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PayFlex. It’s credit with a twist.

No matter what the situation, the PayFlex range of tools are designed to help. You can pay off larger purchases, buy the things you really need now, or save money on interest. It’s the sort of flexible service we pride ourselves on offering American Express Card Members.

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0% interest

Pay Your Way

Large purchases. 0% interest.

There’s no need to go without those ‘just can’t go without’ purchases any longer. With Pay Your Way you’ll enjoy 0% p.a. interest (that’s right zilch, zero, nothing) on purchases over $300. It also offers you the flexibility of choosing how fast you repay – with a range of equal monthly instalment plans of 3, 6 or 12 months. There’s no cost to enrol and a low establishment fee applies.

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Other products that might interest you:

0% interest

Pay Your Way

Large purchases. 0% interest.

There’s no need to go without those ‘just can’t go without’ purchases any longer. With Pay Your Way you’ll enjoy 0% p.a. interest (that’s right zilch, zero, nothing) on purchases over $300. It also offers you the flexibility of choosing how fast you repay – with a range of equal monthly instalment plans of 3, 6 or 12 months. There’s no cost to enrol and a low establishment fee applies.

Find out more

low interest rates

American Express® Fixed Rate

Large purchases, low interest rates until they’re paid off.

Need something for your home? Like to take a family holiday? American Express Fixed Rate can help you make those larger purchases, without having to pay the earth. You can save with a low, fixed interest rate on purchases of $1,000 or more. And the low rate remains until you pay the purchase off.

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great rates on new purchases

American Express® Low Rate

 

Great rates on new purchases for 6 months.

If you have some must-have purchases you need to make, the American Express Low Rate offer is designed to help. It gives you a low rate on all your new purchases for 6 months. So no matter whether you need a new dishwasher, or have spotted a once-in-a-lifetime bargain, Low Rate can help you buy it now and pay it off with less interest.

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increase limit

Credit Limit Increase 

When you need a little extra spending power.

From getting married, to having a baby or moving into a new home, there are many moments in life when you need a little extra spending power. These are the times when applying for a Credit Limit Increase can give you access to extra funds when you need them.

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rebalance your finances

Balance Transfers

Low rates to help you rebalance your finances.

We can all build up too much debt now and again. We’d like to help you get on top of it, with our Balance Transfer offer – where you can save with a low rate on the balances you transfer from outside of American Express. It’s a great way to save on interest charges and reduce your debt quicker. 

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