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The Low Rate Credit Card from American Express®

Enjoy our low interest rate of 8.99% on purchases and $0 annual fee1.
*Terms & Conditions

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

Low Rate Highlights

LOW INTEREST RATE

Make managing your finances that much easier with a low 8.99% p.a. interest rate on purchases.1

55 days interest-free

You'll have a bit of extra time up your sleeve with up to 55 interest-free days on your purchases2

0% P.A. BALANCE TRANSFER

Enjoy 0% p.a. on balance transfers for the first 12 months. A one-off credit plan establishment fee of 1% applies. If you pay your balance transfer over time, an interest-free period will not apply to your purchases until your balance transfer is paid off.3 Learn More

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.
World-class Service
Stay organised online.
Access your account wherever, whenever via smartphone, tablet or computer
Emergency Card replacement
World-wide if your Card is lost or stolen, usually within 48 hours5
24/7 Global Card Support
Help is just a phone call away
Use your phone to check-out faster with Apple Pay, Samsung Pay and Google Pay.
American Express Protects You

PURCHASE PROTECTION
Covering stolen or damaged items purchased with your Card 6

    REFUND PROTECTION
    Covering you if a store refuses a return of a new item purchased with your Card6

      ONLINE FRAUD PROTECTION GUARANTEE
      Covering you for unauthorised charges made on your Account7
        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 current Business Long Stay Visa (subclass 457)
        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.