What is a
Credit Card?

From interest rates to application,
here's everything you need to know about Credit Cards


Woman shopping for clothes at a store

What is the difference between a Credit, Charge and Debit Card?

Depending on your individual needs and spending habits, it’s important to choose the Card that’s right for you.

Woman working on a tablet

How do you apply for a
Credit Card?

The easiest way to apply for an American Express® Credit Card is by completing the online Application. Your Application should take you less than 10 minutes to complete.

Man sitting outside on his latop

How do Credit Card limits work?

A credit limit is the maximum balance that you can have on your Card at any time, including your purchases, interest charges, and fees.

Man checking the price of a box

How do we charge interest?

Interest is applied to your closing balance at the end of every day, and then totalled up to calculate your monthly statement balance.

Woman repairing her bicycle

What fees do you pay?

Depending on the Card you apply for, your fees may include an annual Card fee or other service fees.

Woman smelling spices in a store

Where is American Express accepted?

American Express is welcomed at tens of thousands of Merchants around New Zealand. That means you can use your American Express Credit Card to pay for purchases, both big and small.

Managing your Account is simple

Whether you’re just getting started, looking to pay a bill, use Membership Rewards points or keep track of your spending, here’s how to get the most out of your Credit Card.

Explore our Personal Cards


Earn Airpoints
Dollars™ fast


Earn points from
everyday spending


Premium benefits
and services

No Annual Fee

Card Member benefits
with no annual fee

Membership that gives you more

As an American Express Card Member you can take advantage of more travel benefits, richer rewards and outstanding service, plus 24/7 Global Support.