What is a Credit Card?

There are a few things that are useful to know about how Credit Cards work. In this section we cover everything from credit limits, fees and interest charges, to learning how to apply. 

 

 

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.

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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.

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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.

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What fees do you pay?

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

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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

Airpoints™

Earn Airpoints
Dollars™ fast

Rewards

Earn points from
everyday spending

Platinum

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.