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The Low Rate Credit Card from
American Express®

Summary of changes to your Card

The new insurance Terms and Conditions on your American Express® Low Rate Card will replace your previous Terms and Conditions document. The new Terms and Conditions will apply to all claim events occurring on or after 15 March 2022.


Summary Only

Information on this page is a summary of the key changes. The policy wording has been updated to make it easier to know exactly what you're covered for and how much you can claim under the policy. For full details on the terms, conditions, limits and exclusions that apply, please refer to the new Terms and Conditions here.  


It’s also important for you to share this information with any Additional Card Members, at your earliest opportunity.

For claims and general enquiries about the Terms & Conditions, please contact Chubb:

(Monday to Friday 9am to 5pm AEST)

This insurance is underwritten by Chubb Insurance Australia Limited ABN 23 001 642 020, AFSL No. 239687 (Chubb) under a group policy held by American Express Australia Limited ®, ABN 92 108 952 085, AFSL No. 291313 (American Express). Chubb and American Express only provide general advice and do not consider your objectives, financial situation or needs. Before deciding whether this product is right for you, please read the Terms and Conditions. A copy of American Express Financial Services Guide can be found here.

Eligibility criteria applies. Terms, conditions, exclusions, maximum age limits, pre-existing medical condition exclusions and limits apply as set out in the Terms and Conditions.