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The Low Rate Credit Card from American Express®
Enjoy our low interest rate of 8.99% p.a. on purchases1 .
*Terms & Conditions
Annual Fee
$0 p.a.
Interest Rate
8.99% p.a. on purchases1
Interest Free Period
Up to 55 days2
Key Benefits
LOW INTEREST RATE
While some things in life are planned, others are less so. It could be your car breaking down or an amazing deal on a TV when your old one is on its last legs. For times like these, the Low Rate Credit Card from American Express with 8.99% p.a. on purchases1 gives you another option to help manage your finances.
INTEREST FREE PERIOD
Up to 55 days interest free on purchases2 gives you breathing room when you settle your monthly statement in full. This interest free period is not applicable where you are carrying forward a balance on your account2
0% P.A. BALANCE TRANSFER
0% p.a. on balance transfers for the first 12 months3 — A one-off credit plan establishment fee of 1% applies. Learn More
ADD SOMEONE TO YOUR ACCOUNT
Apply for up to 4 Additional Cards for family members or friends for no extra fee4. Share the benefits with those closest to you - and easily keep track of all account activity with itemised transactions for each Card on your statement
World-class Service
Stay organised online.
Access your account wherever, whenever via smartphone, tablet or computer
Warmly welcome
Use your Card for everyday purchases at most major supermarkets, pharmacies, petrol stations and more, around town and around the world
Emergency Card replacement
If your Card is lost or stolen, you can be rest assured because we can usually have it replaced within 48 hours, virtually anywhere in the world5
Global Card Support
Gives you 24/7 account assistance any time of the day or night – help is just a phone call away
This American Express Card is eligible for use with Apple Pay, Samsung Pay and Google Pay.
This American Express Card is eligible for use with Apple Pay, Samsung Pay and Google Pay.
American Express Protects You
PURCHASE PROTECTION
If an eligible item should break or is stolen within 90 days, Purchase Protection will replace it. You’re covered for up to $20,000 per year and $2,500 per claim with a $50 excess per claim6
REFUND PROTECTION
If you have a change of heart and are refused a refund on an unused eligible item within 90 days, Refund Protection will reimburse you. You’re covered for up to $2,000 per year and $500 per claim, with no excess6
ONLINE FRAUD PROTECTION GUARANTEE
If you see something unusual on your statement, let us know as soon as possible and you won’t be held responsible for any unauthorised charges7
Eligibility
To save time before you apply for The Low Rate Credit Card from American Express, it's best to make sure you can say yes to the following:
- I am aged 18 years or over
- I have no history of bad debt or payment default
- I have an annual income of $50,000 or more
- I am an Australian citizen or permanent resident or hold a current Business Long Stay Visa (subclass 457)
If you can say yes, go ahead. Your application takes less than 10 minutes and we may be able to give you a response in less than 60 seconds - so apply now.
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.
Other recommended Cards for you
A Rewards Card with $0 annual fee
- Earn up to 1 Membership Rewards® point for every $1 spent
2 - 0% p.a. on balance transfers for the first 12 months
3 — A one-off credit plan establishment fee of 3% applies. - Transfer your points to a choice of
8 Airline Partner Programs 4 including Virgin Australia and Singapore Airlines - Smartphone Screen Insurance of up to $500 for screen repairs to your Smartphone when you pay for your phone or contract with your Essential Credit Card
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Receive 50,000 Membership Rewards Bonus Points1
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, as well as Bank-issued American Express companion cardholders1
- Start exploring with a $400 Travel Credit every year
4 - Earn up to 2 Membership Rewards points for every $1 spent on eligible purchases
6 - Transfer your points to a choice of
8 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 1 Qantas Point
3 for every $1 spent on Card purchases, except spend at government bodies in Australia where you will earn 0.5 Qantas Points per $1 spent - Refund and Purchase protection
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