bigcheeseNZ 
Could be useful for those that:
a) already get their policies via NRMA or their renewals will be cheaper via NRMA (always compare your insurance quotes!!) and;
b) need to make that payment in the next few months
c) should work with any other payment discount applies e.g. $100 promo code that comes around every once in a while.
Take note of exclusions listed in T&Cs below
Initially I was thinking it’s a pretty decent discount on CTP insurance, however looks like it’s excluded as part of the T&C – but your experience may vary – as like the gift card/ merchant scenario for other offers, amex may not be able to differentiate what you purchase. One for someone to try!
Offer
Spend $400 or more, get $100 back
Save the offer to your eligible Card and spend $400 or more, in one or more transactions, via phone, in-app, or online at NRMA Insurance by 21/02/2025 to receive one $100 credit. Limited to the first 10,000 Cards to save the offer.
T&Cs
- Subject to the exclusions listed below, offer only valid for select NRMA insurance policies listed here – Car Insurance, Home Insurance, Caravan Insurance, Motorcycle Insurance, and Boat Insurance.
- Excludes transactions where you do not spend directly with your Card to which the offer is saved, via phone at 132 132, in-app, or online at www.nrma.com.au. Offer valid at Australian phone, app, and website only.
- Offer only valid for phone payments at 132 132 where customer opts in to speak to an NRMA Insurance consultant to make payment over phone for selected policies (listed above). Excludes any other payments made over phone.
- Offer only valid for select NRMA Insurance policies (listed above) purchased directly from NRMA Insurance where American Express is an accepted form of payment. For full details, please refer www.nrma.com.au/faq/what-payment-methods-do-you-accept/484.
- Excludes policies in New South Wales (NSW), Queensland (QLD), Tasmania (TAS), or the Australian Capital Territory (ACT) that were last renewed before 1st July 2024.
- Excludes policies in New South Wales (NSW), Queensland (QLD), Tasmania (TAS), or the Australian Capital Territory (ACT) that were first purchased before 21st April 2024 and not yet renewed.
- Excludes payments made towards Roadside Assistance, Security & Alarms, Home Loans and Point of Sale (POS) payments made at branches.
- Excludes CTP, MAI, Landlord Insurance, Holiday Rental Insurance, Business Insurance, Residential Strata, Travel Insurance and all other insurance policies/payments that are not listed as valid for offer.
- Valid for payments made by 21/02/2025 to be eligible for offer.
Offer is limited to one credit per Card to which the offer is saved and only spend on this Card counts towards the Offer.
Excludes transactions made through a third party establishment or payment processor. - Credit is not redeemable for cash or other payment form.
- Credit should appear on your billing statement within 15 business days from qualifying spend but may take up to 90 days from the offer end date.
- Credit will not be applied to your Card Account if your Card has been suspended or cancelled.
- Credit may be reversed if your qualifying purchase is refunded or cancelled.
- Full Offer Terms available here.
