The Low Rate Credit Card from American Express®
Save with no annual Card fee and a low interest rate on purchases1
Card TypeCredit Card
Annual Fee$0 p.a.
Interest Rate8.99% p.a. on purchases1
Interest Free PeriodUp to 55 days2
Featured Benefits
Low Interest Rate
Make managing your finances that much easier with a low 8.99% p.a. interest rate on purchases1 and $0 annual fee
Up to 55 days interest free
You'll have a bit of extra time up your sleeve with up to 55 days interest free2
Purchase and Refund protection
Shop with confidence thanks to Refund and Purchase Protection when you make an eligible purchase with your American Express Low Rate Credit Card3
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
All Benefits
Eligibility
To save time before applying for The Low Rate Credit Card from American Express®, make sure you can say ‘yes’ to the following:
Please click here to read the Key Facts Sheet for this Credit Card
- 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
Please click here to read the Key Facts Sheet for this Credit Card
Important Information
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Smartphone Screen insurance of up to $500 each year
when you purchase your phone outright or pay your monthly phone bill with your American Express Essential Credit Card4
The American Express Explorer® Credit Card
Receive 50,000 Bonus Membership Rewards Points
When you apply online, are approved and spend $3,000 on your new Card within the first 3 months. T&Cs apply. New Card Members only.
The Qantas American Express Discovery Card
Earn 1.75 Qantas Points on eligible Qantas products and services1