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The Low Rate Credit Card from American Express. SImply Smart

Apply now

The introductory interest rate for new Card Members is just
                                    2.99%p.a. for the first six months1,
                          when you apply and are approved.
                 Reverting to 12.69%p.a. on purchases2 after that

Key information for this Card including fees and charges.

Card Terms and Conditions apply.
For further information regarding Standard Card Fees click here

Enjoy the breathing space of up to 55 days interest free[3]

The breathing space between the day you make a purchase and the day your Card statement is due can be up to 55 days – just by settling your monthly statement in full.

Prefer to pay off your balance over time? That’s fine too. Not only does this give you the option to spread payments for new purchases, but our highly competitive interest rate also makes it a smart option.

Extra Cards for no extra

You’re entitled to up to four supplementary Cards with no annual fees4 – so you can share the benefits with those closest to you.

Apply now

Online Fraud Protection Guarantee

Use your Card to shop online with confidence. And if you ever see anything unusual on your statement, just let us know as soon as possible and you won’t be held responsible for unauthorised charges.

Global card support

gives you account assistance any time of the day or night – help is just a phone call away.

Emergency Card replacement6

If your Card is lost or stolen, you can be rest assured because we can usually have it replaced within 48 hours, virtually anywhere in the world6.

Access your account wherever, whenever via smartphone, tablet or computer.

Annual Card Fee of just $59 p.a.

Warmly welcome

Your American Express Card is welcome for everyday purchases at most supermarkets, pharmacies, petrol stations and more, around town and around the world.

The Low Rate Credit Card from American Express. SImply Smart

Apply now


To save time before you apply for your American Express Card, it's best to make sure you can say yes to the following:

  • I am aged over 18
  • I have no history of bad debt or payment default
  • I have an annual income of $30,000 p.a. or more
  • I am a permanent resident or citizen of New Zealand, and
  • If self employed, I have been trading for at least 18 months (or 12 months if I hold an existing American Express issued Card)

If you can say yes, go ahead. Your application takes less than 10 minutes and we’ll give you a response in 5-10 working days – so apply now.

Terms & Conditions

  1. Offer only available to new Low Rate Credit Card from American Express Card Members who apply and are approved. The 2.99% p.a. introductory rate applies to Purchases and related fees for six months commencing the day the Account is opened. Any balances transferred including from your existing American Express Card, cash advances and fees are excluded from the 2.99% introductory interest rate. At the end of the six-month introductory period, the interest rate for new Charges and any remaining balances will revert to the prevailing interest rate at that time. Interest rates are current as at 2 February 2016 and subject to change. Visit for more information.
  2. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fees, charges and interest rates are correct as at 6 June 2014 and are subject to change. This interest rate does not apply for Cash Advances and fees relating to Cash Advance.
  3. The Credit Card gives you up to 55 days interest free on purchases, depending on when you make a purchase, when your statement is issued, whether you have obtained a balance transfer and whether or not you are carrying forward a balance on your account from the previous statement period. There are no interest free days for cash advances or for any purchases where you are carrying forward a balance on your account from the previous statement period.
  4. Supplementary Credit Card Members must be over 18 years of age. You will be liable for all Supplementary Credit Card spending.
  5. Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges. "Immediately" means as soon as you are aware but no later than on or after the due date for payment of the statement in which the fraudulent transaction appears.
  6. If your Credit Card is lost or stolen, you must report it immediately. You can call American Express 24 hours a day. In New Zealand, call us on 0800 656 660. If you are overseas, report your lost or stolen Card to the nearest American Express Travel Service or Representative Office or call +64 9 583 8287. Once you have notified us, you are not liable for any unauthorised charges.