American ExpressAmerican ExpressAmerican ExpressAmerican ExpressAmerican Express
View all Cards

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



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 PaySamsung Pay and Google Pay
  • Purchase Protection3, covering eligible items purchased with your Card
  • Refund Protection3, covering you if a store refuses a return of an eligible item purchased with your Card
  • Fraud Protection6, protecting you from unauthorised charges made on your Account
  • Plan It™ Instalments7 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

Covering stolen or damaged items purchased with your Card 5

    Covering you if a store refuses a return of a new item purchased with your Card5

      Covering you for unauthorised charges made on your Account6
        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.

        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.