The Low Rate Credit Card from American Express

• The Introductory low interest rate for new Card Members is just 2.99% p.a.¹ for the first 6 months when you apply and are approved
• Ongoing low rate of 12.69% p.a. on purchases thereafter³
• Up to 55 days interest free on Credit Card purchases²
• Add up to 4 Supplementary Cards with no annual fee⁴
• Online Fraud Protection Guarantee⁵

• Get up to 55 days interest free on Credit Card purchases² just by settling your monthly statement in full
• Prefer to pay off your balance over time? Our highly competitive interest rate makes that a smart option too
• Up to 4 Supplementary Cards at no extra cost – you’re entitled to add up to four complimentary Supplementary Cards with no annual fee⁴, so you can share the benefits with those closest to you at no additional cost

Our Online Fraud Protection Guarantee⁵ means you can shop where and how you like. 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.

• American Express Cards are accepted at tens of thousands of places. View all places that accept American Express here
• 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 world
• Stay organised online – access your account wherever, whenever via smartphone, tablet or computer

To save time before you apply for the Low Rate Credit Card from American Express, 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 approximately 5-10 working days - so apply now.