Skip to main content
Start of menu
Close Menu

The Low Rate Credit Card from American Express. Simply Smart

Apply now

The introductory interest rate for new Cardmembers is just 2.99% p.a. for the first 6 months[1]. When you apply and are approved before 31 March 2014. Reverting 12.69% p.a. on purchases [2] after that - currently the lowest interest rate Card from American Express.

Take off with a complimentary direct domestic return flight (including baggage), available to you now and each membership year1. You can book from as little as 2 weeks before you fly and even up to 10 months in advance1. Find out the flight destinations. All this and more below for $149 p.a.

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

Get the rewards you want faster with Membership Rewards® 3-2-12.

Here’s how it works:

  • 3x points per $1 spent at major supermarkets

  • 2x points per $1 spent at major petrol stations

  • 1x point per $1 spent on all other purchases

You have the choice to transfer points to 7 airline partner programmes3 and make the most of their travel offers too. Take off with Air New Zealand Aipoints DollarsTM, Cathay Pacific Asia Miles, Emirates Skywards, Malaysia Airlines Enrich, Qantas Frequent Flyer, Singapore Airlines KrisFlyer and Velocity Frequent Flyer. Or choose from a wide range of Gift Cards4. There’s even a Points for Credit5 option, allowing you to turn Membership Rewards points into credit on your American Express Card.

Receive an introductory interest rate of 2.99% p.a.
on purchases for the first 6 months of Card
Membership. Only available to new Platinum Edge
Credit Card Members. The introductory rate will
expire at the end of the first 6 months and any
remaining balances will attract the current market
rate at that time, currently 19.95% p.a.

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

You’ll have access to complimentary Travel Insurance7 when you use your American Express® Platinum Edge Credit Card to pay for domestic and international travel.

You're entitled to up to four Supplementary Cards with no annual
fees8 – so you can share the benefits with family members.

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

Emergency Card replacement
If your Card is lost or stolen, you can rest assured because we can have it replaced, virtually anywhere in the world9.

Warmly welcome

Apply now

Receive 20,000 Membership Rewards Bonus Points10 when you apply online,
are approved and spend $750 on your Card within the
first 3 months. This introductory offer is available to new American Express Card Members only.


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 an annual income of $50,000 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 to 10 working days – so apply now.

Terms & Conditions

American Express credit approval criteria applies. Subject to Terms and Conditions. Interest Rates, fees and charges apply. All Interest Rates are quoted as an Annual Percentage Rate. All information is correct as at 18 June 2016 and is subject to change. This offer is only available to those who reside in New Zealand. Cards are offered, issued and administered by American Express International (NZ), Inc.

  1. Terms and Conditions apply. You must book at least 14 days prior to departure. All flights are subject to availability and American Express does not guarantee that seats or tickets will be available on the dates or times that you may wish to fly. Seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. You can book up to 10 months in advance and as with all travel, the earlier you book the more availability options you’ll have. The complimentary Air New Zealand domestic return flight is available every year of Card Membership on direct flights only. A standard 1-piece 23kg baggage allowance is included. Click here for flight offer conditions.
  2. Subject to the Terms and Conditions of the Membership Rewards Programme available at Participating retailers include the following merchants who have been classified as "major supermarkets": Countdown, Countdown Online, Farro Fresh, FreshChoice, New World, Nosh, PAK'nSAVE and SuperValue. Participating retailers include the following merchants who have been classified as "major petrol stations": BP, Caltex, GAS (Gasoline Alley Services), Gull, Mobil, Shell and Z. Exceptions may apply if an individual merchant trading as one of the above named retailers does not accept American Express as a form of payment. Purchases at major supermarket & major petrol station retailers are only eligible for additional points if the transactions are made in New Zealand.
  3. To transfer Membership Rewards points into an airline partner programme, you must be a member of the partner programme. Membership of the partner programme is the Card Member's responsibility and is subject to the terms and conditions of the applicable programme. A joining fee may apply. Minimum redemption amounts apply. Partners are subject to change. Visit for details.
  4. All rewards are subject to availability. Gift Card or Voucher rewards are valid for a period of three months from the date of issue unless otherwise stated. Normal retailer Gift Card or Voucher conditions apply. Upon redemption, a Voucher/Gift Card will arrive in the mail or by courier within 10 business days. Please refer to the Voucher/Gift Card for the validity date. You must provide a daytime physical address for delivery as a signature may be required on delivery. A PO Box or an overseas address cannot be used.
  5. Points for Credit cannot be used to pay the minimum payment amount due on your account. Points may be redeemed by the Basic Card Member for a credit on the Primary Card Account. American Express may decline a Points for Credit request where the Card Account or Card Member’s other accounts with American Express are not in good standing. The redemption of Points for Credit will be administered solely by American Express within 3 business days and cannot be reversed. Points for Credit is not available for redemption by Corporate Card accounts and is not redeemable for cash via credit balance refund. Points for Credit may only be used to reduce a Card Members statement balance to $0.00 and not put it into a credit balance.
  6. Offer only available to Platinum Edge Credit Card Members who apply and are approved. The 2.99% p.a. introductory rate applies to Purchases 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 18 June 2016 and subject to change. Visit for more information.
  7. American Express Platinum Edge Credit Card Insurances are underwritten by Chubb Insurance New Zealand Limited (Company No. 104656) (Chubb) and are subject to the terms, conditions and exclusions (including age restrictions) contained in the American Express Platinum Edge Credit Card Insurances policy of insurance between American Express International (NZ), Inc. (Company No. 867929) (American Express) and Chubb. This communication does not take into account your objectives, financial situation or needs. It is important for you to read the Terms and Conditions available here and consider the appropriateness of that insurance in relation to your individual requirements.
  8. Supplementary Credit Card Members must be over 18 years of age. You will be liable for all Supplementary Credit Card spending.
  9. 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 332 268. 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.
  10. Offer only available to new American Express Card Members who apply online, are approved and spend $750 on their new Card in the first 3 months of Card Membership. Card Members who currently hold or who have previously held any other Card product offered by American Express International (NZ), Inc in the preceding 12 month period are ineligible for this offer. 20,000 Membership Rewards Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.

American Express International (NZ), Inc. Incorporated in Delaware, USA. ® Registered Trademark of American Express Company.