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The Low Rate Credit Card from American Express®
Card Type
Annual Fee
$0 p.a.
Interest Rate
8.99% p.a. on purchases1
Interest Free Period
Up to 55 days2
Enjoy our low interest rate of 8.99% on purchases and $0 annual fee1 .
*Terms & Conditions
LOW INTEREST RATE
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.
Service and Protection
We’ve got your back
- Access your Account anytime via smartphone, tablet or computer
- Emergency Card replacement around the world if your Card is lost or stolen, usually within 48 hours5
- 24/7 Global Card Support if you need a hand
- Use your Card to check-out faster with Apple Pay, Samsung Pay and Google Pay
Purchase Protection3 , covering eligible items purchased with your CardRefund Protection3 , covering you if a store refuses a return of an eligible item purchased with your CardFraud Protection6 , protecting you from unauthorised charges made on your AccountPlan It™ Instalments 7 is a new feature of your Card that offers you a flexible way to pay off your Credit Card balance in equal monthly instalments, with 0% p.a. interest and a fixed monthly fee.
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
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
- 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
3
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 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
7
Earn 1.75 Qantas Points on eligible Qantas products and services4
- No Annual Fee
- Earn Qantas Points for every $1 spent
3 - Refund and Purchase protection
8