number of ways, giving you the freedom to bank your own way.
- At any branch of Bank of Queensland - please note that you will need to show your Business Gold Card statement in order to make a payment in branch. In branch payment can be either cash or Bank of Queensland cheque.
- At any American Express Travel / Service or Foreign Exchange office (fee applies).
- By mail - your monthly statement contains an envelope that will be sent directly to American Express for processing.
- At any Australia Post office (fee applies).
- Using American Express's online payments facility
Fees and charges
Fee Type | Amount | Description |
|---|
Annual card fee | $169 | For a Bank of Queensland Business Gold Card |
$119 | For each Supplementary Bank of Queensland Business Gold Card |
Late payment fee | 3% of the outstanding balance | This fee is charged to the business card holder if payment is not received by American Express before the date of the next statement. |
Membership Rewards fee | $40 | Annual fee for being a Choices rewards member (inclusive of GST) |
$80 | Annual fee for being an Ascent rewards member (inclusive of GST) |
Payment at an American Express or Australia Post Office | $2 per payment | This fee applies for manual processing of payments |
To apply for a Bank of Queensland Business Gold Card visit one of our convenient locations or call one of our friendly customer service consultants on 1300 55 72 72.
Information current as at September 3, 2010.
Subject to terms and conditions that are available by contacting American Express on 1300 366 220. Fees and charges apply. Fees and charges are correct as at 1 March 2006 and are subject to change.
The credit provider is American Express Australia Limited (ABN 92 108 952 085)® Registered Trademark of American Express Company. Bank of Queensland Limited distributes the Bank of Queensland Business Gold Card under an agreement with American Express Australia Limited and receives a financial benefit from members' use of the Bank of Queensland Business Gold Card.
^ A late payment fee will apply if the payment is not received before the next statement is issued.
+ Charges are approved based on your resources, spending and payment patterns. Proof of resources and security may be required.
#Membership Rewards enrolment required. An annual fee applies. Subject to the Terms and Conditions of the Membership Rewards program.
*Insurance is arranged through American Express International Inc. (ABN 15 000 618 208) AFS Licence No. 237996 subject to the terms, conditions and exclusions of the insurance issued by ACE Insurance Limited (ABN 23 0001 642 020) AFS Licence No. 239687. The material in this brochure may contain general advice. The material has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of the advice before acting on it. You should obtain and consider the relevant Product Disclosure Statement (PDS) and Financial Services Guide (FSG) before making any decision about whether to acquire or continue to hold this product. PDSs and FSGs can be obtained by calling 1300 132 639.
Neither Bank of Queensland nor any of its related companies guarantee the benefits payable under the insurance. All benefits are payable solely by the insurer. All cover is subject to acceptance by the insurer.