BMW Card from American Express 

CARD FEATURES 

Free Additional Card. 
24-hour Card replacement and Customer Service. 
Shop with confidence thanks to Online Fraud guarantee‚ Purchase Protection‚ and Refund Protection.2 
Round–the–clock protection‚ wherever you travel with our Travel Accident Benefits.2 


MEMBERSHIP BENEFITS 



We’d like to introduce you to BMW Rewards – the new exclusive rewards programme from BMW Personal Finance3. This programme gives you the chance to win a range of fabulous BMW prizes every month‚ including exclusive BMW experiences. See www.bmwcard.co.uk for rules of the BMW Rewards programme for details. No purchase necessary. 





1 entry for almost every £10 spent.
2 entries for almost every £10 spent on petrol.
3 entries for almost every £10 spent at BMW / MINI dealerships.



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Terms & conditions
American Express may vary the %APR, interest rate and other charges from time to time.The standard interest rate for goods and services is TYPICAL 9.9%APR variable (0.79% per month). If your application is not approved on a TYPICAL 9.9%APR variable, we may offer you a higher APR. Applicants must be aged 18 or over. Subject to status. The standard interest rate for cash withdrawals is 25.9% p.a. including cash transaction charge (1.94% per month). We may offer you the opportunity to request Balance Transfer(s) from time to time - we will charge interest on all balances that result from Balance Transfer(s) at the standard rate of 0.79% per month, 9.9% per annum on a daily basis until the amount is fully repaid to us. For example we reserve the right to refuse any Balance Transfer requests including Balance Transfers from overdue accounts, exceeded Credit Limits, overdrafts, loans, HP agreements or any Amex accounts. We are not liable for any overdue payments or interest incurred. Payments to card companies will normally be made within 30 days from receipt of your statements and we will advise you when payment is made. We may charge a handling fee in relation to Balance Transfers. Any such handling fee will be 3% of the Balance Transferred. Written details are available on request.

Credit Card Charges
a) No annual fee will be payable.
b) There is a conversion commission of 2.73% on foreign charges.
c) There is a £3 fee for copies of records of transactions and a £5 fee for copies of statements (please note that your statements sent to you each month when you have used your Credit card will not incur this charge).
d) There is a cash withdrawal charge which is £3.00 or 3% of the withdrawal (whichever is the greater).


a) When you use your Credit card online you will not be held responsible for unauthorised charges.
b) Purchase Protection benefit: Up to £20,000 for every 365 day period, for eligible items stolen or accidentally damaged within 90 days of purchase. Exclusions apply. See Summary of Benefits for full details and requirements.

c) Refund Protection benefit: Up to £200 per eligible item and £750 for every 365 day period. Exclusions apply. See Summary of Benefits for full details and requirements.

d) Travel Accident Benefit which would not require AESEL wording, ie exclusions apply. See Summary of Benefits for full details and requirements.

e) Travel Accident Benefit: Up to £ 50,000 per event when you use the Credit Card to pay for public transport. Exclusion apply. See Summary of Benefits for full details and requirements. American Express Services Europe Limited ("AESEL") makes various benefits available to cardmembers. These benefits derive from contracts which AESEL has made with third parties which AESEL is free to amend, extend or terminate at its sole discretion. These benefits do not form part of AESEL's contract with you but AESEL will aim to inform you 30 days in advance of any changes to the available benefits which may be to your detriment. One of the benefits currently available is the benefit of contracts of insurance made between AESEL and certain insurers. This includes Purchase Protection, Refund Protection and Travel Accident Benefits/ You will lose these benefits if you cease to be a cardmember. Full details of the insurance benefits currently available and the exclusions that apply to these benefits will be found in the Summary of Benefits document. 


Entries to the free prize draw will not be awarded in respect of Balance Transfers, Cash Advances, American Express Travellers Cheque purchases, Foreign Exchange and Express Cash transactions, interest, any spending in excess of your Credit Limit, charges for dishonoured cheques, late payment or referral charges and American Express Credit Card finance charges. . No entries will be awarded in respect of any month in which your Account is 60 days or more overdue for payment. Entries will be adjusted for any amounts recredited to your Account due to refunds. American Express reserves the right to vary the entries you earn from American Express on spending at any participating merchant. Written details available on request. BMW Rewards is provided by BMW Financial Services (GB) LTD. To view the Rules of BMW Rewards, please visit www.bmwcard.co.uk. No purchase necessary.

American Express Services Europe Limited. Registered Office: Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX, UK. Registered in England and Wales with Number: 1833139. 

Read Credit Card Terms and Conditions 
Read Summary Box 
Read Summary of Benefits 
Banking Code 




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