The Low Rate Credit Card from American Express®
Save with no annual Card fee and a low interest rate on purchases2
Card TypeCredit Card
Annual Fee$0 p.a.
Interest Rate8.99% p.a. on purchases2
Interest Free PeriodUp to 55 days3
Featured Benefits
Low Interest Rate
Make managing your finances that much easier with a low 8.99% p.a. interest rate on purchases2 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 free3
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 Card4
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 fee5
All Benefits
Eligibility
To apply for The Low Rate Credit Card you need to:
- Have an annual income of $50,000 or more
- Have no history of bad debt or payment default
- Be aged 18 years or over
- Be an Australian citizen, permanent resident or hold a long term visa
Documentation
Documents and information to have ready:
Please click here to read the Key Facts Sheet for this Credit Card
- Australian Driver's License number (if you have one)
- Details of your income, expenses, and debts
- Proof if income (e.g. payslips)
Please click here to read the Key Facts Sheet for this Credit Card
Important Information
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The American Express Essential® Credit Card
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
Get set to explore new horizons
The Qantas American Express Discovery Card
Receive 10,000 bonus Qantas Points when you apply by online by 27 October 2021, are approved and spend $750 on your new Card within the first 3 months. Offer available to new Card Members only.1