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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

Card Type
Annual Fee
$0 p.a.
Interest Rate
8.99% p.a. on purchases1
Interest Free Period
Up to 55 days2

Key Benefits


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.


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. on balance transfers for the first 12 months3 — A one-off credit plan establishment fee of 1% applies. Learn More


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.
American Express Protects You

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

    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

      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
        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.

        Ready to Apply?

        No annual Card fee and 55 days interest free2