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Key Information
Card Type
Credit Card
Annual Fee
$0 p.a.
Interest Rate
10.99% p.a. on purchases1
Interest Free Period
Up to 55 days2

Key Benefits

Low Interest Rate

Make managing your finances that much easier with a low 10.99% p.a. interest rate on purchases1 and $0 annual fee

Card Purchase and Refund Cover

Shop with confidence thanks to Card Refund and Purchase Cover 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

All Benefits

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 with Apple Pay, Samsung Pay and Google Pay
  • Card Purchase Cover3, covering eligible items purchased with your Card
  • Card Refund Cover3, covering you if a store refuses return of eligible items purchased with your Card
  • Fraud Protection Guarantee6, 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 a portion of your Credit Card balance in equal monthly instalments, with no interest and a fixed monthly fee.

Eligibility

To apply for The Low Rate Credit Card you need to:

  • Be aged 18 years or over
  • Be an Australian citizen, permanent resident or hold a long term visa
  • Have a good credit history and no payment defaults

Documentation

Documents and information to have ready:

  • Australian Driver's License number (if you have one)
  • Details of your income, expenses, and debts
  • Proof of income (e.g, payslips)


Please click here to read the Key Facts Sheet for this Credit Card.

Other Recommended Cards For You

Earn Qantas Points and enjoy $0 Annual Card Fee

The Qantas American Express Discovery Card

Enjoy $0 Annual Card Fee (usually $195) in the first year

The American Express® Platinum Edge Credit Card

when you apply online, and are approved. T&Cs apply. New Card Members only1. Offer subject to change without notice.

Receive 30,000 Bonus Membership Rewards® Points

The American Express Essential® Rewards Credit Card

when you apply online, are approved, and spend $3,000 on eligible purchases on your new American Express Essential® Rewards Credit Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.