Low rates, backed by protection.
Annual percentage rate: 2.99% p.a. for the first 6 months reverting to 12.69% p.a. thereafter1
Interest Free Period: up to 55 days2
Pay now or pay later – the choice is yours.
The Low Rate Credit Card from American Express gives you the flexibility to pay for purchases in full, or should you choose to carry a balance, at a competitive rate.
Like to share the benefits with those closest to you? You can add up to four additional Cards with no annual fee4.
Enjoy the benefits here, there, and everywhere.
Accepted in more places
The American Express Card is accepted at tens of thousands of places, including airlines, restaurants, supermarkets, petrol stations, and retail stores.
Manage your account anywhere
View transactions, schedule payments, set up reminders and more via mobile phone, laptop or desktop computer. Or contact our global Support team for assistance, 24/7.
Enjoy safety and security
Shop where you like without the worry with Online Fraud Protection Guarantee5. 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.
Receive an Emergency Card within 48 hours
If your Card is ever lost or stolen, you can usually get a replacement within 48 hours, virtually anywhere in the world6.
Interested? Check the eligibility criteria.
To apply for the Low Rate Credit Card from American Express, you’ll need to be able to meet the following criteria: