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The Low Rate Credit Card from American Express®
Enjoy our low interest rate of 8.99% on purchases and $0 annual fee1 .
*Terms & Conditions
Card Type
Annual Fee
$0 p.a.
Interest Rate
8.99% p.a. on purchases1
Interest Free Period
Up to 55 days2
Low Rate Highlights
LOW INTEREST RATE
Make managing your finances that much easier with a low 8.99% p.a. interest rate on purchases.1
55 days interest-free
You'll have a bit of extra time up your sleeve with up to 55 interest-free days on your purchases2
0% P.A. BALANCE TRANSFER
Enjoy 0% p.a. on balance transfers for the first 12 months. A one-off credit plan establishment fee of 1% applies. If you pay your balance transfer over time, an interest-free period will not apply to your purchases until your balance transfer is paid off.3 Learn More
Additional Cards at no extra cost
Share the benefits of Membership with up to 4 Additional Cards for family members or friends, at no extra fee4.
World-class Service
Stay organised online.
Access your account wherever, whenever via smartphone, tablet or computer
Emergency Card replacement
World-wide if your Card is lost or stolen, usually within 48 hours5
24/7 Global Card Support
Help is just a phone call away
Use your phone to check-out faster with Apple Pay, Samsung Pay and Google Pay.
American Express Protects You
PURCHASE PROTECTION
REFUND PROTECTION
ONLINE FRAUD PROTECTION GUARANTEE
Eligibility
To save time before applying for The Low Rate Credit Card from American Express, make sure you can say ‘yes’ to the following:
- I have an annual income of $50,000 or more
- I have no history of bad debt or payment default
- I am aged 18 years or over
- I am an Australian citizen or permanent resident or hold a long term visa. Long term means 12 months or more and does not include a student visa.
If all the above are true, apply today to start enjoying the benefits of Card Membership.
Please click here to read the Key Facts Sheet for this Credit Card.
Please click here to read the Key Facts Sheet for this Credit Card.
Enjoy a low rate of only 8.99%
Applying takes less than 10 minutes, and you could get a response in less than 60 seconds.
Other recommended Cards for you
Great benefits, no annual fee
With $0 annual fee
- No Annual Fee
- Whether you’re out to lunch or off overseas, earn Membership Rewards points for every $1 spent
1 - Transfer your points to a choice of
9 Airline Partner Programs including Virgin Australia and Singapore Airlines2 - Cracked phone screen? No problem. Included Smartphone Screen Insurance has you covered with up to $500 for screen repairs when you pay for your phone bill or monthly contract on your Card
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Get set to explore new horizons
Receive 50,000 Membership Rewards Bonus Points1
Receive 50,000 Membership Rewards Bonus Points
When you apply online, are approved, and spend $3,000 on your new Card within the first 3 months. This offer is available to new Card Members only1
- Earn Membership Rewards points for every $1 spent
6 - Transfer your points to a choice of
9 Airline Partner Programs 7 including Virgin Australia and Singapore Airlines - Smartphone Screen Insurance for up to $500 for screen repairs to your Smartphone when you pay for your phone or contract with your American Express Explorer® Credit Card
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Discover the Card with no annual Card fee
- No Annual Fee
- 0% p.a. on balance transfers for the first 12 months
4 — A one-off credit plan establishment fee of 1% applies. - Earn Qantas Points for every $1 spent
3 - Refund and Purchase protection
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